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Next Insurance vs NowCerts

Next Insurance logo

Next Insurance

Insurance

Digital small business insurance with instant online quotes

From
$19/month
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: Next Insurance pricing varies by coverage type and business; 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.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which Next Insurance and NowCerts actually diverge.

Attributes where Next Insurance and NowCerts differ
AttributeNext InsuranceNowCerts
Starting price$19/month$99/month
Pricing modelusage-basedPer 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 Next Insurance

Nothing recorded that NowCerts does not also cover.

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.

Next Insurance

  • Obtaining customized insurance quotes for specific business typesnot NowCerts
  • Purchasing general liability and workers' compensation coveragenot NowCerts
  • Managing policies and accessing certificates of insurance onlinenot NowCerts
  • Filing and tracking insurance claims with licensed advisorsnot NowCerts

NowCerts

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

Where each one falls short

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

Next Insurance

  • Pricing varies by coverage type and business
  • Quote obtained in less than 10 minutes

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

Next Insurance

$19/month
  • General Liability$19/month
    • Starting price for general liability insurance

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 Next Insurance if

Nothing in the data separates Next Insurance from NowCerts on the points above - pick on price and on how each one feels to use.

Next Insurance 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 Next Insurance or NowCerts better?
Neither clearly leads. Next Insurance starts at $19/month and NowCerts at $99/month, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Next Insurance or NowCerts?
Next Insurance starts at $19/month and NowCerts at $99/month.
Does Next Insurance or NowCerts run on more platforms?
Next Insurance runs on Web. NowCerts runs on Web, iOS, Android.
What is Next Insurance best used for?
Next Insurance is most often used for obtaining customized insurance quotes for specific business types, purchasing general liability and workers' compensation coverage, managing policies and accessing certificates of insurance online, filing and tracking insurance claims with licensed advisors. Of those, obtaining customized insurance quotes for specific business types and purchasing general liability and workers' compensation coverage are not what NowCerts is typically brought in for.
What can Next Insurance do that NowCerts cannot?
NowCerts covers Policy and client management, ACORD forms and certificates, Commission reconciliation, Insured self-service portal.

Answered from the vendors’ own pages

Next Insurance: How much does NEXT Insurance cost?

NEXT Insurance general liability coverage starts at 19 dollars per month. The company provides customizable coverage through an AI-driven quote system. Discounts are available when you bundle multiple policies.

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.

Next Insurance: What types of coverage does NEXT offer?

NEXT offers general liability insurance, workers compensation, business owner's policy, professional liability, commercial property, commercial auto, tools and equipment, employment practices liability, product liability, and liquor liability insurance for 1300 plus business types.

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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