Applied Epic: Features, Ownership, Pricing and Alternatives
Applied Epic is the agency management system (AMS) that Applied Systems sells to established, multi-line agencies; Applied says it runs property and casualty (P&C) and benefits in one record. It stores the client and policy, tracks submissions and carrier responses, and runs billing and commission reconciliation. No Epic price appears on the Applied pages read. Everything below about its scale, speed or adoption is Applied's own claim. Last verified: 11 November 2026.
QuoteSweep makes a competing commercial quoting product. This profile is based on Applied's published pages and press releases; QuoteSweep has not used Epic, and where Applied's pages do not state a fact, this page says "not stated" instead of filling the gap. For the company behind Epic and its other brands, see Applied Systems. Epic's smaller-agency sibling has its own profile: EZLynx.
Applied Epic at a glance
| Owner | Applied Systems, Inc., privately held; Hellman & Friedman majority owner (per Applied) |
| Category | Agency management system with embedded rating, benefits tools, billing and AI |
| Serves | Per Applied: established, growth-minded agencies running multi-line books across P&C and benefits, typically 10 to 500+ staff |
| Commercial quoting | Epic Quotes Commercial Lines; Submissions Manager; AutoFill |
| Personal lines quoting | Epic Quotes, a personal lines comparative rater inside Epic |
| AI | Epic Conductor (launched 29 September 2026) |
| Carrier connectivity | "700+ carrier markets connected" (Applied's claim), with Ivans handling download and data exchange |
| Developer access | Epic APIs; using them needs an SDK-API licence and a utility licence, per Applied's December 2025 post |
| Price | None on the pages read; contact Applied sales |
| First released | 2008, per Insurance Journal (27 March 2012) |
| Closest alternatives | EZLynx (same owner), Vertafore AMS360 and QQCatalyst, HawkSoft, Momentum AMP |
| Last verified | 11 November 2026 |
What is Applied Epic?
Applied Epic is an insurance agency management system from Applied Systems. Applied's Epic page says it brings client servicing, new business and financial operations into one record across P&C and benefits. It covers policy management, benefits plan management, digital forms and applications, commercial submissions and quoting, personal lines quoting, billing and payments, commission reconciliation, a client portal and dashboards. Applied calls it "the world's most widely used insurance agency management system"; that is the vendor's claim.
Who is Applied Epic for?
Applied's FAQ says Epic fits established, growth-minded agencies with multi-line books across P&C and benefits, typically 10 to 500 or more staff. It says smaller agencies, or single-line personal lines agencies focused on quoting speed, are usually a better fit for EZLynx, and suggests an Applied specialist review your lines if you are unsure. Applied's agency management page gives the same split.
One Applied customer release gives a concrete example. On 26 March 2026 Applied said First State Insurance Agency, a Missouri agency with 17 locations and 85 employees, selected Epic to unify disconnected platforms across commercial lines, personal lines and benefits. The release gives no measured results, and it is Applied's account of a customer's choice.
QuoteSweep inference: the 10-staff floor is guidance, not a rule. An agency under that size can run Epic; Applied itself points that segment to its other product.
Who owns Applied Epic?
Applied Systems owns and sells Epic. Applied's company page says the company was founded in 1983 and is privately held, with Hellman & Friedman as majority owner and growth investment from CapitalG, JMI Equity and Stone Point Capital. It gives no amounts or percentages. Insurance Journal reported on 27 March 2012 that Epic was released in 2008, and that Applied said 400 agencies and brokerages were using it then.
Applied's company page lists EZLynx, Indio, Ask Kodiak, Planck and Cytora among its acquisitions, and its release of 9 March 2021 announced the EZLynx acquisition as completed. Tarmika is named in Applied's 16 August 2022 release, and Ivans' own 10 August 2021 release describes Ivans as a division of Applied Systems. Dates for each are on the Applied Systems page. Epic is not a standalone company, so there is no separate funding history.
What does Applied Epic include?
