Insurance
One live view of every policy, producer and payment
Carriers, MGAs, IMOs and agencies run on portals, statements and spreadsheets that never line up. Silverhill connects them into one model of the business and keeps it reconciled.
Every carrier sends its data in its own format, on its own schedule. Making it agree is still a job for spreadsheets and the few people who know where to look.
- Carrier portals
- Commission statements
- Policy admin
- Agency management
- CRM
- Bank deposits
- Claims
- Licensing
- Spreadsheets
Use cases
Where insurance teams start
Every use case runs on the same model of your business, so the second one is faster than the first.
- For agencies, IMOs and MGAsCommission reconciliation
- Match every carrier statement to policies, producers and bank deposits, and see what was underpaid, overpaid or never paid.
- For IMOs and agenciesProducer compensation
- Calculate splits, overrides and chargebacks across the hierarchy from one source that finance and producers both trust.
- For carriers and IMOsDistribution performance
- See production, persistency and placement by producer, agency and carrier without waiting for month-end reports.
- For carriers and MGAsUnderwriting triage
- Bring submission, policy and third-party data into one view, so underwriters spend their time on the cases that need judgment.
- For carriersClaims triage
- Route each new claim by complexity and risk, with the policy and its history already assembled.
- For carriers and MGAsLeakage and fraud detection
- Find the patterns across claims, payments and producers that no single system can see.
In practice
A month of commissions, reconciled as it arrives
- The challenge
- An agency receives statements from dozens of carriers, each in its own format and with its own producer codes. Reconciling them against deposits takes a team most of the month, and underpayments go unnoticed.
- With Silverhill
- AI agents collect each statement as it is published, match every line to a policy and a producer, and tie the totals to the bank deposit. Variances arrive with the evidence attached.
- What changes
- Statements reconciled as they arrive, not at month end
- Underpayments shown beside the contract terms
- Every adjustment recorded for audit
Illustrative example.
AI agents for insurance
AI agents that keep the books reconciled
Statement intake, producer matching and reconciliation run continuously, so your team starts the day with exceptions to decide, not exports to prepare.
Agents at work
Today
Statement intake
14 carrier statements collected, 2 not yet published
Done
Producer matching
6 new producer codes resolved
Done
Commission reconciliation
38 policies paid below contract terms
Needs approval
Claims triage
Routing this morning's new claims
Running