Small business solution
Retain & grow your small books of business with Patra's solution
See This Overview
0K+
Policies under
active management
active management
$0M+
Managed
commission revenue
commission revenue
0%+
Average
revenue retention
revenue retention
2–0x
Faster than typical
agency benchmarks
agency benchmarks
0+
Average years of industry experience on team
The Unspoken Reality
Why small accounts drain agency profit
Cost to serve, per account
$
900
account
Cost to serve consumes ~90% of revenue.
$
9,000
account
Nearly the same cost — a fraction of the revenue.
Same effort. 10× the drag on margin.
Small accounts have always strained agency economics. An account generating $900 in revenue costs nearly as much to service as one generating $9,000 yet most agencies staff, process, and support both the same way. The result is a book that quietly bleeds margin year after year.
In a soft market, this drag is exposed. As rate-driven commission growth fades, every point of margin matters, and the small-accounts book the hard market once subsidized becomes a cost your team can no longer afford to carry.
The Possibility
Turn your small-accounts book into a profit center
Leverage our AI-powered service to change the economics of your small accounts. With our licensed professionals powered by our agentic AI platform, the same book that loses money inside your agency makes money inside ours, guaranteed.
We integrate seamlessly with your operations, combining our proven service delivery model with your agency’s approach, shared technology, and our purpose-built agentic AI platform. The model flexes across commercial lines, personal lines, and employee benefits, and manages both standard and non-standard business. Because the service is fully white-labeled, your insureds experience your brand – Patra stays invisible to them – while your team is free to focus on the relationships and new business that drive growth.
The Benefits
What you keep and what you gain
We protect what makes your agency valuable while improving the economics of the work.
01
A guaranteed return
We convert a book most agencies lose money on into a measurable margin contributor, a guaranteed return on commission through stronger margins, higher retention, and improved client satisfaction.
02
Retain your Broker of Record (BOR)
You keep your BOR status, safeguarding the client relationships and revenue streams your agency is built on.
03
Your best people, freed
Reallocate staff away from low-value transactional work and toward growth, key accounts, client relationship management, and new business without adding headcount.
04
Contingency bonus retainment
Keep your contingency bonuses while we run the day-to-day account servicing.
05
Scalable growth
Absorb a growing book of small business while maintaining strong carrier relationships and protecting service quality.
The Proof
Why agencies trust Patra for account management
Patra is a leading private manager of small-market business in the United States, and the model below is why.
Relationship-based, not pooled
Dedicated, US-licensed account managers own each book. Your insured calls one person, not a rotating pool, maintaining the one-to-one relationships the industry was built on.
Insurance expertise at scale
190+ US-licensed professionals support commercial lines, personal lines, and employee benefits across all 50 states, with an average of over 15 years of industry experience and specialists certified in niche segments.
Built over two decades
A managed model and global delivery infrastructure refined over twenty years, proven capability you can buy but cannot quickly build.
Technology that makes the economics work
An agentic AI platform for insurance absorbs the transactional volume that makes small accounts uneconomical to service by hand, so licensed experts can focus on relationships and judgment.
Accountability where risk matters
E&O coverage and shared risk models aren’t just features. They are our commitment to delivering outcomes made contractual.
Client Outcome
0%
One client moved their small-accounts book from -7% EBITDA to the mid-teens in under two years.
Is the small-accounts book slowing your agency down?
We relieve the staffing and overhead burden with a dedicated team that manages policy renewals, endorsements, and client communications, so your internal team can focus on high-value growth.
How It Works
A seamless extension of your team
We work through your branded telephone greetings and email domains, so service feels native to your agency. Secondary and tertiary staff back dedicated account managers to cover vacations, PTO, and emergencies, ensuring uninterrupted customer service.
Your Patra account management team is tailored to your agency: they train on your procedure manual and LMS, follow SOPs built around industry best practices, join your internal distribution groups and carrier calls, and are credentialed on your carrier and premium-financing systems. A dedicated structure spanning operations, service, and compliance and guided by experienced leadership ensures focused attention from onboarding through ongoing management.
Accountability, Without Exception
Your data, protected
Patra runs on a platform built from the ground up for the security and confidentiality the insurance industry demands.
Certifications
SOC 2 Type 2 and ISO/IEC 27001:2022 certified.
End-to-end security
Secure connections between remote and on-premise systems.
Network security
Employee functionality is restricted to the Patra environment.
Advanced security tooling
Includes VPN with AES-256 encryption, single sign-on, and more.
Data protection
Data-loss prevention and encrypted drives keep your data secure.
Frequently asked questions
Answers for agency leaders
Patra’s managed account management service helps agencies turn their small-accounts book from a margin drain into a profit center. It integrates with your operations and combines dedicated US-licensed account managers, an agentic AI-platform, and global delivery scale to service commercial lines, personal lines, and employee benefits, so you keep your Broker of Record while your insureds keep experiencing your brand. All backed by Patra’s E&O coverage on the work we do.
Small accounts strain agency unit economics. An account generating $500 in managed revenue can't support the same service load as one generating $5,000 yet most agencies apply the same staffing model, processes, and overhead to both. Servicing a small account costs nearly as much as a large one but returns a fraction of the revenue, so the small-accounts book quietly bleeds margin year after year. During hard markets, premium-driven commission growth masks the problem. When that growth fades, the true cost of the book is exposed which is why the issue draws fresh scrutiny in a soft market.
The economics change because of the model. Dedicated, US-licensed account managers are supported by AI-enabled workflows and global delivery scale that absorb the transactional volume that makes small accounts uneconomical to service by hand. That efficiency is what lets Patra deliver a guaranteed return on a book most agencies lose money on. One client moved from –7% EBITDA to the mid-teens in under two years.
No. Patra’s service is fully white-labeled. Your account team works through your branded phone greetings and email domains, so your insureds experience seamless service under your brand. Patra stays invisible to them.
Patra’s small account management lets agencies absorb a growing book of small business while maintaining carrier relationships and protecting service quality. Real-time quoting for standard and non-standard business and a scalable team structure mean you can grow without the staffing constraints that limit in-house servicing.
Patra is SOC 2 Type 2 and ISO/IEC 27001:2022 certified, with end-to-end encryption, restricted employee environments, VPN with AES-256 encryption, single sign-on, data-loss prevention, and encrypted drives.
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Contact Patra
Ready to make your small accounts profitable?
We protect your Broker of Record, your contingency bonuses, and your client relationships while turning the book into a guaranteed margin contributor.