Notes
Short pieces on the reporting questions that come up in a real monthly review: where the book and the ledger disagree, what retention actually measures, and which differences are worth chasing.
Financials · August 17, 2026
Because the two records answer different questions. Your agency management system describes the book of business you have in force right now, while your general ledger reports the money that actually posted during a period. Timing, direct-bill statements, contingent income, excluded lines, and unmatched deposits all sit between them. A gap is normal — an unexplained gap is the problem.
Read the note →Book of business · August 10, 2026
Premium retention measures how many dollars renewed. Client retention measures how many customers stayed. Because premium retention moves with rate as well as with behaviour, a hard market can lift it while an agency is quietly losing accounts. Reported alone, either number can describe an agency that is not actually there.
Read the note →Book of business · August 3, 2026
Because remarketing an existing client usually looks identical to winning a new one. A new carrier means a new policy number and a new effective date, so a management system counting new policies counts it as new business — while the replaced policy counts as lost. The agency books growth and churn on a customer who never went anywhere.
Read the note →A working session, not a sales script
If one of these describes a number your agency rebuilds every month, that is a useful conversation whether or not Keelridge is the right fit.
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