Best for
Best for established independent agencies and brokers that write property and casualty and benefits business across several lines.
- Small and mid-sized
- Enterprise
Insurance Agency Software Comparison
Applied Epic vs. Menlo for Agents
At a glance
At a glance
Best for
Best for independent agents who want help placing risks with carriers as well as software to prepare and track each submission.
Cataleo does not name a winner. Both statements come from the vendors themselves.
Full Comparison
| Criterion | Applied Epic | Menlo for Agents |
|---|---|---|
| Users | Used by 81% of Business Insurance's 100 largest US brokers, according to the vendor | Not stated |
| API | APIs that let other tools read and write client and policy data | Not stated |
| Hosting | Used in the browser from any office | Not stated |
| Clients and policies | Issue, endorse, renew and cancel policies from one account, with AI policy checking that links differences to their source page | One file per risk holding the application, carrier quotes, client communications and quote documents |
| Lines of business and markets | Property and casualty and benefits, commercial and personal lines in the same system, with separate pages for benefits plan management and benefits quoting | Built for independent insurance agents in the United States. Lines of business are not listed; the carriers named by the vendor are ERGO Next, Hiscox, Chubb, AmTrust, Aegis and Neptune Flood |
| Comparative rating and quoting | Personal lines rating for auto, home and umbrella across the agency's markets, and commercial risks sent to market by comparative rating; a bound quote becomes the policy in force | One smart application per risk, mostly prefilled, goes to every carrier on the platform that writes the risk; the agent compares the available carrier terms and sees which questions remain outstanding |
| Carrier downloads and connectivity | Download and data exchange with more than 700 carrier markets through Ivans | Binding moves through the carrier's purchase handoff, with the placement documents kept together in the file |
| Sales pipeline and renewals | Risk profiles for accounts and prospects built from public sources, with coverage gaps and cross-sell opportunities shown before the renewal date, and marketing campaigns built from the book | Follow-up drafts that the agent reviews and sends, with each quote and follow-up kept on the file |
| Commissions and agency accounting | Agency bill and direct bill in one system, a general ledger mapped across operating and trust accounts, and earned, paid and outstanding commission by producer and by carrier | Not stated |
| Client portal and certificates | Service Portal (formerly Applied CSR24) and a branded iOS and Android app in which clients pull documents, pay online and request certificates; certificates are populated from the account | Not stated |
| Compliance records and audit trail | Premium receipts kept separate from operating funds, audit-ready bank reconciliation, GL detail and trust ledger reports, and postings blocked once a month or year is closed | Compliance records kept in the shared workflow, as listed by the vendor |
| Reports and exports | Role-based Pulse dashboards on current Epic data, charts emailed on a schedule and views exported to PDF, CSV or PNG, alongside Applied Epic Reports | Not stated |
| Integrations and API | APIs to read and write client and policy data, with developer portals for Epic and Ivans; Employee Navigator is named for benefits enrollment | Not stated |
| AI features | stated Yes | No |
| Deployment | Browser-based | Not stated |
| Onboarding | Guided onboarding | Not stated |
| Company size | Small and mid-sized, Enterprise | Not stated |
| Integrations | Ivans, Employee Navigator | Not stated |
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Row where the values differ The small markers point at the lower number, the longer list or the stated feature. They describe the data, they are not a verdict.
The short version
Key Differences
- AI features Applied Epic Yes Menlo for Agents No
- Clients and policies Applied Epic Issue, endorse, renew and cancel policies from one account, with AI policy checking that links differences to their source page Menlo for Agents One file per risk holding the application, carrier quotes, client communications and quote documents
- Lines of business and markets Applied Epic Property and casualty and benefits, commercial and personal lines in the same system, with separate pages for benefits plan management and benefits quoting Menlo for Agents Built for independent insurance agents in the United States. Lines of business are not listed; the carriers named by the vendor are ERGO Next, Hiscox, Chubb, AmTrust, Aegis and Neptune Flood
- Comparative rating and quoting Applied Epic Personal lines rating for auto, home and umbrella across the agency's markets, and commercial risks sent to market by comparative rating; a bound quote becomes the policy in force Menlo for Agents One smart application per risk, mostly prefilled, goes to every carrier on the platform that writes the risk; the agent compares the available carrier terms and sees which questions remain outstanding
- Carrier downloads and connectivity Applied Epic Download and data exchange with more than 700 carrier markets through Ivans Menlo for Agents Binding moves through the carrier's purchase handoff, with the placement documents kept together in the file
Every line is one datapoint from the table above, picked automatically. Nothing here is written text.
The trade-offs
Strengths and Limitations
Applied Epic
Strengths
- Commercial, personal and benefits lines in one system
- Carrier download and data exchange with more than 700 markets through Ivans
- Trust balances kept apart from operating funds, with closed periods locked against new postings
- Client Service Portal and a branded iOS and Android app for self-service
Limitations
- Prices are not published
- The product pages do not state the hosting model
Menlo for Agents
Strengths
- One prefilled application per risk, which the agent confirms instead of retyping
- A single submission reaches every carrier on the platform that writes the risk
- Back-office placement support from a licensed brokerage alongside the software
- Follow-up drafts for the agent to review and send
Limitations
- No prices published
- The page describes no commission accounting, client portal, reporting or integrations
- Lines of business are not listed on the page
Plans
Pricing
Applied Epic
- Applied Epic Not stated Prices are not published.
Menlo for Agents
Price on Request
Visit siteWhat users say
Review Scores · opens after launch
Applied Epic
- Ease of use
- Not rated yet
- User interface
- Not rated yet
- Onboarding
- Not rated yet
- Support and service
- Not rated yet
- Value for money
- Not rated yet
- Features
- Not rated yet
No reviews yet. Nothing has been published here yet, and no score is shown. How a review is checked before it appears is described below.
Menlo for Agents
- Ease of use
- Not rated yet
- User interface
- Not rated yet
- Onboarding
- Not rated yet
- Support and service
- Not rated yet
- Value for money
- Not rated yet
- Features
- Not rated yet
No reviews yet. Nothing has been published here yet, and no score is shown. How a review is checked before it appears is described below.
How we check reviews
Before sending, the author has to confirm three things: that they have used the product themselves, that they work neither for the vendor nor for a competitor, and that nobody is paying them for the review. We also ask whether the vendor invited them to write it. That answer is required, either answer is accepted, and it stays with the review.
Every review is read by a person before it appears. An email address is required and is confirmed: we send a link to it, and a review does not reach us until the author opens that link, so a review has a sender who was reachable at least once rather than being anonymous. Where what somebody writes needs backing, we ask them for evidence that they used the product, and a review that does not get it is not published. We publish positive and negative reviews alike, we pay nothing and offer nothing for a review, and we accept none that was bought or incentivised.
What we cannot do is verify a purchase. There is no shop here and no account, so whether the author really used the tool rests on their own declaration, on whatever we ask them for, and on the plausibility of what they write. We say so rather than implying a check that does not exist.
A vendor cannot buy a review, and cannot have one removed or changed because they dislike it. We remove or edit a review only if it breaks our rules or the law, for example a false statement of fact. Paid placement has no effect on which reviews appear or on any score.
Where this comes from
Where this comes from
Applied Epic https://www1.appliedsystems.com/en-us/platform/applied-epic/ · checked against the official source on 2026-11-06
Menlo for Agents https://www.menloinsurance.com/for-agents · checked against the official source on 2026-11-05
This table lists factual criteria taken from information the vendors publish themselves. For how we put it together, see the methodology.