Softwr

Insurance · head to head

NowCerts vs Tarmika

NowCerts logo

NowCerts

Insurance

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

From
$99/month
Rated
-
Full reviewWebsite
Tarmika logo

Tarmika

Insurance

Smart insurance management platform

From
On request
Rated
-
Full reviewWebsite

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.; Tarmika no pricing published on website; requires contacting sales
  • They diverge on capability: NowCerts covers Policy and client management, Tarmika covers Policy administration.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which NowCerts and Tarmika actually diverge.

Attributes where NowCerts and Tarmika differ
AttributeNowCertsTarmika
Starting price$99/monthOn request
Pricing modelPer month by seat bandsubscription
FoundedUnknown2017

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 NowCerts

  • Policy and client management
  • ACORD forms and certificates
  • Commission reconciliation
  • Insured self-service portal
  • Carrier download
  • Momentum Automation Center
  • Momentum Rate

Only in Tarmika

  • Policy administration
  • Claims management
  • AI-powered analytics
  • Real-time reporting
  • Document management
  • Customer portal
  • Mobile app
  • Integration support

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

Tarmika

  • Business software solutionsnot NowCerts
  • Enterprise platform servicesnot 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.

Tarmika

  • No pricing published on website; requires contacting sales

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

Tarmika

On request
  • Professional$undefined/month
    • Policy management
    • Claims processing
    • AI analytics

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 Tarmika if

  • You need policy administration.
  • You work on Web, Ios, Android.
  • You also want claims management.
Tarmika review

Questions people ask

Is NowCerts or Tarmika better?
Neither clearly leads. NowCerts starts at $99/month and Tarmika at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, NowCerts or Tarmika?
NowCerts starts at $99/month and Tarmika at On request.
Does NowCerts or Tarmika run on more platforms?
NowCerts runs on Web, iOS, Android. Tarmika runs on Web, Ios, Android.
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 Tarmika is typically brought in for.
What can NowCerts do that Tarmika cannot?
NowCerts covers Policy and client management, ACORD forms and certificates, Commission reconciliation, Insured self-service portal. Tarmika covers Policy administration, Claims management, AI-powered analytics, Real-time reporting.

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.

Tarmika: How much does Tarmika cost?

Tarmika does not publish pricing on its website. Customers are directed to schedule a demo or contact the sales team directly to discuss pricing.

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.

Tarmika: Does Tarmika offer a free trial or demo?

Tarmika offers the option to schedule a demo with the company to learn more about features and discuss pricing.

Source
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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