Insurance Billing, Rebuilt

From Spreadsheet to Billing System.

Policivo turns your existing policy data into a fully automated billing platform for independent agencies, brokers, and MGAs — no system migration required.

Import your existing spreadsheets ACH & card payments built-in Audit-ready reconciliation

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✓ 14-day free trial • No credit card required • 250 billing events included

Pricing starts at $99/month. Purpose-built for brokers & MGAs.

Live Billing Snapshot

Demo Data

Open invoices

$84,200

Due to carriers

$51,900

Unreconciled

$2,340

Invoice, collect, and remit — all from one dashboard. Apply broker and MGA overrides automatically. Generate carrier remittance reports and audit trails instantly.

What Policivo Automates

Everything you need in a modern billing platform

Replace manual spreadsheets and disconnected tools with a single Billing OS that understands carriers, MGAs, brokers and trust accounting.

📄

Invoice creation & PDFs

Generate branded invoices in seconds. Carrier and premium logic built in. Email-ready PDFs out of the box.

💰

ACH & card payments

Customers pay through a secure, branded portal. Payments sync instantly to your billing and reconciliation views.

🏦

Carrier net & remittances

Calculate MGA overrides and carrier net amounts automatically—no more manual spreadsheets.

✅

Reconciliation engine

Match invoices, payments, and carrier statements. Policivo flags exceptions before auditors or carriers do.

📊

Reports & exports

Generate remittance summaries, premium reports, and compliance exports with a single click — CSV or PDF.

🔐

Trust accounting workflows

Designed with trust accounting and regulatory requirements in mind—from premium allocation to remittance timing.

Money Flow

How payments work

Your money goes directly to your bank account — not Policivo's. Here's exactly how it works.

⚙️

One-Time Setup

Sign up as an agency on Policivo
Go to Settings → Payment Setup
Click "Connect with Stripe"
Log into existing Stripe or create new account
Enter your bank account details
Your Stripe account is now linked

Takes ~5 minutes

→

📧

Send Invoice

Create an invoice in Policivo
Download PDF with QR code
Send via email or mail
Customer scans QR code
Sees payment page with amount
Pays with card or bank transfer

Customers pay in seconds

→

🏦

Receive Money

Stripe processes the payment
Money goes directly to YOUR bank
Arrives in 2-3 business days
Policivo marks invoice as "Paid"
Full audit trail maintained
No manual reconciliation needed

Direct deposit to you

🔐

The Key Point

Stripe Connect links YOUR Stripe account (with YOUR bank details) to Policivo. Every payment from your customers goes directly to YOUR bank, not Policivo's.

Cash Flow

Billing that can improve cash flow

Most insurance businesses don't have a billing problem — they have a cash timing problem.

⏱️

Faster Time-to-Cash

Collect premiums with ACH and card payments the moment invoices go out — plus automated reminders so money doesn't sit in A/R.

💵

Stop Floating Premiums

Avoid paying carriers before clients pay you. Policivo can help you stop acting like a short-term lender.

📊

Visible Cash Position

See what's collected, what's pending, and what's ready to remit — in real time, across every entity.

Traditional Billing

Invoices sent, payments arrive late
Cash stuck in A/R
Agencies front carrier payments
No real-time visibility

With Policivo

Payments collected faster
Reduced cash float
Controlled remittance timing
Live cash flow visibility

Billing shouldn't strain your cash. Policivo can help remove the timing gap.

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Security & Compliance

Enterprise-grade security for your billing data

Insurance billing involves sensitive financial data and fiduciary responsibility. We take security seriously.

🔒

Secure Payment Processing

Payments are processed through Stripe, which handles all sensitive card data on their PCI-compliant servers — not ours.

🛡️

Industry-Standard Security

All connections use HTTPS encryption. We leverage Stripe's security infrastructure for payment processing.

📋

Audit-Ready Trails

Transaction history and invoice records available for export. Supports carrier audits and internal compliance reviews.

For payment processing

For mail delivery

🔐

HTTPS Secure

Encrypted Connection

Product Tour

See Policivo in action

Take a visual walkthrough of the platform and see how Policivo transforms your billing operations.

Prefer video? Watch the 3-minute demo

Invoice Management Dashboard

Your central hub for all billing activity. View recent invoices, track payment status, filter by carrier or policy type, and take action with one click. Import policies from Excel or create invoices manually.

AR Aging Reports

Know exactly what's outstanding and when. The AR Aging report breaks down receivables by aging bucket—current, 30, 60, 90+ days—so you can prioritize collections and spot issues before they become problems.

