NowCerts Review: Overview, Features, Pricing & Alternatives in 2025

Manual insurance tasks eating up your day?

If you’re like most insurance professionals I talk to, you’re stuck juggling policy admin, compliance paperwork, and endless certificate requests—leaving less time for actual client relationships.

But here’s the real problem: all that manual work drags down your agency’s productivity and keeps your team from growing your book of business.

NowCerts (Momentum AMP) flips this with automation and a truly user-friendly experience—from self-serve certificates for your clients to robust commission tracking and ACORD forms delivered automatically. The platform takes tedious workflow off your plate, while powerful integrations connect your favorite accounting and quoting tools.

In this review, I’ll break down how NowCerts helps you reclaim wasted hours and improve client satisfaction with their streamlined agency management platform.

You’ll discover, in this NowCerts review, the features that set it apart, pricing options, hands-on pros and cons, and how it compares to other top insurance agency solutions.

You’ll walk away with the features you need to confidently pick the right software for your agency.

Let’s dive into the analysis.

NowCerts Overview

NowCerts, now rebranded as Momentum AMP, is built to streamline insurance agency operations. I’ve followed them for a while; they’re based in Delaware and have been honing their cloud platform since 2012.

They specifically target independent P&C and life/health agencies looking for a comprehensive yet affordable system. I think their main distinction is making advanced automation accessible to smaller teams, not just enterprise players with huge budgets.

Their recent acquisition of 20 Miles to integrate AI-driven workflows is a major development to watch in this NowCerts review. This move clearly signals a commitment to future-proofing their platform.

Unlike the more complex legacy systems, NowCerts feels modern and was clearly built for day-to-day usability. I believe their key advantage is a user-friendly and transparently priced platform that doesn’t require an IT degree to manage.

You’ll find them working with hundreds of small to mid-sized agencies across the country who are finally ready to ditch clunky spreadsheets and outdated, restrictive software for good.

From my perspective, their strategy is laser-focused on expanding client self-service capabilities and open API integrations. This approach directly addresses your need for both greater operational efficiency and an improved customer experience.

Now, let’s dive into the features.

NowCerts Features

Overwhelmed by insurance agency administration?

NowCerts offers an integrated suite of solutions designed to streamline your entire agency operations. These five core NowCerts solutions tackle common insurance agency challenges, making your workflow significantly more efficient.

1. Client and Policy Management

Lost track of critical client details?

Juggling client data across disparate spreadsheets and outdated systems is a nightmare, often leading to missed opportunities and errors.

This core solution centralizes all client and policy information, from initial quotes through renewal. My testing showed quick access to full histories, so you can easily track every interaction and detail. This is where NowCerts shines for data consolidation.

This means you gain a comprehensive client view, which dramatically improves efficiency and reduces the chance of manual data errors.

2. Self-Serve Certificates & Insured Portal

Drowning in Certificate of Insurance requests daily?

Constantly fielding routine certificate requests consumes valuable agency staff time, diverting focus from more strategic client interactions.

This standout feature allows your clients to issue their own COIs via a white-labeled portal, directly from your agency’s website. What I love is how this significantly reduces your administrative burden by empowering clients with instant access.

The result is happier clients receiving immediate service, while your team gets freed up to focus on higher-value tasks and sales.

3. Commissions Tracking & Billing

Is commission reconciliation a constant headache?

Manually tracking agent commissions, fees, and managing billing is prone to errors, directly impacting your agency’s financial accuracy and agent payouts.

NowCerts provides comprehensive tools for tracking commissions, fees, and even payments, with seamless QuickBooks integration for financials. From my testing, it keeps everything precisely reconciled.

This ensures robust financial oversight, eliminating reconciliation stress and allowing you to confidently manage your agency’s profitability.

4. Automated Carrier Downloads & ACORD Forms

Still doing manual data entry for policy updates?

Inputting policy data from hundreds of different carriers manually is incredibly time-consuming and significantly increases your agency’s E&O risk.

