Best for
Best for small independent P&C agencies that want a published monthly price and self-serve certificates for their insureds.
- Freelancers
- Small and mid-sized
Insurance Agency Software Comparison
NowCerts vs. Vertafore AMS360
At a glance
At a glance
Best for
Best for growing independent agencies that write personal and commercial lines and need agency accounting with a general ledger.
Cataleo does not name a winner. Both statements come from the vendors themselves.
Full Comparison
| Criterion | NowCerts | Vertafore AMS360 |
|---|---|---|
| Starting price | From $99 / month Essentials plan with 1 user included; Professional includes 2 users and Business 5. Additional user licences cost extra. | Not stated Prices are not published. |
| Free trial | 30-day free trial | Not stated |
| Users | 1, 2 or 5 users included depending on plan; the Enterprise plan is listed for 50+ users | Not stated |
| API | Developer REST API and Zapier; the number of API integrations depends on the plan | Open API and third-party integrations |
| Hosting | Cloud-based, used in a browser | Not stated |
| Clients and policies | Client and policy records with endorsements that log every change, document storage, notes and reminders per policy, all ACORD forms in PDF or HTML filled from the record, and a claims module for tracking and submitting claims | Policy history, coverage and policy templates, policy management workflows, policy compare, declaration pages and document management, as listed in a 2022 Vertafore datasheet |
| Lines of business and markets | Property and casualty: certificates and a loss runs module for commercial accounts, personal lines quoting through rater integrations; broker and wholesaler functionality and online MGA integration are listed in the plans | Personal and commercial lines workflows |
| Comparative rating and quoting | Integrations with outside comparative raters, named as TurboRater and Applied, for personal lines quotes from one application; a quote form for the agency website feeds prospects into NowCerts | Vertafore lists rating as separate products, PL Rating and Commercial Submissions |
| Carrier downloads and connectivity | Automated policy updates from carrier databases through IVANS, which the vendor says covers downloads from over 250 carriers, and Ebix TEAM-UP; eServicing access to carrier portals is listed in the plans | Carriers download new policies, endorsements, claims and renewals directly into the agency system |
| Sales pipeline and renewals | Sales pipeline management with prospect tracking and CRM automation campaigns, a renewal center with reminders before renewal, and automated pending-cancellation messages to customers | Renewal workflows to prioritise key clients, send proposals and mass-distribute certificates; AgencyZoom is offered as a separate sales product |
| Commissions and agency accounting | Tracking of agency and agent commissions, agency fees and carrier fees, commission reconciliation, billing and accounting with invoices, receipts and refunds, and a QuickBooks integration | Automated billing and invoicing, payment tracking and reconciliation, commission splits calculated automatically and shown in statements, and a general ledger |
| Client portal and certificates | Insured portal where clients view policy details, issue their own certificates, request policy changes, pay and sign documents; the vendor states portal accounts and certificates sent through the system carry no extra charge | InsurLink client portal with 24/7 access to insurance information; certificates created, issued and managed in AgencyOne with real-time AMS360 data |
| Compliance records and audit trail | Every policy change is recorded as an endorsement, and notes and reminders are kept per agency, customer or agent | Five permanent security groups with preset access to menus and tasks plus up to 95 custom groups, the option to restrict an employee to customer names only in search results, and an Audit Trail utility that shows who accessed a customer, policy or claim in a date range, exportable to Excel, which the vendor says provides information required by privacy laws |
| Reports and exports | Over 40 prepared reports with filters, custom and scheduled reports, a customizable user dashboard and data export to Excel | Reports by any time frame, financial reports on agency health and KPI analysis |
| Integrations and API | Developer REST API, Zapier, Twilio for texting, QuickBooks, Outlook and Google email and calendar, OneDrive and SharePoint, telephony and lead generator integrations | Open API and third-party integrations, and connections to other Vertafore solutions and third-party tools through AgencyOne |
| AI features | No | stated Yes |
| Deployment | Cloud (SaaS) | Not stated |
| Support | Email helpdesk, Phone | Not stated |
| Onboarding | Documentation and knowledge base, Guided onboarding | Not stated |
| Company size | Freelancers, Small and mid-sized | Not stated |
| Integrations | more entries IVANS, Ebix TEAM-UP, TurboRater, Applied, QuickBooks, Zapier, Twilio, Microsoft Outlook, Google G Suite, Microsoft OneDrive, Microsoft SharePoint | AgencyZoom, InsurLink, AgencyOne, Microsoft Office |
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Row where the values differ The small markers point at the lower number, the longer list or the stated feature. They describe the data, they are not a verdict.
