SelectHub compares AMS360 and Applied Epic for agency management buyers

AMS360 starts at $99 per user per month, while Applied Epic starts at a $1,000 one-time fee. In SelectHub’s June 22, 2026 comparison, AMS360 and Applied Epic are mature agency management systems that both cover reporting, workflow automation, policy management, claims, billing, customer relationship management, and cloud access. The harder decision is not whether the software can run the agency, but which operating model it supports without adding drag. AMS360 leans into Vertafore’s connected ecosystem and reporting discipline, while Applied Epic leans into customization and broader role-based flexibility for more complex organizations.

How SelectHub frames the choice

SelectHub’s comparison is built on a 400-plus point analysis, user reviews, and crowdsourced selection data. The two platforms sit close together on core functionality, so the buyer question becomes one of fit rather than feature presence. In that framework, AMS360 is treated as the better fit for agencies already invested in Vertafore, while Applied Epic is positioned for larger agencies that need to tailor workflows, screens, and data fields more extensively.

The selection is not just about what a system can record, but how much reporting depth, customization, and integration overhead the agency is willing to carry over time. When those trade-offs are ignored at purchase, they usually reappear later as retraining, manual workarounds, and migration costs.

What both platforms cover

Both systems sit in the same core category, and that is why many buyers cross-shop them. Reporting, automation, billing, policy administration, claims, CRM, and cloud access all show up in the standard agency management checklist. Baseline capabilities are mature on both sides, which means the real operational question is how the platform behaves once the agency begins adding specialties, locations, and complex workflows.

The more relevant test is whether the system can support financial reporting, daily service work, and the handoffs between sales, servicing, and accounting without forcing the team into constant clicks or third-party patches.

Where AMS360 fits

Vertafore presents AMS360 as a system that connects people, processes, and data in one management platform, with accounting tools for billing, commission tracking, and financial reporting. Vertafore also places AMS360 inside AgencyOne, which ties together AMS360, other Vertafore solutions, and third-party tools into connected workflows across sales, servicing, accounting, and operations.

Vertafore said in 2018 that AMS360 was used by 17% of independent agencies in the United States. In 2025, Vertafore also said G2 ranked AMS360 #1 in Best Financial Services Software Products for 2025.

G2’s 2026 comparison surfaces recurring complaints about lack of user-friendliness and excessive clicking.

Where Applied Epic fits

Applied positions Epic as a browser-native platform that can manage all roles, locations, and lines of business, including P&C and benefits. Applied says Epic Dashboards provides interactive reporting and analytics embedded directly in Applied Epic.

Epic is aimed at agencies that need to accommodate multiple offices, multiple business lines, and a higher degree of process variation. Applied said on February 19, 2025 that seven of the top 10 largest brokers ranked by Business Insurance in 2024 had chosen Applied Epic.

G2’s 2026 comparison rates Applied Epic at 4.4 stars and AMS360 at 4.3 stars, but the review themes around Epic still highlight learning curve and complex process.

Pricing and operating model

The different entry structures reflect two different consumption models, with AMS360 leaning toward recurring per-user economics and Epic signaling a different entry structure that buyers need to translate into total cost over time.

For finance teams, the more meaningful question is how each pricing model interacts with implementation, training, and integration work. A lower monthly entry point does not guarantee lower total cost if the agency later needs more middleware, more configuration, or more staff time to keep processes clean. Likewise, a one-time fee does not mean simple ownership if the agency must invest heavily in change management to use the system well.

What the review data and market signals add

The review layer mostly confirms the segment split that product pages already suggest. AMS360 picks up praise when buyers want reporting discipline and a dependable path through the Vertafore stack, but complaints about clicking and usability show the cost of older process density. Applied Epic gets credit for capability and control, but its learning curve and process complexity make it a heavier lift for teams that want simplicity first.

Taken together, the market signals point to two distinct buyer profiles. AMS360 is the more natural conversation for independent agencies that want to stay within Vertafore’s ecosystem and keep accounting, commission, and reporting tightly connected. Applied Epic is the stronger conversation for larger brokerages, multi-location groups, and commercial-heavy agencies that need broader customization and browser-native access across roles and lines.