Softwr

Insurance · head to head

Insureon vs NowCerts

Insureon logo

Insureon

Insurance

Fast and easy business insurance online

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: Insureon the Internet Archive's capture of Insureon's small business insurance page on 20 December 2019 confirmed it compares quotes from multiple carriers rather than publishing fixed prices, stating cost depends on industry and risk factors, coverage limits, location, and number of employees.; 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: Insureon covers Fast quotes, 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 Insureon and NowCerts actually diverge.

Attributes where Insureon and NowCerts differ
AttributeInsureonNowCerts
Starting priceOn request$99/month
Pricing modelquotePer 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 Insureon

  • Fast quotes
  • Instant online binding
  • Coverage customization
  • Online policy management
  • 24/7 customer support
  • Mobile app
  • Document access
  • Claims assistance

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.

Insureon

  • Fast insurance procurementnot NowCerts

NowCerts

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

Where each one falls short

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

Insureon

  • The Internet Archive's capture of Insureon's small business insurance page on 20 December 2019 confirmed it compares quotes from multiple carriers rather than publishing fixed prices, stating cost depends on industry and risk factors, coverage limits, location, and number of employees.

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

Insureon

On request
  • General Liability$undefined/month
    • Fast quotes
    • Instant binding
    • Multiple coverage options

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 Insureon if

  • You need fast quotes.
  • You work on Web, Ios, Android.
  • You also want instant online binding.
Insureon 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 Insureon or NowCerts better?
Neither clearly leads. Insureon 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, Insureon or NowCerts?
Insureon starts at On request and NowCerts at $99/month.
Does Insureon or NowCerts run on more platforms?
Insureon runs on Web, Ios, Android. NowCerts runs on Web, iOS, Android.
What is Insureon best used for?
Insureon is most often used for fast insurance procurement. Of those, fast insurance procurement is not what NowCerts is typically brought in for.
What can Insureon do that NowCerts cannot?
Insureon covers Fast quotes, Instant online binding, Coverage customization, Online policy management. NowCerts covers Policy and client management, ACORD forms and certificates, Commission reconciliation, Insured self-service portal.

Answered from the vendors’ own pages

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.

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.

Share

Related pages

More on Insureon

More on NowCerts

Keep looking

Other head to heads