The system automates policy updates directly from over 300 carrier databases, saving thousands of hours in data entry. All standard ACORD forms are also readily available for quick completion.

This means your policy data is always current, drastically reducing errors and letting you reclaim valuable agent time for client engagement.

5. Custom Workflow Management & Automation

Are repetitive tasks eating into your productive day?

Inefficient workflows and manual lead management can cripple your agency’s productivity, hindering your ability to grow and scale effectively.

NowCerts offers customizable workflows and AI-powered automation to streamline everything from quoting to closing. Here’s what I found: it automates repetitive processes for significant gains.

So you can tailor the platform to your specific operational needs, boosting overall efficiency and ensuring consistent lead conversion and client service.

These NowCerts solutions work together to form a truly cohesive agency management platform that centralizes all your operations for maximum efficiency.

NowCerts Pricing

Uncertain about hidden software costs?

NowCerts pricing features clear, tiered plans designed to fit various agency sizes, alongside a free trial, offering a transparent approach to managing your budget effectively.

Plan	Price & Features
Essentials	$99 per month (1 user included) • Client & Policy Management • ACORD Forms & Document Storage • Agency Overview Dashboard • Sales Pipeline & Renewal Center
Professional	$169 per month (2 users included) • 25 GB Storage • IVANS Carrier Downloads • Open API & Zapier Integration • Email Sync & AI Agents
Business	$349 per month (5 users included) • 100 GB Storage • Insured Portal & Two-way Texting • Mass Texting • Custom & Scheduled Reports
Enterprise	Custom pricing (50+ users) • 1 TB Storage • Private Server Environment • Interface Customization • Advanced Reporting & AI Suite

1. Value Assessment

Great value for growing agencies.

What impressed me about their pricing is how it scales naturally with your team, avoiding the need to overpay for unused features. From my cost analysis, the tiered structure means your initial investment is highly proportionate to your agency’s current size, with clear per-user costs for expansion. You get comprehensive core features from the start.

This means your monthly costs stay predictable as your agency expands, allowing for efficient budget planning.

2. Trial/Demo Options

Smart evaluation options exist.

NowCerts offers a 30-day free trial, allowing you to thoroughly explore the system before committing. What I found regarding pricing is that this extensive trial period lets you evaluate core features and user experience without any upfront financial pressure. You can also schedule a personalized demo to address specific agency needs and questions directly.

This helps you evaluate the true value and fit, ensuring you make a confident, informed budget decision.

3. Plan Comparison

Choose your plan wisely.

For solo agents, the Essentials plan provides a robust starting point. However, as your team grows, the Professional or Business plans offer significantly enhanced features like IVANS downloads and an Insured Portal. What stands out is how additional user licenses are a consistent $45 per month, offering clear scalability.

This tiered approach helps you match NowCerts pricing to your actual operational requirements, optimizing your investment.

My Take: NowCerts’ pricing strategy is designed for transparency and scalability, making it ideal for insurance agencies that need a predictable cost structure as they grow.

The overall NowCerts pricing reflects straightforward value for agency growth.

NowCerts Reviews

User feedback offers User feedback offers crucial insights.

To truly understand NowCerts, I dove deep into numerous NowCerts reviews. This section offers an honest look at what actual customers experience daily with the software, helping you make an informed decision.

1. Overall User Satisfaction

Users are largely satisfied.

From my review analysis, NowCerts (now Momentum AMP) maintains an “excellent” 90% user satisfaction rating across nearly 300 reviews. What I found in user feedback is that customers often praise its agent-friendly nature, indicating a positive user experience from the start. This high rating reflects strong overall approval.

Ease of use and responsive customer support consistently drive this high satisfaction, making daily operations smoother for agencies.

2. Common Praise Points

Support and ease stand out.

Customers consistently highlight NowCerts’ exceptional customer support, noting problems are “promptly addressed.” Review-wise, I saw repeated praise for their responsiveness and willingness to integrate user ideas. What stood out was how the support team elevates user suggestions into improved processes, building loyalty.

