Cash Management.

Let us solve your unallocated cash headache.

Unallocated Cash in Insurance – addressing the problem

Unallocated cash, uncorrelated cash, unmatched cash, unreconciled cash… whatever you call it, it most definitely exists, and for many underwriters, reinsurers and brokers, it is a complicated and often long-standing, challenging issue.

The problems created by unallocated cash in insurance accounting are far reaching and can impact all areas of your business. Managing unallocated cash is therefore not only an objective for a sound business, but a compliance requirement too.

The risks that come with unallocated cash include:


  • Reporting inaccuracy – no matter what consequences arise from reporting inaccuracy, none of them are going to be positive
  • Issues with regulatory compliance – cash should be routinely documented and allocated
  • High volumes of unallocated cash – a red flag to auditors
  • Overstated liabilities and/or debts
  • Inaccurate reporting of aged and bad debt


  • Unallocated cash means that you will simply have funds that aren’t being used fully
  • Cash write-offs – which have a direct impact on profit
  • Heightened risk of making duplicate payments
  • Inability to identify funding
  • Ineffective credit control – which means you are unable to identify and chase unpaid balances
  • Over- or under-stated bad debt provisions


  • Confidence in your business – perception of financial integrity can be impacted by unallocated cash issues
  • Requesting refunds for duplicate payments – or chasing for funds that have already been settled – highlights cash management inefficiencies to clients
  • Late settlement of liabilities because funds have been misallocated – this can impact future relationships

Download our ultimate guide to unallocated cash in insurance.

In our eBook, we aim to give you a simple and practical project guide in addressing unallocated cash. The guide is easy to follow and, in addition to clearing historic unallocated cash by tackling root causes, it will prevent the build-up of unallocated cash going forward.

Find out more

Insights into how we resolve unallocated cash issues.

The following client scenarios give an overview of the types of processes we use and the benefits to our clients.

Unallocated cash underwriter scenarios.

Download scenarios 1 and 2 to see how Pro Insurance Solutions helped clients to unravel many years of data processed incorrectly or not processed, and support reconciliation to resolve the variances between cash and technical accounting.

Download scenarios 1 and 2

Broker related solutions.

In scenarios 3 and 4  we cover how a client who had set up its own broking arm to handle the placement of certain elements of their underwriting portfolio, lacked much of the infrastructure, expertise and experience that a traditional Lloyd’s broker can provide. Pro was therefore appointed to provide ongoing expert resource for certain functions and offer solutions to quantify and resolve historic problems.

Download scenarios 3 and 4

Ready to have a conversation?

Book your complimentary strategy session to resolve unallocated cash.
The session covers:
1. Diagnose
Analysing existing approaches to identify the root-cause of your unallocated cash problem.
2. Resource
Review current resourcing and identify what’s needed to proactively manage unallocated cash.
3. Resolve
Build a bespoke blueprint to help you resolve your unallocated cash backlog and proactively manage it into the future.

Contact us

Who we work with.

  • Insurers.

  • MGAs.

  • Professional Advisors.

We are a trusted partner, with a proven record of enabling Insurers, Reinsurers, Brokers, MGAs and Professional Advisors make informed decisions time after time.

Global locations.

We partner with clients around the world, acting for them across multiple markets, cultures and territories.

United Kingdom


United States


Continental Europe


Latin America


We are Pro.


We’re able to see things through the eyes of our clients, thanks to strong working relationships, which allow us to take a proactive view of your specific market.


We operate a highly flexible resourcing model, providing support to some of the most forward-thinking insurers and brokers.


We’ve been successfully supporting the insurance industry for more than 30 years, with expertise and experience of working across multiple markets and geographies.

Professional delivery every time

We provide bespoke solutions to the unique challenges faced by insurance market players. Our focus is your bottom line. We understand the issues that can affect the profitability of your business.

Underwriting Services

We can boost your levels of agility and adaptability at a time of unprecedented industry change.


Financial & Technical Accounting

With a flexible solution that can be tailored to your specific needs, we act as an extension of your business.


Claims Management

Extend your expertise and free up your specialists by outsourcing all, or part of, your claims management.


Risk & Audit

Pro can help you stay compliant, while protecting your reputation and guaranteeing that your customers are treated fairly.