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Why Applied

Insurance runs on connections. Applied makes yours compound.

Applied builds for insurers, MGAs and brokers, and for the work that moves between them. That has been the company’s whole job since 1983.

Insurers, MGAs and the brokers who place with them

Applied serves insurers and MGAs across the UK, and the brokers and insurtechs who place business with them. Insurance work stalls between companies, not inside them. Applied conducts the insurance distribution and connected ecosystem that is transforming how risk flows between them.

Applied Riskhandler™

The underwriting platform insurers and MGAs use to build, price and distribute products, with rate, quote and bind and delegated authority controls in one place.

Explore Applied Riskhandler

Applied Rating Hub

The connectivity and data exchange platform that puts insurer rates in front of brokers and insurtechs, and gives insurers a direct route into the broker channel.

Explore Applied Rating Hub

Your technology partner should already know how your market works

A new platform can look impressive in a demo. Running your products on it is harder. It has to hold your rates and rules, work inside the systems your underwriters and brokers use every day, and stand up to audit.

Applied already runs both sides of that work in the UK. Insurers and MGAs build, price and distribute products in Applied Riskhandler, and Applied Rating Hub carries those rates out to the brokers and insurtechs who place business with them. Your product moves from your underwriting rules to a broker quote with one company behind it.

Applied has built for this industry since 1983, and the MGA launching its first product works with the same company as the established insurer.

We have always shown up in person

The company started with a bet. Bob Eustace and a few friends put everything on a machine most of the industry had never seen, built the first PC-based agency management system, drove it out to brokers, set it up on the desk, and stayed until it worked. Forty-three years later that is still the job. 

Applied specialists help your team adopt the platform by role, at go-live and as new functionality ships. Applied University provides role-based training, and the Applied Community connects you with peers and brings their experience into product conversations with us. Support stays on a problem until it closes.

Proof for distribution and AI

Simple credit control and accounts management minimised administrative overheads and impressed both the internal team and external brokers. Another highlight was Riskhandler’s quick onboarding process, especially the ability to activate brokers within an hour.

Geoff Beggs
Geoff Beggs Chief Operating Officer Fastnet Underwriting

When we heard about Applied Rating Hub and saw brokers moving to Applied's platform, we wanted to be part of that. It's a genuinely unique proposition that gives brokers back control over their own technology and trading journey.

Jordan Barnard Head of Strategy Paragon

Working with Applied gave us a fast, efficient way to integrate with our chosen underwriters, which meant we could rapidly build this unique proposition for SuperSaveClub members.

Jason Wilby
Jason Wilby Co-Chief Executive Open

Questions buyers ask us

Applied Systems is an insurance software company. Insurers and MGAs use our underwriting, rating and AI products to build and distribute their products. Brokers and insurtechs use our connectivity to reach those insurers, and existing customers run their brokerage on Applied Epic. We have been doing it since 1983, in seven countries.

Applied works on both sides of the broker channel: the insurers and MGAs that build and price products, and the brokers who place business with them. That is why Applied can work on the parts of insurance that sit between companies, where most of the delay lives.

Applied Rating Hub connects brokers and insurtechs to insurer rates, and Applied Riskhandler distributes products through broker extranets and broker system integration. Applied also publishes APIs and certified integrations for the rest of your stack.

Applied builds for both ends of the market. Applied Rating Hub connects all sizes of insurers to broker and insurtech portals. Applied Riskhandler is built for insurers, MGAs, coverholders and other delegated authority underwriters, and lets a smaller MGA build and launch products without its own IT project. Which setup fits depends on the products you write and how you distribute them, not on your headcount.

Every customer gets Applied University for role-based training and the Applied Community for peer answers, plus a support team that stays on a problem until it closes.

Your data stays yours. Applied runs on audited cloud infrastructure with ISO/IEC 27001 certification and SOC 1, SOC 2, and SOC 3 reporting.

Start with the hard part 

Show us where the work slows down for you, inside your own team or between you and the brokers and insurers you trade with. That is where Applied starts.