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Insurance · head to head

BriteCore vs NowCerts

BriteCore logo

BriteCore

Insurance

Cloud policy, billing and claims core aimed at regional property carriers and mutuals

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: BriteCore configurability is deliberately bounded, so a carrier with unusual commercial lines or complex treaty structures will be told to adjust its process rather than the software.; 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: BriteCore covers Policy administration, 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 BriteCore and NowCerts actually diverge.

Attributes where BriteCore and NowCerts differ
AttributeBriteCoreNowCerts
Starting priceOn request$99/month
Pricing modelquotePer month by seat band
PlatformsWeb, APIWeb, 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 BriteCore

  • Policy administration
  • Integrated rating
  • Billing
  • Claims
  • Agent portal
  • Data access

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.

BriteCore

  • A regional mutual retiring an AS/400 policy system with an IT team too small to run a multi-year programmenot NowCerts
  • A property carrier that needs an agent portal and a core system from one vendor rather than threenot NowCerts
  • A farm and ranch or dwelling fire writer whose current system was built in house by a retiring developernot NowCerts
  • A small carrier that must move to the cloud for reinsurer or rating agency reasons without a seven-figure programmenot NowCerts

NowCerts

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

Where each one falls short

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

BriteCore

  • Configurability is deliberately bounded, so a carrier with unusual commercial lines or complex treaty structures will be told to adjust its process rather than the software.
  • Being multi-tenant means you take upgrades on the vendor schedule, which removes a maintenance burden but also removes your ability to defer a release that changes a workflow your staff rely on.
  • The platform is built around property; auto, speciality and casualty lines are handled less completely and should be tested against your actual forms before you commit.
  • The vendor is far smaller than Guidewire or Duck Creek, so supplier viability and acquisition risk are genuine board-level questions for a system you expect to run for fifteen years.
  • Migrating decades of legacy policy history is still the hardest and most expensive part of the project regardless of how quick the platform configuration is, and that cost sits with you.

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

BriteCore

On request
  • BriteCore Core Platform$undefined/year
    • Policy, billing and claims
    • Agent portal
    • Hosted and maintained by the vendor

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 BriteCore if

  • You need policy administration.
  • You work on Web, API.
  • You also want integrated rating.
BriteCore 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 BriteCore or NowCerts better?
Neither clearly leads. BriteCore 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, BriteCore or NowCerts?
BriteCore starts at On request and NowCerts at $99/month.
Does BriteCore or NowCerts run on more platforms?
BriteCore runs on Web, API. NowCerts runs on Web, iOS, Android.
What is BriteCore best used for?
BriteCore is most often used for a regional mutual retiring an as/400 policy system with an it team too small to run a multi-year programme, a property carrier that needs an agent portal and a core system from one vendor rather than three, a farm and ranch or dwelling fire writer whose current system was built in house by a retiring developer, a small carrier that must move to the cloud for reinsurer or rating agency reasons without a seven-figure programme. Of those, a regional mutual retiring an as/400 policy system with an it team too small to run a multi-year programme and a property carrier that needs an agent portal and a core system from one vendor rather than three are not what NowCerts is typically brought in for.
What can BriteCore do that NowCerts cannot?
BriteCore covers Policy administration, Integrated rating, Billing, Claims. NowCerts covers Policy and client management, ACORD forms and certificates, Commission reconciliation, Insured self-service portal.

Answered from the vendors’ own pages

BriteCore: What size carrier is this for?

Regional property and casualty carriers and mutuals, broadly those writing between twenty and five hundred million dollars of annual premium and without a large IT department.

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.

BriteCore: How long is an implementation?

Months rather than years for a single-line property carrier, which is the main reason the segment buys it.

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.

BriteCore: Does it include rating?

Yes, rating is configured inside the platform rather than bought as a separate engine, which removes one integration and one vendor from the stack.

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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