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Expert Insured vs Insurity: Comparing Modern AMS and PAS Solutions for MGAs and Carriers

Both Expert Insured and Insurity offer platforms that help insurers and MGAs modernize policy administration and improve data accuracy.

Insurity has deep roots in enterprise policy systems for carriers, while Expert Insured focuses on MGAs, delegated carriers, and wholesale programs that need faster deployment and flexible scaling.

This comparison breaks down their differences in technology, implementation, analytics, and operational fit.

Overview

Feature Expert Insured (Selectsys) Insurity
Core Focus MGAs, delegated carriers, wholesalers Carriers and large insurers
Deployment Cloud-native on Azure Cloud-hosted or on-premise (varies by product line)
Implementation Time Weeks Months to a year
Best For MGAs, program administrators, and mid-market carriers Large carriers managing multiple product lines
Integration Model API-first with RQB and BPO integration Modular, customizable, partner-driven
Operations Layer Built-in through Selectsys BPO Pods None (requires separate operations support)

Platform Design

Expert Insured: was created for organizations that handle delegated authority, bordereaux reporting, and multi-carrier programs.
It connects quoting, policy issuance, and servicing under one environment, removing the need for multiple disjointed systems.

Insurity: delivers robust policy administration, billing, and analytics modules that are highly configurable but typically require longer setup and integration work.
It is ideal for enterprise carriers managing diverse books of business.

Verdict: Expert Insured is streamlined for MGAs and delegated programs, while Insurity caters to large insurers with complex portfolios.

Implementation and Time to Market

Expert Insured prioritizes speed. The platform’s Starter Package combines RQB (for quoting), EI (for policy and forms), and BPO Pods (for operations), allowing MGAs to go live within weeks. Adjustments and carrier onboarding can occur incrementally.

Insurity implementations are longer because of customization, data migration, and integration across multiple carrier systems. While its configurability is strong, the setup is heavier for smaller teams or single-program MGAs.

Verdict: Expert Insured deploys faster and is easier to maintain for program launches and delegated authority workflows.

Quoting and Rating

Expert Insured integrates directly with RQB (Rate • Quote • Bind), enabling MGAs to build and adjust rating logic through simple configuration. It supports multi-carrier quoting, appetite rules, and automatic bind-pack generation.

Insurity offers powerful rating engines but is typically implemented by carriers with dedicated technical teams. MGAs or smaller carriers may find the configuration process resource-intensive.

Verdict: Expert Insured provides faster and more accessible quoting control for MGAs and mid-size carriers.

Policy Administration and Lifecycle

Expert Insured manages the complete policy lifecycle: issuance, endorsements, renewals, cancellations, and accounting. It includes an automated Forms Engine that generates policy and endorsement documents while maintaining an audit trail for compliance.

Insurity provides comprehensive policy management as well, with strong billing and claims modules. However, its enterprise scale may be more than most MGAs require and demands a larger team to manage updates.

Verdict: Both are capable, but Expert Insured offers a better balance of automation and simplicity for delegated programs.

Analytics and Reporting

Expert Insured includes embedded dashboards that track quoting speed, hit ratios, SLA compliance, and Policy Quality Index (PQI). This gives MGAs and carriers visibility into every stage of their workflow.

Insurity offers advanced analytics and predictive modeling for carriers through its data products. These tools are powerful but depend on specialized setup and data science resources.

Verdict: Expert Insured provides ready-to-use analytics, while Insurity offers deeper enterprise analytics that require longer configuration.

Operations and Scalability

Expert Insured extends its technology with Selectsys BPO Pods, providing trained insurance teams that manage submissions, renewals, audits, COIs, and FNOL. This helps MGAs scale operations immediately after launch.

Insurity focuses strictly on technology and does not include an operations component. Clients must handle staffing and service management separately.

Verdict: Expert Insured combines technology and manpower to deliver faster scalability.

Security and Compliance

Expert Insured runs on Microsoft Azure with SOC compliance, encryption, and audit-ready access controls. It meets regulatory standards for MGAs and carriers managing delegated programs.

Insurity offers secure infrastructure as well, though compliance levels vary across product lines and hosting models.

Verdict: Both platforms are secure, but Expert Insured offers a consistent compliance framework with faster audit readiness.

When to Choose Each

Choose Expert Insured if you:

  • Need a single platform for Quote → Issue → Service
  • Manage delegated programs or bordereaux reporting
  • Want integrated operations and faster go-live timelines
  • Require analytics without large data infrastructure investment

Choose Insurity if you:

  • Operate as a large carrier or TPA managing multiple products
  • Have in-house technical resources for heavy configuration
  • Need advanced data science and predictive analytics tools
  • Plan long-term enterprise system consolidation

Key Takeaway

Both platforms improve policy management and operational transparency, but they serve different audiences.

  • Insurity fits large carriers with extensive product portfolios and dedicated IT teams.
  • Expert Insured provides a streamlined, unified system for MGAs and delegated carriers that need to move fast, stay compliant, and scale efficiently.

For most program administrators, Expert Insured offers the right balance of technology, automation, and operational support.

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