Each row uses Applied's own name for the module. "Status" is what the Applied page read on 11 November 2026 says about availability.
| Module | What Applied says it does | Status on the page read |
|---|---|---|
| Policy management | Issue, endorse, renew and cancel policies | Part of Epic |
| Benefits | A benefits hub with plan management and AutoFill that reads benefit summaries (release of 18 February 2026) | Launch stated; no availability date given |
| Collaboration Portal (formerly Indio) | A module for insurance forms and applications; policy and ACORD data sync both ways with Epic | Described as part of the Epic platform |
| Submissions Manager | Records comparative rating, digital application packets and emailed submissions in one place | Described on the commercial quoting page |
| AutoFill | AI reads documents such as declarations pages and schedules; items it cannot confirm wait for review | Described on the commercial quoting page |
| Epic Quotes | Personal lines comparative rater built into Epic: auto, home, condo, renters, dwelling fire, umbrella, flood, boat and trailer | Current; carrier count given only as "hundreds" |
| Epic Quotes Commercial Lines | Commercial rating built into Epic: BOP, workers' compensation, general liability, cyber and commercial auto, with E&S in the FAQ | General release 10 September 2024; no carrier count |
| Applied Recon, Applied Pay, Book Builder | Reconciliation, payments and a book-analysis tool that Applied says are built within Epic | Named on the company page; Recon and Pay details in the 20 May 2026 release |
| Epic Conductor | AI layer in three groups: operational automation, financial automation and connected trading | Launched 29 September 2026; see below |
Where does Applied Epic sit in a commercial quote?
Epic holds the account and the policy. It does not decide which carriers will quote a risk; reach depends on the rating panel and on the agency's carrier appointments. The table maps each Epic component to a stage and adds what Applied's pages leave unstated.
| Stage | What Applied says Epic offers | Not stated by Applied |
|---|---|---|
| Submission intake | Submissions Manager tracks every route in one view; AutoFill and AI extraction create a submission from documents and emails, subject to account manager approval | Accuracy of extraction |
| Rating | Epic Quotes Commercial Lines compares carriers inside Epic; panel "varies by line and shifts as carrier relationships change" | Current carrier count and names |
| Quote tracking | "Mark Quote as Sold" creates a policy shell (2024 release); carrier responses track to the account | Which carriers return bindable quotes versus indications |
| Policy and download | Policy management; Ivans handles download and data exchange with 700+ carrier markets (Applied's claim) | Which of your carriers send download |
| Money | Commission reconciliation, billing and payments, premium financing in Applied Pay | Pricing and availability dates |
| Renewal and remarketing | Eligible renewals are remarketed automatically; Travelers renewal quotes via Cytora (8 July 2026) | Pilot or general availability for the Travelers experience |
Applied's commercial quoting page claims 60% less time per submission, citing Applied product data and client research from 2026. It separately claims two hours of documentation time returned per account manager each week, with no source or date on that page. Treat both as Applied's claims; no method is given.
How does Applied Epic connect to other tools?
Applied's Epic page says Epic offers APIs so other tools can read and write client and policy data, and that Epic stays the system of record. Its December 2025 post on Epic APIs names three APIs (Attachments, Contacts and Clients), groups them by purpose (automate, extract, import, integrate and sync), and says using them requires an SDK-API licence, a utility purchase or licence, and Applied Epic.
Applied's Epic page names three tools: Ivans (download and data exchange), Cytora (which Applied says helps carriers read incoming submissions and return quotes faster) and Employee Navigator (benefits enrollment). Ivans and Cytora are Applied-owned (see the ownership section above and the Applied Systems page); Employee Navigator is the one not described as Applied's own. Applied's 11 August 2026 release describes the Employee Navigator link as native and as pushing plan data extracted by Epic's AI into Employee Navigator. Ivans' Ask Kodiak page lists Applied Epic and Epic Quotes for Commercial Lines among more than 10 technology partners. The pages read give no certified-integration list for other third-party tools, so ask which integrations are certified and which fields each writes.
What has changed in Applied Epic since 2024?
