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CPA SERVICES FOR INDEPENDENT INSURANCE AGENCY OWNERS - Vesely CPA

Accounting and Tax Strategy for Independent Insurance Agency Owners

Get accurate monthly financials, proactive tax planning, and year-round guidance from a CPA with the CPCU designation who understands how insurance agencies operate.

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SEE 4 COSTLY TAX MISTAKES

Is Traditional Tax & Accounting Costing Your Insurance Agency Thousands?

When your accountant only reports the numbers and files the return, you're left to make tax, cash flow, and growth decisions on your own.

Clean books and a correctly filed tax return are the baseline. Proactive planning helps you find tax savings, understand what your numbers are telling you, and make better decisions for your agency.

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Six Places Insurance Agencies Lose Money

Reactive accounting doesn't just miss opportunities. In an agency it shows up in six specific places, at tax time and at exit time.

Overpaying Taxes

Owner compensation set by habit, an entity structure nobody has revisited, retirement plans not optimized.

Commission Chaos

Carrier statements flow into one revenue line. Without carrier-level reconciliation, your real margins stay hidden.

Carrier Concentration

If too much revenue sits with one carrier, a change in appetite, territory, or access to that market can hit your business before you can react.

The Producer Bet

Without a producer model for ramp time, comp, and break-even production, growth can drain cash before it creates profit.

Books vs. Reality

Your agency management system says one thing and your books say another. If they don’t match, you can’t trust the numbers.

Exit Value at Risk

Messy books, owner expenses, and unclear margins can weaken valuation and slow due diligence.

Get the Strategic CPA Partnership Your Agency Deserves

INSURANCE INDUSTRY EXPERTISE

Vesely CPA understands how carrier commissions, producer compensation, billing activity, payroll, expenses, and owner taxes shape your agency’s financial picture.

As your year-round advocate, we help you build a more valuable book of business.

WHO YOU'LL WORK WITH

Meet Ondrej Vesely, CPA, CPCU

Ondrej Vesely is a CPA and Chartered Property Casualty Underwriter (CPCU) with more than 22 years of tax and accounting experience in the insurance industry. He founded Vesely CPA to provide proactive, year-round guidance beyond traditional compliance services.

Agency owners work directly with a CPA who understands both their financials and how their business operates.

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Credentials & Affiliations
PIA Minnesota
Strategic Benefits

Transform Your Agency with a CPA Who Knows the Business

Six advantages that turn your back office from overhead into an edge: lower taxes, cleaner books, and an agency worth more when it counts.

Tax Strategy, Not Autopilot

Owner comp, entity structure, and retirement plans reviewed and tuned every year instead of rolling forward untouched.

Carrier-Level Books

Match carrier statements to your books so commissions, adjustments, and bonuses are recorded correctly and nothing gets lost.

Concentration You Can See

Revenue and contingent income measured by carrier, so a change lands as a number you already planned for.

Model the Hire

Build a producer model for ramp time, compensation, break-even production, and when each hire should become profitable.

Books That Match Your AMS

A monthly close that ties your books to your agency management system, so both tell the same story.

Exit-Ready Books

Document sustainable profit and normalize owner expenses so buyers and lenders can see the agency’s true earnings and support the valuation.

our process

Getting Started is Easy

Our process isn't guesswork—it's designed to make your financial life painless in 3 simple steps.

Free Discovery Call

A short, friendly call to discuss your agency, concerns, goals, and if we are the right fit.

No pressure. No commitment.

Free Discovery Call

Meet with
Your CPA

A comprehensive analysis of your agency's tax and financial picture turned into a custom roadmap and a plan of action.

Experience Control

Our integrated accounting and tax services give you confidence while driving long-term growth.

Serving Independent Insurance Agencies Nationwide

Based in Minnesota, we work remotely with independent insurance agency owners seeking proactive tax planning, accurate financial reporting, and responsive year-round guidance.

Independent P&C agencies

Personal lines agencies

Family and second-generation agencies

Commercial lines agencies

Agency network members

Agencies planning perpetuation

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Questions Insurance Agency Owners Often Ask

Learn how we work with independent agencies, existing bookkeepers, accounting platforms, billing arrangements, and year-round tax planning.

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Who do you work with?

We work best with established independent insurance agencies and brokerages, from solo agency owners to firms with employees, that want reliable financial reporting, proactive tax guidance, and year-round support.

Do you work with captive insurance agents?

Our primary focus is independent insurance agencies and brokerages.

We may also work with captive or exclusive agency owners who operate an established business, maintain business accounting records, and need ongoing accounting and tax support.

Do you work with both direct-bill and agency-bill agencies?

Yes. Some agencies receive most of their revenue through direct-bill carrier commissions, while others also handle agency-billed premiums, receivables, and carrier payables.

During the initial review, we identify how funds move through your agency and determine the appropriate accounting scope and level of support.

Do you replace our current bookkeeper?

Not necessarily.

We can provide monthly bookkeeping or work with an internal or outside bookkeeper while providing accounting oversight, financial reporting, tax planning, and advisory support.

The right arrangement depends on your current staff, systems, transaction volume, and the quality of the existing records.

Can you help with commission accounting?

We can review how carrier statements, deposits, commission income, fees, bonuses, and producer compensation reach the accounting records and help improve the related accounting process.

The appropriate scope depends on your agency management system, billing model, transaction volume, and reporting needs.

Can you work with our agency management system?

We can work with reports and information produced by your existing agency management system and accounting platform.

During onboarding, we evaluate how information flows between the systems and identify gaps, duplicate work, or areas where the accounting process can be improved.

Can you help with an acquisition or agency transition?

We can assist with financial review, cash-flow modeling, accounting integration, entity considerations, and tax planning related to an acquisition or transition.

Most transactions require a valuation specialist, attorney, lender, or other professional.

Do you work with agencies in my state?

Yes. We are based in Minnesota and provide remote accounting, tax, and advisory services to agency owners in other states.

How does onboarding work?

We begin by understanding your agency’s billing, commission, payroll, accounting, and tax processes.

We then connect the necessary accounts, review the chart of accounts, address cleanup or catch-up work, establish responsibilities, and create a consistent monthly close and communication schedule.

Are you accepting new clients?

Yes, we are accepting new clients at this time.

Customer Testimonials

Hear it directly from our clients!

“I highly recommend Ondrej for his expertise, dedication, and consistent support.”
Kris W
“Easy to work with, responsive - no surprises.”
Chris L
“What really makes Ondrej stand out is his genuine care and responsiveness. He’s always there when you need answers, always honest and transparent, and always on your side.”
Steve K
“You can count on Ondrej to follow through, communicate clearly, and always act with integrity.”
Eric M
“I really appreciated the time and care Ondrej took to understand our business situation. Highly recommend!”
Lee V
“Ondrej has a unique ability to simplify complex financial matters and is truly passionate about helping clients succeed.”
Peter M

Let's Talk About Your Agency

No pressure, no obligation, no judgment. Just a focused conversation about your agency and whether we can help.

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