NowCerts

NowCerts (rebranded to Momentum AMP, but the API is still served from api.nowcerts.com) is a cloud insurance agency management system (AMS) for independent agencies. It exposes a documented REST API that lets agencies and their integration partners import, update, and retrieve their own book of business - insureds and prospects, policies and coverages, carriers and underwriters, endorsements and commissions, tasks and workflow, drivers, vehicles, properties, claims, certificates of insurance, notes, SMS, and payments. The API is token-authenticated and reachable by any NowCerts agency whose account has the "API Integration" agent role assigned; API integrations are gated to the Professional tier and above. Endpoints are documented on the public ASP.NET Web API help page at api.nowcerts.com/Help and are widely used through Zapier and partner integrations.

NowCerts publishes 6 API contracts indexed on the APIs.io network, including Authentication API, Carriers API, Endorsements API, and 3 more. Tagged areas include Insurance, Insurtech, Agency Management System, AMS, and Policies.

The NowCerts catalog on APIs.io includes 1 Spectral governance ruleset.

NowCerts’ developer surface includes engineering blog, authentication, documentation, and 8 more developer resources.

🌐 Visit website 📡 Profile data on GitHub

27.0/100 thin ▬ flat Agent 19/100 agent aware saas Full breakdown ↓
scored 2026-11-13 · rubric v0.28.0 · Show this score on your site →

AccessPaid

1 published contract

Insurance Insurtech Agency Management System AMS Policies InsuredsCertificates of InsuranceREST

What this lets a business do 1

Business capabilities this provider's published APIs can perform, derived from its own contracts. Browse all capabilities →

Customer Relationship Management

BC-420

Insureds

POST /Insured/Insert GET /InsuredDetailList GET /Customers/GetCustomers

Kin Score

Kin Score How this is scored →
scored 2026-11-13 · rubric v0.28.0

Composite quality — 27.0/100 · thin

Contract Quality 9.4 / 19

Developer Ergonomics 4.8 / 15

Access Clarity 1.0 / 15

Operational Transparency 0.7 / 10

Contract Governance 1.2 / 9

Discoverability 5.0 / 8

Regulatory Posture 0.8 / 15

Create-or-Update Ergonomics 0.0 / 10

Agent readiness — 19/100 · agent aware

Machine-Readable Contract 18 / 18

Agentic Access Contract 10 / 10

Documented Reversibility 0 / 6

MCP Server 0 / 12

Machine-Readable Auth 10 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 7 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Delegated User Identity 0 / 6

Protected Resource Metadata 0 / 5

Registration Without a Human 0 / 6

Agentic Commerce Well-Known Document 0 / 5

Pagination 0 / 5

Distinct Operations 3 / 3

MCP Tool Quality 6 / 6

Regulatory Posture applies to this provider. Its tags matched the Insurance regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

Create-or-Update Ergonomics applies to this provider. This API accepts writes, so it carries 10 points of the composite. It is scored from the published contracts themselves: whether a caller can create-or-update in one call, whether the write accepts a key the caller already holds, and whether the response says which branch ran. Without that, every write needs a search-and-branch in front of it, and the first time that check is skipped a duplicate record is created. Scored against the observed mean rather than raw — a provider at the catalog average is unchanged by this facet, not penalised by it.

The six quality facets above are damped to 75 points between them, because the conditional facet above carries the other 25. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 75% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

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Agent readiness — checks not met, largest first (exact, from this profile):

MCP Server +12 pts — deployment.mode + probe verdict on the mcp/ manifest, not the pointer; an unprobed slug falls back to authorship Ask about this →
Idempotency +9 pts — OpenAPI mutating operations declare an idempotency key — a header, a request-body property, or a named de-duplication token whose own description says so (verified); else common[].type matches /idempoten/i (documented) Ask about this →
Stable Error Semantics +8 pts — OpenAPI $refs a shared error schema across 4xx/5xx responses (verified), else common[].type includes ErrorCatalog / ErrorCodes / DeclineCodes Ask about this →
A2A Agent Card +8 pts — a2a/-a2a.yml manifest, graded on conformance.grade against A2A 1.0.0 Ask about this →
Request/Response Examples +7 pts — share of operations carrying request/response examples; else an Examples / Code Samples link Ask about this →
Registration Without a Human +6 pts — a `registration_endpoint` in the served RFC 8414 / OIDC discovery document Ask about this →

10 more unmet checks in the Agent Readiness table above.

