Tarmika: Owner, Carriers List, Products and Alternatives
Tarmika is a commercial lines comparative rater for independent agents, owned by Applied Systems, which announced the acquisition on 16 August 2022 without disclosing terms. An agent enters a small commercial risk once and quotes several markets through the agency's own carrier appointments. Applied's Tarmika Carriers List, effective 29 May 2026, named 29 carriers when read on 11 November 2026. Applied's pages do not say whether Tarmika is still sold on its own, and they show no price.
Last verified: 11 November 2026. Every product and carrier fact below is read from Applied Systems' or Ivans' own pages on that date, except where a trade report or interview is named. Product lineups change, so confirm them with Applied before you buy. This is not a ranking and not a hands-on review: QuoteSweep makes a competing commercial quoting product and has not used Tarmika, so read the QuoteSweep sections with that in mind. For the company around it, see Applied Systems.
tarmika.com returned HTTP 403 to a scripted fetch on 11 November 2026, so nothing here is sourced from it.
What is Tarmika?
Tarmika is a commercial lines quoting tool that Applied describes as "single-entry": the agent captures risk data once, finds in-appetite markets, and quotes and submits to several insurers or MGAs in one workflow, using the agency's Direct and Market Access appointments (Applied releases, 2023 and 2024). Applied's brochure (PDF created 12 February 2025, modified 13 February 2025 per its metadata) says it supports five products across BOP, workers' compensation, general liability, cyber and package, can generate ACORD forms, and lets an agent reserve a quote in the market.
| Product name | What Applied's pages say | Where |
|---|---|---|
| Tarmika (Bridge) | Bridge is "an agency-based commercial lines comparative rater" | Applied acquisition release, 16 Aug 2022 |
| Tunnel | "An embedded insurance solution" | Same release |
| Tarmika Insured | "Embedded insurance solution made easy", with 12 or fewer underwriting questions, data prefill and several real-time options at the end of the quote flow | Applied's Tarmika page |
| Epic Quotes Commercial Lines | A multi-carrier commercial rating tool built into Applied Epic, whose release describes bringing the Tarmika "instant comparative rating capabilities natively into Applied Epic" | Applied release, 10 Sep 2024 |
Applied's pages read do not say whether Tunnel and Tarmika Insured are the same product, so this page treats them as two names. Its pages also do not state a carrier count for Tarmika itself.
Who owns Tarmika, and who runs it?
Applied Systems owns Tarmika. Applied announced the acquisition on 16 August 2022 and did not disclose terms; Insurance Journal and Business Insurance both reported it that day, and TigerRisk Capital Markets & Advisory was Tarmika's financial advisor, per the release. Applied's release names Hellman & Friedman as its majority shareholder, with Stone Point Capital, JMI Equity and CapitalG as minority shareholders. Ivans' release of the same day calls Applied Ivans' parent company.
Applied and Ivans both say Tarmika was founded in 2018 by former insurance agents and carrier representatives. Business Insurance reported it as Boston-based, with about 30 employees who all joined Applied, per an Applied spokeswoman. Raghav Tanna, Tarmika's CEO and co-founder at the sale, appears in Applied's 2023 and 2024 releases as a senior vice president of commercial lines at Applied and, in the May 2024 release, also as Tarmika's CEO. No funding round or amount appears in Applied's, Ivans' or the trade reports read, so this page gives none.
Which carriers are on Tarmika's carrier list?
Applied's Tarmika Carriers List, effective 29 May 2026, named 29 carriers when read on 11 November 2026: Accident Fund, Acuity, AmTrust, Central Mutual, CFC, Chesapeake Employers, Chubb, CNA, Coalition, CompWest, Coterie, Donegal, ERGO NEXT Insurance, GUARD, Hanover, Indiana Farmers, Liberty Mutual, Main Street America, Merchants, Nationwide, Norfolk & Dedham, Pie, Progressive, RT Specialty, Selective, SFM, Tokio Marine, Travelers and United Fire Group. Applied says the list shows carriers whose products are live and that opted in to be displayed, plus in-progress carriers and extra products, so it is not a complete count.
