Financials and the Book
Review P&L, EBITDA, Book size and mix, movement, retention, concentration, budget, and comparison periods with source and period visible.
Take the owner tourThe Keelridge product
One operating layer for agency performance and daily review.
Keelridge connects financial and Book evidence for owners, focused work for account teams, and agency-operated data refreshes. It works alongside your AMS and accounting system rather than replacing either one.
Owner viewOpen this page in the live demo →
Captured from the fictional Keelridge Demo Agency.
The job
Turn disconnected reports into a repeatable operating review.
The AMS describes the current Book. Accounting records financial activity during a period. Staff track renewals, new business, and follow-up in their own working routines.
Keelridge preserves those different sources and gives each role a useful view of the same agency.
Inside the owner view
The same cohort, measured three honest ways.
This is the real owner view running against the fictional Keelridge Demo Agency dataset. Open it to enter the demo with owner permissions already selected.
Owner viewOpen this page in the live demo →
Understand the agency
Give owners a connected, inspectable view.
Keep unlike records unlike
Compare Book earning power with booked P&C commission without forcing the AMS snapshot and general ledger to agree.
Take the reconciliation tourTrack the human-owned pipeline
Follow opportunities from received through bound or lost while keeping later AMS Book movement as separate evidence.
Take the new-business tourRun the work
My Book gives each account manager a focused workspace.
Review upcoming renewals, material premium changes, follow-up state, rounding candidates, and personal trends in the approved Book scope. Owners retain the agency-wide view; policy and service work returns to the AMS.
Account manager viewOpen this page in the live demo →
Captured from the fictional Keelridge Demo Agency.
Keep it current and trustworthy
The agency can operate the refresh after setup.
- Upload when reports are ready.Agency staff can submit supported AMS Book and accounting reports at any time; monthly is a common review rhythm, not a product limit.
- Validate before publishing.Keelridge checks file type, period, shape, freshness, mappings, and exceptions before a person confirms the update.
- Keep access bounded.Owners, managers, and account managers use approved role scopes rather than one shared dashboard.
- Keep the assistant read-only.The analytic assistant can explain authorized metrics and link to the owning view; it cannot change records or answer from uploaded documents.
Product questions
Useful boundaries before a conversation.
What should an independent insurance agency measure every month?
A monthly operating review usually needs to answer three questions: what changed financially, what moved in the book of business, and where attention belongs next. In practice that means booked revenue and expenses against plan, annual premium with client and premium retention, renewal load for the coming period, and any concentration or exception that crosses an owner-review threshold.
Read the note →What is a book-to-GL reconciliation?
It compares trailing-twelve-month booked GL P&C commission with the Book's earning power averaged over those same months, then separates growth from that average to earning power today. The remaining signed amount stays labeled Timing & unexplained unless supporting records establish a narrower cause.
Read the note →What are Big "I" Best Practices benchmarks?
The Big "I" and Reagan Consulting publish a paid study of high-performing independent agencies, organized by agency revenue tier. Its public overview describes benchmarks for growth, profitability, productivity, financial stability, and other operating measures. The study is not a default source that Keelridge silently applies: any agency comparison must identify its actual source, peer tier, definition, and period.
Does an agency owner need a data warehouse for this?
No. The current path uses the recurring reports an agency already produces from its AMS and accounting system. The work is in mapping, validating, and comparing those sources consistently each month, not in moving the agency onto new infrastructure.
Three-month pilot
Use the complete product with your agency's history.
The pilot includes every current workspace shown in the demo, unlimited ordinary users, founder-led setup and support, and supported historical data.
See pilot details and pricing