# Carrier commission in. Producer splits out in one batch

URL: https://www.orla.finance/en/for/insurance
Markdown twin of that page. Append `.md` to any Orla page URL to get one.

Pinecrest Insurance Agency is appointed with three carriers and pays five producers on commission, with an operations lead, an account manager and an outside accountant.

#### Commission from three carriers, each on its own line

Granite Mutual paid 18,400 on the second, Northstar 11,250, Copper Ridge 6,700. Which carrier carries the agency, and how much of each deposit is the producers' share?

- A carrier is a contact: every deposit from the bank feed lands on its card by the payee's name, beside what it has paid in all and a chart of the last twelve months.
- Where arrival rules are switched on for the space, a rule speaks the moment a carrier's money reaches the book: "Granite Mutual paid 18,400, forty per cent of it is 7,360, move it to Producer commissions." It moves nothing and books nothing; you move it in your bank.
- How much hangs on one carrier: its share of the commission that arrived over twelve months, how many carriers make eighty per cent of it, and what a month loses if the largest leaves.
- Income nobody linked to a carrier is counted in the total and in nobody's share, and the answer says how much that is.

#### Five producers on commission, one monthly batch

Tasha writes for two carriers, Miguel for one, Jordan joined in October. Can the month's split go out together, signed once, from the account the producers' share was set aside on?

- One batch a month: every producer's split with the carriers it was earned on, signed once above the threshold, paid on the bank account each contact carries.
- A threshold and a quorum: the batch waits for a signature, never from the person who prepared it, and the rule checks the batch total.
- The money leaves from your own bank account, and Orla cannot send it alone: where Mercury payouts are on, each payment is a request in Mercury's approval queue, under a token that cannot send; in Airwallex the approved payments are lines of a draft batch, one per currency, that a person submits there.
- A line under a payment says This does not look like you when a producer is paid far above their usual, or the same amount goes to the same producer twice in a week. It explains and never blocks.

#### A new producer, checked before the first payout

Jordan Blake joined in October and earns a first split this month. Is the person behind the name clean, did the bank account come from Jordan rather than from a mail, and who may see what?

- A counterparty check on the contact's card screens the person or the company by name against sanctions, politically exposed persons, criminal lists and adverse media, and confirms a company number in its registry. It spends one check from the same balance as the address screenings.
- Ask for their payment details: instead of typing bank details from an email, you send a link, and they type their own on a page of ours, with no account. The link works once and for seven days, and what they send becomes the contact's bank rail.
- When someone you have paid before is about to be paid on details they were never paid on, the payment waits, even with all its signatures, until someone confirms them. The person who proposed the payment cannot: another signer presses Confirm new details after calling on a number you already had.
- Producers are contacts, tagged as you like, and do not take a seat; the people in the office get roles, and each action that changes the book asks for its own key.

#### Lead lists, the agency system and E&O, on a budget

Fieldstone bills the leads, and the agency system and the E&O premium go out every month. What is due, and does the leads budget hold?

- Bills arrive as documents and become rows to pay; one PDF holding several invoices becomes several bills.
- Before a bill is paid, the book looks for the one it already has: the same number written another way (FL-2207 and FL 2207), the same amount from that supplier within ninety days under a new number, or money that already left to them for that amount. A person says duplicate or different bill, and both papers stay.
- A limit on one supplier: cap Fieldstone Leads at a monthly figure whatever category its rows are filed under, and the budget watch says before it is gone.
- Cards with a ceiling for the lead buys and the marketing tools, topped up in USDT or USDC, the receipt asked of whoever paid.

#### The month to the accountant

Three carriers, five producers, a set-aside account and an accountant who wants commission and splits on their own lines and nothing waiting for a signature.