The grid below is QuoteSweep's transcription of Applied's page as rendered on 11 November 2026. The columns on Applied's page are BOP, WORK, CGL, CYBER, AUTOB, CPKGE, E&S and Bundle; this page reads them as BOP, workers' compensation, general liability, cyber, business auto, commercial package, E&S and bundle. Rate type letters follow Applied's legend: I is indication, B is bindable and P is bind and issue policy.
| Carrier (as listed) | Label on Applied's page | Products and rate type |
|---|---|---|
| Accident Fund | Multiple Locations | Workers' comp B |
| Acuity | Multiple Locations | BOP I, workers' comp I, GL I, business auto I |
| AmTrust | One Location | BOP I, workers' comp B |
| Central Mutual | Multiple Locations | BOP I |
| CFC | One Location | Cyber P |
| Chesapeake Employers | Multiple Locations | Workers' comp I |
| Chubb | Multiple Locations | BOP B, workers' comp B, GL B, cyber B |
| CNA | Multiple Locations | BOP B, workers' comp B |
| Coalition | One Location | Cyber P |
| CompWest | One Location | Workers' comp B |
| Coterie | One Location | BOP B, GL B |
| Donegal | Multiple Locations | BOP I, workers' comp B, business auto I |
| ERGO NEXT Insurance | none shown | BOP I, GL I |
| GUARD | Multiple Locations | Workers' comp B |
| Hanover | Multiple Locations | BOP B, workers' comp B, GL B |
| Indiana Farmers | Multiple Locations | BOP I |
| Liberty Mutual | Multiple Locations | BOP I, workers' comp I, GL I, package I |
| Main Street America | One Location | BOP B |
| Merchants | Multiple Locations | BOP (no rate type shown) |
| Nationwide | Multiple Locations | BOP B, workers' comp B, GL B, business auto I, bundle B |
| Norfolk & Dedham | Multiple Locations | BOP I |
| Pie | Multiple Locations | Workers' comp B |
| Progressive | none shown | Business auto I (in progress) |
| RT Specialty | none shown | E&S I |
| Selective | One Location | BOP B, workers' comp B, GL B |
| SFM | One Location | Workers' comp I |
| Tokio Marine | One Location | GL I |
| Travelers | Multiple Locations | BOP I, workers' comp B, GL I |
| United Fire Group (UFG) | Multiple Locations | BOP B |
Applied does not define the "One Location" and "Multiple Locations" labels, and a separate status color marks each product cell Live, Quick Quote, In Progress or N/A without defining Quick Quote. In QuoteSweep's count, 31 of the 54 product cells are marked Live, 22 Quick Quote and 1 In Progress (Progressive's business auto). By line, 18 carriers show BOP, 16 workers' compensation, 10 general liability, 4 business auto and 3 cyber, with one each for package, E&S and bundle. "Carriers" is Applied's word for every name on the list.
Do Tarmika carriers return bindable quotes or indications?
Both. Of the 54 product cells on Applied's list, 27 are marked bindable, 24 indication, 2 bind and issue policy, and 1 (Merchants' BOP) has no rate type. Seventeen carriers show at least one bindable or bind and issue product. Eleven show indications only: Acuity, Central Mutual, Chesapeake Employers, ERGO NEXT Insurance, Indiana Farmers, Liberty Mutual, Norfolk & Dedham, Progressive, RT Specialty, SFM and Tokio Marine.
Applied's pages do not define what an indication means in the workflow, so check with Applied what the agent does after one. Two older sources describe the bind step. In a 2019 Carrier Management interview, Tanna said quotes from the platform are saved to the carrier's own quote page so the bind process can continue. Coterie's 22 February 2021 post says its API connection supports bindable general liability and BOP quotes.
How does Tarmika work with Applied Epic, EZLynx and Ivans?
Applied's releases say Tarmika integrates directly with Applied Epic and EZLynx, passing risk data between the systems and logging quoting activity in the management system (Weaver & Associates, 7 June 2023; Hartwell, 29 May 2024; White & Associates, 23 October 2024). Applied's 16 August 2022 release said Tarmika's commercial products would join the Ivans Distribution Platform. On 10 September 2024 Applied launched Epic Quotes Commercial Lines, which brings Tarmika rating into Epic.
Applied's pages read do not describe how Tarmika works with a management system other than Epic or EZLynx. Ivans is covered in Ivans download, and agency management system explains the category.
Is Tarmika still sold on its own?
