Run your broker and agency distribution network in one place
Recruit agencies, sub-brokers, and producers, split first-year and renewal commission down the chain with upline overrides, and pay everyone from one auditable ledger — each partner scoped to only their own book. Built for policies and renewals, not one-off sales.
Brokers · Agencies · Sub-brokers · Producers · IARs · Introducers
Every seat in your distribution chain
A broker network rarely runs on one partner type. PartnerOS handles agencies, sub-brokers, producers, and introducers in the same chain — each with its own appointments, split, and override rules.
Brokers
Independent brokers who place cover across multiple carriers and own the client relationship, earning first-year and renewal commission on every policy they bind.
Agencies
Agencies that hold carrier appointments and recruit a downline of producers, taking an override on all the business their producers write.
Sub-brokers & producers
Licensed producers writing under an agency's appointments, earning a split of first-year and trail on the policies they sell.
Introducers & IARs
Introducing brokers and investment-adviser reps who refer clients for a referral fee or override, without holding the carrier contract themselves.
Speak policies, not generic
PartnerOS ships a small set of generic objects. Map them to how a distribution business actually talks — policies, first-year splits, broker portals — with no forked codebase.
Carrier down to the producer
Model the chain the way it really works: the carrier or principal at the top, agencies holding the appointments beneath it, and sub-brokers and producers at the leaves. Business rolls up the tree, upline agencies earn an override on every downline policy, and each level sees only its own book.
- ✓Carrier / principal → agency → sub-broker / producer, as deep as you need
- ✓Override commissions roll up each branch of the chain
- ✓Every producer scoped to its own book, enforced server-side
First-year, renewals, and overrides — split cleanly
Configure the way commission flows down the chain: a first-year rate, a lower renewal or trail rate, an override to the upline agency, a different split per product line, and a clawback when a policy lapses inside the chargeback window. Every entry accrues to an append-only ledger you can audit to the cent.
- ✓First-year commission and renewal / trail rate, per product line
- ✓Upline override on every producer's book
- ✓Clawback on lapse or NTU inside the chargeback window
- ✓Append-only ledger in integer minor units — reconciles to carrier statements
From application to in-force, on one book
The same surfaces that run a channel program run a distribution network. Register applications on a board, keep every appointment and E&O in one vault, and give each agency its own branded portal.
Track every application from quote to bound
Producers register applications from their portal; your team runs them on a shared, configurable board — quoted, submitted, underwriting, bound. A producer only ever sees their own book, enforced in the data layer, not the UI.
- ✓Configurable stages — quoted → submitted → underwriting → bound
- ✓Applications register straight from the broker portal
- ✓Strict per-producer book isolation, server-side
Every appointment and E&O in one library
Keep carrier appointments, agent agreements, E&O certificates, and licences in a foldered library. Track signature and expiry, flag anything lapsing, and start a renewal playbook before an appointment goes stale — with payout figures kept out of every template.
- ✓Appointments, agent agreements, E&O, and producer licences
- ✓Signature and expiry tracking with lapse alerts
- ✓No commission figures in any document template
Give every agency its own branded home
Each agency and producer works from a white-label portal on its own domain — their book of business, first-year and renewal commissions, and the latest carrier materials — resolved only for verified hosts, so branding never widens access.
White-label portalsAccurate money, clean compliance
Every commission entry is audited
Each first-year accrual, renewal, override, and clawback is an append-only ledger entry with an actor, timestamp, and reason — reconcilable to the carrier statement, to the cent.
Money never touches a legal template
First-year rates, renewal splits, and overrides live in commission rules and the ledger — never in an appointment or agent-agreement template, so a signed document can't leak or contradict what a producer is actually paid.
The ledger is the source of truth
Producer payouts and carrier reconciliation read from the same append-only ledger — one number and one audit trail, whether you're paying a sub-broker or answering a compliance review.
What a distribution book on PartnerOS returns
Ready to run your partner program in one place?
Book a walkthrough and see recruitment, PRM, automation, payouts, CX, and dashboards working together — on one platform.