🛡️Professional Services · bookkeeping in-house

Bookkeeping for Insurance Agencies

Bookkeeping for insurance agencies starts at $500/month: monthly close, categorized transactions, reconciled bank and card accounts, and a plain-English P&L. Our in-house team handles what makes insurance agencies different — client funds, unbilled work, write-offs.

Get a free books review →Ask a question

What makes insurance agencies bookkeeping different

Professional service books are about the gap between work done, work billed, and money collected — plus the money that was never yours to begin with. Client retainers and trust funds are held on behalf of someone else, and they have to reconcile exactly.

🔐

Client funds held are not income

Retainers and trust deposits are someone else's money sitting in your account until it's earned or disbursed. They belong on the books as a liability that reconciles to the penny — many professions also require them held in a dedicated account.

⏳

Work in progress isn't on any invoice yet

Hours worked but not yet billed sit outside your revenue until the invoice goes out. Without visibility into that pipeline, a slow billing month reads as a slow business month when it wasn't.

✂️

Discounts and write-offs need to reverse cleanly

Invoices that get reduced, written down, or written off after the fact have to be recorded against the original billing — not buried in a catch-all expense where they hide what you're actually realizing on your work.

🤝

Referral splits and contract help

Fee splits, of-counsel arrangements, and contract professionals all sit between gross billings and what the firm keeps. Tracked separately, your books show the firm's real economics instead of a top line that overstates them.

What’s included

One flat monthly rate for your insurance agency. Everything below, every month.

📅

Monthly close, every month

Categorized transactions, reconciled bank and card accounts, and books that are actually current — not six weeks behind.

📊

A P&L you can read

Plain-English monthly statements. Revenue, costs, margin — and what changed since last month, flagged for you.

🎯

Ad spend inside the books

Marketing cost broken out per channel and set against revenue. “Did the ads make money” becomes a line you can point to.

🧹

Catch-up & clean-up

Behind on your books? We reconstruct and clean up past months first, then keep the rhythm going.

📁

Tax-season handoff

Your CPA gets a clean, organized file at year end — fewer billable hours spent untangling, fewer surprises.

💬

One team, one thread

Questions answered by the people who keep your books — in-house, not a ticket queue.

How it works

01

Free books review

We look at your current books and tell you honestly what shape they're in and what the monthly scope would be.

02

Catch-up if needed

Past months reconstructed, categorized, and reconciled before the ongoing rhythm starts.

03

Monthly rhythm

Close every month, statements delivered, questions answered — flat rate, cancel anytime.

Starts at $500/month

Simple, flat pricing

$500/month and up

The exact flat rate for your insurance agency is scoped to your transaction volume and account count — quoted after the free books review, with no long-term lock-in. Already running marketing with us? Your books and your campaigns live in one data picture.

Planning the marketing side too? See what marketing costs for insurance agencies.

Frequently asked questions

How much does bookkeeping cost for a insurance agency?

Bookkeeping starts at $500 per month. The exact flat rate is scoped to your transaction volume and account count, and it's quoted after a free review of your current books — so you know the number before you commit. No long-term lock-in.

What makes bookkeeping for insurance agencies different?

Professional service books are about the gap between work done, work billed, and money collected — plus the money that was never yours to begin with. Client retainers and trust funds are held on behalf of someone else, and they have to reconcile exactly. Two examples that come up on almost every insurance agency’s books: “Client funds held are not income” and “Work in progress isn't on any invoice yet”.

Do you file my taxes?

No — your CPA handles filing, and we don't give tax advice. What we do is keep the books that make filing easy: categorized, reconciled, and closed every month, so your accountant gets a clean, organized year-end file instead of a shoebox. If your books are behind, we run a catch-up and clean-up pass first.

Do I have to be a marketing client to use your bookkeeping?

No. Bookkeeping stands on its own for any insurance agency. But when we run both, your P&L and your campaigns share one data picture — which is where the “did the advertising actually make money” answer comes from.

All bookkeeping services →

How in-house bookkeeping works, what's included, and how the flat rate is scoped.

Marketing for Insurance Agencies →

What we actually run for insurance agencies — channels, campaigns, and targeting.

What marketing costs for Insurance Agencies →

Honest budget tiers and what moves the number up or down.

Start with the free books review

No commitment — we look at where your insurance agency’s books stand today and tell you exactly what monthly upkeep would look like.

Book the review →