Not confirmed. In 2022 Applied said it would invest in Tarmika's quoting technology to bring its workflows and product panel to market "as a standalone application", a forward-looking statement. Its Tarmika Insured page still offers Talk to Sales, but Applied also lists a webinar on switching from Tarmika to Epic Quotes Commercial Lines. No current Applied page says either way, and none of the dated signals is later than a February 2025 brochure.
| Signal | Source | Date |
|---|---|---|
| Applied said it would invest in Tarmika's quoting technology to bring its workflows and product panel "as a standalone application" (forward-looking wording; the FAQ has no question on standalone availability) | Acquisition release and FAQ | 16 Aug 2022 |
| Customer releases describe Tarmika in the present tense as a quoting tool that integrates with Epic and EZLynx | White & Associates release | 23 Oct 2024 |
| A Tarmika brochure ends with a demo booking button | Brochure PDF | Created 12 Feb 2025, modified 13 Feb 2025 (PDF metadata) |
| Applied's Tarmika Insured page offers Talk to Sales | Applied page | Read 11 Nov 2026 |
| Applied lists a "Tarmika Quarterly Updates" webinar and one titled "Discover the Benefits of Switching from Tarmika to Epic Quotes Commercial Lines" | Webinar library, no dates shown | Read 11 Nov 2026 |
| Applied's Epic commercial quoting page describes Epic Quotes Commercial Lines and does not mention Tarmika | Applied page | Read 11 Nov 2026 |
QuoteSweep inference: Applied still publishes Tarmika material and a carrier list, but it also promotes moving Tarmika users to Epic Quotes Commercial Lines. The only way to settle what you would be buying is to ask Applied.
How much does Tarmika cost?
No price appears on any Applied page read, including the Tarmika Insured page, the brochure and the acquisition FAQ, which does not cover pricing. In a 30 November 2019 Carrier Management interview, Tanna said agencies paid a monthly license fee and that Tarmika charged "no commissions or transaction fees." That is seven years old and predates the Applied deal, so treat it as history. Applied's brochure claims Tarmika saves 80 minutes and $50 per commercial risk quoted; Applied gives no method.
Who uses Tarmika?
Applied's brochure says "thousands of users" use it, with no count or method. Applied has published releases on three agencies: Weaver & Associates (Los Angeles County, 7 June 2023), The Hartwell Corporation (Idaho, 29 May 2024) and White & Associates Insurance (12 locations in West Tennessee, Missouri and Arkansas, 23 October 2024). On the carrier side, Coterie posted on 22 February 2021 about a Tarmika integration for general liability and BOP, and Insurance Journal's 16 August 2022 article notes that Pie had recently announced a strategic partnership with Tarmika. Both carriers appear on Applied's 2026 list.
How does Tarmika's carrier list compare with QuoteSweep's automated carriers?
QuoteSweep data, not an Applied claim. QuoteSweep has quoting automation built for 25 carriers (9 public, 16 using the agent's own portal credentials). Matching Applied's 29 names to that list by carrier name, with ERGO NEXT Insurance read as NEXT Insurance and Progressive as Progressive Commercial, 14 names appear on both: Acuity, AmTrust, Chubb, CNA, Coterie, GUARD, Hanover, Liberty Mutual, Nationwide, ERGO NEXT Insurance, Pie, Progressive, Selective and Travelers.
The other 15 Tarmika names are not on QuoteSweep's automated list: Accident Fund, Central Mutual, CFC, Chesapeake Employers, Coalition, CompWest, Donegal, Indiana Farmers, Main Street America, Merchants, Norfolk & Dedham, RT Specialty, SFM, Tokio Marine and United Fire Group. Eleven QuoteSweep automated carriers are not on Applied's list: Auto-Owners, biBERK, BTIS, Cincinnati Financial, Employers, Erie, Hiscox, Insureon, Kinsale, Markel and The Hartford.
This is a name match only. It says nothing about which lines or states either tool covers, Applied's list shows only opted-in carriers, and it implies no connection between QuoteSweep and Tarmika or any carrier.
Who competes with Tarmika?