This means you can expect rapid issue resolution and feel truly heard, enhancing your long-term software experience.

3. Frequent Complaints

Some initial hurdles exist.

While highly praised, some NowCerts reviews mention initial setup and data import challenges, occasionally leading to duplicate content. What I found in user feedback is that the learning curve can be steep for new users despite overall friendliness due to its extensive features. Occasional bugs are also reported.

These complaints are typically minor glitches or initial hurdles, not deal-breakers, improving with user experience and updates.

Overall, NowCerts reviews reveal a highly favored system, particularly for its support and user-friendliness. The feedback highlights that user experiences are genuinely positive, despite minor initial hurdles.

Best NowCerts Alternatives

Choosing the right insurance AMS is crucial.

Finding the best NowCerts alternatives means evaluating options tailored to different agency sizes, budgets, and specific workflow needs. I’ll help you understand when another AMS might be a better fit.

1. Applied Epic

For truly enterprise-level insurance agencies?

Applied Epic is an enterprise-level alternative for very large, multi-location agencies with complex needs and significant IT resources. From my competitive analysis, it offers immense scalability and granular control for diverse workflows. This robust option demands substantial investment compared to NowCerts.

Choose Applied Epic if your very large enterprise requires deep, specialized functionalities and can commit a significant budget.

2. EZLynx

Prioritize an integrated comparative rater?

EZLynx is renowned for its integrated comparative rater, often a primary selling point for agencies. If quickly comparing quotes from multiple carriers is your highest priority, this alternative excels. What I found comparing options is that its robust rater is a core differentiator, making it highly valuable.

Choose EZLynx when a powerful comparative rater is the central component of your agency’s daily workflow needs.

3. Vertafore AMS360

Prefer established, deep P&C functionalities?

Vertafore AMS360 is a mature AMS with deep, industry-specific features for property and casualty agencies. This alternative suits larger, established agencies with existing Vertafore relationships. From my analysis, AMS360 offers deep industry-specific functionalities, but its interface is less modern.

Choose Vertafore AMS360 if your agency requires very specific P&C workflows and prefers a long-standing, established ecosystem.

Ultimately, the best NowCerts alternatives depend on your agency’s specific needs and scale. What I found comparing options is that careful consideration of unique priorities guides your optimal AMS choice.

Setup & Implementation

Considering a new AMS implementation? Here’s the truth.

A NowCerts review reveals a deployment designed for user-friendliness, generally simpler than larger systems. I’ll walk you through what your business can realistically expect during this transition.

1. Setup Complexity & Timeline

Initial setup comes with its own hurdles.

From my implementation analysis, NowCerts is user-friendly, but initial data import can present difficulties, including inaccuracies. What I found about deployment is that successful data migration requires careful planning, though NowCerts helps with import and basic setup. Expect a manageable process.

You’ll need to meticulously prepare your existing data for migration to minimize issues and ensure a smoother, faster deployment process.

2. Technical Requirements & Integration

Is your tech stack ready for a new AMS?

NowCerts is a cloud-based, browser-accessible platform, meaning your basic technical requirements are an internet connection and modern browser. Implementation-wise, its robust integration capabilities are key with tools like QuickBooks and Zapier, streamlining your existing workflows.

Your team will need to assess existing system compatibility and plan for data flow with integrated tools to ensure a cohesive setup.

3. Training & Change Management

How quickly will your team adapt to NowCerts?

What I found about deployment is that NowCerts is designed to be intuitive, minimizing extensive training hours. They offer “NowCerts University” and video resources, supporting self-paced learning. Successful user adoption hinges on proactive engagement and leveraging these accessible training materials.

You should designate internal champions and encourage continuous learning through their provided resources to foster widespread, comfortable usage.

4. Support & Success Factors

What support can you expect during rollout?

NowCerts consistently receives praise for “award winning customer support” that’s “always available.” This strong vendor backing is crucial. From my implementation analysis, responsive support significantly reduces deployment friction, ensuring any issues are promptly addressed, preventing delays.

