How do I do this without doing a manual formula each time?

Columns A-O is the information that is dumped into Excel from our accounting program. Column Q & R is formulas that I have already put in.

What I need is:
In column S, if the Balance is less than the Insurable Amt, then the Balance would go in column S next to the Balance Amt that is there. If the Balance is more than the Insurable Amt, then the Insurable Amt would go in column S next to the Balance Amt.

In column T, if the Balance is less than the Insurable Amt, then 0 would go in column T. If the Balance is more than the Insurable Amt, then the ABS of Balance - Insurable Amt would go in column T.

I could do this if there was the same number of lines between the insurable amt and balance, but each customer is different, so I have no idea.

TIA

No, this doesn't help me at all that I can see. You added a column (A) and put a formula in there, but how does that help me with the insurable amount and uninsurable amount?

Is this acceptable?

Uses same-row, non-blank column Q cell to trigger IF[value_if_true]; blank if else.
[value_if_true] uses same-row column O cell as reference for OFFSET.
OFFSET[rows] uses MATCH to find the number of rows to the next blank column O cell (within the next 21 row range as written; increase if necessary).... then -1 for the cell immediately above that next blank cell.

Thank you for the explanation!