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Insurance · head to head

Duck Creek Policy vs NowCerts

Duck Creek Policy logo

Duck Creek Policy

Insurance

Flexible policy administration for modern insurers

From
On request
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

  • Each has a real cost: Duck Creek Policy no pricing published on vendor website; enterprise solution requires custom engagement; 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: Duck Creek Policy covers Policy lifecycle management, 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 Duck Creek Policy and NowCerts actually diverge.

Attributes where Duck Creek Policy and NowCerts differ
AttributeDuck Creek PolicyNowCerts
Starting priceOn request$99/month
Pricing modelquotePer month by seat band
PlatformsWebWeb, iOS, Android
Founded2000Unknown

Identical on both: free tier (No), 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 Duck Creek Policy

  • Policy lifecycle management
  • Product configuration
  • Rating engine
  • Underwriting workbench
  • Forms management
  • Billing integration
  • Multi-line support
  • Real-time quoting

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.

Duck Creek Policy

  • Policy administrationnot NowCerts
  • Underwriting workflowsnot NowCerts
  • Rating and pricingnot NowCerts
  • Claims managementnot NowCerts
  • Billing operationsnot NowCerts

NowCerts

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

Where each one falls short

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

Duck Creek Policy

  • No pricing published on vendor website; enterprise solution requires custom engagement
  • Modular product architecture means customers can mix/match components, making standard pricing impossible

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

Duck Creek Policy

On request

No published plan breakdown. See the Duck Creek Policy review.

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 Duck Creek Policy if

  • You need policy lifecycle management.
  • You also want product configuration.
Duck Creek Policy 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 Duck Creek Policy or NowCerts better?
Neither clearly leads. Duck Creek Policy starts at On request and NowCerts at $99/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Duck Creek Policy or NowCerts?
Duck Creek Policy starts at On request and NowCerts at $99/month.
Does Duck Creek Policy or NowCerts run on more platforms?
Duck Creek Policy runs on Web. NowCerts runs on Web, iOS, Android.
What is Duck Creek Policy best used for?
Duck Creek Policy is most often used for policy administration, underwriting workflows, rating and pricing, claims management. Of those, policy administration and underwriting workflows are not what NowCerts is typically brought in for.
What can Duck Creek Policy do that NowCerts cannot?
Duck Creek Policy covers Policy lifecycle management, Product configuration, Rating engine, Underwriting workbench. NowCerts covers Policy and client management, ACORD forms and certificates, Commission reconciliation, Insured self-service portal.

Answered from the vendors’ own pages

Duck Creek Policy: How much does Duck Creek Policy cost?

Duck Creek does not publish pricing. Policy is an enterprise solution for insurance carriers where implementation scope, data migration complexity, and customization requirements determine total cost of ownership. Interested prospects must contact Duck Creek's sales team through their 'Talk to Sales' call-to-action.

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.

Duck Creek Policy: Is Duck Creek Policy a modular system?

Yes, customers can adopt Duck Creek products individually (Policy, Rating, Billing, Claims, etc.) or in combination. This modularity means pricing varies based on which products and integration depth customers require.

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.

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.

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