Carrier Remittance Reports

See exactly what you owe each carrier at a glance. Policivo automatically calculates carrier net amounts based on your defined rules, making month-end remittance effortless.

Accounting Exports

Export your data to QuickBooks, Xero, or generic CSV with one click. No manual data entry, no copy-paste errors. Keep your accounting system in sync with your billing platform automatically.

Invoice Branding

Make every invoice your own. Upload your logo, set your business details, and create professional-looking invoices that reinforce your brand with every customer interaction.

Workflows

Built around how brokers & MGAs actually work

Policivo doesn’t ask you to change your business. It wraps around existing workflows and automates the painful parts, from invoice creation to carrier audits.

Broker invoicing & payments

Create invoices manually or import your existing spreadsheet. Collect ACH or card payments through a secure customer portal.

1. Enter invoice details manually or import via CSV.
2. Policivo generates clean, branded PDF invoices.
3. Customers pay online; dashboard updates automatically.

MGA remittance & carrier net

Handle MGA overrides and carrier net amounts from one place.

1. Define remittance rules for your programs.
2. Invoice and collect premiums with logic applied.
3. Auto-generate carrier and partner remittances.

Reconciliation & reporting

Stop chasing spreadsheets and missing dollars. Let Policivo match payments to invoices and flag discrepancies for you.

1. Payments and invoices sync in real time.
2. Carrier remittance dates and amounts auto-calculate.
3. Export reports for compliance and accounting in one click.

Integrations

Works with your existing tools

Policivo fits into your current workflow. Import data easily and export to the systems you already use.

📊

QuickBooks

One-click export to QuickBooks Desktop or Online

📈

Xero

Seamless sync with Xero accounting

📁

CSV Import/Export

Universal format for AMS systems like Applied Epic, Vertafore, HawkSoft

📧

Email & Mail

Send invoices via email or physical mail (via Lob)

Pricing

Simple, Usage-Based Pricing

All features included in every plan. Pay based on your billing volume.

Start with a 14-day free trial (250 billing events). No credit card required.

Solo Broker

Perfect for solo operators

$99/month

5,000 billing events/year

$0.06/event overage

Typical book size

~$1M annual premiums

~$400 avg premium/policy

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All Features Included

Every plan includes the full Policivo platform. No feature gating—just pay for the volume you use.

✓ Invoice Management & PDF Generation

✓ Payment Collection (Card & ACH)

✓ Magic Payment Links with QR Codes

✓ Customer Portal

✓ Manual Payment Recording

✓ Automated Payment Reminders

✓ Policy Management

✓ Commercial & Personal Lines

✓ Carrier Tracking

✓ CSV/Excel Import & Export

✓ Custom Branding & White-label Invoices

✓ Branded Email Templates

✓ Installment Scheduling

✓ Recurring Invoices

✓ All Reports (Surplus Lines, Premium Tax)

✓ Accounting Exports (QuickBooks, Xero)

Compare Plans

	Solo Broker	Agency	Enterprise / MGA
Billing Events / Year	5,000	25,000	150,000
Overage Rate / Event	$0.06	$0.04	$0.03
Team Members	1	Up to 100	Unlimited
Support	Email	Priority Email	Dedicated Account Manager

FAQ

Frequently Asked Questions

Everything you need to know about getting started with Policivo.

How are billing events counted?

Each invoice issued, payment attempt, successful payment, refund, or other billing action counts as one event. Your usage resets annually from your subscription start date.

What happens if I exceed my billing events limit?

You can continue using Policivo without interruption. Overage events are billed at your plan's overage rate at the end of each billing cycle.

Can I change my plan anytime?

Yes! You can upgrade or downgrade your plan at any time. Changes take effect immediately, and billing is prorated.

Is there a free trial?

Yes! We offer a 14-day free trial with up to 250 billing events. No credit card required to start.

Do all plans include the same features?

Absolutely! Every plan includes the full Policivo platform—all features, all integrations, all reports. The only difference is volume capacity and support level.

What payment methods do you accept?

We accept all major credit cards including Visa, Mastercard, and American Express through our secure Stripe payment processing.

Why Policivo

Built by an insurance finance veteran

Policivo is not a generic invoicing app. It was designed by someone who has lived the carrier, MGA, and broker billing pain for decades.

Jim Boos, CPA, CMA, ACMA

25+ years across AIG Private Client Group, PCS (MGA spin-off backed by Stone Point Capital), QBE P&C, Willis Towers Watson, and TriNet FP&A. I’ve led spin-offs, NetSuite implementations, MGA diligence, reinsurance structures, and built reporting, treasury, and close processes around exactly the problems Policivo solves.

Policivo is the billing platform I wanted at every insurance finance job I’ve ever had.