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Expert Insured and Guidewire Cloud both serve insurance organizations seeking to modernize underwriting, policy administration, and servicing.
The difference is scale and flexibility.
Guidewire is built for large carriers with enterprise infrastructure needs. Expert Insured, on the other hand, focuses on MGAs, delegated carriers, and program administrators that want speed, control, and simpler implementation.
This comparison helps you decide which system aligns best with your strategy for new programs and operations.
| Feature | Expert Insured (Selectsys) | Guidewire Cloud |
|---|---|---|
| Core Focus | MGAs, delegated carriers, wholesalers | Global carriers, enterprise insurers |
| Deployment | Cloud-native on Azure | Enterprise SaaS on AWS |
| Implementation Time | Weeks | 12–18 months typical |
| Best For | MGAs and carriers launching or expanding programs | Large carriers with multiple legacy system migrations |
| Integration Model | API-first with built-in quoting (RQB) and BPO integration | API ecosystem requiring partner-led configuration |
| Operations Layer | Direct execution via Selectsys BPO Pods | No operations integration (requires internal teams) |
Expert Insured: was designed to help MGAs and program carriers manage delegated authority programs quickly and affordably. It includes built-in quoting (RQB), policy management, and servicing support with Selectsys Pods, creating a closed-loop workflow.
Guidewire Cloud: is a powerful enterprise platform with extensive modules for underwriting, billing, claims, and analytics. However, it is often more system than smaller MGAs or delegated programs need and requires significant partner customization.
Verdict: Expert Insured offers agility and simplicity, while Guidewire provides enterprise depth for large carriers.
Expert Insured: deployments typically take weeks, enabling rapid go-live for new programs or lines of business. Configuration, carrier setup, and training happen in parallel, and updates can be deployed quickly.
Guidewire Cloud: projects require extensive planning, multi-vendor coordination, and long rollout cycles. It is ideal for carriers replacing multiple legacy systems, but over-complex for single-program MGAs.
Verdict: Expert Insured is faster to implement and easier to adapt for smaller or delegated entities.
Expert Insured: integrates with RQB (Rate • Quote • Bind) for instant multi-carrier rating and API-based appetite rules. It automates submissions, reduces manual rekeying, and enables carrier-driven rating logic.
Guidewire Cloud: offers advanced rating capabilities but typically relies on carrier-side development and partner configuration. For delegated programs, these steps can add time and cost.
Verdict: Expert Insured simplifies rating setup and ongoing maintenance for MGAs and delegated carriers.
Expert Insured: includes a full policy lifecycle system covering issuance, endorsements, renewals, cancellations, and accounting. It has a built-in Forms Engine that auto-generates documents and supports audit-ready tracking.
Guidewire Cloud: provides enterprise-grade policy administration with robust customization and integration options. It is highly capable but requires technical teams to maintain and manage workflows.
Verdict: Both are powerful, but Expert Insured is more accessible for smaller teams that prefer fast configuration over enterprise engineering.
Expert Insured: extends beyond software by connecting to Selectsys BPO Pods, trained insurance operations teams that work directly inside the system. Pods handle new business, renewals, endorsements, audits, and COIs under defined SLAs.
Guidewire Cloud: has no operational component. Carriers must maintain large internal teams or outsource to third-party BPOs separately.
Verdict: Expert Insured combines technology and execution, while Guidewire focuses strictly on software infrastructure.
Expert Insured: includes dashboards that measure policy quality, SLA compliance, and submission-to-bind ratios across RQB, AMS, and Pods. The system tracks both operational and underwriting performance for continuous improvement.
Guidewire Cloud: has strong enterprise reporting tools and data lakes but often requires separate analytics configuration and BI specialists.
Verdict: Expert Insured provides instant out-of-the-box insights, while Guidewire offers deeper but slower-to-deploy analytics.
Expert Insured: is hosted on Microsoft Azure with SOC-compliant controls, full encryption, and role-based permissions. It meets the security standards required for delegated programs and carrier audits.
Guidewire Cloud: delivers advanced enterprise-grade security and governance designed for multinational carriers. It exceeds regulatory requirements but includes features most MGAs will never need.
Verdict: Both are secure; Expert Insured provides right-sized compliance without enterprise overhead.
Choose Expert Insured if you:
Choose Guidewire Cloud if you:
Both Expert Insured and Guidewire Cloud improve insurance operations, but they target different scales.
For most mid-market MGAs, Expert Insured provides a faster, simpler, and more cost-effective way to connect quoting, policy, and servicing.
Comparing Expert Insured with Guidewire usually highlights one major difference: Guidewire is a carrier-grade platform built for enormous enterprises, while Expert Insured is designed specifically for MGAs and program administrators who need speed, underwriting flexibility, and cleaner lifecycle execution without enterprise overhead. Once you reach the end of the comparison, the real picture becomes clearer when you look at how the rest of the Selectsys ecosystem supports the full operating model behind Expert Insured.
The best place to understand that is RQB, our multi-carrier quoting and rating engine built for programs that need agility, not multi-year configuration efforts. With RQB, MGAs can roll out appetite changes, pricing logic updates, and new-program quotes far faster than large enterprise platforms are designed to allow. From there, Expert Insured handles the entire policy lifecycle — underwriting support, endorsements, forms management, renewals, tasks, and reporting — without the heavy lift associated with enterprise platforms.
If your teams spend hours retyping submission data into systems, AI OCR & Submission Automation eliminates that problem by converting inbound documents, emails, and intake packets into structured, ready-to-use data. And when underwriters need faster decision-making without sacrificing accuracy, AI Assist applies rules, guidance, and workflow intelligence directly into the policy record to speed up the processing of every submission.
To understand how these tools operate in unison, the Value Flywheel outlines the Selectsys operating model — RQB handles quoting, Expert Insured manages lifecycle execution, automation handles repetitive work, and trained BPO teams support operational throughput. Each layer reinforces the next, creating a compound efficiency effect that simply isn’t possible with monolithic enterprise systems.
For MGAs wanting a lighter entry point, the Starter program provides a fast path into Selectsys without committing to the largest configuration footprint.
On the operational side, the solutions layer takes pressure off internal teams. Insurance BPO manages day-to-day tasks, while AI BPO merges automation with human oversight for high-volume operations. MGAs wanting full servicing coverage use Insurance BPO Operations, while distribution-driven programs rely on General Agent Outsourcing for producer support. Teams transitioning away from enterprise systems often use AMS360 Outsourcing or Applied Epic Outsourcing during migration to reduce manual workload.
Common bottlenecks like renewals, endorsements, and certificates are handled through Policy Renewal Support, Endorsement Processing BPO, and COI Processing Support. For clean data across systems, Download & Reconciliation Support keeps everything aligned. Submission-heavy MGAs avoid backlogs using Submission Intake & Triage.
Claims teams who don’t want to get bogged down in the early stages use Claims FNOL Assistance, while broader operations can scale using AI-Powered Back Office. Retail relationships are supported through Retail Agency Support, underwriting workloads expand via Underwriting Support Outsourcing, and larger MGAs take advantage of Policy Administration BPO, Claims Processing Outsourcing, and Back Office Support.
If you're comparing Expert Insured to Guidewire, the platform is only part of the story — the real advantage is Selectsys operating model as a unified stack that gives MGAs the cycle time, accuracy, and flexibility enterprise systems can't match.
To see how Expert Insured delivers speed and flexibility for MGAs and delegated carriers.