How to Automate Applied Epic

Applied Epic is where an agency's book of business lives

Applied Epic is the agency management system from Applied Systems, and independent agencies run their whole day inside it, usually calling it just Epic. It is browser-based, and the one place where property and casualty, employee benefits and sales sit in one application, alongside accounting built for insurance.

What lives in it is the book. Every account, every policy on it, the coverages, the limits, the effective and expiration dates, the endorsements, the certificates issued against it, the open claims and the commission. Role-based dashboards give a producer, an account manager and a principal each a different view of the same record.

Everyone in the agency touches it. The account manager opens it before answering the phone, because the caller is asking about their policy. The producer works a renewal list out of it. When the book is worth eight figures in written premium, Epic is the asset rather than the software.

Servicing a policy is mostly waiting on other people

The work an agency actually does is less about writing policies than about getting things out of carriers.

A commercial client asks for a certificate of insurance naming their new landlord, and it has to go out today. A renewal is ninety days away, so the account manager needs five years of loss runs, and every carrier wants them requested somewhere different and returns them at a different speed. An endorsement went in three weeks ago and nobody knows whether it has been issued. A claim is open, the insured wants an update, and the adjuster does not return calls.

None of it is difficult; all of it is waiting, then checking, then waiting again. The account manager carries a mental list of what is outstanding with which carrier, and it is only as reliable as the day they are having.

Applied Epic

Loss runs in before the renewal meeting Requested from each carrier ninety days out and filed against the account, so the remarketing conversation starts with the numbers already there.

Claim status without chasing an adjuster Every open claim read off the carrier's own portal and written to the account, so the answer is ready when the insured calls.

Certificates drafted, never issued blind The account, the coverages and the limits gathered and the certificate prepared, with a person checking the wording against what the contract requires.

Epic automates the agency, not the carriers

Epic does a great deal of this on its own, and an agency should exhaust that before buying anything else.

Insurer connectivity through Ivans brings policy data down from carriers straight into the system, so an endorsement a carrier transmits lands on the account without anyone rekeying it. Workflow automation prefills data across screens and sends automatic email summaries as activity is logged. Applied Book Builder reads a commercial account and uses its business attributes, NAICS code and existing coverage to highlight the gaps worth quoting at renewal. Applied Recon extracts agency bill statements and reconciles them against what Epic says is owed.

All of it works on what a carrier has already agreed to send, or on what Epic already records.

The wall is the rest of the carrier relationship. Download does not cover every carrier or every line, and it carries the transaction rather than the conversation. It cannot log into an agent portal to see whether an endorsement was issued, pull last year's loss runs off the underwriting site, read the note the adjuster posted this morning, or check whether the premium finance company took the down payment. That is a dozen websites with a dozen logins, all written down somewhere in the agency.

Every open item with a carrier gets checked overnight

Give something the logins and the renewal calendar, and the file is built before anyone sits down with the client.

Ninety days out, loss runs requested from each carrier and the ones that came back filed against the account. Current status on every open claim, read off the carrier's own portal and written into the activity log, so the answer is there when the insured calls rather than after somebody chases an adjuster. Endorsements submitted more than a fortnight ago and still not issued, listed by carrier with the date they went in.

Certificates take the same shape. A holder emails asking for one, and the account, the coverages and the limits are gathered and the certificate drafted, waiting for a person to check the wording against the contract.

On the money side, a commission statement pulled from a carrier's portal and set against what Epic expected, with the differences named. Premium audits that have gone quiet. Policies due to expire with no renewal activity logged against them, which is the one report a principal actually wants on a Monday.

None of it needs a carrier to build anything. It needs somebody to open the site and look, every day, without forgetting.

Chasing a carrier is not underwriting

Reading a loss run and deciding what to remarket is the job. Getting the loss run is not, and that is where the week goes.

WebRun is an AI agent that works a real Chrome browser, signed in as you. It opens the carrier portal, requests the loss run, reads the claim status, checks the endorsement, and writes what it found back into Applied Epic or onto the list your team reads each morning.

It runs on your schedule in your own private environment, and a workflow can be locked to the carrier sites you name. Anything that leaves the agency is drafted and waits: a certificate to a holder, a renewal letter to an insured, a broker of record notice. A wrong certificate is a coverage problem, so a person signs it off.

The workflows below are already built, and each one names what it opens.