Agency fees, not premiums

Insurance billing software

Insurance billing software for the fees your agency charges directly, not premiums or medical claims. Commercial clients on a risk management retainer pay monthly through your portal, broker and certificate fees are invoiced with reminders, and premiums keep flowing through the carriers.

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Fee billing for an insurance agency in Smarfle, showing retainer charges and broker fee invoices by age
Agency fee retainers and invoices, apart from carrier premiums.

What this billing covers

Searches for insurance billing often mean premium billing or medical claims. Smarfle does neither. It bills the fees your agency charges a client directly, like broker fees where your state allows them and consulting.

Invoicing

Risk management retainers

A commercial client paying a monthly retainer for claims advocacy and loss control subscribes from your portal and is charged each month with a receipt.

Recurring plans

Fees reminded after the due date

Broker and certificate fee invoices that go unpaid are reminded by email and text, so your account managers do not chase small balances.

Automatic emails

Controllers on the copy line

The client's controller receives each fee invoice alongside the owner, which shortens approval for business accounts.

Client records

Fee balances by client

Each client's statement shows retainer payments and fee invoices, and late ones are counted in the aging columns.

Reports

Insurance agency billing features

What it does

  • Broker and certificate fee invoicesWhere your state allows
  • Monthly risk management retainersSubscribed in the portal
  • Overdue fee remindersEmail and text
  • Client fee statementsRetainers and invoices

What it doesn't do

  • Premium billing and collectionThrough the carrier
  • Medical insurance claimsNot a medical billing tool
  • Commission reconciliationUse your agency system
  • Premium finance agreementsThrough a finance company

Insurance agency billing pricing

Every plan covers fee invoices and retainers, and a five-person agency fits on Starter at $99 a month.

Solo

Sole operators getting started

$19/mo
  • 1 user
  • Up to 500 clients
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Starter

Small teams adding tools and growth

$99/mo
  • Up to 5 users (1 owner + 4 techs)
  • Up to 2,000 clients
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Most Popular

Professional

Growing service businesses

$199/mo
  • Up to 10 users
  • Up to 5,000 clients
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Business

Multi-location operations

$349/mo
  • Up to 30 users
  • Up to 10,000 clients
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SMS, email, AI, and voice are billed pay-as-you-go. See every plan and usage rate →

Insurance billing questions

No. Carriers bill premiums; Smarfle invoices only your agency's own fees.
No. It does not submit medical or dental claims.
Yes. The retainer is a subscription the client starts online, renewing every month.
Yes, where your state permits them, with the disclosure your state requires.
Yes. Unpaid fee invoices get automatic nudges after the due date.
No. Commissions stay in your agency management system.
Yes. Add the controller as a contact who receives billing copies.
Yes. Business clients can be switched to ACH, which caps Stripe's fee at $5.

Try agency fee billing free

14 days with every feature on your real insurance work. No credit card.

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