Applied Epic API

Overview

Applied Epic is the dominant agency management system for independent insurance brokers and managing general agents, used across commercial lines, personal lines, and specialty risks. It handles the full insurance lifecycle: client accounts, policy management, certificates of insurance, endorsements, claims tracking, and premium accounting. The platform's market penetration in mid-to-large independent agencies is substantial enough that insurtech platforms, commercial insurance automation tools, and carrier connectivity vendors routinely treat Applied Epic integration as a table-stakes requirement for serving the broker channel.

The REST API exists, but Applied Systems gates access through a formal partner program. There is no developer portal with self-serve account creation, no open application process with a published timeline, and no sandbox environment available outside the partner agreement. For most teams — an insurtech startup building a renewal automation product, a commercial lines quoting tool adding Applied Epic to its supported AMS list, or an AI agent platform that needs to read policy data on behalf of broker users — the partner program is a multi-month dependency that does not fit the development cycle.

Integuru generates a production-ready HTTP API for Applied Epic using direct HTTP requests against the same endpoints the Applied Epic web application uses internally. Policy records, client accounts, certificates, endorsements, and claims data are all reachable through Integuru's API without a partner agreement, and the Production plan's 24/7 on-call maintenance ensures session state and endpoint changes are handled before they affect your calls.

The web application layer. Applied Systems operates its partner REST API and its browser-based web application as separate surfaces. Integuru works at the web application layer, using the same authenticated HTTP requests the browser client sends. This is not a workaround; it is the same mechanism every Applied Epic user exercises when they open a policy record in a browser tab.

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Why Teams Need This Integration

The partner-only barrier creates specific blockers for the teams most likely to build on Applied Epic data.

Renewal automation and policy monitoring. Commercial lines renewals require pulling policy expiration dates, current limits, and premium figures across an agency's entire book of business on a scheduled basis. list_policies and get_policy_premium make this possible as a programmatic workflow rather than a manual export. Renewal platforms that already support other AMS systems are repeatedly blocked at the Applied Epic integration step because the partner API is not available to them.

Certificate of insurance automation. Certificate requests are one of the highest-volume manual tasks in a commercial lines agency. Clients, lenders, and project owners request certificates daily; agents produce them through the Applied Epic interface one at a time. list_certificates and get_certificate give external certificate automation tools — portals that let clients request and self-serve certificates, or platforms that push certificates to project management systems — structured access to the certificate data and holder records they need without touching the Applied Epic UI.

Claims tracking and reporting. list_claims and get_claim_detail allow claims management platforms, loss run aggregators, and carrier reporting tools to pull structured claims data for a client account. The absence of an accessible API means these workflows currently depend on manual exports or screen reading, neither of which scales to an agency managing hundreds of commercial accounts.

Insurtech and AI agent platforms. Insurance AI agents that assist brokers with account review, coverage gap analysis, or renewal recommendations need read access to current policy terms, endorsements, and premium data. Applied Epic holds this data for a large share of the commercial broker market. Without API access, these tools stop at the boundary of what the broker has manually exported.

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Insurance Workflows This Integration Covers

The ten planned actions cover the core data workflows for an independent broker agency or insurtech platform building on Applied Epic:

• Policy management: list_policies and get_policy_detail surface the full policy record including coverage terms, limits, deductibles, and premium breakdown. list_endorsements tracks mid-term policy changes with effective dates and premium impact.
• Client and account data: list_clients and get_client_detail give downstream systems a structured view of the agency's account roster, including linked policies, contacts, and assigned producer.
• Certificate operations: list_certificates and get_certificate support certificate automation tools and external certificate portals that need to read, display, and push COI data without manual agent involvement.
• Claims data: list_claims and get_claim_detail feed loss run reporting, claims management platforms, and carrier connectivity tools with structured claims data per account.
• Premium data: get_policy_premium retrieves current written premium, earned premium, and installment schedule for billing automation, premium finance platforms, and renewal pricing tools.

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Adjacent Integrations

Integuru already operates in the insurance vertical. The GTL integration provides production-ready HTTP API access to GTL's group life insurance enrollment portal, the live anchor integration for this vertical, demonstrating that Integuru handles insurance platform authentication and session management in production today. The Velocity integration covers borrower AML enrichment for lending and mortgage workflows, a pattern that shares the same credential management model as insurance platform integrations. The Wefunder integration covers 6 live actions across a gated financial platform with complex authentication flows, the same technical pattern that Applied Epic's session-based web application represents.