Insurance billing software
The carrier pays you when the carrier decides to, and the fee work you do directly has no such rhythm at all. Smarfle gives each arrangement its own cadence on the client, so advisory income stops depending on somebody noticing it is due.
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$8,420
47
Acme Office Park
Monthly maintenance
$485
Riverside Apartments
Quarterly service
$1,200
Downtown Plaza
Monthly recurring
$320
West End Hotel
Bi-weekly contract
$680
Real Smarfle UI · Live data from your insurance CRM
Why generic billing software fails insurance owners
Generic billing tools weren’t built for insurance. Smarfle was.
Generic billing software
What everyone else gives you
- Monthly retainer fees billed inconsistently
- Advisory project fees paid 30 days after delivery
- Annual policy review fees not auto-charged
Smarfle for insurance
Built for your actual workflow
- Fee arrangements run on their own schedule, separate from commission
- Saved card auto-charges advisory invoice with one click on completion
- Annual recurring service template auto-charges renewal on anniversary date
How insurance billing works in Smarfle
From the first touch to the closed loop. No missing pieces.
- 1
The fee arrangement sits beside the policy
What a client pays you directly, and on what cadence, is recorded on the household rather than inferred from a carrier statement.
- 2
The first charge sets the rhythm
Once it runs, the arrangement continues on its own dates rather than whenever somebody notices it is overdue.
- 3
Commission and fee never share a document
What a carrier pays you and what a client pays you are separate records, because they answer to different schedules and different conversations.
- 4
Renewal season is a list, not a scramble
Policy dates held on the record produce their own prompts, so the annual conversation is scheduled rather than remembered.
- 5
A stopped payment is a call, not a loss
A failed charge reaches you while the relationship is live, which is when it is still worth a conversation.
Where insurance billing breaks down
The friction every insurance owner recognizes.
Broker fees collected inconsistently
The fee is on the disclosure, but collecting it at binding depends on who is at the desk that day. Across a year, skipped and forgotten fees quietly cost an agency thousands in revenue it already disclosed and earned.
Commercial clients expect invoices, and invoices age
The contractor who needs certificates weekly and the fleet account with quarterly reviews expect professional invoicing with terms. Sent as email attachments and tracked in a spreadsheet, those invoices age past sixty days without anyone noticing.
Recurring service charges depend on remembering
Annual policy reviews, renewal processing fees, and retainer arrangements should bill on a calendar, not on recollection. Every forgotten cycle is unearned goodwill you did not intend to give.
500 fee charges a year
Sixty-five fee-based clients charged between four and twelve times a year is around 500 events with no carrier statement behind them to force the issue. Commission arrives on its own. Fee income arrives only if something raises it, which is exactly what a cadence held on the client is for.
65
Fee-based clients
4-12
Charges a year
~500
Charges to run
Based on typical insurance operations. Your numbers may vary.
Features powering insurance billing
Each one a deep-dive in its own right.
Fee arrangements as standing charges
An advisory arrangement runs on its own cadence against a stored card, so agency revenue stops depending on somebody noticing.
Learn morePolicy dates as named fields
Renewal dates, carriers and policy numbers sit as fields your agency defines, so the list you work from is in the system rather than beside it.
Learn moreClients see what they paid you
A household can open the charges that came from your agency, which is a different record from anything a carrier sends them.
Learn moreReceivables read by age
Commercial balances sit in buckets with reminders behind them, so accounts stay current without an awkward call.
Learn moreInsurance billing software questions
Moving your insurance billing software off another tool?
Most insurance businesses arrive at Smarfle from one of the tools below. See a side-by-side comparison.
Other insurance tools
Smarfle ships billing software alongside the rest of your CRM.
Billing software for other industries
Same billing engine, tuned for each vertical.
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