Insurance invoicing software
Your commission arrives on its own schedule, which trains everyone to wait, and your advisory fees have no such schedule. Smarfle invoices that work at completion from the client record with the analysis attached, so the fee lands while the value is still obvious.
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Invoice
INV-00142
Issued recently
Bill to
Sarah Johnson
123 Oak Street, Orlando FL 32801
Labor. 2.5 hours @ $95/hr
Parts. Replacement components
Service call · diagnostic
Real Smarfle UI · Live data from your insurance CRM
Why generic invoicing software fails insurance owners
Generic invoicing tools weren’t built for insurance. Smarfle was.
Generic invoicing software
What everyone else gives you
- Advisory fees billed days after the consultation
- Splits are tracked by hand, which produces an error at every closing
- Retainer documents are raised by hand, so they go out late
Smarfle for insurance
Built for your actual workflow
- Advisory work bills at completion from the client record rather than drifting
- The arrangement is held on the record, so each side's document is produced rather than calculated
- Fee arrangements run to their own schedule, kept apart from commission business
How insurance invoicing works in Smarfle
From the first touch to the closed loop. No missing pieces.
- 1
Advisory work recorded against the client
Fee-based work is tracked separately from commission business, so the two do not end up waiting on each other's timelines.
- 2
Invoice raised at completion
Advisory work bills when it is delivered, because it has no commission schedule to arrive on its own and will otherwise drift.
- 3
Fee work kept separate from commission
The client sees what they are paying you for directly, which is a different conversation from what a carrier pays you and should look like one.
- 4
Ongoing arrangements billed on their own cadence
Where a client is on a fee arrangement, it runs to its own schedule rather than being raised whenever someone notices it is overdue.
- 5
Supporting documents attach to the invoice
The analysis or recommendation the fee relates to travels with the bill, so the value is in front of the client as they read the number.
- 6
Payment link on the document
The client settles from the email rather than being asked for bank details, which is a smaller ask at the moment they are least engaged.
Where insurance invoicing breaks down
The friction every insurance owner recognizes.
Commission trains everybody to wait
Carrier money arrives on its own schedule whether or not anybody does anything about it. Fee work has no such schedule, and the habit of waiting gets applied to it anyway.
The fee is small and the work is not
An advisory piece takes a week and earns a fraction of what a policy does. It is the easiest thing in the agency to deprioritize and the first thing to go unbilled.
Renewals are watched by one person
Policy dates live in a spreadsheet somebody built themselves. When that person is on vacation, or leaves, the annual conversation that keeps the client simply does not happen.
Half the fees sit past 30 days
Twenty-six advisory files a quarter, billed anywhere from two weeks to two months after the work landed, leaves about thirteen of them sitting beyond thirty days. That delay is not the client's doing. It is the gap between finishing and raising, and it closes without anybody renegotiating terms.
26
Advisory files a quarter
14-60
Days to invoice after
~13
Fees drifting past 30 days
Based on typical insurance operations. Your numbers may vary.
Features powering insurance invoicing
Each one a deep-dive in its own right.
Households held as records
The people, the contacts and the history attached to a household sit on one record, so a review conversation starts from something rather than from three systems and a memory.
Learn moreRenewal dates as your own fields
Policy dates and carrier details are added as fields your agency defines, so the data you actually run on is on the record instead of in a spreadsheet beside it.
Learn moreRenewal reminders that fire themselves
A message goes out ahead of a date you set, so the annual conversation is scheduled by the system rather than by whoever last opened the spreadsheet.
Learn moreYour agency on the paperwork
Documents carry your agency name and marks, which matters in a business where the carrier's brand is on everything else the client receives.
Learn moreInsurance invoicing software questions
Moving your insurance invoicing 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 invoicing software alongside the rest of your CRM.
Invoicing software for other industries
Same invoicing engine, tuned for each vertical.
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