# Tarmika

> Commercial lines quoting technology enabling insurers to expand distribution channels

## At a glance

| Field | Value |
| --- | --- |
| Category | Distribution & Sales |
| Type | Solutions Provider |
| Region | NA |
| Headquarters | Woburn, MA |
| Founded | 2017 |
| Stage | Acquired |
| Employees | 11-50 |
| Funding | Bootstrapped (Acquired by Applied Systems, Aug 2022) |

## Overview

Tarmika is a commercial insurance technology company that develops quoting technology for the commercial lines market. Founded in 2017 by Raghav and Geetha Sreedhar, the Woburn, Massachusetts-based company created an online platform using API and RPA technology to create a digital marketplace for insurance agencies.

The platform enables agencies to work with multiple insurance companies in real time for commercial lines quoting. Tarmika's core products include Bridge, an agency-based commercial lines comparative rater, and Tunnel, an embedded insurance solution.

In August 2022, Tarmika was acquired by Applied Systems, the leading provider of agency management systems. Post-acquisition, the company launched Tarmika Insured, a next-generation embedded commercial insurance solution, in June 2024.

## Products & services

### Tarmika Bridge

Agency-based commercial lines comparative rater for real-time quoting.

**Key features:**

- Multi\-carrier commercial quoting
- Real\-time rate comparison
- API and RPA integration
- Streamlined submission process

*Target users:* Commercial Lines Agents, CSRs

### Tarmika Tunnel

Embedded insurance solution for digital distribution.

**Key features:**

- Embedded commercial insurance
- White\-label integration
- Digital quote\-bind\-issue

*Target users:* Digital Platforms, Agencies

### Tarmika Insured

Next-generation embedded commercial insurance solution launched in June 2024.

**Key features:**

- Enhanced embedded capabilities
- Applied Systems integration
- Streamlined digital distribution

*Target users:* Agencies, Digital Partners

## Category & focus

- Subcategories: Commercial Lines, Comparative Rating, Embedded Insurance
- Insurance verticals: Commercial P&C, SMB
- Target customers: Independent Agencies, Carriers

## Notable customers

- White & Associates Insurance \(Oct 2024\)
- Cold Creek Insurance Agency \(Aug 2024\)
- The Hartwell Corporation \(May 2024\)

## Links

- Website: <https://www.tarmika.com>
- Directory profile: <https://insurtechlist.com/companies/tarmika/>
- Linkedin: <https://www.linkedin.com/company/tarmika>

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*Last updated: 2026\-03\-25*