Regure vs Applied Epic: Agency management plus claims automation
Applied Epic is the dominant US broker AMS — excellent for policy administration and client management. Regure layers on top to add claims automation, document AI, workflow orchestration, and team collaboration that Applied Epic doesn't provide.
Understanding the difference: AMS for policy management vs claims automation platform
Applied Epic (formerly Applied TAM) is the industry-standard agency management system for US brokers and agencies. It handles policy administration, client relationship management, commission tracking, accounting, and producer workflows. Applied Epic is the backbone of broker operations — 13,000+ agencies use it for policy lifecycle management and revenue operations.
Regure is a claims automation platform built for what Applied Epic doesn't do: intelligent document processing, workflow automation, team collaboration, and field investigation tools. While Applied Epic manages policies and clients, Regure manages claims — particularly the operational complexity that falls outside core AMS functionality.
The fundamental distinction: Applied Epic is your policy and client system of record. Regure is your claims operations platform. They integrate rather than compete — Regure pulls policy and client data from Applied Epic to enrich claims workflows, then pushes claim status back for unified visibility.
Feature-by-feature: where each platform excels
Applied Epic dominates policy and client management. Regure dominates claims operations. Together, they provide complete broker operations coverage.
| Capability | Applied Epic | Regure |
|---|---|---|
| Policy Administration | Core strength: comprehensive policy lifecycle, renewals, endorsements, certificates, policy checking | Not included — Regure integrates with Applied Epic for policy data but doesn't manage policies |
| Client & Producer Management | Robust CRM, producer hierarchies, book-of-business tracking, commission management | Basic client profiles pulled from Applied Epic — not a CRM replacement |
| Accounting & Commissions | Full accounting system: AR/AP, premium tracking, commission splits, reconciliation with carrier statements | No accounting functionality — focuses on claims operations, not financial management |
| Claims Document Processing | Manual document upload to claim folders — no AI classification, no automated routing, no field extraction | AI-powered: 99%+ classification accuracy on 20+ insurance document types, ACORD form extraction, automated routing by document type and urgency |
| Claims Workflow Automation | Basic status tracking and manual task lists — no conditional workflow logic or automated routing rules | Visual drag-and-drop workflow builder: conditional routing, SLA timers, escalation rules, automated assignments — configured by claims managers without IT |
| Team Collaboration | Notes field and basic activity logging — teams still use email/Teams/Slack for claim discussions | Built-in claim-linked messaging with @mentions, video conferencing, mobile field app — all context stays with the claim |
| Document Intelligence | None — documents stored as files without content understanding or search within document text | Full OCR, semantic search across document contents, duplicate detection, version control, AI-suggested document classifications |
| Audit Trails for Compliance | Basic database logging — sufficient for standard agency operations but limited for claims compliance requirements | Immutable Merkle tree logging with cryptographic tamper-evidence — designed for regulatory audit defense and E&O protection |
| Mobile Field Tools | Applied Mobile for policy lookups and basic client access — limited claims investigation capabilities | Field adjuster mobile app with offline capability, photo capture with GPS/timestamp, signature collection, claim investigation forms, automatic sync when online |
| Integration Ecosystem | Extensive: 100+ carrier integrations, accounting systems, rating engines, document generation tools | API-first: bi-directional sync with Applied Epic, carrier portals, core systems — pulls policy/client data, pushes claim status and documents |
| Carrier Portal Management | Download Center for carrier portal submissions and policy retrieval — extensive carrier connectivity | Limited carrier portal integration — focuses on claims automation rather than policy download workflows |
| Implementation Timeline | 2-6 months for full agency conversion including data migration, configuration, training, and go-live | 14 days for claims operations deployment, 3-4 weeks with full Applied Epic integration and data mapping |
| Pricing Model | Per-user annual licensing + implementation fees + ongoing support contracts — typically $200-400/user/year | $75-225/user/month based on features needed — no implementation fees, no minimum commitments |
| Best For | Policy administration, client management, producer operations, accounting, commission tracking — the complete AMS | Claims automation, document AI, workflow orchestration, team collaboration, field investigation — layered on top of AMS |
Who should choose what — an honest assessment
Applied Epic and Regure serve different needs and integrate together. Most brokers need both — Applied Epic for policies, Regure for claims.
