Tarmika vs QuoteSweep
Looking for a Tarmika Alternative?
Tarmika promises "seamless quoting for the independent agent" — but connects to just 31 carriers via API partnerships, and many return indications rather than bindable quotes. QuoteSweep reaches 550+ carriers through AI web agents and returns the carrier's own quote. Here's how they compare.
About these tools
Tarmika is an API-based comparative rater acquired by Applied Systems in 2022, connecting to approximately 31 carriers through bilateral API partnerships. Many of its carriers return indications (estimates) rather than bindable quotes, requiring agents to visit the carrier portal for the actual price. Applied Systems also acquired Planck to drive AI-powered data enrichment into their platform.
QuoteSweep uses AI web agents to submit commercial insurance applications to 550+ carrier portals simultaneously — no carrier API partnerships required. It works with YOUR existing carrier appointments.
What Is Tarmika?
Tarmika is an API-based comparative rater acquired by Applied Systems in 2022. It connects to approximately 31 carriers through bilateral API partnerships, and many of those return indications (ballpark estimates) rather than bindable quotes. While Tarmika works well within the Applied ecosystem (Epic, EZLynx), agents outside that ecosystem — or agents whose carrier panels extend beyond Tarmika's 31 — often find themselves back in carrier portals for the real price. Applied Systems has since acquired Planck to drive AI-powered data enrichment, signaling investment in the next generation of their quoting infrastructure.
Tarmika vs QuoteSweep: Feature Comparison
| Feature | Tarmika | QuoteSweep |
|---|---|---|
| Carrier connections | ~31 via API partnerships (many return indications, not bindable quotes) | 550+ carriers via AI web agents (no API required) |
| Technology approach | Bilateral carrier API integrations | AI web agents — any carrier with a web portal |
| Adding new carriers | Months (requires API partnership negotiation) | Days (portal mapping, no carrier cooperation needed) |
| Lines of business | BOP, GL, WC, Commercial Auto | BOP, GL, WC, Commercial Auto, Umbrella, Professional Liability, Cyber, EPLI |
| Appetite pre-filtering | Limited | 3-tier appetite intelligence (static rules, real-time probing, observed outcomes) |
| AMS integration | Deep Applied ecosystem (Epic, EZLynx) | AMS-agnostic — works with any system |
| Pricing | Subscription (varies by agency size) | Free trial (3 quotes), then $249/mo |
| Market coverage | ~1.2% of 2,500+ US P&C carriers | No ceiling — any carrier with a web portal is a potential connection |
| Carrier transparency | Publishes carrier list (~31 named carriers) | Publishes all 550+ carriers with appetite data AND exclusions |
Why Agents Choose QuoteSweep Over Tarmika
No API ceiling
Tarmika is limited to carriers who agree to build and maintain API partnerships — roughly 31 after 9 years. QuoteSweep treats every carrier portal as a connection point. If an agent can log in and quote, QuoteSweep can automate it.
Real quotes, not estimates
Many Tarmika carriers return indications — ballpark estimates where you still need to visit the carrier portal for the real quote. QuoteSweep fills out the actual carrier portal and returns the carrier's own quote. No estimates. No second trip.
No ecosystem lock-in
Since Applied Systems acquired Tarmika in 2022, the product is tightly integrated into the Applied ecosystem. Agents on HawkSoft, NowCerts, QQCatalyst, or other AMS platforms may find limited support. QuoteSweep is AMS-agnostic.
8 lines, not 4
Tarmika focuses on BOP, GL, WC, and commercial auto. QuoteSweep adds umbrella, professional liability, cyber, and EPLI — all from a single application.
Appetite intelligence built in
Before submitting to any carrier, QuoteSweep checks appetite by class code, state, and premium range. No wasted submissions. No declined-to-quote surprises. Tarmika has limited appetite pre-filtering.
Switching from Tarmika? Here's How.
No disruption to your current workflow. Most agents are live in under 24 hours.
Book a 15-minute onboarding call
We map your carrier panel and identify which carriers QuoteSweep can automate on day one.
Connect your carrier credentials
Securely provide your existing carrier portal logins. QuoteSweep uses the same portals you already use — no new carrier appointments needed.
Quote your first account
Enter one application. Watch QuoteSweep dispatch AI agents to every carrier in your panel simultaneously. Compare quotes side by side.
Run both tools in parallel
No need to cancel Tarmika immediately. Use QuoteSweep for the carriers Tarmika doesn't cover, then consolidate when you're ready.
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