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Tarmika review and pricing

Applied Systems commercial-lines comparative rater (formerly Applied Tarmika).

By Tarmika (Applied Systems) · Founded 2014 · Boston, MA · pe backed

Tarmika (formerly Applied Tarmika after the Applied Systems acquisition) is the commercial-lines comparative rater and appetite engine in the Applied portfolio. Where EZLynx Rating dominates personal lines, Tarmika focuses on small commercial: BOP, GL, workers comp, commercial auto, and commercial property quoting across multiple carriers. The product is narrower than a full AMS, it is primarily a quoting and appetite-matching layer that bolts onto Applied Epic or other AMS systems. Strengths: real commercial-lines comparative rating depth, strong carrier appetite-matching, integration with Applied Epic. Best fit for commercial-lines-heavy agencies and small-commercial producers that need to quote across multiple carriers quickly. Trade-offs: not a full AMS on its own, narrower than EZLynx for personal lines, and Applied portfolio pricing dynamics apply.

Best for

Commercial-lines-heavy independent agencies and small-commercial producers that need to quote BOP, GL, workers comp, and commercial auto across multiple carriers without leaving one platform.

Worst for

Personal-lines-heavy agencies (EZLynx better), agencies wanting a full AMS in one product (Applied Epic, AMS360, HawkSoft, NowCerts better), or buyers avoiding Applied portfolio lock-in.

Vendor Trust Score

Is Tarmika a trustworthy vendor?

6.1/10
Mixed
Pricing transparency
Published rates; no hidden fees
4.0
Contract fairness
Reasonable terms; no auto-renew traps
6.0
Incident response
How they handle outages and breaches
7.0
Post-acquisition behavior
Customer treatment after M&A or PE
6.0
Executive stability
Leadership churn over 24 months
7.0
Roadmap honesty
Public commitments held
6.5
Trust signal log
  • 2020-02-04
    Acquired by Applied Systems
    Brought small-commercial comparative rating into Applied portfolio alongside EZLynx personal-lines rating.
Vendor Trust is scored independently of product quality. A great product from an unfair vendor still earns a low trust score.
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Editorial: Strengths

  • Real small-commercial comparative rating across multiple carriers
  • Strong carrier appetite-matching engine
  • Integration with Applied Epic and other AMS systems
  • Reduces small-commercial quote time materially

Editorial: Weaknesses

  • Not a full AMS on its own
  • Narrower than EZLynx for personal-lines workflow
  • Applied portfolio pricing dynamics apply
  • Carrier rating connection availability varies by state and class

Key features & integrations

  • +Small-commercial comparative rater
  • +Carrier appetite-matching
  • +BOP, GL, workers comp, commercial auto quoting
  • +Applied Epic integration
  • +Quote-to-bind workflow
50+ integrations
Applied EpicIVANSACORDEZLynx
Geography supported
United States
Best fit
5-200 employees · Commercial-lines-heavy independent agencies
Vendor trust

Tarmika trust score

6-dimension scorecard, dated, separate from product quality.

Worst for

Who shouldn’t buy Tarmika

Editorial verdict on the buyers it’s the wrong fit for.

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Editorial deep-dive

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