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Expert Insured vs Federato: Platform that executes vs platform that prioritizes

Expert Insured runs quoting, policy administration, endorsements, renewals, and certificates for MGAs, wholesalers, and carriers. Federato helps underwriters prioritize work based on appetite and strategy.

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Expert Insured is a unified AMS for MGAs, wholesalers, and carriers with integrated RQB for commercial quoting and a full policy lifecycle in one system.

Federato is an underwriting orchestration product that prioritizes opportunities. It does not perform quoting, bind, or policy servicing inside its own product.

Platform Level Comparison

Platform Expert Insured Federato
Core Purpose Policy administration and operations for MGA and carrier programs, with integrated commercial quoting via RQB Orchestration and prioritization for underwriting teams
Workflow Ownership Submissions, quoting, bind handoff, issuance, endorsements, renewals, certificates, reporting Appetite alignment, prioritization lists, and visibility
Quoting and Bind Multi carrier commercial quoting through RQB with creation of policy records in the AMS Relies on separate raters and policy systems for quoting and bind
Policy Administration End to end policy lifecycle including endorsements, audits, cancellations, reinstatements, and renewals Outside scope. Policy changes occur in other systems
COIs and Documents Certificate generation, delivery tracking, and document repository tied to accounts and policies Outside scope
Automation and AI OCR and AI assisted intake, routing, and task creation within policy workflows AI for risk appetite and prioritization, orchestration dashboards
Integrations APIs for carrier portals, CRMs, finance, and data exchange. Works with AMS360, Epic, and other systems where needed Integrates with PAS, data platforms, and CRMs to display and orchestrate work
Reporting and Audit Operational dashboards, SLA style timestamps, and audit trails across quoting and policy tasks Portfolio and pipeline visibility for prioritization and monitoring
Security and Hosting Cloud hosted on Azure, role based permissions, MFA options, audit logs SaaS with role based access. Exact controls vary by deployment
Deployment Typical pilot in about one to two weeks depending on data and scope Deployment timelines vary by integrations and data sources

What Federato Does Well

  • Prioritizes opportunities against risk appetite
  • Surfaces where to focus underwriting effort
  • Provides orchestration and visibility for leadership

We operate on a single loop, the Selectsys Value Flywheel, that connects people, process, and platform.

What Federato Does Not Cover

  • Quoting and bind are performed in other systems
  • Endorsements and renewals are performed in other systems
  • Certificates and policy documents are generated in other systems

What Expert Insured Covers

  • Intake to action for submissions with structured records
  • Commercial quoting via RQB and bind handoff to policy records
  • Issuance, endorsements, renewals, and certificates within one AMS
  • Program centric reporting for MGA and carrier operations

Use Case Snapshot

Use Case Expert Insured Outcome Federato Outcome
Submissions Intake classified, routed, quoted, and recorded to account and policy Prioritized on a worklist for underwriters
Commercial Quoting Quotes produced in RQB, terms compared, and bind handoff initiated Uses external rater or PAS. Orchestration only
Endorsements Change entered, forms produced, approvals tracked, and record updated Managed in other systems. Orchestration only
Renewals Accounts queued, data refreshed, proposals generated, and policy updated Renewal items visible for prioritization. Execution occurs elsewhere
Certificates COIs generated from policy data with delivery tracking Outside scope

FAQs

Expert Insured is an AMS for MGAs, wholesalers, and carriers. Federato is an orchestration layer for underwriting teams. Buyers often evaluate both when deciding between an execution platform and a prioritization tool.
Yes. Expert Insured includes integrated commercial quoting through RQB with handoff to policy records.
Federato focuses on orchestration and prioritization. Quoting and policy changes are performed in other systems.
Yes. Some teams may use Federato for prioritization and Expert Insured for execution. Expert Insured can consume prioritized queues via API and complete the related tasks.
Expert Insured is built for MGAs, wholesalers, and carriers. It is not positioned as a retail agency system.

Closing Summary
Choose Expert Insured if you need a platform that executes quoting, bind, endorsements, renewals, and certificates with policy records and reporting in one system. Choose Federato if you need orchestration and prioritization to guide underwriter focus while continuing to execute in other systems.

Disclaimer
All trademarks, product names, and company names are the property of their respective owners. Comparisons are based on publicly available information and typical configurations. Actual features and timelines vary by version, region, and implementation.

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Recommended Next Steps

If you are comparing Federato with a full operating platform, the pages below outline how Selectsys brings together quoting, policy administration, automation, and operational support rather than focusing solely on underwriting decisioning.

If you want to understand how Selectsys replaces standalone tools and isolated outsourcing with a cohesive lifecycle model, the operating model page explains how the full stack works together.

AI That Decides is Good. AI That Delivers is Better.

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