Commission disbursements agents can count on.
New business, renewal, and contingent commissions run on their own schedules. DisburseCloud automates the full commission payment cycle — split disbursements to general agents and sub-producers, 1099 reporting, and ACH or check — driven by your commission schedule.
New Business Commissions
First-year commissions paid to writing agent and general agent on policy effective date. Split percentages configured per commission schedule — no manual calculation required.
Renewal Commissions
Persistency and renewal commissions paid on anniversary dates. DisburseCloud reads your commission schedule and initiates payments when policy renews, handling mid-term agent-of-record changes.
Override & Volume Bonus
GA override and volume bonus payments calculated against production thresholds and paid on your cycle — monthly, quarterly, or annually — with full breakdown by policy and line.
Contingent Commissions
Annual profit-sharing and contingent commission settlements involve multiple producers and GAs. DisburseCloud handles the split disbursement and year-end 1099 in one workflow.
GA + producer split payments
One commission instruction splits between general agent and sub-producer at configured percentages. Both receive payment and remittance simultaneously.
ACH, check, and EFT
ACH direct deposit for enrolled producers. Check for non-enrolled. EFT for high-volume GAs who prefer wire-equivalent settlement.
Commission schedule import
Upload commission schedules via CSV or API. Rate tables, payment cycles, and split percentages maintained per carrier agreement.
1099-MISC year-end reporting
All commission payments tracked for IRS 1099-MISC. TIN validation run against IRS TIN Matching. Year-end export in EFW2 format.
Producer payment portal
Producers log in to view payment history, download remittance reports, and update banking details. Reduces inbound commission inquiries.
EIN / TIN validation
Producer and GA EINs validated before enrollment. OFAC screening at onboarding and annually. Invalid TINs flagged before 1099 filing.
Hold & release controls
Hold commission payments pending E&O certificate renewal or licensing verification. Release individual or batch payments from a single admin screen.
Per-cycle reconciliation
Reconciliation export per payment cycle with policy number, written premium, commission rate, split percentage, and payment amount per payee.