The Hidden Cost That’s Crippling Insurance—and What We Can Actually Do About It

Let’s be honest: most brokers and agency leaders didn’t get into this business to spend hours reconciling carrier statements. But here we are—in 2025—still toggling between PDFs, spreadsheets, and AMS systems trying to make the numbers add up.

The operational costs across the insurance value chain aren’t just creeping up—they’re sprinting. And while the headlines keep pointing to inflation and interest rates, there’s another culprit nobody talks about enough: manual inefficiency.

I’ve seen this from both sides—advising some of the world’s largest financial firms and now building a platform to fix what’s broken in insurance operations. And here’s the uncomfortable truth: most agencies are leaking revenue, wasting time, and flying blind on growth strategy because they don’t have clean, reconciled data flowing through their systems.

What’s really going on?

• Outdated processes. If you’re still manually matching line items across carrier statements and AMS entries, it’s costing more than you think—especially in commissions you don’t realize you’re missing.
  
  

• Fragmented formats. With thousands of carrier statement types out there, even the best ops team can’t keep up without automation.
  
  

• Increasing cost of offshore labor. Off-shoring operations outside the United States worked in the last decade but it’s not worth the headache anymore with increasing cost, quality control, training and compliance issues.
  
  

• Lack of real-time insight. You can’t steer the ship if you don’t know where the leaks are—or which book of business is driving the most value.
  
  

So what do we do?

This is where real transformation starts—not with more dashboards, but with automation that actually works. At Eventual Treasury, we’ve built a RevOps AI for brokers that plugs into your Agency Management Systems, Customer Relationship Management Systems and Banking Systems, and reconciles Direct Bill and Agency Bill commissions in seconds. Thisgives you real-time intelligence without the need for bots, highlighters, or human gymnastics. Our AI is designed to work out-of-the-box from Day 0 without any training or document highlighting overhead for your business.

We’re proud to be a Premium Solution Provider with Catalyit, helping independent agencies get back control of their revenue—and their time.

Because operational efficiency isn’t just about cost savings. It’s about clarity. Growth strategy. And giving your team the headspace to do what they do best: serve clients and grow books.