Vitruvio handles the financial back-office work insurance agencies dread: commission reconciliation and carrier statement retrieval, trust and operating accounting, payroll, invoicing, and month-end close. We run the books end to end for small and mid-size agencies, and take specific pieces off the plate for larger ones. Everyone on our team has worked inside agencies, so you never have to explain the work.
WHAT WE DO
We cover the gamut of bookkeeping and accounting operations inside insurance agencies. These can be summarized into the six categories below:
01
Commission reconciliation
Jump to →
02
Trust accounting
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03
Operating accounting
Jump to →
04
Invoicing
Jump to →
05
Payroll
Jump to →
06
Month-end close
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In detail
Every service,
spelled out
Clear processes, smart systems, and people who care. See how each service brings clarity and confidence to your agency books.
Service · 01
Commission
reconciliation
We pull carrier statements, reconcile against what was sold, and keep your ledger clean and consistent. Orderly books make for transparent conversations with producers on comp.
Key benefits
Leakage caught before it compounds
Less time spent chasing statements
Takes the stress out of month-end
Service · 02
Trust
accounting
We keep your trust accounts compliant and clean. We know what money is yours and what is fiduciary.
Key benefits
Fiduciary
transparency
On top of trust accounting compliance
Less money bound up in the trust account
Service · 03
Operating
accounting
We run your day-to-day books, correctly labeling transactions and keeping your financials trustworthy and insightful for how you operate your agency.
Key benefits
Up-to-date transaction tagging
Useful income statement and balance sheet, monthly
CPA-ready, year round
Service · 04
Invoicing
We manage ongoing invoicing on your behalf, an administrative step that is necessary but not directly value-additive to your business. We work with all major invoicing platforms.
Key benefits
Timely invoicing of insureds
Less time spent on administrative work
More time spent on value-additive work
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Service · 05
Payroll
You give us your producer splits and we manage producer commissions monthly. This is a natural product of our ongoing bookkeeping and accounting work for your agency.
Key benefits
Less contention about the numbers
Simpler conversations with producers every month
No more scrambling to reconcile numbers last minute
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Service · 06
Month-end close
We give you consistent, and actionable numbers every month. Clean books make for confident decisions about how you run your agency.
Key benefits
Monthly income statement and balance sheet
Track income and expense trends
Identify margin expansion opportunities
mission statement
End to end, or
just the parts
you're tired of
OPTION - 01
End to end
We run your entire financial back-office: commissions, trust accounting, invoicing, payroll, and month-end close. You keep the carrier and producer side, we handle the rest.
Best for small & mid-size →
OPTION - 02
Specific pieces
Already have an internal bookkeeping process? Hand us the specific work that’s eating your team alive, whether commissions, trust accounting, or any other aspect.
Best for mid-size →
OPTION - 03
Augmentation
If you already have your financial processes dialed in, but need reinforcements, we’re here to provide additional manpower. We work with your established processes or help recommend best practices, as desired.
Best for larger agencies →
OUR BREADTH
OUR USPs
01
Built exclusively
for insurance
02
Decades of direct industry experience
03
Real human support, no AI chatbot
04
Work across all major technology platforms
05
No hidden integration
fees.
06
Competitive
on cost
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"
They stop dreading month-end close, that’s how they describe working with us.
"
Crystal Temple-Frawley
Co-Founder & Head of Operations
GETTING STARTED
How it
actually works
We start with an exploratory call where we learn about your agency and your existing pain points. We then share a proposal for how we can support and at what price. A month before go-live, we kick off our phased onboarding, where we build a plan tailored to your agency and collect the information we need from you. We then go live and take the agreed work off your plate.
01
DAY 0 • 20 MIN
Start with a call
You tell us your pain points. We tell you how we can support. No preparation needed, purely informational.
02
WEEK 1-2
Proposal & follow-up
Based on our initial conversation, we propose an engagement and pricing.
03
T-2 weeks
Onboarding
We map your service delivery, collect credentials, and prepare for work hand-off.
04
ONGOING
Go-live
Work is handed over to Vitruvio and managed on an ongoing basis.
Common questions
Clear answers,
no surprises
Seven questions we get on most first calls. If yours isn't here, ask it on the call.
Do you replace my AMS or work alongside it?
Yes. We run the full back office for smaller and mid-size agencies and take specific pieces off the plate of larger ones, so you can start with whatever you're most tired of managing.
Can I hire you for just one service?
Yes. We run the full back office for smaller and mid-size agencies and take specific pieces off the plate of larger ones, so you can start with whatever you're most tired of managing.
What happens to my current bookkeeper?
That's your call. Some agencies move everything to us, and others keep their internal person and hand us the insurance-specific work like commissions, trust accounting, and carrier reconciliation.
How do you price this?
A flat monthly fee based on your commission and transaction volume and how complex your books are, cheaper than doing it in-house with no initiation or integration fees. You'll know exactly what you're paying each month, with no hourly surprises.
Is our client data safe with you?
Yes. We handle your information with the same security standards you'd expect from any professional finance team, and we'll walk you through our exact protocols on the first call.
How long does onboarding take?
Onboarding is quick and simple, with no integration fees, and most agencies are fully running within 30 to 60 days. If your old books need cleanup, we take care of that as part of getting started.
Are you going to try to automate my staff away?
No, and we never will. You get a dedicated team of real bookkeepers and accountants who know insurance, with technology running quietly in the background so the work stays accurate and on time.
Earlier episodes · 01 — 05
The
archive.
05 episodes · Filterable by format
Trust accounting
Apr 1, 2026
Solo
Trust accounts after Comulate: what the next 12 months will actually look like.
Crystal solo on what's coming after June 30 — the migrations she's seeing succeed, the ones blowing up in week three, and the one operational habit that separates them.
Host · Vitruvio
Crystal Temple-Frawley
Trust accounting
Apr 1, 2026
Solo
Trust accounts after Comulate: what the next 12 months will actually look like.
Crystal solo on what's coming after June 30 — the migrations she's seeing succeed, the ones blowing up in week three, and the one operational habit that separates them.
Crystal Temple-Frawley
Host · Vitruvio
Trust accounting
Apr 1, 2026
Solo
Trust accounts after Comulate: what the next 12 months will actually look like.
Crystal solo on what's coming after June 30 — the migrations she's seeing succeed, the ones blowing up in week three, and the one operational habit that separates them.
Crystal Temple-Frawley
Host · Vitruvio
Trust accounting
Apr 1, 2026
Solo
Trust accounts after Comulate: what the next 12 months will actually look like.
Crystal solo on what's coming after June 30 — the migrations she's seeing succeed, the ones blowing up in week three, and the one operational habit that separates them.
Crystal Temple-Frawley
Host · Vitruvio
Trust accounting
Apr 1, 2026
Solo
Trust accounts after Comulate: what the next 12 months will actually look like.
Crystal solo on what's coming after June 30 — the migrations she's seeing succeed, the ones blowing up in week three, and the one operational habit that separates them.
Crystal Temple-Frawley
Host · Vitruvio
Trust accounting
Apr 1, 2026
Solo
Trust accounts after Comulate: what the next 12 months will actually look like.
Crystal solo on what's coming after June 30 — the migrations she's seeing succeed, the ones blowing up in week three, and the one operational habit that separates them.
Crystal Temple-Frawley
Host · Vitruvio
ready when you are
Ready to stop guessing?
A 20-minute call is usually enough to know if there's a fit.
No preparation needed, purely informational.
People-first accounting,
for Insurance Agencies.
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