The short version
Key Differences
- AI features NowCerts No Vertafore AMS360 Yes
- API NowCerts Developer REST API and Zapier; the number of API integrations depends on the plan Vertafore AMS360 Open API and third-party integrations
- Clients and policies NowCerts Client and policy records with endorsements that log every change, document storage, notes and reminders per policy, all ACORD forms in PDF or HTML filled from the record, and a claims module for tracking and submitting claims Vertafore AMS360 Policy history, coverage and policy templates, policy management workflows, policy compare, declaration pages and document management, as listed in a 2022 Vertafore datasheet
- Lines of business and markets NowCerts Property and casualty: certificates and a loss runs module for commercial accounts, personal lines quoting through rater integrations; broker and wholesaler functionality and online MGA integration are listed in the plans Vertafore AMS360 Personal and commercial lines workflows
- Comparative rating and quoting NowCerts Integrations with outside comparative raters, named as TurboRater and Applied, for personal lines quotes from one application; a quote form for the agency website feeds prospects into NowCerts Vertafore AMS360 Vertafore lists rating as separate products, PL Rating and Commercial Submissions
Every line is one datapoint from the table above, picked automatically. Nothing here is written text.
The trade-offs
Strengths and Limitations
NowCerts
Strengths
- Published monthly plans from $99, with a 30-day free trial
- Insured portal where clients issue their own certificates, request changes and pay
- Carrier downloads through IVANS, which the vendor puts at over 250 carriers
- Tracks agency and agent commissions, fees and carrier fees, with reconciliation
Limitations
- The vendor site describes quoting only through integrations with outside raters
- Enterprise plan price not published
- The pricing table and the FAQ on the vendor site give different prices for an additional user
Vertafore AMS360
Strengths
- Personal and commercial lines in one agency management system
- Commission splits calculated automatically and shown in statements
- Connects to other Vertafore products such as InsurLink through AgencyOne
Limitations
- Prices are not published
- The product page does not state whether AMS360 is cloud-hosted
Plans
Pricing
NowCerts
- Essentials $99 Per month, 1 user included.
- Professional $169 Per month, 2 users included.
- Business $349 Per month, 5 users included.
- Enterprise Not stated For 50+ users; price on request.
Vertafore AMS360
- AMS360 Not stated Prices are not published; Vertafore offers a demo on request.
What users say
Review Scores · opens after launch
NowCerts
- Ease of use
- Not rated yet
- User interface
- Not rated yet
- Onboarding
- Not rated yet
- Support and service
- Not rated yet
- Value for money
- Not rated yet
- Features
- Not rated yet
No reviews yet. Nothing has been published here yet, and no score is shown. How a review is checked before it appears is described below.
Vertafore AMS360
- Ease of use
- Not rated yet
- User interface
- Not rated yet
- Onboarding
- Not rated yet
- Support and service
- Not rated yet
- Value for money
- Not rated yet
- Features
- Not rated yet
No reviews yet. Nothing has been published here yet, and no score is shown. How a review is checked before it appears is described below.
How we check reviews
Before sending, the author has to confirm three things: that they have used the product themselves, that they work neither for the vendor nor for a competitor, and that nobody is paying them for the review. We also ask whether the vendor invited them to write it. That answer is required, either answer is accepted, and it stays with the review.
Every review is read by a person before it appears. An email address is required and is confirmed: we send a link to it, and a review does not reach us until the author opens that link, so a review has a sender who was reachable at least once rather than being anonymous. Where what somebody writes needs backing, we ask them for evidence that they used the product, and a review that does not get it is not published. We publish positive and negative reviews alike, we pay nothing and offer nothing for a review, and we accept none that was bought or incentivised.
What we cannot do is verify a purchase. There is no shop here and no account, so whether the author really used the tool rests on their own declaration, on whatever we ask them for, and on the plausibility of what they write. We say so rather than implying a check that does not exist.
A vendor cannot buy a review, and cannot have one removed or changed because they dislike it. We remove or edit a review only if it breaks our rules or the law, for example a false statement of fact. Paid placement has no effect on which reviews appear or on any score.
Where this comes from
Where this comes from
NowCerts https://www.nowcerts.com/ · checked against the official source on 2026-11-05
Vertafore AMS360 https://www.vertafore.com/products/agency-management-software/ams360 · checked against the official source on 2026-11-06
This table lists factual criteria taken from information the vendors publish themselves. For how we put it together, see the methodology.