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Insurance · head to head

Indio vs NowCerts

Indio logo

Indio

Insurance

Digital commercial insurance applications and renewals for agencies and brokers

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: Indio the strongest data integration is with Applied Epic, so agencies on Vertafore, HawkSoft or a smaller management system rekey more and capture less of the time saving that justifies the licence.; 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: Indio covers Smart form library, 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 Indio and NowCerts actually diverge.

Attributes where Indio and NowCerts differ
AttributeIndioNowCerts
Starting priceOn request$99/month
Pricing modelquotePer month by seat band
PlatformsWebWeb, iOS, Android

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 Indio

  • Smart form library
  • Renewal prefill
  • Client portal
  • Electronic signature
  • Automated follow up
  • Applied Epic integration
  • Document collection
  • Submission packaging

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.

Indio

  • A commercial lines agency where account managers spend renewal season chasing PDF applications by email and want the insured to complete one form set insteadnot NowCerts
  • A broker that wants renewal applications prefilled from last year so the client confirms changes rather than restating the whole risknot NowCerts
  • An Applied Epic agency looking to remove rekeying between the submission process and the management systemnot NowCerts
  • A growing agency that needs a consistent, auditable record of what the insured actually stated on an application, for errors and omissions defencenot NowCerts

NowCerts

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

Where each one falls short

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

Indio

  • The strongest data integration is with Applied Epic, so agencies on Vertafore, HawkSoft or a smaller management system rekey more and capture less of the time saving that justifies the licence.
  • Pricing is quoted through Applied Systems and never published, which makes it hard to benchmark against point competitors and typically ties the agency into an Applied commercial relationship covering several products.
  • It handles submission collection but not placement, so you still need a rater or a market submission tool to actually get quotes, and the promised efficiency only lands on the front half of the process.
  • Adoption depends on the insured being willing to use a web portal, and commercial clients with a broker relationship of twenty years frequently email a PDF back anyway, which leaves the agency running two processes at once.
  • Form library coverage is strong for standard ACORD but thinner for niche carrier supplements in specialty lines, so specialty brokers still maintain a manual set of forms outside the system.

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

Indio

On request
  • Indio$undefined/year
    • Smart ACORD and carrier form library
    • Renewal prefill
    • Insured facing portal and e-signature

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 Indio if

  • You need smart form library.
  • You also want renewal prefill.
Indio 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 Indio or NowCerts better?
Neither clearly leads. Indio 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, Indio or NowCerts?
Indio starts at On request and NowCerts at $99/month.
Does Indio or NowCerts run on more platforms?
Indio runs on Web. NowCerts runs on Web, iOS, Android.
What is Indio best used for?
Indio is most often used for a commercial lines agency where account managers spend renewal season chasing pdf applications by email and want the insured to complete one form set instead, a broker that wants renewal applications prefilled from last year so the client confirms changes rather than restating the whole risk, an applied epic agency looking to remove rekeying between the submission process and the management system, a growing agency that needs a consistent, auditable record of what the insured actually stated on an application, for errors and omissions defence. Of those, a commercial lines agency where account managers spend renewal season chasing pdf applications by email and want the insured to complete one form set instead and a broker that wants renewal applications prefilled from last year so the client confirms changes rather than restating the whole risk are not what NowCerts is typically brought in for.
What can Indio do that NowCerts cannot?
Indio covers Smart form library, Renewal prefill, Client portal, Electronic signature. NowCerts covers Policy and client management, ACORD forms and certificates, Commission reconciliation, Insured self-service portal.

Answered from the vendors’ own pages

Indio: Is Indio still sold separately after the Applied Systems acquisition?

Yes. It is branded Indio by Applied Systems, retains its own site and is licensed separately from Applied Epic, though it is sold through the Applied commercial relationship.

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.

Indio: Do I need Applied Epic to use it?

No, but you get materially less from it without Epic. The bidirectional data flow that removes rekeying is deepest with Epic, and other management systems require more manual handling.

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.

Indio: Does Indio quote or rate?

No. It collects and packages the application. Rating and market submission happen elsewhere.

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.

Indio: What does it cost?

Applied does not publish pricing. It is quoted by agency size and usually negotiated within a wider Applied contract, so ask for the standalone figure explicitly.

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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