Insurance · head to head
NowCerts vs Pie Insurance
NowCerts
Insurance
Agency management system for independent insurance agencies, now sold as Momentum AMP
- From
- $99/month
- Rated
- -
Pie Insurance
Insurance
Small business workers compensation and commercial insurance sold by online quote
- From
- On request
- Rated
- -
The short version
- Each has a real cost: 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.; Pie Insurance no pricing published on website; custom quotes required based on coverage needs
- Prices and features above were last checked on 31 August 2026.
Where they differ
Only the attributes on which NowCerts and Pie Insurance actually diverge.
| Attribute | NowCerts | Pie Insurance |
|---|---|---|
| Starting price | $99/month | On request |
| Pricing model | Per month by seat band | quote |
| Platforms | Web, iOS, Android | Web |
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 NowCerts
- Policy and client management
- ACORD forms and certificates
- Commission reconciliation
- Insured self-service portal
- Carrier download
- Momentum Automation Center
- Momentum Rate
Only in Pie Insurance
Nothing recorded that NowCerts does not also cover.
What people use each for
The jobs each tool is most often brought in to do.
NowCerts
- A five-person personal lines agency leaving spreadsheets and shared drives that needs certificates and ID cards issued without rekeying datanot Pie Insurance
- An agency being repriced off Applied Epic or AMS360 that wants comparable core servicing at roughly a third of the seat costnot Pie Insurance
- A commercial lines agency that issues certificates of insurance constantly and wants insureds pulling their own rather than emailing the account managernot Pie Insurance
- A newly formed agency that wants an AMS, a comparative rater and lead generation from one vendor rather than stitching three contracts togethernot Pie Insurance
Pie Insurance
- Workers compensation insurancenot NowCerts
- Business liability coveragenot NowCerts
- Commercial property insurancenot NowCerts
Where each one falls short
Documented limitations, not opinions. Every one is a constraint you would hit in normal use.
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.
Pie Insurance
- No pricing published on website; custom quotes required based on coverage needs
- Savings claims (up to 30%) vary by individual quote and are unavailable for Workers' Compensation policies in Wisconsin
- Discounts and pricing vary among insurers underwriting specific policy types
Pricing, plan by plan
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
Pie Insurance
On requestNo published plan breakdown. See the Pie Insurance review.
Which should you pick?
Choose NowCerts if
- You need policy and client management.
- You work on Web, iOS, Android.
- You also want acord forms and certificates.
Choose Pie Insurance if
Nothing in the data separates Pie Insurance from NowCerts on the points above - pick on price and on how each one feels to use.
Questions people ask
- Is NowCerts or Pie Insurance better?
- Neither clearly leads. NowCerts starts at $99/month and Pie Insurance at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
- Which is cheaper, NowCerts or Pie Insurance?
- NowCerts starts at $99/month and Pie Insurance at On request.
- Does NowCerts or Pie Insurance run on more platforms?
- NowCerts runs on Web, iOS, Android. Pie Insurance runs on Web.
- What is NowCerts best used for?
- NowCerts is most often used for a five-person personal lines agency leaving spreadsheets and shared drives that needs certificates and id cards issued without rekeying data, an agency being repriced off applied epic or ams360 that wants comparable core servicing at roughly a third of the seat cost, a commercial lines agency that issues certificates of insurance constantly and wants insureds pulling their own rather than emailing the account manager, a newly formed agency that wants an ams, a comparative rater and lead generation from one vendor rather than stitching three contracts together. Of those, a five-person personal lines agency leaving spreadsheets and shared drives that needs certificates and id cards issued without rekeying data and an agency being repriced off applied epic or ams360 that wants comparable core servicing at roughly a third of the seat cost are not what Pie Insurance is typically brought in for.
- What can NowCerts do that Pie Insurance cannot?
- 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.
Pie Insurance: How much does Pie insurance cost?
Pie Insurance does not publish specific pricing on its website. Customers must request a personalized quote through their online portal to receive pricing, which takes approximately 3 minutes.
SourceNowCerts: 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.
Pie Insurance: How does Pie Insurance determine pricing?
Pie uses data-driven insurance technology to ensure competitive pricing. Individual quotes and coverage determinations are made on a case-by-case basis after customers provide business information.
SourceNowCerts: 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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