Applied epic

Applied Epic is the most widely used insurance agency management system (AMS) in the world, developed by Applied Systems for growth-minded independent insurance agencies of all sizes. The cloud-based platform serves as the operational backbone of an insurance agency, managing the entire policy lifecycle from prospecting and quoting through binding, servicing, renewal, and accounting. Applied Epic handles both property and casualty (P&C) and employee benefits lines of business within a single unified platform, giving agencies a complete 360-degree view of their clients and operations across all locations and roles.

What makes Applied Epic the industry standard for mid-size and enterprise insurance agencies is its depth of insurance-specific functionality combined with extensive carrier connectivity. Unlike generic CRM or business management tools, Applied Epic is purpose-built for insurance workflows — it includes embedded personal lines and commercial lines rating, direct carrier connectivity through Ivans for real-time policy data exchange, insurance-specific accounting with trust and commission management, and compliance tools designed for insurance regulatory requirements. The platform supports APIs and third-party integrations, allowing agencies to build a customized tech stack while keeping Applied Epic as the central system of record. Over 50 of the largest independent agencies in the US are standardized on Applied Epic.

Key Features: Unified management of property and casualty and employee benefits books of business within a single platform for a complete view of every client relationship, embedded personal lines comparative rating through Epic Quotes for real-time multi-carrier quoting without leaving the management system, commercial lines submission and quoting tools for streamlined appetite checking and market access directly within the AMS, integrated sales automation with pipeline management and opportunity tracking and renewal forecasting directly within the platform eliminating the need for separate CRM software, insurance-specific accounting with trust accounting and commission tracking and reconciliation and financial reporting built for agency operations, Applied Recon AI-powered reconciliation tool that automatically extracts and matches carrier statement transactions for faster and more accurate accounting, real-time carrier connectivity through Ivans for policy download and eDocs and messages and claims data exchange with hundreds of insurance carriers, role-based dashboards that present relevant information for each job function in easy-to-understand visual formats with drill-down capabilities, policy lifecycle management with real-time access to policy information at each stage including endorsements renewals and claims, workflow automation with data prefill and attachment previews and automatic email summaries to streamline daily tasks and reduce manual entry, certificate of insurance issuance and tracking for commercial clients, customizable platform configuration including client and user permissions and branch hierarchies and group structures, mobile browser-based access for managing agency operations from anywhere on any device, API access for custom integrations with third-party applications and internal systems, and comprehensive reporting and analytics for agency performance and producer productivity and book of business analysis.

Pricing: Applied Epic does not publicly disclose pricing and operates on a custom quote basis depending on agency size, number of users, and required modules. Based on industry reports, pricing typically ranges from approximately $100 to $300 or more per user per month, with implementation and onboarding fees that can range from several thousand to tens of thousands of dollars depending on the scope of deployment. Enterprise agencies with hundreds of users negotiate custom contracts. Applied Systems offers demos and consultations to provide tailored pricing based on specific agency needs. The platform is sold as a subscription with updates and support included.

Use Cases: Mid-size and large independent insurance agencies that need a comprehensive management system to handle both P&C and benefits operations across multiple locations with unified reporting, insurance agencies that want to eliminate data silos by consolidating prospecting and quoting and servicing and accounting and reporting into one connected platform, growing agencies that are acquiring other agencies and need a scalable platform that can standardize operations across newly merged teams and offices, insurance agencies that rely heavily on carrier connectivity and need real-time policy download and eDocs and claims data integration with hundreds of carriers through Ivans, insurance brokerage firms that need robust commercial lines submission tools and market access capabilities to efficiently place complex commercial risks, and agency principals and managers who want role-based analytics dashboards to monitor producer performance and pipeline health and operational efficiency without running manual reports.