- A closing checklist with a door into each list: rows without a category, rows without an account code, rows without paper, payments without a quorum, and every invoice still unpaid at the close.
- Rows without paper are asked of whoever paid: they answer with the file, No receipt or Not my expense, or press Attach a receipt under the ask in Telegram or Slack. The row closes itself the moment a file arrives, and reminders go on the third and the seventh morning.
- A zip archive, a journal CSV, and each account's feed in the shape QuickBooks Online and Xero import.
- Review, Close, Reopen with a reason; what changed after the export is visible, and an accountant seat reads the closed period without changing it.

#### Three people in the office, five producers on the book

- Principal: Signs the producers' split, reads which carrier carries the agency, and confirms changed bank details by phone.
- Operations: Moves the producers' share when the arrival rule names it (where arrival rules are switched on), prepares the split, checks new producers, and closes the month.
- Account manager: Runs the lead and marketing card inside its limit, and sends the receipts.
- Accountant: Gets commission by carrier and the splits on their own lines, and reads the closed period without changing it.

#### Ask it how much of the agency rests on one carrier

Commission from three carriers lands on one book: the composer counts what actually arrived over twelve months, not what was promised.

- How much hangs on one client: The largest client's share over twelve months, how many clients make up 80%, and what a month loses if the largest leaves.
- The week's payments: The signing queue, the calendar and the forecast as one order: which of the nine fit this week and which two are marked move, with the day money is next expected.
- A payee out of pattern: A payment that does not match the history of that payee and amount, on any rail, not only crypto. It explains and never blocks.

#### Carriers pay your bank, producers are paid from it

The bank feed reads the deposits from every carrier and the set-aside account, producers are paid from your own Mercury or Airwallex, bills come by mail, and the month leaves for QuickBooks or Xero.

#### A producer is paid only where they asked to be

- Checked by name: A new producer is screened against sanctions and the other lists before the first payout, and the verdict sits on the card.
- Their own details: A producer types their bank account on a link of their own, and a changed account is held until a second person confirms it by phone.
- You sign the mandate: You sign the line above which a payout waits for a signature, and what the lead card may spend. The monthly split crosses that line, so it waits for the principal; a changed bank account waits for a phone call, and a payout out of pattern is named under it before anyone signs.
- Prepared by one, signed by another: The monthly split is over the threshold, so it waits for a signature, and never from the person who prepared it.

#### Your first hour, in three steps

Start free with an email: no card, no time limit, nothing to install.

1. A space for the company. Sign up, and the company gets a space of its own, apart from anything personal. The free plan includes one business space.
2. One account, and the first rows. Connect one bank, exchange or platform, or drop in a statement in any language. The first rows land in minutes, each with its category.
3. One real bill. Drop in a supplier bill's PDF, and watch it become a bill to pay with its supplier, amount and due date.

All it takes: an email and one bill.

#### Questions

##### Does Orla hold or account for our clients' premiums?

No. Premiums a client pays toward a policy often sit in a separate account with rules of their own, and Orla does not keep or account for that money. It keeps the agency's own: commission in, producers and suppliers out, and the month for the accountant.

##### Can the producers' share be worked out as commission arrives?

Where arrival rules are switched on for the space, an arrival rule speaks the moment a carrier's deposit reaches the book and names the share to set aside and the account it goes to. It moves nothing by itself: you move the money in your bank, and the transfer is recorded as a move between your own accounts.

##### Do producers need a seat?

No. A producer is a contact with a bank account on file. Only the people who prepare, sign or read the books take a seat.

##### Is a new producer checked before they are paid?

A counterparty check on their card screens them by name against sanctions, politically exposed persons, criminal lists and adverse media, and confirms a company number in its registry. It spends one check, and the verdict stays on the card with its date.

#### Read next

- Pay contractors: a batch inside the mandate: https://www.orla.finance/en/use-cases/pay-contractors
- Month-end close: the checklist in your books: https://www.orla.finance/en/use-cases/month-end-close
- Paying from your own Mercury: https://www.orla.finance/en/mercury
- Orla vs Tipalti, for commission payouts: https://www.orla.finance/en/vs-tipalti
- Affiliate networks: https://www.orla.finance/en/for/affiliate
- Clinics and professional practices: https://www.orla.finance/en/for/practices