We get agencies paid what they're owed.
Independent P&C agencies lose real money every month to commission errors they can't catch by hand. Backbook catches them — and does the paperwork to get the money back.
Carrier commission statements arrive in a dozen formats, with rates that don't match your contracts, commissions that never show up, and chargebacks with no cancellation behind them. Finding those errors means hours of spreadsheet cross-checking per carrier, every month — so most agencies simply don't. The money quietly leaks away.
What we built
Backbook reads any statement — PDF (including scans), Excel, or CSV — with AI, then reconciles every line against your contracted rates and book of business. It surfaces a ranked worklist of missing, underpaid, and invalidly clawed-back commissions, and drafts a professional dispute letter for each. You stay the disputant of record; we do the finding and the paperwork.
Why you can trust the numbers
The AI reads and drafts — it never computes a dollar. Every amount and every match is produced by a deterministic, unit-tested engine, and every finding traces back to the exact row on the statement it came from. That's what makes a Backbook finding something you can put in front of a carrier.
How we're paid
The free back-audit shows you the money before you commit. After that, a modest SaaS base plus a share of what we actually recover — our incentives are aligned with yours. See pricing.
Data safety
You're handing us commission statements and books of business, so we treat that seriously: zero-retention AI (we never train on your data), GLBA-aligned handling, and SOC 2 controls in progress. More on our security page.