Expert Insured vs AMS360: Built for MGAs, Not Retail Agencies

Not all agency management systems (AMS) are built the same. If you’re running an MGA or wholesale firm, chances are you’ve tried to force-fit retail-focused platforms like AMS360 into a distribution model they weren’t designed for.

That’s where Expert Insured comes in. Built specifically for MGAs, carriers, and wholesalers, it’s engineered to manage complex submissions, bind authority, accounting, and compliance – all in one place.

This blog compares Expert Insured vs AMS360 and explains why more delegated authority programs are making the switch.

Key Differences Between Expert Insured and AMS360

Feature	Expert Insured	AMS360
Target User	MGA, Carrier, Wholesaler	Retail Agency
Submission Intake	Built-in, multi-carrier	Manual or bolt-on
Quote & Bind	Integrated via RQB or custom rating	External
Carrier Management	Multi-program with bind rules	Basic
Accounting	Custom for delegated authority (incl. bordereaux)	Retail agency focus
Renewals	Automated with compliance triggers	Manual workflows
Audits & Reports	MGA-specific compliance reporting	Standard agency reporting
Implementation	Cloud-based, fast deployment	Desktop or hosted, longer setup

Why AMS360 Doesn’t Fit MGA Workflows

AMS360 is a strong platform for retail agencies, but has limitations when it comes to MGA complexity:

• No built-in way to manage multiple carrier programs
• Manual workflows for quoting, binding, and compliance
• Difficulty configuring bordereaux or insurer-level reporting
• Limited controls around underwriting authority or multi-user review

The result? Your team builds workarounds in spreadsheets or hires extra ops just to manage volume.

Why MGAs Prefer Expert Insured

1. Submission and Quoting Built-In
   Expert Insured connects directly with RQB to automate submissions, rate via APIs or rating sheets, and bind instantly-no double data entry.
2. Multi-Carrier Program Logic
   You can configure separate rules per carrier program, set authority levels, and manage bind vs refer logic with audit logs.
3. Integrated Accounting for MGAs
   Unlike retail-focused systems, Expert Insured includes integrated invoicing, policy premium tracking, bordereaux generation, and trust accounting.
4. Audit and Renewal Automation
   Track upcoming renewals, automate reminders, and generate reports for carriers-all from one system.

Test Case: MGA Migrates from AMS360 to Expert Insured

A mid-sized MGA specializing in General Liability and Excess Liability was using AMS360 with spreadsheets to track submissions, quotes, and binds.

Challenges:

• Quotes from multiple systems
• No central audit trail or submission tracking
• Manual data re-entry between quoting and issuance
• Renewal prep took weeks each cycle

After migrating to Expert Insured:

• All submissions fed into one dashboard
• Quotes generated using RQB logic
• Bound policies pushed into the integrated accounting module
• Renewals triggered automatically
• Reports generated with one click for carrier audits

The team reduced headcount by 30% and doubled throughput without expanding systems.

FAQs: Expert Insured vs AMS360

Can Expert Insured handle multi-carrier distribution?
Yes. It’s built for delegated authority environments where programs, rates, and workflows differ by carrier.

Does it support quoting and bin ding?
Yes. RQB powers the quote-bind engine and pushes data directly into Expert Insured.

Is there an accounting module?
Yes. Expert Insured includes full accounting, including invoicing, receipts, payables, and bordereaux exports.

What’s the difference in implementation time?
Expert Insured is cloud-native and usually deploys in 2–4 weeks. AMS360 requires desktop setup or third-party hosting, which takes longer.

Can we customize workflows?
Yes. You can create workflows per LOB, per carrier, and per user type with full control.

Conclusion

AMS360 is a trusted system for many retail agencies-but it simply wasn’t built for the demands of MGAs, wholesalers, and delegated programs.

Expert Insured bridges the gap with purpose-built tools for multi-carrier submissions, quoting, binding, accounting, and compliance. And when paired with RQB, it becomes a fully integrated platform to manage your business from intake to renewal.

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Still managing MGA operations in a retail agency platform?
Request a Demo of Expert Insured and see the difference.