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Insurance · head to head

NowCerts vs Verisk

NowCerts logo

NowCerts

Insurance

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

From
$99/month
Rated
-
Full reviewWebsite
Verisk logo

Verisk

Insurance

Insurance data, ISO forms and rating content that most American P&C products are built on

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.; Verisk the ISO content has no real substitute for a carrier writing standard lines, so renewal negotiations start from a position where walking away is not credible.
  • They diverge on capability: NowCerts covers Policy and client management, Verisk covers ISO forms and rating content.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which NowCerts and Verisk actually diverge.

Attributes where NowCerts and Verisk differ
AttributeNowCertsVerisk
Starting price$99/monthOn request
Pricing modelPer month by seat bandquote
PlatformsWeb, iOS, AndroidWeb, API, Windows

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 Verisk

  • ISO forms and rating content
  • ClaimSearch
  • Extreme event models
  • Property data
  • Xactimate
  • Underwriting analytics

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

Verisk

  • A carrier filing standard commercial lines products that must use recognised forms and loss costsnot NowCerts
  • A claims organisation checking submitted claims against the industry database for prior activitynot NowCerts
  • A property insurer pricing catastrophe exposure for reinsurance placementnot NowCerts
  • An MGA that needs bureau content without building and filing proprietary forms in every statenot 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.

Verisk

  • The ISO content has no real substitute for a carrier writing standard lines, so renewal negotiations start from a position where walking away is not credible.
  • Pricing is negotiated separately per product and per line, and large insurers routinely find overlapping agreements across underwriting, claims and actuarial that nobody had counted together.
  • Circular updates to forms and loss costs must be loaded into your policy system on a schedule, which is recurring work that carriers with older platforms do partly by hand.
  • The breadth of the portfolio means account management is spread across product teams, so a problem in one service does not necessarily get attention from the people selling you another.
  • Usage-based components such as data prefill and claims searches make annual spend hard to forecast, and the variance lands in the year you grow fastest.

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

Verisk

On request
  • Verisk Insurance Solutions$undefined/year
    • ISO forms and loss cost licensing
    • Data and analytics services by line
    • API access

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 Verisk if

  • You need iso forms and rating content.
  • You work on Web, API, Windows.
  • You also want claimsearch.
Verisk review

Questions people ask

Is NowCerts or Verisk better?
Neither clearly leads. NowCerts starts at $99/month and Verisk at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, NowCerts or Verisk?
NowCerts starts at $99/month and Verisk at On request.
Does NowCerts or Verisk run on more platforms?
NowCerts runs on Web, iOS, Android. Verisk runs on Web, API, Windows.
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 Verisk is typically brought in for.
What can NowCerts do that Verisk cannot?
NowCerts covers Policy and client management, ACORD forms and certificates, Commission reconciliation, Insured self-service portal. Verisk covers ISO forms and rating content, ClaimSearch, Extreme event models, Property data.

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.

Verisk: Can a carrier avoid ISO content entirely?

Only by developing and filing proprietary forms and rates, which a handful of large insurers do. For everyone else the filing and legal cost of independence exceeds the licence.

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.

Verisk: Is Xactimate part of Verisk?

Yes. It came with the Xactware acquisition and is the dominant property claims estimating tool in North America, used by carriers and by the contractors they pay.

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.

Verisk: Did Verisk sell off businesses?

Yes. It divested non-insurance units including its energy research business in 2023 and refocused on insurance data and analytics.

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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