Kin Score — facets with the most composite points still available (weight × headroom):

Access Clarity scores 6.4 — up to +18.7 composite points Ask about this →
Developer Ergonomics scores 32.1 — up to +13.6 composite points Ask about this →
Contract Quality scores 50.2 — up to +12.5 composite points Ask about this →

Each check links to what satisfies it. Publish the artifact, or tell us where it already lives, and the score moves on the next scoring run.

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Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from the provider profile at artifacts.apis.io/nowcerts/apis.yml: open an issue on github.com/api-evangelist/nowcerts to ask a question or point us at an artifact you publish. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Standards implemented 2

Standards this provider implements or carries. De facto ones are profiled and measured by the API Commons; formal ones come from the standards directory and are linked by the provider's own tags. The evidence column says how each claim was established — not that it was made.

REST

tagged — the provider's own APIs.json carries the standard as a tag; implementation not verified

OpenAPI

measured — observed by APIs.io (published)

APIs 6

Individual APIs this provider publishes, each with its own machine-readable definition.

NowCerts Authentication API

Obtain and refresh bearer tokens.

NowCerts Carriers API

Carrier, underwriter, and line-of-business reference data.

NowCerts Endorsements API

Policy endorsements and their financial detail.

NowCerts Insureds API

Insureds and prospects (customers), their contacts, and related data.

NowCerts Policies API

Policies, coverages, and quotes.

NowCerts Tasks API

Tasks, task work groups, and to-do workflow.

Open Collections 7

Open, tool-agnostic API collections (OpenAPI-derived and Bruno).

NowCerts Authentication API

OPEN COLLECTION

NowCerts Authentication Carriers API

OPEN COLLECTION

NowCerts Authentication Endorsements API

OPEN COLLECTION

NowCerts Authentication Insureds API

OPEN COLLECTION

NowCerts Authentication Policies API

OPEN COLLECTION

NowCerts Authentication Tasks API

OPEN COLLECTION

NowCerts API

OPEN COLLECTION

Scroll for all 7

NowCerts API pricing

Not yet checked against NowCerts's own pricing page. Compiled by API Evangelist on 2026-07-10 from www.nowcerts.com/pricing; confirm before you rely on a figure.

Plan	Price
Essentials paid	—
Professional paid	—
Business paid	—
Enterprise enterprise	—

Plan details, limits and sources →

Rate limits

REST API Requests: not published requests
API Integrations: per plan integrations
Bulk Insert Batch: batch-based records

Compiled by API Evangelist, not yet checked against NowCerts's documentation. Rate-limit details →

Pricing Plans 1

Published pricing tiers and plan structures.

NowCerts Plans Pricing

4 plans

PLANS

Rate Limits 1

Documented rate limits and quota policies.

NowCerts Rate Limits

3 limits

RATE LIMITS

FinOps 1

Cost, billing, and metering signals for API financial operations.

NowCerts Finops

FINOPS

Spectral Rules 1

Spectral governance rulesets for linting and validating these APIs. Counts are the severity each rule declares, not results of running them.

NowCerts API Rules

64 rules · 56 error-severity 7 warn-severity 1 info-severity

SPECTRAL

Security Posture 2

Authentication, domain security, vulnerability disclosure, and trust-center signals.

NowCerts Authentication

http · 1 scheme

SECURITY

NowCerts Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Agentic Access (API Evangelist recommendations) 1

Recommended x-agentic-access execution contracts for AI agents.

