FOCUS runs the financial back office for P&C carriers and MGAs: premium posting, billing and collections, reconciliation, commissions, refunds, statutory and compliance accounting, and surplus lines taxes and filings. A 100% U.S.-based team, inside your systems, with documentation that is ready for regulators.
Relying on an in-house team for insurance accounting presents challenges that go well beyond payroll, and leadership still expects costs down 15 to 20 percent while the operation scales.
Managing complex accounting workflows on legacy platforms creates operational drag and raises the risk of errors in financial reporting, the kind that surface in an audit.
For many carriers and MGAs, the biggest challenge is finding and retaining people with insurance accounting skills: statutory, premium, commission, and surplus lines tax expertise in one team.
The staffing gap becomes a critical vulnerability during seasonal peaks or catastrophic events, which demand immediate surge capacity that is difficult to build internally.
Handled by an operations partner, accounting and billing move from a fixed cost center to a variable, adaptive operational asset, with more visibility than most in-house setups provide.
Operational and statutory accounting, billing, and the filings that go with them, run by a team that does this work for carriers and MGAs every day.
Print, mail, and imaging are available alongside, so statements, notices, and documents go out on the same schedule as the books close.
The fear with outsourcing financial work is a black box. The FOCUS model is built to be the opposite.
End-to-end, audit-ready quality assurance tracks and scores every task, and real-time KPI dashboards replace uncertainty with numbers. Regulator-ready documentation is produced as the work happens, so an audit request is a retrieval, and the operation holds a 95%+ QA score.
95%+ QA score · real-time KPI dashboardsMore than 300 U.S.-based professionals, including licensed agents, handle every transaction inside U.S. privacy and data-security regulations. That removes the security, compliance, and time-zone exposure of offshore models, and every interaction stays aligned with your brand.
300+ U.S.-based professionalsFOCUS is system-agnostic and integrates directly into your existing stack: your policy and billing core, your general ledger, and the payment, document, and data platforms around them. There is no disruptive technology project to get started. One large AWS cloud migration cut client integration time from the typical three to six months to one week.
A selection of the platforms FOCUS teams work in today. Yours is welcome.
Resources scaled when clients needed them most.
Their agents asked for a service center. Encova Insurance delivered.
Operational in five months. Agents and policyholders experience Encova at every touchpoint.
Accounting and billing sit inside a full operation, so the numbers reconcile to the underwriting, servicing, and claims work that produced them.
Statutory, regulatory, and reinsurance reporting handled as part of the same close.
Explore UnderwritingIntake, report ordering, and task processing off your senior underwriters’ desks.
Explore Claims processingClaim payments, reserving, and full claims accounting behind every file.
ExploreStraight answers to what carriers and MGAs ask first.
Premium posting and check handling, billing, collections, and refunds, cash and bank reconciliation, commission processing and producer statements, compliance accounting, statutory accounting and reporting, reinsurance reporting, annual Yellow Book filings, and surplus lines tax calculations, stamping, and state filings. Print, mail, and imaging are available alongside.
FOCUS is system-agnostic and works inside your existing policy and billing core, general ledger, and payment platforms. For carriers and MGAs that want a modern core, the InFOCUS platform covers policy, billing, rating, and claims, with data-warehouse access, Power BI reporting, 30+ integrations, and SOC 2 Type 2 controls.
End-to-end quality assurance tracks and scores every task, real-time KPI dashboards show status as it happens, and documentation is produced regulator-ready, so statutory audits and market conduct exams are a retrieval rather than a scramble. The operation holds a 95%+ QA score.
Yes. The FOCUS team is 100% U.S.-based, more than 300 professionals including licensed agents, and every transaction is handled inside U.S. privacy and data-security regulations.
Yes. Surplus lines tax calculations, stamping, and regulatory filings by state are owned end to end, and the team supports multi-state expansion as new authority comes online.
Tell us about your lines, states, and premium volume. A 30-minute conversation maps the FOCUS accounting and billing model to your operation.
