CarrierRecon is a commission reconciliation and retention platform for independent Canadian P&C brokerages. To launch, we're auditing the first 20 for free — three months of carrier statements parsed, your book cross-referenced, a dollar-specific report within 48 business hours.
No credit card required. Three months of statements, two carriers, results in 48 business hours.
If you later subscribe, plans are flat monthly — we never take a percentage of what is recovered.
Total underpayment found
$8,420CAD
Intact
38 policies
Aviva
22 policies
Definity
14 policies
TD Insurance
9 policies
Sample report · delivered in 48 hours
Built in Canada
for Canadian P&C brokerages
PIPEDA-compliant
data hosted in ca-central-1
CAD-first
carrier statements + reporting
Flat monthly pricing
we don't take a percentage
Commission reconciliation has stayed the way it was 30 years ago because every carrier ships a different statement and your BMS doesn't reconcile any of them.
Intact, Aviva, Definity, Desjardins, TD — and the half-dozen others your shop writes with. Each one's PDF is its own thing: different headers, different column orders, different rounding conventions. Manual reconciliation against your book takes hours per carrier per month, so most months it just doesn't happen.
Most Canadian brokerages believe their carriers occasionally miss commissions on renewals, endorsements, or rate changes. Without a systematic per-policy check, the suspicion stays a suspicion — and disputable dollars stay with the carrier.
Applied Epic, Power Broker, Keal, Brokercore, TBW — they manage your book of business. None of them verify what your carriers actually paid against what your appointment agreements say they owe. That gap is where commission leakage lives.
No new BMS. No carrier integrations to negotiate. Just upload, reconcile, and recover.
Export your book of business as a CSV from your BMS, then drop in PDF commission statements from Intact, Aviva, Desjardins, Definity, or TD. Both file types upload through the same place.
CarrierRecon reads each statement line by line and cross-references every policy against your book to spot underpayments, missing renewals, and rate errors.
Download a dollar-specific audit PDF for your carrier rep, or generate a recovery letter — every claim sourced back to the statement page that proves it.
Kept by you
Every dollar recovered stays with your brokerage. We don't take a percentage.
The audit catches the first big number. The platform around it keeps the dollars moving — every renewal, every recovery letter, every line item — so the tool earns its place in your stack month after month.
Invite your controller, producers, bookkeeper, or office manager. Each role sees only what's theirs — and the principal sees every change in an append-only activity log.
Drafted → sent → acknowledged → resolved-paid. Every state change, every note, every dollar recovered — kept on a timeline you can show the principal or the auditor.
Upcoming renewals in your book over the next 60 days, expected commission by month and carrier. The largest renewal at the top so the producer chases the paperwork early.
Statements parsed, reconciliations done, discrepancies surfaced — all kept in a searchable archive. Export the book, the open discrepancies, or the full reconciliation history to CSV any time.
Each carrier statement is parsed by a template tuned to that carrier's layout — not a generic OCR pass. Below: a sample Intact commission statement, anonymized.
Intact Financial Corporation
Producer commission statement · April 2026
Producer ID
ON-•••••42
4 of 38 policies shown · page 1 of 7
Parsed · 98.4% avg confidenceIllustrative — sample data
Recovery letters only generate when per-field parser confidence clears 90%. Every flagged discrepancy is hand-reviewed during the launch cohort.
The carrier-by-carrier work you've been doing in spreadsheets, automated end-to-end.
Province-aware. CAD-first. PIPEDA-compliant. Data hosted in Canada (ca-central-1).
Each carrier statement is parsed by a template tuned to that carrier's layout — not a generic OCR pass.
Recovery letters only generate when per-field confidence clears 90%. We protect your carrier relationships from false positives.
Applied Epic, Power Broker, Keal, Brokercore, TBW. Your BMS runs your book; CarrierRecon runs your reconciliation.
Every discrepancy traces back to the line item + statement page it came from. Every status change is logged with the user and timestamp.
One-click PIPEDA export. One-click permanent deletion. No carrier sees your book.
Five of the top ten carriers are live for audits today. The remaining five are in active development.
The recovery math
the math nobody checks
Per-policy
Most Canadian brokerages don't reconcile every policy against every carrier statement each month. The work is too manual to do consistently — and that's where commission leakage hides.
back to the page that proves it
Sourced
Every claimed discrepancy links to the exact line on the carrier statement that generated it. Your carrier rep can verify in seconds. No 'trust me' claims.
from carrier statement to reconciled report
< 15 min
Instead of the days a manual cross-check from your BMS takes.
kept by you
100%
CarrierRecon charges a flat monthly subscription. Every dollar recovered from your carriers stays with your brokerage. We do not take a commission on commissions found.
Kolade Adepetu
Co-founder · Mississauga
Hi, I'm Kolade Adepetu, co-founder of CarrierRecon.
By trade I'm a Solution Security Architect — spent the last 20 years making sure other people's sensitive data stay where they belong.
A brokerage friend once showed me a weekend's worth of statements he'd been trying to reconcile by hand. The math is per-policy, the formats vary by carrier, and nothing reconciles them automatically — so things slip. Independent Canadian P&C brokerages lose real dollars to discrepancies that nothing on either side was set up to catch. So we built CarrierRecon — the tool our brokerage friends wished they had.
Your carrier book sits on encrypted, Canadian-hosted infrastructure we designed ourselves. No carrier has access to it, you own your data, and you can export or delete every byte at any time.
Questions before signing up? Reach out at hello@carrierrecon.ca, or write me directly at kolade@carrierrecon.ca.
— Kolade, Mississauga
Switch between monthly and annual below. You keep 100% of every dollar recovered — we don't take a percentage. Cancel anytime.
Free during launch. The first 20 Canadian brokerages get a full commission audit at no cost — skip these tiers and claim your spot →
For independent shops getting started.
billed annually · 33% off
For growing brokerages reconciling monthly.
billed annually · 33% off
Everything in Starter, plus:
For multi-branch groups and consolidators.
billed annually · ~25% off
Custom pricing for 5+ branches.
Everything in Professional, plus:
A paid, deeper version of the free cohort audit. More carriers, more history, an itemized recovery letter pack for every discrepancy we find. No subscription. No recurring charge. Apply the $899 toward your first year if you subscribe within 60 days.
Two-week turnaround
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.
No. CarrierRecon charges a flat monthly subscription. Every dollar you recover from carriers goes directly to your brokerage. We do not take a commission on commissions found.
In Supabase's ca-central-1 region (Montréal). Your data does not leave Canada except when CarrierRecon processes a statement at parse time. That cross-border transfer is disclosed in our privacy policy.
Every claim is sourced back to the original statement page. Recovery letters only generate above a 90% per-field confidence threshold, and for our first 30 customers each one is hand-reviewed before it goes out.
No. Your BMS owns your book of business. CarrierRecon imports a CSV export of your book and reconciles incoming carrier commission statements against it.
Five of the top ten Canadian P&C carriers are live today: Intact, Aviva, Desjardins, Definity, and TD. Co-operators, Wawanesa, Northbridge, Beneva, and Sovereign are in active development. The carrier list above shows the full status at any time.
Commission statements should be PDFs — that's what carriers send by email or make available in your agent portal. Your book of business should be a CSV exported from your BMS. Both file types upload through the same place.
Launch cohort
Three months of statements. Two carriers. A dollar-specific reconciliation report within 48 business hours. No fee, no obligation.