Small Business CRM for Insurance Agents: Policy & Commission Tracker

Manage leads, clients, policies, renewals and commissions in one small business CRM built for insurance agents. Track your book of business and follow-ups in Excel or Google Sheets—without paying for a monthly CRM subscription.

Most client trackers are a single list. This is a connected agent spreadsheet: add a policy and your client's coverage map, premium, commission, renewal alerts, cross-sell flags and dashboard all update at once. No macros, no logins, no monthly fee — you own the file.

WHY AGENTS KEEP IT OPEN
· X-dates that cannot sneak past — every expiration grouped into overdue, 30, 60 and 90-day windows, with the premium and commission at risk in each. The renewal tracker and X-date tracker most agencies improvise, done properly.
· A commission tracker that works by line — each policy's commission is premium × your rate for its line, New versus Renewal, straight from your Setup table. A one-off rate? Type it in the yellow override column and it wins for that policy.
· Round-out revenue you already own — the cross-sell tab lists every single-line client and exactly which lines they are missing, with Life and Umbrella flagged as the high-value round-outs.
· A sales tracker with honest numbers — leads and quotes in the pipeline are valued at their stage's real probability, so your forecast is grounded.
· One dashboard — twelve headline numbers and a premium-by-line chart, all live.

THE TEN TABS
· START HERE — a short setup path, not a wall of instructions.
· SETUP — your agency details and the commission rate table (New % / Renewal % per line) the whole file reads from.
· CLIENTS — your book of business, one row per client, with a checkmark coverage map for each line they hold and a round-out flag on single-line clients.
· POLICIES — every policy, with commission worked out automatically and X-date renewal flags.
· RENEWALS — expirations grouped into overdue / 30 / 60 / 90-day windows, with premium and commission at risk.
· PIPELINE — leads and quotes, weighted by stage probability.
· CROSS-SELL — single-line clients and the exact lines they are missing.
· TASKS — every call, quote and follow-up, with automatic overdue flags.
· COMMISSIONS — in-force and new-business earnings, broken down by line.
· DASHBOARD — twelve headline numbers and the premium-by-line chart.

CAPACITY
Built for hundreds of clients and policies, with every running total engineered to stay fast in Google Sheets as the sheets fill up.

WHAT YOU RECEIVE (one ZIP, instant download)
· InsuranceAgentCRM.xlsx — the full system, all 10 tabs
· A filled sample workbook — a fictional book of business to explore before adding your own
· User Guide (PDF) — plain English, written for agents
· Google Sheets Instructions (PDF) — a 30-second import, step by step
· Licence (PDF) — single-business licence in plain language
· Setup Tutorial (MP4) — a short silent screen walkthrough
· START-HERE.txt — open this first

COMPATIBILITY
Microsoft Excel 2016 or newer and Microsoft 365, on Mac and PC, plus Google Sheets — a 30-second import; the included instructions PDF walks you through it. No macros, so nothing to enable and no security warnings. No subscription, nothing to install.

THE COLOUR RULE
Light blue = you type here. White or grey = calculated, leave it alone. Yellow = optional override. Sheets are protected with a blank password so a stray click cannot wipe a formula — unprotect any tab (no password) to edit freely.

PAIRS WITH
If you keep your own agency's books too, the Small Business Bookkeeping Spreadsheet in this shop handles profit, cash flow and expenses with the same colour rules — an insurance planner's back office in one more file.

FAQ
Q: Do I need to be technical?
A: No. If you can type a name and pick from a dropdown, you can run your whole book from this file.
Q: Will it work in Google Sheets?
A: Yes — built without macros, and a step-by-step import PDF is included.
Q: Can I change the commission rates and lines of business?
A: Yes. The rate table and every dropdown list are yours to edit on the SETUP tab.
Q: How many clients and policies can it hold?
A: Hundreds of each, with room to extend — the running totals are engineered to stay fast as the file fills.
Q: Is the example data real?
A: No. Every client, policy and figure in the sample book is fictional, created to demonstrate the system.
Q: Can I edit the tabs and formulas?
A: Yes. The sheets are protected with a blank password so nothing breaks by accident — unprotect any tab and edit freely.

SUPPORT
If a file won't open or a formula misbehaves, message me here on Etsy and I'll fix it or replace the file. I read and answer every message myself.

GOOD TO KNOW
This spreadsheet is a record-keeping and planning tool. It does not provide financial, tax, legal or investment advice.
It is not insurance or compliance advice either — commission figures depend on the rates you enter, so check your own figures and your state's requirements.
All numbers shown in the images are from a fictional sample business used for demonstration.
Designed and built by me with AI assistance, then tested against independently computed check-numbers before listing.

Microsoft, Excel and Microsoft 365 are trademarks of Microsoft Corporation. Google Sheets is a trademark of Google LLC. This product is an independent template and is not affiliated with, endorsed by, or sponsored by these companies.