Softwr

Insurance · head to head

Bold Penguin vs NowCerts

Bold Penguin logo

Bold Penguin

Insurance

Business insurance marketplace for brokers

From
Free
Rated
-
Full reviewWebsite
NowCerts logo

NowCerts

Insurance

Agency management system for independent insurance agencies, now sold as Momentum AMP

From
$99/month
Rated
-
Full reviewWebsite

The short version

  • Only Bold Penguin has a free tier, so it costs nothing to try first.
  • Each has a real cost: Bold Penguin no public pricing available; entirely quote-based sales model; NowCerts the product was renamed to Momentum AMP in November 2024, so review sites, integration lists and consultant recommendations that still say NowCerts describe a product now sold under a different brand with a different strategy, and buyers checking references need to be sure which era they are hearing about.
  • They diverge on capability: Bold Penguin covers Multi-carrier quoting, NowCerts covers Policy and client management.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which Bold Penguin and NowCerts actually diverge.

Attributes where Bold Penguin and NowCerts differ
AttributeBold PenguinNowCerts
Starting priceFree$99/month
Pricing modeltransactionPer month by seat band
Free tierYesNo
Founded2019Unknown

Identical on both: platforms (Web, Ios, Android), user rating (Not yet rated), category (Insurance).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Bold Penguin

  • Multi-carrier quoting
  • Instant quotes
  • Online binding
  • Customer portal
  • Commission tracking
  • Mobile app
  • API access
  • Reporting

Only in NowCerts

  • Policy and client management
  • ACORD forms and certificates
  • Commission reconciliation
  • Insured self-service portal
  • Carrier download
  • Momentum Automation Center
  • Momentum Rate

What people use each for

The jobs each tool is most often brought in to do.

Bold Penguin

  • Routing and triaging commercial insurance submissionsnot NowCerts
  • Automating submission to bind through the Terminal platformnot NowCerts
  • Handling complex middle market submissions with SubmissionLinknot NowCerts
  • Policy checking with ClauseLinknot NowCerts

NowCerts

  • A five-person personal lines agency leaving spreadsheets and shared drives that needs certificates and ID cards issued without rekeying datanot Bold Penguin
  • An agency being repriced off Applied Epic or AMS360 that wants comparable core servicing at roughly a third of the seat costnot Bold Penguin
  • A commercial lines agency that issues certificates of insurance constantly and wants insureds pulling their own rather than emailing the account managernot Bold Penguin
  • A newly formed agency that wants an AMS, a comparative rater and lead generation from one vendor rather than stitching three contracts togethernot Bold Penguin

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Bold Penguin

  • No public pricing available; entirely quote-based sales model
  • B2B enterprise solution with custom pricing based on organizational needs
  • No published tiers or plan features; feature set and cost determined during sales consultation

NowCerts

  • The product was renamed to Momentum AMP in November 2024, so review sites, integration lists and consultant recommendations that still say NowCerts describe a product now sold under a different brand with a different strategy, and buyers checking references need to be sure which era they are hearing about.
  • Accounting is functional but shallow next to AMS360, so agencies that run trust accounting or need detailed general ledger treatment usually keep a separate accounting package and reconcile manually.
  • Commercial lines handling, particularly complex schedules and multi-location risks, is weaker than Applied Epic, which is why larger commercial agencies routinely reject it after a proof of concept.
  • Real onboarding is a paid add-on: professional services run 1,950 dollars a month for a split resource or 2,950 for a dedicated one, plus a 900 dollar onboarding fee, so the headline 99 dollar plan is not the true first-year cost for an agency migrating data.
  • The platform is now stacking separately priced modules, with the automation centre, rating and voice each carrying their own monthly fee, and an agency that wants all of them ends up paying several times the advertised AMS price.

Pricing, plan by plan

Bold Penguin

Free
  • Broker AccessFree
    • Multi-carrier quotes
    • Instant quoting
    • Commission tracking

NowCerts

$99/month
  • Essentials$99/month
    • 1 user included
    • Additional seats 45 USD each
    • Client and policy management
  • Professional$169/month
    • 2 users included
    • Sales pipeline
    • Renewal centre
  • Business$349/month
    • 5 users included
    • Billing and accounting
    • Commission reconciliation
  • Enterprise$undefined/month
    • 50 or more users
    • Quoted
    • Additional seats 45 USD each

Which should you pick?

Choose Bold Penguin if

  • You need multi-carrier quoting.
  • You want to start without paying.
  • You work on Web, Ios, Android.
  • You also want instant quotes.
Bold Penguin review

Choose NowCerts if

  • You need policy and client management.
  • You work on Web, iOS, Android.
  • You also want acord forms and certificates.
NowCerts review

Questions people ask

Is Bold Penguin or NowCerts better?
Neither clearly leads. Bold Penguin starts at Free and NowCerts at $99/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Bold Penguin or NowCerts?
Bold Penguin has a free tier; the other does not. Paid plans start at Free for Bold Penguin and $99/month for NowCerts.
Does Bold Penguin or NowCerts run on more platforms?
Bold Penguin runs on Web, Ios, Android. NowCerts runs on Web, iOS, Android.
Can I use Bold Penguin for free?
Yes. Bold Penguin has a free tier, so you can try it without paying. NowCerts starts at $99/month.
What is Bold Penguin best used for?
Bold Penguin is most often used for routing and triaging commercial insurance submissions, automating submission to bind through the terminal platform, handling complex middle market submissions with submissionlink, policy checking with clauselink. Of those, routing and triaging commercial insurance submissions and automating submission to bind through the terminal platform are not what NowCerts is typically brought in for.
What can Bold Penguin do that NowCerts cannot?
Bold Penguin covers Multi-carrier quoting, Instant quotes, Online binding, Customer portal. NowCerts covers Policy and client management, ACORD forms and certificates, Commission reconciliation, Insured self-service portal.

Answered from the vendors’ own pages

Bold Penguin: What is Bold Penguin's pricing model?

Bold Penguin uses a custom, quote-based pricing model. Specific costs and billing periods are not published publicly; pricing is determined through consultation with the sales team based on organizational needs.

Source
NowCerts: Is NowCerts still sold?

Yes, but under a different name. NowCerts Inc. rebranded to Momentum in November 2024 and the agency management system is now sold as Momentum AMP. Contract with Momentum, not NowCerts.

Bold Penguin: Does Bold Penguin offer standard subscription plans?

Bold Penguin does not publish standard pricing tiers or subscription plans. The company directs interested parties to book a demo or contact sales through 'Let's Talk' forms to discuss custom solutions and pricing.

Source
NowCerts: What does it actually cost for a five-person agency?

349 US dollars a month on the Business plan covers five users. Add roughly 100 to 300 a month if you want the rating engine, and a one-off 900 dollar onboarding fee.

Bold Penguin: How can I get a Bold Penguin price quote?

To obtain pricing information, visit the Bold Penguin website and submit a demo request or contact form. A sales representative will assess your needs and provide a customized pricing proposal.

Source
NowCerts: Does it do carrier download?

Yes, through the industry download infrastructure, but carrier coverage is narrower than Applied or Vertafore systems, so confirm your specific carriers before signing.

NowCerts: Can it replace Applied Epic?

For small personal lines and light commercial agencies, generally yes. For agencies with heavy commercial schedules or trust accounting requirements, generally no.

Share

Related pages

More on Bold Penguin

More on NowCerts

Keep looking

Other head to heads