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 Sagitta
At a glance
At a glance
Best for
Best for large independent agencies and brokerages that run several offices, divisions or entities and grow through acquisitions.
- Enterprise
Cataleo does not name a winner. Both statements come from the vendors themselves.
Full Comparison
| Criterion | Applied Epic | Vertafore Sagitta |
|---|---|---|
| Users | Used by 81% of Business Insurance's 100 largest US brokers, according to the vendor | Large independent insurance agencies and brokerages with multiple offices, divisions or entities, and agencies serving niche markets and specialty lines |
| API | APIs that let other tools read and write client and policy data | Open, API-first architecture with third-party integrations |
| Hosting | Used in the browser from any office | AWS cloud infrastructure, as stated by the vendor |
| Clients and policies | Issue, endorse, renew and cancel policies from one account, with AI policy checking that links differences to their source page | Policy administration and client servicing with centralised client, policy and accounting data, user-defined quick-entry fields, preferred navigation, grid displays and forms |
| 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 multi-division agencies, specialty lines and niche markets; BenefitPoint is offered as a separate product for benefits business |
| 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 quoting as separate products that integrate with Sagitta, such as Commercial Submissions for commercial quotes |
| Carrier downloads and connectivity | Download and data exchange with more than 700 carrier markets through Ivans | Company Download imports carrier transactions into Sagitta, including renewals and Mobile Home (MHOME) updates, and a policy flag lets a downloaded renewal renew a remarketed policy without changing its remarket status |
| 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 | An Expiring Policies widget lists past-due policies for the policy servicer in order of expiration date, filtered by days before expiration, and production credit fields can carry over on renewals, remarkets and rewrites |
| 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 | Multi-divisional accounting with interdivisional postings, flexible invoicing, automated direct bill reconciliation, detailed payables, agency bill installments and reconciliation |
| 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, offered as a separate Vertafore product, gives clients 24/7 access to their insurance information |
| 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 | Role-based permissions to grant or restrict access to sensitive information, and audit trails of login and user activity |
| 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 | Centralised client, policy, accounting and reporting data, with real-time reporting across divisions and locations |
| 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-first architecture connecting Sagitta to Vertafore solutions and third-party tools, and AgencyOne linking workflows, systems and data across the agency |
| AI features | Yes | Yes |
| Deployment | Browser-based | Not stated |
| Onboarding | Guided onboarding | Not stated |
| Company size | more entries Small and mid-sized, Enterprise | Enterprise |
| Integrations | Ivans, Employee Navigator | more entries AgencyOne, InsurLink, WorkSmart, BenefitPoint, RiskMatch, Proposal Builder, Commercial Submissions |
Add a tool
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
- Company size Applied Epic Small and mid-sized, Enterprise Vertafore Sagitta Enterprise
- Hosting Applied Epic Used in the browser from any office Vertafore Sagitta AWS cloud infrastructure, as stated by the vendor
- Users Applied Epic Used by 81% of Business Insurance's 100 largest US brokers, according to the vendor Vertafore Sagitta Large independent insurance agencies and brokerages with multiple offices, divisions or entities, and agencies serving niche markets and specialty lines
- API Applied Epic APIs that let other tools read and write client and policy data Vertafore Sagitta Open, API-first architecture with 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 Sagitta Policy administration and client servicing with centralised client, policy and accounting data, user-defined quick-entry fields, preferred navigation, grid displays and forms
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 Sagitta
Strengths
- Accounting across divisions and entities, with interdivisional postings and agency bill installments
- Automated direct bill reconciliation
- Role-based permissions and audit trails of login and user activity
- Configurable quick-entry fields, navigation and grid displays
Limitations
- Prices are not published
- Quoting, client portal and proposals are separate Vertafore products
- The product page does not describe a sales pipeline or renewal workflow
Plans
Pricing
Applied Epic
- Applied Epic Not stated Prices are not published.
Vertafore Sagitta
- Sagitta 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 Sagitta
- 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 Sagitta https://www.vertafore.com/products/sagitta · checked against the official source on 2026-11-07
This table lists factual criteria taken from information the vendors publish themselves. For how we put it together, see the methodology.