Dates are the release dates on Applied's pages; all descriptions are Applied's.
| Date | Change | Source |
|---|---|---|
| 10 Sep 2024 | Epic Quotes Commercial Lines generally released for US agents: BOP, workers' compensation, cyber and general liability, 35+ markets, after an early-access pilot | Applied release |
| 18 Dec 2025 | Applied explains the Epic APIs and the licence needed to use them | Applied blog |
| 18 Feb 2026 | New benefits experience with AutoFill for benefit summaries; Applied says Epic is the only enterprise-grade AMS managing P&C and benefits in one system. The same day Applied said Epic ranked 52nd on G2's 2026 Best Software list, which G2 bases on verified user reviews and market presence data | Applied releases |
| 26 Mar 2026 | First State Insurance Agency selects Epic | Applied release |
| 20 May 2026 | Applied Recon release (Applied says 140+ agencies, with early adopters estimating 8+ hours a week saved); premium financing in Applied Pay | Applied release |
| 8 Jul 2026 | Submissionless renewal experience with Travelers as first anchor carrier, powered by Cytora; no pilot or availability date stated | Applied release |
| 11 Aug 2026 | Native Employee Navigator link; Applied claims 80% less searching, typing and switching | Applied release |
| 18 Aug 2026 | Email-to-quote channel powered by Cytora; Applied says it works regardless of agency management system | Applied release |
| 29 Sep 2026 | Epic Conductor launched at Applied Net 2026; Applied claims data entry cut by more than 50% | Applied release |
Which Applied Epic figures differ across Applied's own pages?
QuoteSweep reading, not an Applied statement. These are cases where two Applied pages give different numbers or scopes for related things. The figures may use different definitions and are not necessarily in conflict; the pages read do not explain the difference, so treat each as a claim to confirm.
| Topic | One Applied page | Another Applied page | What to ask |
|---|---|---|---|
| Large-agency adoption | Epic page, read 11 Nov 2026: 91% of the top P&C agencies on Insurance Journal's annual ranking "rely on Applied"; the page states no ranking year, product scope or basis for the percentage, so what it counts is unknown | 30 Sep 2026 release: 76 of Insurance Journal's Top 100 Property/Casualty Agencies (2026 ranking) rely on an Applied agency management system, up from 67 in 2025; Applied says this spans its portfolio including Epic, TAM and EZLynx. It also says 9 of the top 10 brokers on Business Insurance's 2026 list | Whether the 91% counts the same list, year and products as the 76; the two may not be comparable |
| Conductor scope | AI page: "Today Epic Conductor handles one task at a time" and agents come next | Launch release: describes automation across the policy lifecycle | Which tasks are generally available now |
| Carrier connectivity | Epic page: 700+ carrier markets connected | Epic Quotes Commercial Lines: 35+ markets at the 2024 launch; no current count | How many of your carriers are in the quoting panel, not only the download network |
The 700+ figure measures trading and download connectivity. It is not the number of carriers that quote inside Epic Quotes.
How much does Applied Epic cost?
No Epic price appears on the Applied pages read. The Epic, commercial quoting, Collaboration Portal and Epic Conductor pages route to "Contact sales" or "Talk to sales", and none states a figure, a tier or a licence fee. This page does not repeat unofficial price estimates. Applied's FAQ says implementation timing depends on book size, lines and historical data volume, and that Applied's team plans the conversion.
Ask for a written quote that fixes user count, modules (Epic Quotes Commercial Lines, Epic Conductor, Recon, Applied Pay, the Collaboration Portal), API licences if you plan integrations, data conversion and training.
Should an agency choose Applied Epic? A checklist
QuoteSweep inference, not an Applied claim. Each question closes a gap that Applied's pages leave open.
- Do you need P&C and benefits in one record? Applied's benefits release is the case for Epic; a P&C-only agency gets less from it.
- Do your appointed commercial carriers sit in the Epic Quotes Commercial Lines panel for your lines and states? Applied gives no count, so ask for the live list and the appointment requirements.
- Which of your carriers send policy download through Ivans, and for which lines?
- Which Epic Conductor tasks are generally available today, and which depend on later "agents"?
- Which integrations you rely on need an SDK-API licence, and who pays for it?
- What is the written price for your user count and modules, and what does conversion from your current system involve?
- Are you under 10 staff or mainly personal lines? Applied itself points that profile to EZLynx.
- How will you quote risks that fall outside the panel? Email-to-quote works regardless of AMS where carrier APIs exist; carriers that take only portal, phone or wholesale submissions stay outside any API-based rater.
Who competes with Applied Epic?
