P&C commission reconciliation, statement by statement.
Your carriers pay a percentage of premium set by contract, and every one of them formats the statement differently. Pineapple Split audits every carrier statement against your schedule and shows you where money is leaking.
3 statement uploads per month, free. No credit card required. Explore the sample without an account.
Statement
Northbrook Mutual · March
Findings
$1,412.50
across 6 policies this month
- Underpaid vs contractHomeowners, 12% paid vs 15%-$94.50
- Chargeback, no originalAuto, never paid out-$212.00
- One policy, two ratesUmbrella renewal-$18.00
- Total doesn't add upStated vs sum of lines-$100.00
Sample data. Every finding links to its source row and is tracked until the money comes back.
Larger agencies pay someone to check the statements. You should not have to.
With dozens of carriers, each on its own schedule and its own format, nobody has time to check every line against the contract. So the two-point underpayment, the chargeback on a policy you were never paid for, and the renewal that quietly disappeared all go through. Pineapple Split does the checking, and you make the calls that are worth making.
A worked example
$170
Three payment discrepancies on a statement whose totals agree.
Two homeowners renewals are below the supplied agreement. One auto payment does not match the stated calculation.
Fictional statement and agreement. Calculated shortfalls, not recovered funds or typical results.
Read the P&C reconciliation guide →Send in a statement. Set the rate once. Work the findings.
Send in the statement
Upload the PDF, Excel, or CSV, or forward the carrier email to your private Pineapple Split address. Confirm the column mapping if the format needs review.
Set the rate once
Enter the commission percentage from your contract per carrier and line of business. Lines the schedule does not cover yet are surfaced from real statements.
Work the findings
Checks use your supplied rates and available history. Review each finding against the source before pursuing a recovery case.
See where the money is leaking.
Paid under your contract rate
A homeowners line paid at 12% when your schedule with that carrier says 15%. Two or three points on every policy, every month.
One policy, two different rates
Different percentages across lines for the same policy can warrant review. Check transaction types and the applicable agreement before treating a difference as an error.
Chargebacks with no original
A chargeback without a matching payment in the available history needs investigation. Check earlier records before disputing it.
Commissions that went missing
Review gaps against the available history and payment schedule. Absence from one statement alone does not prove a payment was due.
Statement totals that do not add up
Compare the stated total with the extracted commission lines. Review missing rows, duplicates, or adjustments when the amounts differ.
Lines with no rate on file
A carrier or line of business the schedule does not cover yet, surfaced so you can add the rate instead of missing it.
Follow a shortfall through to a receipt.
Review a potential shortfall against your carrier records and contract, then create a recovery case. Track carrier follow-up and link incremental receipts your agency confirms it received. Confirmed recoveries are net of reversals; Pineapple does not verify bank deposits or contact carriers for you.
Illustrative workflow, not customer results. Confirmed recoveries come from agency-confirmed incremental receipts linked to cases, net of reversals.
Try it on last month's statement.
Create a free account and upload a statement. Add the contract rates you want to check. Your free account includes 3 statement uploads each month.