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Errors found before issuance
A discrepancy between what was bound and what the carrier issued gets caught while it can still be corrected.
Applied Epic® Policy checking
Catch policy discrepancies before they become E&O claims
Check every issued policy against the quote, binder and prior term behind it, and see exactly where they differ. The evidence comes with each finding.
Policy discrepancies surface before claims do
A policy that doesn't match what was bound is a claim waiting to happen. Most discrepancies between the issued policy and the coverage you bound surface only when a claim does, and by then the fix costs more.
Policy checking runs the analysis inside Applied Epic, so checking is a workflow step, not a second system or an outside service.
Key benefits
What AMS-native policy checking changes for a commercial lines team
More of the book checked
Checking every policy becomes practical, so coverage accuracy doesn't depend on which accounts someone had time to review.
Checking cost brought in house
Work that went to an outside review vendor runs as a step in your own workflow, on your own schedule.
Proof of what was reviewed
Each completed check attaches to the account with the sources compared and the reviewer's name, which is what an E&O defense needs.
Compare the issued policy against everything it should match
How it works
Choose what the policy gets checked against
Set the issued policy as the primary document, then add the quote, submission, binder or prior term.
See the evidence
Follow every discrepancy back to the page it came from, and confirm the finding without reopening the source.
Work from Applied Epic attachments
Pull source documents straight from the account's attachments, with no download and re-upload into a second system.
Turn each finding into a decision on the account
How it works
Act without leaving the findings
Update the policy, log an Applied Epic activity or generate a client-ready summary from the findings.
Track every comparison
Give each check a status of new, in progress or reviewed, plus the name of whoever ran it.
Prove what was checked
Attach completed results to the account, showing which sources were compared, what was decided and by whom.
Key features at a glance
Policy check is only as good as the documents it can read and the note left behind.
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Bind-stage check
Confirm what was actually bound by comparing the bind order and final carrier quote before the issued policy ever arrives.
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Renewal comparison
Check a renewal policy against the expiring term and its endorsements, so you know exactly what the carrier changed this year.
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Mid-term endorsements
Endorsement documents go up against the change request and the policy they amend, confirming the carrier made the change you asked for.
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ACORD form coverage
A library of roughly 60 ACORD forms, plus non-ACORD sources like carrier proposals, SOVs and schedules that agencies receive mean most documents can be read.
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Built for CL volume
Sized for mid-market commercial lines: multiple document stacks, several sources in each, and policy sets that run into the hundreds of pages.
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Reviewer notes
Leave a note on any finding explaining what you decided and why. The next person reading the file will not have to reconstruct it.
AI automation built into Applied Epic
Epic Conductor puts AI to work across the assembly line of insurance, wiring together workflows in placement, servicing, accounting, and renewals to take manual, redundant work out of your day. It runs directly inside Applied Epic, using the data, records, and permissions you already have set up. Your team hands off the rekeying and searching, and spends more time growing the top line and doing the advisory work you know best.
What customers see from Applied Epic policy checking
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55%
Still checking by hand
Among surveyed Epic customers that check policies, the share doing it all by hand.
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3-5 min
Per automated policy check
Average time from uploading the dec page to findings against the Epic policy record.
Frequently asked about Applied Epic policy checking
Automated insurance policy checking compares an issued policy against the documents that define what it should say: the quote, submission, bind order and prior term. Applied Epic policy checking uses AI to read each document, extracts the fields that matter, and reports every difference for confirmation.
A coverage gap between what you bound and what the carrier issued is one of the most common sources of an errors-and-omissions claim. Catching it at issuance turns a claim into a correction. Checking every policy, rather than a sample, is how the exposure comes down.
Policy management is the work of running a policy through its lifecycle: issuing it, endorsing it and renewing it. Policy checking is the quality step inside that work, verifying the document matches what was agreed before anyone relies on it. Applied Epic handles both.
You pick the issued policy, add the documents it should match, and start the run. Findings come back grouped by what differs, each one linked to the page it came from. You confirm or dismiss each finding, add a note where the reasoning matters, and mark the check complete.
Yes. Applied Epic surfaces where documents disagree and shows its evidence; a person decides what each finding means and what to do about it. Nothing is corrected on its own. The run records who reviewed it, so the account file shows the decision and the name behind it.
Ready to catch discrepancies at issuance?
See how Applied Epic checks and compares a commercial lines policy to what was bound, and what the analysis surfaces.