Keelridge

The AMS companion for agency performance and book of business management

See what changed.
Know what needs attention.

Keelridge turns recurring AMS and accounting records into a clear operating review for owners and focused Book work for account teams—without replacing the system that runs the agency.

Talk with the founder See how it works

Built alongside a working independent agency.

KEELRIDGE / OPERATING REVIEW SYNTHETIC EXAMPLE
HOME · OWNER WORKSPACERole scoped · sources named · limits visible
MONTHLY OPERATING REVIEW · CURRENT PERIOD · SYNTHETIC EXAMPLEWhat changed financially?Start with what changed, then follow the source-backed detail.
Sources ready
Booked revenue$1.23m+3.1% vs plan
Operating margin16.8%+0.6 pts
Revenue pacingCommission income is ahead of the approved plan.
Expense movementCompensation and technology explain most of the variance.
01Works alongside your AMS02Views shaped for each role03Sources and periods stay visible04People remain in control

The missing operating layer

Your agency has the records.
Keelridge helps explain the business.

Most agencies already have an AMS, an accounting system, and a trail of exports and spreadsheets. The hard part is turning them into one reliable management rhythm without creating another client record.

Keelridge keeps the sources distinct, makes the differences visible, and gives each role an appropriate way to review what needs attention.

AGENCY RECORDS
A
AMS BookIn-force operating view
GL
AccountingBooked financial results
F
Agency factsMappings and definitions
KeelridgeGovern · compare · explain
ROLE-APPROPRIATE REVIEW
OWNERAgency performanceFinancials, Book, plan, benchmarks
ACCOUNT TEAMMy BookRenewals, changes, follow-up, rounding

One agency · different responsibilities

The right operating view for the role.

01 / OWNERS

Run the agency from questions, not report menus.

Follow financial performance, Book movement, retention, concentration, budgets, and benchmark gaps with the source and period attached.

  • Agency financial and Book performance
  • Budget and Best Practices context
  • AMS-to-accounting difference kept explicit
Explore the owner view →
BOOK TO GL · EXAMPLEWhat explains the difference?
AMS run-rate$1.15mAdjustments+$58kUnallocated$22kBooked income$1.23m
SOURCE · PERIOD · DEFINITION · LIMIT
02 / ACCOUNT TEAMS

Review the Book each account manager is responsible for.

Give account managers a focused place to see upcoming renewals, material changes, follow-up state, and rounding candidates—without a public leaderboard.

  • Private personal performance
  • Renewal and premium-change review
  • Clear return to the AMS for service work
Explore My Book →
MY BOOK · EXAMPLEUpcoming work
Renewal reviewMaterial premium changeReview
Upcoming renewalNo recent follow-upUpcoming
Rounding candidateVerify in AMSVerify
ROLE SCOPE APPLIED · NO PEER RANKING

An honest system boundary

Keelridge does not become your second AMS.

Policy and client transactions remain in the system built to own them. Keelridge helps the agency understand performance, identify review work, and return to the authoritative record.

Understand the boundary
KeelridgePerformance, comparison, work review
Your AMSPolicies, clients, service history, transactions
AccountingPosted financial records
Your peopleJudgment, decisions, customer communication

The pilot operating rhythm

From monthly records to a repeatable review.

  1. 01

    Map the sources

    Establish which records, mappings, roles, and definitions the agency uses.

  2. 02

    Validate the close

    Stage recurring AMS and accounting files, check freshness, and surface exceptions.

  3. 03

    Review by role

    Owners inspect the agency; account teams inspect the Books assigned to them.

  4. 04

    Return to the record

    Complete policy and customer activity in the AMS, where the authoritative history belongs.

Straight answers

What Keelridge is—and is not.

Does Keelridge replace an agency management system?

No. The AMS remains the authoritative home for policies, clients, service history, and insurance transactions. Keelridge works alongside it for performance analysis and role-specific Book review.

Who is Keelridge for?

Keelridge is being developed first for owners of small and midsize independent property and casualty agencies with several account-team roles and recurring AMS and accounting reports.

What does Keelridge show an agency owner?

The current product combines agency financial reporting, in-force Book analysis, budgeting, Best Practices benchmark context, new-business tracking, and an explicit comparison between operating and accounting records.

What does an account manager see?

Account managers receive a focused view of their own Book, including personal performance metrics, upcoming renewals, premium-change flags, follow-up state, and rounding candidates. Sensitive agency-wide economics stay outside that view.

Why doesn't my agency's commission income match my P&L?

The two records answer different questions. An AMS commission run-rate describes the in-force book of business at a point in time, while the general ledger reports what was actually posted in a period. Timing differences, direct-bill payments, contingent and profit-sharing income, excluded lines, and unallocated deposits all sit between them. Keelridge places the two side by side and keeps the difference visible instead of forcing them to agree.

Read the note →
How is premium retention different from client retention?

Premium retention measures how much premium dollar volume renewed, so a rate increase can raise it even while accounts are leaving. Client retention counts how many accounts stayed. An agency can report a strong premium retention number and still be losing customers, which is why Keelridge shows both from named AMS periods rather than a single blended figure.

Read the note →
Does Keelridge work with AMS360 and QuickBooks?

Those are the initial supported sources. The current implementation path uses a recurring AMS360 book of business export and QuickBooks income and expense reports, staged and validated before reporting. Broader connector coverage comes only after that narrow workflow is repeatable.

Is Keelridge generally available?

Not yet. Keelridge is in pilot development with one independent agency while the product, security boundaries, onboarding process, and commercial model are made repeatable.

Founding Agency Program

Help shape Keelridge through real agency work.

We are preparing a limited, paid design-partner program for owners willing to use Keelridge in real monthly operations and give structured feedback.

Explore the founding program