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Insurance · head to head

NowCerts vs Semsee

NowCerts logo

NowCerts

Insurance

Agency management system for independent insurance agencies, now sold as Momentum AMP

From
$99/month
Rated
-
Full reviewWebsite
Semsee logo

Semsee

Insurance

Small commercial insurance quoting that sends one submission to many carriers

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only Semsee has a free tier, so it costs nothing to try first.
  • 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.; Semsee the free tier only quotes Semsee's own carrier panel, so the workflow consolidation most agencies actually want, running their own appointments through one form, costs fifty dollars per user per month on top.
  • They diverge on capability: NowCerts covers Policy and client management, Semsee covers Single submission to many carriers.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which NowCerts and Semsee actually diverge.

Attributes where NowCerts and Semsee differ
AttributeNowCertsSemsee
Starting price$99/monthFree
Pricing modelPer month by seat bandPer user per month
Free tierNoYes
PlatformsWeb, iOS, AndroidWeb

Identical on both: 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 Semsee

  • Single submission to many carriers
  • Appetite checker
  • Class code finder
  • Direct appointment quoting
  • ACORD forms
  • Auto-fill
  • Proposal generation
  • Wholesale and MGA access

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 Semsee
  • An agency being repriced off Applied Epic or AMS360 that wants comparable core servicing at roughly a third of the seat costnot Semsee
  • A commercial lines agency that issues certificates of insurance constantly and wants insureds pulling their own rather than emailing the account managernot Semsee
  • A newly formed agency that wants an AMS, a comparative rater and lead generation from one vendor rather than stitching three contracts togethernot Semsee

Semsee

  • A personal lines agency starting to write small commercial that has no commercial appointments and needs market access without meeting carrier production requirementsnot NowCerts
  • A retail agency quoting twenty BOP submissions a month that is losing hours retyping the same risk into six carrier portalsnot NowCerts
  • A wholesaler that wants a structured intake form so retail agents stop sending incomplete submissions by emailnot NowCerts
  • An agency checking appetite before spending time on a submission that no carrier on its panel will writenot 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.

Semsee

  • The free tier only quotes Semsee's own carrier panel, so the workflow consolidation most agencies actually want, running their own appointments through one form, costs fifty dollars per user per month on top.
  • Carrier coverage is concentrated in small commercial lines such as BOP, general liability and workers compensation, so anything with real complexity still goes to the carrier portal or the underwriter by email.
  • Quotes returned are indicative for many carriers and still subject to underwriting referral, so an agent can present a number to a client and see it change at bind, which damages trust.
  • The March 2026 acquisition by iBynd puts the product inside a wider distribution platform, and buyers should expect priority to shift towards iBynd's end-to-end ambitions rather than incremental improvements to standalone quoting.
  • Agency management system integration is limited, so quote and policy data frequently has to be re-entered into the AMS after binding, which reintroduces the duplicate entry the product exists to remove.

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

Semsee

Free
  • EssentialFree
    • Access to the Semsee carrier panel
    • Appetite checker
    • ACORD form generation
  • Professional$50/month
    • Everything in Essential
    • Quote your own direct appointed carriers
    • Class code finder
  • Enterprise$undefined/month
    • White labelled deployment
    • Advanced workflow
    • Carrier and MGA distribution features

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.
NowCerts review

Choose Semsee if

  • You need single submission to many carriers.
  • You want to start without paying.
  • You also want appetite checker.
Semsee review

Questions people ask

Is NowCerts or Semsee better?
Neither clearly leads. NowCerts starts at $99/month and Semsee at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, NowCerts or Semsee?
Semsee has a free tier; the other does not. Paid plans start at $99/month for NowCerts and Free for Semsee.
Does NowCerts or Semsee run on more platforms?
NowCerts runs on Web, iOS, Android. Semsee runs on Web.
Can I use Semsee for free?
Yes. Semsee has a free tier, so you can try it without paying. NowCerts starts at $99/month.
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 Semsee is typically brought in for.
What can NowCerts do that Semsee cannot?
NowCerts covers Policy and client management, ACORD forms and certificates, Commission reconciliation, Insured self-service portal. Semsee covers Single submission to many carriers, Appetite checker, Class code finder, Direct appointment quoting.

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.

Semsee: Is Semsee free?

The Essential tier is genuinely free and gives access to Semsee's own carrier panel. Quoting your own direct appointments requires the Professional tier at fifty dollars per user per month.

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.

Semsee: Do I need carrier appointments to use it?

No. That is the main reason small agencies sign up, since Semsee's panel provides market access without production commitments.

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.

Semsee: Is Semsee still independent?

No. iBynd acquired Semsee in March 2026, though the product is still sold under the Semsee name.

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.

Semsee: Which lines does it cover?

Small commercial: business owners policy, general liability, workers compensation, commercial auto and some professional liability, depending on carrier.

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