Tarmika competes with other commercial raters and exchanges, chiefly Semsee and Bold Penguin, and, for Applied Epic customers, with Applied's own Epic Quotes Commercial Lines. Each description below is that vendor's own wording, read on 11 November 2026, and none of the three publishes a price on the pages read.
| Alternative | What its own pages say | Notes |
|---|---|---|
| Epic Quotes Commercial Lines (Applied) | Rating built into Applied Epic for BOP, workers' comp, GL, cyber, commercial auto and E&S; panel "varies by line"; direct carrier appointments required | Applied's September 2024 release cited more than 35 markets; no current count |
| Semsee | A small commercial insurance platform for agents, carriers and MGAs, with Market Access, ACORD upload and download, and Bind in Platform | Home page shows no prices, no carrier total and no AMS integrations |
| Bold Penguin | A "Digital Exchange" powered by DeX ai for brokers and agents, carriers and MGAs, with APIs and an MCP server | Home page shows no prices or carrier total |
| QuoteSweep | AI web agents enter one risk into carrier portals and return quotes for comparison | Competing product; see below |
For a head-to-head, see Tarmika alternative and Tarmika alternatives for agents. The wider category is explained in comparative rater and what is a commercial comparative rater.
What are the alternatives to Tarmika?
QuoteSweep inference, based on the product categories above: Epic Quotes Commercial Lines if you want rating inside Applied Epic, Semsee or Bold Penguin if your management system is not an Applied one, and a portal-based tool such as QuoteSweep if your appointed carriers are not on Applied's list. The right choice depends on why you are leaving.
| If your concern is | Look at | Check |
|---|---|---|
| You use Epic and want rating inside it | Epic Quotes Commercial Lines | Which carriers are live for your lines and states, and whether the switch is priced separately |
| You use a management system other than Epic or EZLynx | Semsee, Bold Penguin, or a tool that does not depend on your management system | Whether the tool lists your management system, and which of your appointed carriers it reaches |
| Your appointed carriers are not on Applied's list | A tool built around carrier portals, such as QuoteSweep, or a different rater | The carrier-by-carrier overlap, line by line and state by state |
What should you ask Applied before you buy?
QuoteSweep inference, not an Applied claim: these five questions close the gaps the pages leave open, starting with whether Tarmika is sold on its own and which carriers are live for your lines and states. Get the answers in writing before you compare Tarmika with anything else.
- Is Tarmika sold on its own today, or only as Epic Quotes Commercial Lines or Tarmika Insured?
- Which carriers are live for your lines and states, and how many opted out of display on the public list?
- For each product you need, is the output an indication, a bindable quote or bind and issue, and what does the agent do after an indication?
- What does it cost per user or per agency, and what term and exit terms apply?
- If you are not on Epic or EZLynx, how does risk data get in, and is anything re-keyed?
Where does QuoteSweep fit next to Tarmika?
QuoteSweep makes a competing commercial quoting product for independent agents. It is not an agency management system and does not claim an integration with any Applied product. An agent enters a risk once, QuoteSweep's AI web agents enter it into carrier portals, and quotes come back for comparison. QuoteSweep tracks appetite and product data for 553 commercial carriers (carrier data exported 1 April 2026) and has quoting automation built and testable today for 25. API availability varies significantly by carrier, product and distribution channel.
To put your own appointed carriers next to a list like Applied's, use QuoteSweep's carrier comparison tool. QuoteSweep works alongside any AMS by importing client data from ACORD XML or CSV files. Direct AMS integrations are in development and not live, which is a real difference from Tarmika's stated Epic and EZLynx integrations.
What could not be confirmed?
Not confirmed as of 11 November 2026: a price; whether Tarmika is sold on its own; a full carrier count (the list shows opted-in carriers only, and Applied's September 2024 release cited more than 35 markets); what Quick Quote and the location labels mean; whether Tunnel and Tarmika Insured are the same product; any funding round; and Tarmika's current headquarters. One trade profile (Coverager, undated) gives 2017 as the founding year, while Applied and Ivans say 2018. tarmika.com could not be read.
Sources, read 11 November 2026
- Applied Systems: acquisition release, acquisition FAQ, Tarmika Carriers List, Tarmika Insured page, product brochure, Epic Quotes Commercial Lines release, Epic commercial quoting page, and the customer releases for Weaver & Associates, Hartwell and White & Associates
- Ivans: Tarmika acquisition release
- Trade press: Insurance Journal, 16 August 2022; Business Insurance, 16 August 2022; Carrier Management interview, 30 November 2019
- Partners and competitors: Coterie, Semsee, Bold Penguin
- QuoteSweep figures: QuoteSweep product fact definitions; tracked-carrier count from the carrier export dated 1 April 2026; automated-carrier count from QuoteSweep's list of carriers with quoting automation built
