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Insurance · head to head

NowCerts vs Vertafore AMS360

NowCerts logo

NowCerts

Insurance

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

From
$99/month
Rated
-
Full reviewWebsite
Vertafore AMS360 logo

Vertafore AMS360

Insurance

Modern agency management for growing agencies

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.; Vertafore AMS360 no pricing is published, and the product page states no rate, tier or cost driver
  • They diverge on capability: NowCerts covers Policy and client management, Vertafore AMS360 covers Policy management.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which NowCerts and Vertafore AMS360 actually diverge.

Attributes where NowCerts and Vertafore AMS360 differ
AttributeNowCertsVertafore AMS360
Starting price$99/monthOn request
Pricing modelPer month by seat bandsubscription
PlatformsWeb, iOS, AndroidWeb, Windows, Ios, Android
FoundedUnknown1969

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 Vertafore AMS360

  • Policy management
  • Integrated accounting
  • Real-time carrier downloads
  • Document management
  • Workflow automation
  • Business intelligence
  • Commission management
  • Client portal

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

Vertafore AMS360

  • Agency management for insurance brokers, covering policies and clientsnot NowCerts
  • Tracking commissions, renewals and accounting for an insurance agencynot 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.

Vertafore AMS360

  • No pricing is published, and the product page states no rate, tier or cost driver
  • The only route to a figure is a phone call or contact form

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

Vertafore AMS360

On request
  • AMS360$undefined/month
    • Policy management
    • Integrated accounting
    • Real-time downloads
  • AMS360 Plus$undefined/month
    • All AMS360 features
    • Advanced analytics
    • 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 Vertafore AMS360 if

  • You need policy management.
  • You work on Web, Windows, Ios, Android.
  • You also want integrated accounting.
Vertafore AMS360 review

Questions people ask

Is NowCerts or Vertafore AMS360 better?
Neither clearly leads. NowCerts starts at $99/month and Vertafore AMS360 at On request, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, NowCerts or Vertafore AMS360?
NowCerts starts at $99/month and Vertafore AMS360 at On request.
Does NowCerts or Vertafore AMS360 run on more platforms?
NowCerts runs on Web, iOS, Android. Vertafore AMS360 runs on Web, Windows, 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 Vertafore AMS360 is typically brought in for.
What can NowCerts do that Vertafore AMS360 cannot?
NowCerts covers Policy and client management, ACORD forms and certificates, Commission reconciliation, Insured self-service portal. Vertafore AMS360 covers Policy management, Integrated accounting, Real-time carrier downloads, Document management.

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.

Vertafore AMS360: How much does AMS360 cost?

AMS360 pricing is not published online. To obtain pricing information, contact Vertafore directly at 1-800-444-4813 or use the Request Info form on their website.

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.

Vertafore AMS360: What results can agencies expect from AMS360?

According to Vertafore, agencies using AMS360 have seen up to 26% revenue growth without adding employees.

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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