United States
Canada (English)
United Kingdom
Ireland
More new business per producer
A producer can work more prospects in the same day, because one entry brings back the full market comparison.
Applied Epic®
Rate home and auto across every market you write
Rate one risk across every market from a single entry. Applied Rating Services connects to Epic, so results and leads flow to the client account.
Rekeying a risk invites a mistake
Every risk you rekey into a standalone rater is a chance to get it wrong. Client data is re-entered, the quote never reaches the account, and the market you skipped may have been the better fit.
Applied Rating Services rates the risk across your markets from one entry, and the results come back into Epic.
Key benefits
What connected personal lines rating changes for a Canadian brokerage
Retention through a rate increase
When an insurer raises the rate, remarketing the account is quick enough to actually do, so the client stays with your brokerage.
Rating in every package tier
Applied Rating Services comes with every Canadian Digital Brokerage Package tier, so rating is part of what your brokerage already licenses.
Fewer errors at bind
One entry feeds every market, so the same risk detail goes to each insurer instead of being retyped per portal.
Rate a personal lines risk across your markets in one pass
How it works
Enter the risk once, get multiple rates
Rate home, auto, condo, tenant and dwelling fire risks from a single entry of data. Cut every application time in half.
Reach every insurer in your panel at once
Send one entry to the markets you write, without re-keying the same details into portal after portal. One and done.
Compare premium and coverage side by side
Read price and coverage details together, so the comparison and the client conversation are easy and happen in one place.
Remarket a renewal without rebuilding the client from scratch
How it works
Requote the renewal across your markets
Run the renewing risk through every market again based on existing policy data. Test rate increases before revewal.
Evaluate the property as you rate it
Run building evaluation inside the rating workflow with ITV or EzITV, so replacement cost is settled at quote.
Lets consumers start the quote online
Let clients start a quote online and the details and lead land right in Epic to begin working. Work hot leads with ease.
Quoting software for insurance brokerages is judged on how fast you reach a rate and what the client sees.
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Lead import
Import a lead directly into Epic and start the quote from it, with your brokerage structure applied.
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Third-party data prefill
Risk data pulls from Canadian sources including CGI for Auto Plus, MVR and DASH reports.
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Branded client proposal
Generate a proposal from the quote, carrying your brokerage's branding, ready to send to the client.
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Quick compare export
Export the returned quotes side by side for the client or to save on the account.
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Payment options at quote
Down payment and installment options return with the rate, so billing questions get answered on the call.
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Quoting defaults by province
Set coverage defaults by province, so every quote starts from the right baseline for that market.
What customers see from Applied Rating Services
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<10 min
Less manual entry per quote
Enter a driver’s licence number and PreFill brings in details from previous policies.
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300%
More online leads
Go Insurance increased its leads after letting clients quote auto and property online with Web Rater.
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6x
Typical times Brokers re-quote each quote
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389 Million
Insurer quotes per year
Frequently asked questions about personal lines rating in Applied Epic
A comparative rater quotes one risk across multiple insurers from a single entry and returns the options side by side. Instead of visiting each insurer site and rekeying the same driver, vehicle and property details, your team enters the risk once and compares live rates in one view.
Applied Rating Services is the personal lines comparative rater Canadia brokerages use with Applied Epic. It runs on the FORTUS rating engine and is BMS-agnostic, so it also serves brokerages on other systems. Account managers use it to requote renewals across markets, and producers use it to rate new business on home, auto and dwelling fire.
Applied Rating Services rates home, auto, condo, tenant and dwelling fire risks. Insurer availability varies by province and shifts as market relationships change. In British Columbia, Manitoba and Saskatchewan, mandatory auto runs through the government insurer, so rating there applies to optional coverage and to the other lines you place.
Applied Epic Quotes Personal Lines is in development for Canada. Auto entered pilot in July 2026, a home pilot follows in the third quarter, and general availability for both is targeted for the first quarter of 2027. Until then, Applied Rating Services is the personal lines rating connection for Canadia brokerages on Applied Epic.
Go deeper on personal lines rating
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Webinar
Personal Lines Renewal Insights Home Pilot Kickoff
Learn about the PL Renewal Insights Pilot program and explore how these insights will change the renewal workflows.
View Now -
Report
Applied Rating Index
The Applied Rating Index™ is the Canadian insurance industry’s premium rate index. Released on a quarterly basis, Applied Rating Index measures average premium rates for Personal Auto and Property lines of business. This index is derived from rates generated in Applied Rating Services™ and covers more than 80% of the independent brokerage market and 675 insurer rating plans, offering the most complete depiction of premium rate trends across the Canadian market. Insights derived from the Applied Rating Index provide a data-backed reference point to determine competitive rates and renewal opportunities.
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Customer Success
Go Insurance
By implementing omnichannel customer service technology, Go Insurance has increased its leads by 300%.
Read Now
Ready to quote without the second system?
See one household quoted across your markets in minutes.