Free tool · about 2 minutes · 🟧 independent insurance agencies

What is your back-office
re-keying costing you?

COIs piling up. The same submission typed into five carrier portals. Renewals as a fire drill. Move the sliders to see the hours and dollars your team loses to manual back-office work — and what you could free up to write more business without hiring.

[VERIFY]Agency benchmarks are directional pending validation with a design-partner agency. Your inputs drive your number; see assumptions.

Your agency's back-office

Certificates of insurance (COIs) —

100
12

Submissions & re-keying —

40
45

Renewal processing & policy checking —

80
30
$38/hr
Wage + benefits + overhead for the staff doing this work.
Advanced assumptions
70%
Share of in-scope work the system handles touchless or assisted. Conservative default. [VERIFY]
Your team is spending about
$113,000
per year on COIs, submissions & renewals
$65,000
recoverable per year
1,700
staff hours freed / year
0.8
CSR-equivalents of capacity
14 wks
until the audit pays for itself
That's roughly 0.8 of a CSR's year handed back to your team — capacity to write more business, without adding headcount, and fewer manual touches means a smaller error surface (less E&O exposure).
Independent agencies run on recurring commission income and strong margins, but dense, repetitive document work — COIs, ACORD forms, re-keying the same submission into multiple carrier systems — eats the capacity to grow.Directional, from vertical research. [VERIFY] with your own time study — which is exactly what the AI Audit does.
Get your full report

Want the breakdown by task — and your number verified?

We'll send a one-page report with the math by workflow (COI / submissions / renewals) and the path to your capacity target. Then, if it's worth it, we'll baseline it on your real volumes in a 20-minute call.

No spam, ever. Your data stays on US infrastructure.

Your back-office cost — summary

Book a 20-min call to verify your numberSee how it works for agencies

[PLACEHOLDER: connect this form to MarginArc's CRM / email — report renders client-side only.]

Assumptions & sources — every number shows its work
Agency volumes & minutes/task[VERIFY] Directional defaults from vertical research; your inputs replace them. Validate against your own time study.
Addressability by taskCOIs ~90%, submissions ~85%, renewals ~55% (renewals are more judgment-heavy). MarginArc assumption, conservative. [VERIFY]
Automation/assist target 70%Conservative default for the in-scope work; adjustable.
50 working weeks / year · 1 FTE = 2,080 hrsStandard.
Audit $15–40K (≈$18K used)MarginArc pricing ladder; payback uses the lower-end midpoint for agency engagements.
Capacity & E&O framingHours freed = capacity to write more without hiring; fewer manual touches = smaller error surface. We do not claim a specific E&O % — that would be invented.

Illustrative estimate, not a quote. The AI Audit replaces every assumption with a measured baseline from your AMS and a real sample — then we tie our fee to hitting it. No fit, no fee.

That's your capacity. Let's free it.

A working system you can measure in about two weeks — not a slide deck. We'll baseline the hours your team loses today and put our build fee on hitting the number.

Book a 20-min callRun the distribution version