Epic competes with other agency management systems. Facts below are each vendor's own, from pages read on 11 November 2026.
| System | Owner | Vendor's positioning | Price shown on pages read? |
|---|---|---|---|
| EZLynx | Applied Systems | Applied: small and growing agencies, speed and volume, "a natural path to Applied Epic" | No; ezlynx.com has a "Get Special Pricing" offer that links to a landing page |
| AMS360 | Vertafore; Roper Technologies' FY2025 Form 10-K lists Vertafore in its Application Software segment (see the Vertafore profile) | Vertafore's AMS360 page names no target agency size. Its size FAQ is generic (agency management systems can suit small independents to large multi-location firms) and does not name AMS360; its AMS360 FAQ says "trusted by thousands of agencies" (Vertafore's claim) | No; demo, form or phone |
| QQCatalyst | Vertafore | "Growing independent agencies" | No; contact or demo |
| HawkSoft | Family-owned, founded 1995 (per HawkSoft) | Independent agencies, personal and commercial lines; Windows desktop app with browser access | Not on the agency management page read; the HawkSoft 6 FAQ cites a "$99/user retail price" (hawksoft.com/6/faq.html, read 11 Nov 2026, in an answer about bill changes for existing customers). No commitment beyond 30 days per HawkSoft |
| Momentum AMP | Momentum, formerly NowCerts (rebranded 2024) | Independent agencies; says 1,600+ agencies and "no contracts" | Yes; AMS plans per momentumamp.com/pricing (11 Nov 2026): Essentials $119 per mo. (1 user), Professional $199 per mo. (2 users), Business $419 per mo. (5 users), Enterprise "Call Us" (50+ users); "Cost Per Additional Seat" $54 on each tier |
What are the alternatives to Applied Epic?
QuoteSweep inference, by situation:
- Smaller or personal-lines-first agency: EZLynx, which Applied names for that segment. See the EZLynx profile.
- Agency already using Vertafore products: AMS360 or QQCatalyst; see the Vertafore profile.
- Preference for an independent owner: HawkSoft describes itself as family-owned; see the HawkSoft profile.
- Commercial quoting outside the AMS: a standalone rater, such as the tools described in what a commercial comparative rater is and Tarmika alternatives. Tarmika is the technology behind Epic Quotes Commercial Lines, so a Tarmika alternative is also an alternative to Epic's rater.
For the basics of the category, see the agency management system glossary entry.
Where QuoteSweep fits
QuoteSweep makes a competing commercial quoting product for independent agents. It is not an agency management system and does not replace Epic as the record of the account and policy. It does not claim an integration with Applied Epic or with Epic Quotes Commercial Lines. It works from client data imported from ACORD XML or CSV files, and direct AMS integrations are in development, not live, so quote data is not written back to Epic automatically.
QuoteSweep data: QuoteSweep tracks appetite and product data for 553 commercial carriers (carrier data exported 1 April 2026) and has quoting automation built for 25 of them, using AI web agents on carrier portals, in eight commercial lines. Of the 553, 130 expose an online quoting portal to independent agents; the rest take phone, email or wholesale submissions. "Tracks" is research and "automated" is what is built for live quoting. To check which carriers write a class before you submit, use the carrier comparison tool; plans are on the pricing page.
Frequently Asked Questions
What is Applied Epic?
Applied Epic is an insurance agency management system from Applied Systems. Applied says it brings servicing, new business and financial operations into one record across P&C and benefits, with policy management, commercial submissions and quoting, personal lines quoting, billing, commission reconciliation and a client portal. Applied calls it the world's most widely used agency management system, which is the vendor's own claim.
Who is Applied Epic for, and how big should an agency be?
Applied says Epic fits established, growth-minded agencies on multi-line books across P&C and benefits, typically 10 to 500 or more staff, and that smaller or single-line personal lines agencies usually fit EZLynx better. That is Applied's guidance, not a hard limit. A March 2026 customer release describes an 85-employee, 17-location Missouri agency choosing Epic.
Who owns Applied Epic?
Applied Systems, a privately held company that says it was founded in 1983. Its company page names Hellman & Friedman as majority owner, with growth investment from CapitalG, JMI Equity and Stone Point Capital, and gives no amounts. Insurance Journal reported in March 2012 that Epic was released in 2008. Applied also owns EZLynx, Ivans, Tarmika, Ask Kodiak, Cytora, Planck and Indio; the sources are in the ownership section above.