Leverage their excellent support proactively throughout your implementation, from initial setup questions to post-go-live optimizations, for best results.

Overall, NowCerts implementation is manageable, particularly for agencies prioritizing ease of use and strong support. Your success hinges on proactive data preparation and training, turning a straightforward deployment into a smooth transition.

Who’s NowCerts For

Is NowCerts the right fit for your agency?

This section of our NowCerts review helps you determine if this agency management system (AMS) aligns with your business profile, team size, and specific use case requirements.

1. Ideal User Profile

Independent insurance agencies seeking comprehensive tools.

NowCerts perfectly suits independent insurance agencies, including agency owners, agents, and CSRs, aiming to streamline operations and centralize data. From my user analysis, agencies valuing an all-in-one cloud-based AMS find it ideal for managing client information and automating tedious administrative tasks.

You’ll see strong success by leveraging its automation for certificates and carrier downloads, freeing up staff for more client-focused interactions.

2. Business Size & Scale

Scalable for diverse agency sizes.

NowCerts offers tiered pricing, making it accessible from startups and small agencies to medium-sized businesses and even large enterprises. What I found about target users is that it democratizes robust AMS features for all agency sizes, allowing smaller firms to compete effectively with larger ones.

You’ll know it fits if you need a flexible solution that can grow alongside your agency, without incurring prohibitively high upfront costs.

3. Use Case Scenarios

Streamlining daily insurance agency operations.

This software excels at automating routine administrative tasks like certificate issuance, carrier downloads, and commission tracking, significantly reducing manual effort. User-wise, it centralizes client and policy data efficiently, enhancing client communication through self-service portals and providing performance insights via dashboards.

You’ll find this works when your priority is reducing manual processes, gaining better control over agency data, and improving client interactions.

4. Who Should Look Elsewhere

Specific needs might require alternatives.

If your agency has highly specialized niche requirements, needs extensive offline access, or prefers deeply customized on-premise solutions, NowCerts might not be your ideal fit. From my user analysis, agencies requiring advanced mobile app functionality for frequent field agents may find limitations here.

Consider specialized or more niche-focused AMS platforms if your unique operational demands fall outside a general all-in-one cloud system.

Overall, who should use NowCerts depends on your agency’s scale, automation needs, and desire for an all-in-one cloud solution. This NowCerts review shows its strong fit for most independent agencies.

Bottom Line

Is NowCerts the right choice for your agency?

My comprehensive NowCerts review evaluates its strengths and limitations to help you decide if it aligns with your insurance agency’s specific needs and operational goals.

1. Overall Strengths

NowCerts truly excels in user-friendliness.

The software succeeds by offering an incredibly intuitive interface and exceptionally responsive customer support, greatly streamlining daily operations for insurance agencies. From my comprehensive analysis, its self-serve certificates save significant time while improving client experience. Automated tasks enhance overall productivity and efficiency.

These core strengths directly contribute to faster agent adoption and tangible efficiency gains, making it a valuable asset.

2. Key Limitations

However, some limitations warrant careful consideration.

While generally user-friendly, the initial data import can present challenges, potentially leading to inaccuracies during the setup process. Based on this review, the extensive features create a learning curve for new users, and occasional bugs might temporarily hinder workflow. Specific niche functionalities, like for Medicare, are also limited.

These drawbacks are generally manageable trade-offs, but demand patience during onboarding and awareness of specific niche limitations.

3. Final Recommendation

NowCerts earns a strong recommendation for many agencies.

You should choose NowCerts if your insurance agency prioritizes intuitive usability, robust customer support, and comprehensive core agency management features. From my analysis, it excels for small to mid-sized agencies seeking to streamline policy and client management without excessive complexity or bespoke functionalities. It offers genuine value.

My recommendation holds strong for agencies focused on operational efficiency and client management, provided they plan for initial setup and training phases.

This NowCerts review provides a comprehensive analysis, and I am highly confident in this assessment for your agency’s decision-making process.