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AMS360 vs Applied Epic: Which Agency Management System in 2026?

Published 2026/04/20Last verified 2026/06/06

AMS360

Winner

Vertafore's agency management system for independent property and casualty agencies

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Applied Epic

Market-leading AMS with embedded Epic AI

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Scorecard

DimensionAMS360Applied Epic
Accuracy4 / 54 / 5
Speed3.5 / 53.5 / 5
Usability3.5 / 53 / 5
Value3.5 / 53.5 / 5
Security4.5 / 54.5 / 5

Verdict

Winner: AMS360

FAQs

Do AMS360 and Applied Epic publish pricing?
No. Both are quote-based and priced by agency size and modules, so you will need a demo for a tailored proposal.
Which is better for a small agency?
AMS360 tends to fit small and mid-size agencies better, while Applied Epic is built for large, multi-location operations.
Does AMS360 include accounting?
Yes. AMS360 has a built-in general ledger, commission splits, and reconciliation rather than relying on a separate accounting tool.
Are both built for property and casualty?
Yes. Both target independent P&C agencies and brokerages.
Is migrating between them difficult?
Migrations are possible but non-trivial; both vendors and third-party partners offer data conversion services.
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AMS360 and Applied Epic are the two agency management systems most independent property and casualty agencies short-list when they outgrow a legacy system. Both are mature, full-featured platforms — the difference is altitude and fit.

AMS360, part of Vertafore, pairs client and policy management with a genuinely deep built-in accounting module: general ledger, commission splits, and reconciliation live inside the system rather than in a bolt-on. That makes it a strong fit for mid-size agencies that want management and accounting in one place. Applied Epic, from Applied Systems, is built for scale — multi-location, multi-line, and often multinational agencies and brokerages run it as the backbone for thousands of users, with broad carrier connectivity and a large partner ecosystem.

On pricing, neither vendor publishes rates. Both are quote-based and sized to your agency and modules, so expect a demo and a tailored proposal. Feature-for-feature they overlap heavily on carrier download, workflows, and reporting; the real decision is organizational. A growing regional agency usually feels more at home in AMS360, while a large or acquisitive brokerage tends to standardize on Applied Epic.

If you are still mapping the AMS landscape, our Applied Epic vs EzLynx and EzLynx vs HawkSoft comparisons cover the adjacent options.

Editorial verdict: For most independent mid-size P&C agencies, AMS360 is the better default — its built-in accounting and general ledger remove a whole category of integration work, and it scales comfortably into the mid-market. Applied Epic earns the edge once you are large, multi-location, or acquisitive and need a platform built for thousands of users and complex structures. Neither publishes pricing, so budget for a demo either way. Winner: AMS360 for the typical independent agency; Applied Epic for large and multinational brokerages.