Expert Insured vs AMS360: Built for MGAs, Not Retail Agencies
Not all agency management systems are designed for the same type of business. AMS360 is excellent for retail agencies – but it struggles with the complexity of delegated authority.
Expert Insured, on the other hand, is built specifically for MGAs, carriers, and wholesalers. It handles submissions, underwriting, binding, accounting, compliance, and renewals – all in one connected platform.
Learn more → Expert Insured Platform Overview
The AMS360 Fit Problem
Retail agency systems like AMS360 were built for policy servicing and accounting at the retail level. But when MGAs try to run delegated authority programs on them, the cracks show quickly.
Manual intake. Bolt-on quoting. Limited carrier logic. Separate systems for accounting and compliance.
The result? Endless spreadsheets, redundant data entry, and growing operations headcount to compensate for inefficiency.
That’s why MGAs, wholesalers, and delegated carriers are moving to Expert Insured – a system designed from day one to handle underwriting authority, multiple carrier programs, and automated reporting.
Key Differences: Expert Insured vs AMS360
| Feature | Expert Insured | AMS360 |
| Target User | MGAs, Carriers, Wholesalers | Retail Agencies |
| Submission Intake | Built-in, multi-carrier | Manual or add-on |
| Quote & Bind | Integrated via RQB & carrier APIs | External or manual |
| Carrier Management | Multi-program, rule-based | Basic program setup |
| Accounting | Built for MGAs (trust, bordereaux, reconciliation) | Retail-focused |
| Renewals | Automated with compliance triggers | Manual workflows |
| Audits & Reporting | Delegated compliance & carrier-level | Standard agency reports |
| Implementation | Cloud-native, fast deployment | Desktop/hosted, longer setup |
See related comparison → Expert Insured vs AMS360
Why Expert Insured Works Better for MGA Workflows
1. Submission & Quoting in One Flow
Expert Insured connects directly with RQB (Rate • Quote • Bind) – automating submissions, rate calculations, and binding across multiple carriers with zero rekeying.
2. Multi-Carrier Logic for Delegated Programs
Configure individual rules, authority levels, bind vs refer logic, and audit logs for each carrier program – purpose-built for delegated authority.
3. Integrated Accounting for MGAs
Unlike retail AMS systems, Expert Insured includes:
- Policy-level invoicing
- Premium tracking
- Bordereaux generation
- Trust accounting and reconciliation
4. Automated Renewals & Audits
Trigger renewal reminders, generate compliance reports, and export data for carrier audits – all from a single interface.
5. Built to Scale Without Complexity
With embedded BPO integration (via Selectsys), MGAs can add operational capacity instantly – without adding headcount or extra systems.
Case Study: MGA Migration from AMS360 to Expert Insured
A regional MGA specializing in General Liability and Excess Liability was using AMS360 with spreadsheets to track submissions, quotes, and binders.
Challenges Before Migration:
- Quotes from multiple systems
- No centralized audit trail
- Manual re-entry between quoting and policy issuance
- Renewals taking weeks per cycle
After Implementing Expert Insured:
- Submissions consolidated into a single dashboard
- RQB-generated quotes with instant binding
- Policies fed directly into integrated accounting
- Renewals triggered automatically
- Carrier audit reports generated in seconds
Result:
The team reduced operations headcount by 30% while doubling throughput – without expanding infrastructure.
FAQs
Can Expert Insured handle multi-carrier distribution?
Yes. It’s purpose-built for delegated authority environments where workflows, rates, and bind logic vary by carrier.
Does it support quoting and binding?
Yes. Expert Insured integrates seamlessly with RQB for multi-line quoting, binding, and automated issuance.
Is accounting included?
Yes. It includes policy-level accounting, bordereaux, trust reconciliation, and carrier remittance tracking.
How fast is implementation?
Typically 2-4 weeks. Expert Insured is cloud-native, requiring no desktop install or external hosting.
Can workflows be customized?
Yes. MGAs can define custom workflows by LOB, carrier, or user role – with complete visibility and audit controls.
Why MGAs Choose Expert Insured
- Purpose-built for delegated authority and MGAs
- AI + automation for intake, underwriting, and renewal tracking
- Cloud-native speed – go live in weeks, not months
- SOC-2-ready compliance for carrier and regulatory audits
- Integrated BPO support for scalable execution
Keep Exploring
- Compare Pages: Expert Insured vs AMS360 | Expert Insured vs BindHQ
- Platform Overview: Expert Insured
- Quote Engine: RQB (Rate • Quote • Bind)
- Operating Model: Value Flywheel
Ready to Modernize Your MGA Operations?
Run your entire delegated authority business – from submissions to renewals – on a platform designed for you.
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Disclaimer
This article is for informational purposes. Comparisons are based on standard platform configurations and publicly available data.
All product names and trademarks are property of their respective owners and are mentioned for descriptive purposes only.