Choose Applied Epic if:
- You're a US broker or agency needing comprehensive policy administration and you don't already have an AMS
- You need client relationship management, producer hierarchies, and book-of-business tracking across your agency
- You require accounting integration with commission tracking, AR/AP, premium reconciliation, and financial reporting
- You need extensive carrier connectivity through Applied's Download Center for policy submissions and retrieval
- You want the industry-standard AMS that 13,000+ agencies use — ensuring deep carrier integration and ecosystem support
- Your operations are primarily policy-focused (retail agency, wholesale broker) rather than claims-heavy
- You need certificate generation, policy checking, renewal workflows, and endorsement management
Applied Epic is the gold standard for broker policy administration. If you're running a broker or agency without an AMS, Applied Epic provides comprehensive functionality proven across 13,000+ organizations.
Choose Regure if:
- You already have Applied Epic (or another AMS) and need to add claims automation capabilities
- Your adjusters spend 14+ hours/week manually sorting claims documents and you want AI to eliminate that waste
- You handle significant claims volume (brokers with captive claims, program administrators, MGAs with delegated authority)
- You need visual workflow automation that claims managers can configure without IT tickets
- You require claim-linked team collaboration instead of scattered email threads and Slack messages
- You need mobile field tools for adjusters conducting investigations with offline capability and photo documentation
- You require compliance-grade audit trails for regulatory defense and E&O claim protection
- You want fast deployment (14 days) that integrates with your existing Applied Epic installation
Regure integrates with Applied Epic to add what it doesn't provide — claims automation, document AI, and collaboration tools. Calculate your ROI.
How Regure and Applied Epic work together
Regure integrates bi-directionally with Applied Epic to combine policy management strength with claims automation capabilities.
When a claim is created in Applied Epic, Regure automatically imports it along with associated policy data, client information, and coverage details. This context enriches the claims workflow — adjusters see policy limits, deductibles, and client history without switching systems. Documents uploaded to Regure (medical bills, police reports, repair estimates) automatically attach to the corresponding Applied Epic claim record.
Claim status updates in Regure sync back to Applied Epic, ensuring unified visibility. Producers checking claim status in Applied Epic see real-time updates from the Regure workflow. Finance teams reconciling claim payments see document audit trails from Regure. This hybrid approach leverages Applied Epic's policy management strength while adding Regure's claims automation capabilities — without forcing users to abandon familiar systems.
For brokers handling delegated claims authority or managing captive claims programs, this integration is transformative. Applied Epic remains the policy system of record. Regure becomes the claims operations center — where documents are processed, workflows execute, and teams collaborate. Both systems stay in sync automatically.
What brokers ask when evaluating Applied Epic and Regure
Is Regure an Applied Epic alternative or complement?
Complement. Applied Epic is an agency management system focused on policies, clients, accounting, and producer operations. Regure is a claims automation platform focused on documents, workflows, and collaboration. They serve different needs and integrate together. If you're choosing an AMS, Applied Epic is the industry standard. If you're adding claims automation to your existing AMS, Regure layers on top.
Does Applied Epic have claims functionality?
Yes, but limited. Applied Epic tracks basic claim information (date of loss, status, claimant, adjuster assignment) and stores claim documents in folders. It doesn't provide AI document classification, workflow automation, team collaboration tools, or compliance-grade audit trails. For policy-light retail agencies with minimal claims, Applied Epic's basic functionality may suffice. For claims-heavy operations, Regure adds the automation capabilities Applied Epic doesn't provide.
Can we use Regure without Applied Epic?
Yes. Regure operates standalone for brokers, MGAs, and TPAs who don't use Applied Epic or who use different AMS systems (AMS360, Hawksoft, QQCatalyst, Sagitta). Regure integrates with most major broker platforms via API. The integration adds value by pulling policy/client context, but it's not required — Regure provides complete claims automation independently.
What's the implementation process for adding Regure to Applied Epic?
14 days for standard deployment, 3-4 weeks with full Applied Epic integration. The process: (1) Regure team maps your Applied Epic data schema to identify policy, client, and claim field mappings, (2) API integration configured with bi-directional sync, (3) Document classification training on your claim types and workflow templates configured, (4) User training and go-live. No Applied Epic customization required — Regure connects via standard Applied API.
Which brokers benefit most from adding Regure to Applied Epic?
Three profiles: (1) Program administrators managing high-volume niche claims (construction defect, transportation, workers comp), (2) Brokers with delegated claims authority processing claims on behalf of carriers, (3) Wholesale brokers managing complex commercial claims requiring extensive documentation and multi-party coordination. If your claims volume is low (under 50/month) and simple, Applied Epic alone may suffice. Above that threshold, Regure delivers measurable ROI.
See how Regure integrates with Applied Epic
Book a 20-minute demo using your actual Applied Epic data. We'll show you how claims, policies, and client information flow between systems — and demonstrate document AI, workflow automation, and team collaboration on top of your existing AMS.