Agentic Back Office

What ABO runs for you.

Six jobs between your policy system and your GL. We run them every day, and you see every figure behind them.

Billing and collections

Instalment schedules, direct debit mandates and card payments taken at checkout, all tied to the policy.

  • Collections submitted on time, failures re-presented automatically
  • Mid-term changes update the schedule and the books in one step
  • Arrears visible by policy, scheme and age
Money in for Harbourline Marine Ltd, November 2026: £1,321.60 scheduled across nine collections, one unpaid instalment of £67.20, collections by week, the largest arrears and card settlements matched to policies.

Client money

Resource against requirement for each legal entity and currency, calculated continuously and reported in a form your auditor can follow.

  • Shortfalls and excesses shown the day they arise
  • Card money held by the payment provider shown separately, never counted twice
  • Every line traces to the policies and payments behind it
Client money calculation for Harbourline Marine Ltd as at 30 October 2026: resource of £2,190.72 against a requirement of £1,894.72, an excess of £296.00, with each line linked to the balances behind it.

Insurer settlement and bordereaux

Statements and bordereaux come from the same ledger as your accounts, so they always agree.

  • Premium, tax and commission split at source
  • Settlement on the terms of each binder
  • CSV and designed statements, figure for figure the same
Statements for October 2026 by counterparty, all settled, with £680.00 paid to insurers in EUR and £1,694.72 in GBP, and a CSV for each statement.

Distribution and commission

For schemes sold through more than one intermediary, each layer's commission is calculated exactly and every party gets its own statement.

  • Commission by layer, to the penny
  • Group companies kept as separate books, with intercompany balances that eliminate on consolidation
  • Gross and net collection both supported
Distribution view for the whole Harbourline group, October 2026: commission by layer totalling £594.00, and each scheme's chain of intermediaries from retailer to insurer with each party's share.

Tax and compliance, per legal entity

Insurance premium tax, VAT and regulatory obligations are tracked for each legal entity, with returns prepared from that entity's ledger.

  • A calendar of obligations with figures and evidence
  • Premium tax by regime and by who is liable for it
  • Filing recorded with sign-off, not left in an inbox
Compliance page for Harbourline Marine Ltd: seven obligations due in the next 14 days, a calendar of client money reconciliations, bordereaux and premium tax schedules with their status, and the entity's registrations.

Your GL, kept clean

Period-end journals per legal entity, mapped to your own chart and dimensions.

  • Sage Intacct, with more GLs to follow; generic CSV for any GL
  • Posted as drafts for your team to approve
  • Control totals that tie to the period trial balance
GL journal for Harbourline Marine Ltd, October 2026: one summarised journal by account, currency, insurer and binder, ready to export.

Screens show a demonstration client with synthetic data.

See your book run on ABO.

Book a 30-minute call. We will walk through a live example — from a policy being bound to the insurer being paid — and show you what your month-end would look like.

Book a call