The carrier report card
Know if every carrier paid you right.
Cowork Recon checks every carrier commission statement against your AMS, grades each carrier on whether they actually paid you, and watches your whole book for the commission you’re not even checking. The one scorecard your AMS vendor can’t build — because Applied and Vertafore sell to your carriers.
For independent agencies on HawkSoft, NowCerts, AMS360, EZLynx & Epic. No credit card. Flat $249/mo.
Carrier Report Card
Did they pay you right?
Travelers
Paid clean
Liberty Mutual
Underpays
Progressive
Watch
Outstanding to recover
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The problem
You don’t actually know if your carriers paid you right.
Commission gets paid by dozens of carriers, in dozens of formats, every cycle. Nobody has time to check every line — so when a carrier short-pays, it looks like rounding and stays buried. The carriers know you can’t check.
Short-pays look like rounding
The errors are small, scattered across hundreds of policies, and never obviously wrong on any one line. Caught by eye, they're invisible. Checked against your AMS, they add up.
Carriers you're not even checking
Regional, specialty and surplus-lines statements arrive as PDFs and never get reconciled at all. A carrier could underpay you all year and nobody would notice.
Your AMS won't grade your carriers
Applied and Vertafore sell products to the same carriers that pay you. Their tools stop at flagging an exception — they'll never hand you a scorecard that ranks a carrier.
Why this doesn’t exist in your AMS
Your AMS vendor sells to carriers too. We don’t.
Applied and Vertafore earn revenue from the same carriers that pay your commissions — so holding a carrier accountable is a feature they can’t ship. We have no carrier relationships to protect, so we built the suite they never will.
Past where recon stops
Standalone commission-reconciliation stops at flagging a number. We carry every variance from sent → replied → paid and grade the carrier on how it behaved — the part that actually gets you paid back.
AMS-neutral by design
Your scorecard travels with you. Switch from one AMS to another and your carrier-accountability history comes along — it’s yours, not locked inside a vendor that also sells to your carriers.
The whole system
One workflow: reconcile, defend, watch.
Reconciliation is the engine. What you actually buy is everything that happens after a short-pay is found — graded, demanded, recovered, and watched so it never goes unnoticed again.
Free, no signup
Try the engine before you ever sign in.
How it works
Three steps. No implementation project.
Upload a CSV export
From your AMS — a built-in menu item. Plus your carrier statements. No AMS password, no IT ticket. 20-minute setup.
We reconcile every line
Our engine matches every paid commission to the policy that earned it and flags every short-pay, wrong-rate and missing renewal.
You approve, carrier pays
Every variance ships with a ready-to-send dispute. Send from your own email — you stay the sender of record. Track each one to paid.
The math
You’re paying for the hours back. The recovered commissions are a bonus.
Manual commission reconciliation runs hours per carrier, every month. Cowork Recon does it each cycle for a flat $249/mo. Any short-paid or wrong-rate commission we surface comes on top. The free first audit shows you the real numbers on your own book before you commit.
| Carriers | Hours / mo | Time back / yr |
|---|---|---|
| ~5 | 5–10 | ≈ break-even |
| ~12 | 12–24 | $2,500–$7,600 |
| ~20+ | 20–40 | $5,900–$14,300 |
Time valued at a loaded ~$35/hr against $2,490/yr. Your real number comes from the free first audit.
Pricing
One price for the scorecard your AMS can’t build.
You’re paying to hold every carrier accountable — grade them, demand what they owe, and track it to paid. Reconciliation is just how we get the proof. No per-seat, no carrier cap.
Start with a free audit on your last cycle. If the time and dollars don’t clearly beat the price for your shop, we’ll tell you.
Full access
2 months freevs. paying monthly
or $249/month — same access, cancel anytime
- ✓Carrier Report Card — grade every carrier on whether they paid you right
- ✓Ready-to-send Demand Packs + dispute drafts, tracked to paid
- ✓Reply Autopilot — turn a carrier's pushback into a rebuttal
- ✓Revenue Watchtower + unlimited carriers & cycles
- ✓Free first audit — no card to start
Don’t want a subscription? We’ll recover what you’re owed on contingency →
FAQ
Questions agency principals ask.
Is my data secure?+
Statements are encrypted in transit. We never share your data with carriers, other agencies, or anyone. We never ask for your AMS password — you upload a standard CSV export. Delete every byte we hold any time.
Which AMS platforms?+
The workflow is a statement PDF/CSV + your AMS production CSV export — works for AMS360, Epic, EZLynx, HawkSoft, NowCerts and more. If you can export a production report, you're covered.
Will this hurt my carrier relationships?+
No — nothing emails a carrier without your sign-off. We draft the dispute; you read it, edit if needed, and send it from your own email. The relationship stays yours.
How accurate is it?+
The free first audit on your own statements is how you measure accuracy before paying anything. We don't quote precision numbers we haven't measured on your book.
Find out which carrier is quietly underpaying you.
Free first audit on your own book. No card, no contract. Your real numbers in about 90 seconds.