Updated November 9, 2026
An insurance agency invoice template is different from a contractor invoice because part of what the client pays is not yours. Premium owed to a carrier and the agency fee you earned have to stay clearly separate on the page and in the books.
Quick answer: An insurance agency invoice lists each policy, carrier, term and premium, any separately disclosed agency fee, the total and due date, and the remit-to details. Commission does not appear on the client invoice; it is tracked in your agency ledger. The worked renewal below totals $6,250 and remits $5,392.80 to carriers.
An invoice only makes sense for what the agency itself collects. On direct-billed policies the carrier bills the client, and your invoice covers only any agency or service fee. On agency-billed policies you collect the premium, keep your commission and remit the net to the carrier. Premium held for carriers is commonly treated as trust money, and rules on fee disclosure and trust accounts differ by state, so check your state's insurance department and your carrier agreements before you use this template.
| Line | What to write | Note |
|---|---|---|
| Agency details | Legal name, license number where required, address | Top of invoice |
| Client | Named insured, mailing address, account number | Match the policy |
| Invoice data | Invoice number, date, due date | Due before the carrier deadline |
| Each policy | Line, carrier, policy number, term dates | One row per policy |
| Premium | Amount for each policy | Taxes and carrier fees on their own lines |
| Agency fee | Described as a separate fee, if allowed and agreed | Do not fold into premium |
| Payment | Remit-to, accepted methods | Any card fee shown only where permitted |
| Notice | What happens if premium is not received by the due date | Follow your carrier’s cancellation terms |
Every figure below is an assumption for illustration. Commission rates and fees vary by carrier, state and agreement.
| Client invoice line | Amount |
|---|---|
| Business owners policy, 12-month premium | $4,860.00 |
| Workers compensation, deposit premium | $1,240.00 |
| Agency service fee, disclosed and agreed | $150.00 |
| Invoice total | $6,250.00 |
Now the agency ledger, which the client never sees.
| Agency ledger line | Math | Amount |
|---|---|---|
| Commission on business owners policy | $4,860 × 12% | $583.20 |
| Commission on workers compensation | $1,240 × 10% | $124.00 |
| Total commission | $707.20 | |
| Net remitted to carriers | $6,100 − $707.20 | $5,392.80 |
| Agency keeps | $707.20 + $150 | $857.20 |
The check that catches most mistakes: remitted amount plus agency revenue must equal what the client paid. $5,392.80 + $857.20 = $6,250.00. Build that as a formula in your invoice file and it will flag a typed-over premium before it reaches the client.
Add a truck or a location mid-term and bill it as a new invoice that cites the endorsement number and effective date. Rolling it into the next installment makes reconciliation with the carrier statement far harder.
Your exposure on agency-billed accounts starts when the carrier statement is due. Set reminders ahead of that date, and read how much insurance agency owners make to see how commission and fee income build a book. Estimate your office load with the hours-back calculator.
Assume the carrier statement is due on the 15th of the following month. Send the invoice 30 days before the premium is due, a reminder at 10 days, a second at 3 days, and a phone call the day after a miss. These intervals are a starting point; change them to match your carrier terms and how your clients pay.
Unmanually is a 24/7 AI Office Manager for independent insurance agents. It answers client calls, sends the invoices you approve, reminds clients before the due date and logs what went out. See how it works for independent insurance agents.
Agency and client details, invoice number and due date, each policy with carrier and term, premium, taxes and fees on separate lines, any agency fee, and remit-to details.
Normally no. Commission is tracked in the agency ledger, and the client invoice shows premium and any separately disclosed fees.
On agency bill the agency collects premium and remits net of commission; on direct bill the carrier bills the client and pays the agency commission.
It depends on the state and the carrier agreement. Check your state insurance department’s rules, and disclose any permitted fee as its own line.
Owners spend about 11 to 16 hours/week on admin, and a lead reached within an hour is nearly 7 times more likely to turn into a real conversation (HBR). Knowing what to do is the easy part; the money leaks out in the calls you can't take, the follow-ups nobody sends and the invoices that sit unpaid. Unmanually is a 24/7 AI Office Manager for independent insurance agents that you run by voice from your phone:
Sources: admin hours, Time etc / Censuswide 2023 and Amex SME Barometer 2026; speed to lead, HBR audit of 2,241 US companies (2011).
Unmanually is an AI Office Manager that works 24/7 and that you run by voice from your phone. Leave your mobile number and the AI Office Manager calls you right away, the same way it would call back one of your customers. That call is the demo: it answers, books you a 15-minute time with the founder and follows up.
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