01
Step 01
Upload your book + carrier statements
Export your book of business as CSV from your BMS. Drop in PDF commission statements from Intact, Aviva, and more.
Free audit · 44 of 50 spots left
Stop leaving commission dollars on the table.
CarrierRecon is offering free commission audits to the first 50 independent Canadian P&C brokerages. We parse your carrier statements, cross-reference your book of business, and return a dollar-specific reconciliation report within 48 business hours.
No credit card required. Three months of statements, two carriers, results in 48 business hours.
dashboard / overview
Total recovered
$24,318
Statements
48
Open disputes
7
This month+$3,210
POL-44219Intact+$412.00
POL-91002Aviva+$188.50
POL-77840Intact—
Launch cohort
6 of 50 free commission audits claimed.
We're delivering free dollar-specific commission reconciliation reports for independent Canadian brokerages while we tune our carrier parsers in the wild. No credit card, no obligation.
Cohort progress
6/ 50 taken
44 spots remaining
How it works
From PDF to recovered commission in three steps.
No new BMS. No carrier integrations to negotiate. Just upload, reconcile, and dispute.
02
Step 02
We parse and reconcile in minutes
Claude reads each statement, line by line, and cross-references every policy against your book to spot underpayments, missing renewals, and rate errors.
03
Step 03
Recover what you're owed
Download a dollar-specific audit PDF for your carrier rep, or generate a dispute letter — every claim sourced back to the statement page that proves it.
Why CarrierRecon
Designed around the way Canadian P&C brokerages actually operate.
The carrier-by-carrier work you've been doing in spreadsheets, automated end-to-end.
Built for Canadian P&C
Province-aware. CAD-first. PIPEDA-compliant. Data hosted in Canada (ca-central-1).
Carrier-specific parsers
Each carrier statement is parsed by a template tuned to that carrier's layout — not a generic OCR pass.
Confidence-gated disputes
Dispute letters only generate when per-field confidence clears 90%. We protect your carrier relationships from false positives.
Works alongside your BMS
Applied Epic, Power Broker, Keal, Brokercore, TBW. Your BMS runs your book; CarrierRecon runs your reconciliation.
Audit-trail PDFs
Every audit report links each claimed discrepancy back to the line item and statement page it came from.
Your data stays yours
One-click PIPEDA export. One-click permanent deletion. No carrier sees your book.
Carrier coverage
The top ten Canadian P&C carriers, prioritized by volume.
Five of the top ten carriers are live for audits today. The remaining five are in active development.
- Intact FinancialLive
- Aviva CanadaLive
- DesjardinsLive
- Definity (fmr. Economical)Live
- TD InsuranceLive
- Co-operatorsIn progress
- WawanesaIn progress
- Northbridge (Fairfax)In progress
- BenevaIn progress
- Sovereign InsuranceIn progress
The recovery math · placeholder figures
2–4%
of annual commission income
is what independent brokerages typically leave on the table from underpaid statements.
$18k+
recovered, on average
in the first 90 days for the brokerages we've piloted with.
< 5 min
from PDF to reconciled report
instead of the days a manual cross-check from your BMS takes.
Pricing
One subscription. Every reconciliation it pays for, on us.
Cancel anytime. HST/GST shown on the invoice. Annual billing available.
Starter
For independent shops with one principal.
$149/ month
- Up to 500 policies
- Up to 3 carrier integrations
- Audit reports & disputes
- Email support
Professional
For growing brokerages reconciling monthly.
$349/ month
- Up to 2,500 policies
- All Canadian carriers
- Bulk dispute letters
- Priority support
- Founder-reviewed disputes
Brokerage Group
For multi-branch groups and consolidators.
Custom
- Unlimited policies
- Multi-branch roll-ups
- Dedicated success manager
- SLA-backed support
- Custom integrations
All prices in CAD. Pricing structure preliminary — see the pricing page (coming soon) for final terms.
FAQ
Questions we hear from brokerage principals.
Are you a licensed insurance entity?
No. CarrierRecon is a data-analysis service for licensed brokerages. We don't quote, bind, sell, or service policies. We help you check what your carriers paid you against what they should have paid you.
Where is my data stored?
In Supabase's ca-central-1 region (Montréal). Your data does not leave Canada except when Claude processes a statement at parse time. That cross-border transfer is disclosed in our privacy policy.
What if you misread a statement?
Every claim is sourced back to the original statement page. Disputes only generate above a 90% per-field confidence threshold, and for our first 30 customers each dispute is founder-reviewed before it goes out.
Does CarrierRecon replace my BMS?
No. Your BMS owns your book of business. CarrierRecon imports a CSV export of your book and reconciles incoming carrier commission statements against it.
Which carriers do you support today?
Intact and Aviva are live. Desjardins, Definity, and TD are in development. The roadmap covers the top 10 Canadian P&C carriers by volume — see the carrier list above.
Find out what your carriers might owe you.
Three months of statements. Two carriers. A dollar-specific reconciliation report within 48 business hours. No fee, no obligation. 44 of 50 spots remain.