Recover the commissions your carriers quietly underpay.
Independent agencies lose an estimated 3–7% of commission revenue to carrier statement errors. Backbook reads every statement with AI, reconciles it against your contracts with a deterministic engine you can audit, and drafts the dispute — so you actually get the money back.
Deterministic engine · every dollar traces to a source row · you stay the disputant of record.
Free back-audit. You only pay a share of what we recover.
How it works
Three steps a month. The agency stays the disputant of record — we do the finding and the paperwork.
Upload the statement
Drop in any carrier commission statement — PDF, spreadsheet, or pasted text. AI extracts every line, exactly as printed.
We reconcile it
A deterministic engine compares each line to your contracted rates and book. Every dollar is computed, never guessed — so findings hold up.
Recover the money
Get a ranked worklist of missing, underpaid, and invalidly clawed-back commissions — plus a drafted dispute letter for each.
Built to hold up in a dispute
The AI reads and drafts. Deterministic, audited code owns every number.
The LLM never computes a dollar
Claude transcribes the statement and drafts prose. A unit-tested Decimal engine computes every amount and finalizes every match — auditable end to end.
Finds what you can't eyeball
Missing commissions, rate underpayments, phantom/duplicate/over-clawed chargebacks — and a systematic sweep that quantifies a rate error across your whole book.
Drafts the dispute for you
Every recovery comes with a professional dispute letter whose figures are verified against the engine — no hallucinated amounts, ever.
Your data stays yours
Zero-retention AI, GLBA-aligned handling, and SOC 2 controls in progress. We never train on your book.
See it on your next statement.
Run a real reconciliation in the demo — no signup.
Open the app →