Agreement summary
Eligibility rules, rate tables and bonus tiers for each carrier and year, with the source clause for each.
Track contingent commissions against every carrier agreement.
Navi reads each carrier's contingent commission agreement and the monthly production and loss reports. It tracks eligibility, estimates the commission and shows what it would take to reach the next tier.
Check our Harbor Mutual results against the 2026 agreement. Are we eligible, what do we expect to earn, and how far are we from the growth bonus?
The targets sit in the agreements. The results arrive every month.
Each carrier's profit-sharing agreement sets its own premium minimum, loss-ratio limit, growth tiers and rate table. Production and loss reports come in monthly, in each carrier's own layout. Without tracking the book against those terms, agencies often learn what they earned when the payment arrives.
On track for the base rate, $36,000 short of the bonus.
In this fictional agreement, a 1% growth bonus applies once eligible written premium reaches 110% of the prior year. The agency is at 107% with four months left. These are sample terms, not market rates.
Harbor Mutual contingencyPrepared for review
Conversation with Navi
You
NaviWhere do we stand on the Harbor Mutual contingency this year?
The growth bonus is within reach.
$36,000Eligible premium needed for the 110% tier
$36,000 more eligible premium by year end adds the 1% growth bonus.
Contingency position · Aug 2026Prepared for professional review
Comparison
ILLUSTRATIVE RECORDS
Contingency position · Aug 2026
Eligible written premium
Year to date$1,284,000
Agreement$1,000,000 minimum
Loss ratio
Year to date44.2%
Agreement60% maximum
Growth on 2025
Year to date107%
AgreementBelow 110% tier
Estimated commission
Year to date$25,680
Agreement2% base rate
Source excerpt2026 agency agreement · Exhibit A
An additional 1% applies where eligible written premium is at least 110% of the prior year.
How the work gets done
01
Read the agreements
Extract each carrier's eligibility rules, rate tables, growth tiers, multipliers and payment timing from the agreement and its exhibits. Every rule links back to the clause it came from.
02
Track the monthly results
Bring in carrier production and loss reports as they arrive. Navi maps written and earned premium, losses and policy counts by line, and flags months that are missing or do not reconcile.
03
Estimate and plan
Calculate eligibility and the estimated commission for each carrier. Show the gap to the next premium or growth tier, then review the estimate before sharing it with producers or finance.
A contingent commission tracker for every carrier.
Year-to-date position
Written premium, loss ratio and growth against each threshold, with a month-by-month trajectory.
Estimate and next tier
The expected commission, the premium or loss-ratio movement needed for the next tier, and any data gaps.
Know where you stand while there is still time to act.
A current estimate for each carrier shows which agreements are on track and which are close to a threshold. Producers can see where the next tier is within reach, and finance can plan for the payment instead of waiting for the statement.
An estimate until the carrier pays.
The carrier calculates the final contingent commission from its own year-end figures. The tracker gives your team an early, sourced view, and differences at settlement become specific questions.
- Confirm the current agreement year and any amendments.
- Check that every month's production and loss report is present.
- Compare the carrier's statement with the estimate before closing the year.
Configure it around your team.
During implementation, we agree the documents, rules and outputs this workflow needs.
- The carriers and agreement years you want to track
- Your production and loss report formats by carrier
- The dashboard, producer view and reporting cadence your team uses
Part of Workflows: per-seat access, unlimited runs, medium-complexity extraction and a hard limit of 500 pages per run.
Explore Workflows →Bring one carrier agreement and a few months of reports.
We'll start with the task your team handles, demonstrate how Navi prepares the work and discuss a custom demo you can test.