Free tool for insurance agency owners

Insurance Agency cash flow forecast for the next 13 weeks

An agency forecast is commission checks against payroll. Put each carrier's payment in the week it usually lands.

Cash in the bank today$ Customer payments per week, on average$ Payroll per run, all-in$ Payroll schedule Next payroll is in Fixed bills per month, paid on the 1st$ Other spending per week (supplies, fuel, card)$

Add one-off items (tax payment, equipment, a big invoice)

Negative for money going out, positive for money coming in.

Lowest point

Safe line (2 payrolls)

cash you never want to drop under

Weeks under the safe line

of the next 13

Week of	Comes in	Payroll	Bills and other	Cash at week end

The starting numbers are an example for an insurance agency. Replace them with yours.

Getting the forecast right for an insurance agency

Put each carrier's commission in its usual payment week.
Keep trust account money out of the forecast. Forecast the operating account only.
Add contingency commissions only once the carrier confirms them.

An example

A commercial producer writes a large policy in March. The carrier pays the commission in late April or May. The producer's salary runs from March. The forecast shows the six to eight weeks between the work and the check.

What to watch

Retention by line of business
Commission checks arriving later than usual from a carrier
Producer pay against the new commission it produces

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One Page CFO builds your 13-week forecast from your QuickBooks, invoice by invoice, and a CFO checks it before it reaches you.

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