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. Vertafore AMS360
At a glance
At a glance
Best for
Best for growing independent agencies that write personal and commercial lines and need agency accounting with a general ledger.
Cataleo does not name a winner. Both statements come from the vendors themselves.
Full Comparison
| Criterion | Applied Epic | Vertafore AMS360 |
|---|---|---|
| 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 | Open API and third-party integrations |
| 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 | Policy history, coverage and policy templates, policy management workflows, policy compare, declaration pages and document management, as listed in a 2022 Vertafore datasheet |
| 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 | Personal and commercial lines workflows |
| 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 | Vertafore lists rating as separate products, PL Rating and Commercial Submissions |
| Carrier downloads and connectivity | Download and data exchange with more than 700 carrier markets through Ivans | Carriers download new policies, endorsements, claims and renewals directly into the agency system |
| 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 | Renewal workflows to prioritise key clients, send proposals and mass-distribute certificates; AgencyZoom is offered as a separate sales product |
| 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 | Automated billing and invoicing, payment tracking and reconciliation, commission splits calculated automatically and shown in statements, and a general ledger |
| 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 | InsurLink client portal with 24/7 access to insurance information; certificates created, issued and managed in AgencyOne with real-time AMS360 data |
| 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 | Five permanent security groups with preset access to menus and tasks plus up to 95 custom groups, the option to restrict an employee to customer names only in search results, and an Audit Trail utility that shows who accessed a customer, policy or claim in a date range, exportable to Excel, which the vendor says provides information required by privacy laws |
| 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 | Reports by any time frame, financial reports on agency health and KPI analysis |
| 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 | Open API and third-party integrations, and connections to other Vertafore solutions and third-party tools through AgencyOne |
| AI features | Yes | Yes |
| Deployment | Browser-based | Not stated |
| Onboarding | Guided onboarding | Not stated |
| Company size | Small and mid-sized, Enterprise | Not stated |
| Integrations | Ivans, Employee Navigator | more entries AgencyZoom, InsurLink, AgencyOne, Microsoft Office |
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Adds a column to the table, from the tools in this category.
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
- API Applied Epic APIs that let other tools read and write client and policy data Vertafore AMS360 Open API and third-party integrations
- 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 Vertafore AMS360 Policy history, coverage and policy templates, policy management workflows, policy compare, declaration pages and document management, as listed in a 2022 Vertafore datasheet
- 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 Vertafore AMS360 Personal and commercial lines workflows
- 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 Vertafore AMS360 Vertafore lists rating as separate products, PL Rating and Commercial Submissions
- Carrier downloads and connectivity Applied Epic Download and data exchange with more than 700 carrier markets through Ivans Vertafore AMS360 Carriers download new policies, endorsements, claims and renewals directly into the agency system
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
Vertafore AMS360
Strengths
- Personal and commercial lines in one agency management system
- Commission splits calculated automatically and shown in statements
- Connects to other Vertafore products such as InsurLink through AgencyOne
Limitations
- Prices are not published
- The product page does not state whether AMS360 is cloud-hosted
Plans
Pricing
Applied Epic
- Applied Epic Not stated Prices are not published.
Vertafore AMS360
- AMS360 Not stated Prices are not published; Vertafore offers a demo on request.
What 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.
Vertafore AMS360
- 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
Vertafore AMS360 https://www.vertafore.com/products/agency-management-software/ams360 · checked against the official source on 2026-11-06
This table lists factual criteria taken from information the vendors publish themselves. For how we put it together, see the methodology.