How much does Applied Epic cost?
No Epic price appears on the Applied pages read. The Epic, commercial quoting, Collaboration Portal and Epic Conductor pages all direct buyers to sales and state no figures. Ask for a written quote that fixes user count, modules, API licences, data conversion and training, since Applied says implementation depends on book size, lines and data volume.
What is Epic Conductor?
Epic Conductor is Applied's AI platform built into Epic, launched at Applied Net 2026 and announced on 29 September 2026. Applied groups it into operational automation, financial automation and connected trading, and says it follows the agency's Epic roles and permissions. Applied's AI page says it handles one task at a time today, with agents planned. Applied's claim of a more than 50% cut in data entry has no stated method.
What is Epic Quotes Commercial Lines, and does it quote every carrier?
Epic Quotes Commercial Lines is commercial rating built into Epic, generally released 10 September 2024 with more than 35 markets. Applied's current page lists BOP, workers' compensation, general liability, cyber and commercial auto, with E&S in the FAQ. It does not quote every carrier: Applied says the panel varies by line and direct carrier appointments are required, and it gives no current count.
Does Applied Epic integrate with other tools?
Yes, through APIs and named links. Applied says Epic APIs let other tools read and write client and policy data, and its December 2025 post says using them needs an SDK-API licence and a utility licence. Applied's Epic page names Ivans, Cytora and Employee Navigator, and Ivans lists Epic as an Ask Kodiak partner; Ivans and Cytora are Applied-owned. The pages read publish no certified-integration list for other third-party tools, so ask Applied for one.
What are the alternatives to Applied Epic?
For agency management: EZLynx (also Applied's, for smaller and personal-lines-first agencies), Vertafore's AMS360 and QQCatalyst, HawkSoft and Momentum AMP. For commercial rating outside an AMS: standalone raters, or QuoteSweep, which is a competing quoting product and not an AMS. Compare carrier panels and written prices before switching. On the pages read, Momentum publishes plan prices (AMS from $119 per month, momentumamp.com/pricing, 11 November 2026) and HawkSoft's HawkSoft 6 FAQ cites a "$99/user retail price" (hawksoft.com/6/faq.html, read 11 November 2026); Applied (Epic and EZLynx) and Vertafore (AMS360 and QQCatalyst) show none.
What was checked on this page
Last verified: 11 November 2026. Every page read is listed under Sources below.
Not stated or not verified: Epic pricing; the current number or names of carriers in Epic Quotes Commercial Lines; whether the Travelers renewal experience is a pilot or generally available; which Conductor tasks are generally available; the basis of Applied's adoption, time-saved and G2 claims; Epic's headquarters or employee count (the company page gives none for Epic); independent reviews and ratings (G2 and Capterra returned 403 and were not read); and how the product behaves in daily use, which this page does not describe.
Sources, read 11 November 2026
- Applied Systems: Applied Epic, agency management overview, commercial risk quoting and submissions, Epic Quotes, Collaboration Portal, Epic Conductor and AI, company overview, Epic APIs post, 18 Dec 2025
- Applied releases: Epic Quotes Commercial Lines, 10 Sep 2024; benefits, 18 Feb 2026; G2 Top 100, 18 Feb 2026; First State, 26 Mar 2026; Recon and Applied Pay, 20 May 2026; Travelers, 8 Jul 2026; Employee Navigator, 11 Aug 2026; email-to-quote, 18 Aug 2026; Epic Conductor, 29 Sep 2026; 9 of the top 10 brokerages, 30 Sep 2026; EZLynx acquisition, 9 Mar 2021; Tarmika acquisition, 16 Aug 2022
- Ivans: Ask Kodiak; Ivans acquires Ask Kodiak, 10 Aug 2021
- Trade press: Insurance Journal, 27 March 2012
- Other vendors: Vertafore AMS360 (page and FAQ), Roper FY2025 Form 10-K, Vertafore QQCatalyst, HawkSoft, HawkSoft 6 FAQ, Momentum AMP, Momentum AMP pricing, EZLynx
- QuoteSweep figures: QuoteSweep product fact definitions; tracked-carrier and online-portal counts from the carrier export dated 1 April 2026; automated-carrier count from QuoteSweep's list of carriers with quoting automation built
