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Insurance · head to head

Embroker vs NowCerts

Embroker logo

Embroker

Insurance

Enterprise insurance platform for teams

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: Embroker no pricing published on website; requires completing an application and underwriting process; 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: Embroker covers Benefits 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 Embroker and NowCerts actually diverge.

Attributes where Embroker and NowCerts differ
AttributeEmbrokerNowCerts
Starting priceOn request$99/month
Pricing modelsubscriptionPer month by seat band
Founded2017Unknown

Identical on both: free tier (No), 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 Embroker

  • Benefits management
  • Policy administration
  • Employee portal
  • Analytics and reporting
  • Claims management
  • Mobile app
  • Compliance tools
  • Integration support

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.

Embroker

  • Employee benefits managementnot NowCerts

NowCerts

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

Where each one falls short

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

Embroker

  • No pricing published on website; requires completing an application and underwriting process
  • Pricing varies by state and is subject to application approval

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

Embroker

On request
  • Professional$undefined/month
    • Benefits management
    • Policy administration
    • Employee portal

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 Embroker if

  • You need benefits management.
  • You work on Web, Ios, Android.
  • You also want policy administration.
Embroker 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 Embroker or NowCerts better?
Neither clearly leads. Embroker 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, Embroker or NowCerts?
Embroker starts at On request and NowCerts at $99/month.
Does Embroker or NowCerts run on more platforms?
Embroker runs on Web, Ios, Android. NowCerts runs on Web, iOS, Android.
What is Embroker best used for?
Embroker is most often used for employee benefits management. Of those, employee benefits management is not what NowCerts is typically brought in for.
What can Embroker do that NowCerts cannot?
Embroker covers Benefits management, Policy administration, Employee portal, Analytics and reporting. NowCerts covers Policy and client management, ACORD forms and certificates, Commission reconciliation, Insured self-service portal.

Answered from the vendors’ own pages

Embroker: How much does Embroker insurance cost?

Embroker does not publish pricing. The vendor emphasizes 'custom quotes in minutes' and positions themselves as offering 'transparent solutions.' Customers must click 'Get a Quote' to access the application portal. Services and pricing vary by state and are subject to application and underwriting requirements.

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.

Embroker: How can you request a quote from Embroker?

Click the 'Get a Quote' button to access their application portal, or contact Embroker at 1.844.436.2765 (Mon-Fri) or use their contact form.

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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