NowCerts Agentic Access

21 operations · 6 acting

AGENTIC

Resources

Documentation 1

Reference material describing how the API behaves

Documentation

Documentation

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

AgenticAccess

AgenticAccess

Access & Security 2

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Authentication

Authentication

Operate 1

Status, limits, changes, and where to get help

RateLimits

RateLimits

Commercial 2

Pricing, plans, and the legal terms of use

Plans

Plans

FinOps

FinOps

Company 3

The organization behind the API

Blog

Blog

LinkedIn

Website

Website

Other 1

Properties that don't map to a standard resource type

CapabilityMap

CapabilityMap

Source (apis.yml)

aid: nowcerts
url: https://raw.githubusercontent.com/api-evangelist/nowcerts/refs/heads/main/apis.yml
name: NowCerts
kind: company
description: NowCerts (rebranded to Momentum AMP, but the API is still served from api.nowcerts.com) is a cloud insurance
  agency management system (AMS) for independent agencies. It exposes a documented REST API that lets agencies and their integration
  partners import, update, and retrieve their own book of business - insureds and prospects, policies and coverages, carriers
  and underwriters, endorsements and commissions, tasks and workflow, drivers, vehicles, properties, claims, certificates
  of insurance, notes, SMS, and payments. The API is token-authenticated and reachable by any NowCerts agency whose account
  has the "API Integration" agent role assigned; API integrations are gated to the Professional tier and above. Endpoints
  are documented on the public ASP.NET Web API help page at api.nowcerts.com/Help and are widely used through Zapier and partner
  integrations.
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: true
  label: Hosted service · you call their endpoint
  confidence: high
  source:
  - openapi
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: paid
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Paid
  confidence: medium
  source:
  - plans
  - authentication
  - security
  generated: '2026-11-13'
  method: derived
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/nowcerts.png
tags:
- Insurance
- Insurtech
- Agency Management System
- AMS
- Policies
- Insureds
- Certificates of Insurance
- REST
created: '2026-07-10'
modified: '2026-10-06'
specificationVersion: '0.23'
apis:
- aid: nowcerts:nowcerts-authentication-api
  name: NowCerts Authentication API
  description: Obtain and refresh bearer tokens.
  humanURL: https://api.nowcerts.com/Help
  baseURL: https://api.nowcerts.com/api
  tags:
  - Authentication
  properties:
  - type: OpenAPI
    url: openapi/nowcerts-authentication-api-openapi.yml
  - type: Documentation
    url: https://api.nowcerts.com/Help
  - type: APIReference
    url: https://api.nowcerts.com/Help
  - type: PostmanCollection
    url: collections/nowcerts.postman_collection.json
  - type: OpenCollection
    url: collections/nowcerts.opencollection.json
  - type: APIReference
    url: https://api.nowcerts.com/Help/Api/GET-api-Policy-GetPolicyFilesList_insuredId_policyId_folderId
- aid: nowcerts:nowcerts-carriers-api
  name: NowCerts Carriers API
  description: Carrier, underwriter, and line-of-business reference data.
  humanURL: https://api.nowcerts.com/Help
  baseURL: https://api.nowcerts.com/api
  tags:
  - Carrier
  tags_raw:
  - Carriers
  properties:
  - type: OpenAPI
    url: openapi/nowcerts-carriers-api-openapi.yml
  - type: Documentation
    url: https://api.nowcerts.com/Help
  - type: APIReference
    url: https://api.nowcerts.com/Help
  - type: PostmanCollection
    url: collections/nowcerts.postman_collection.json
  - type: OpenCollection
    url: collections/nowcerts.opencollection.json
  - type: APIReference
    url: https://api.nowcerts.com/Help/Api/GET-api-Policy-GetPolicyFilesList_insuredId_policyId_folderId
- aid: nowcerts:nowcerts-endorsements-api
  name: NowCerts Endorsements API
  description: Policy endorsements and their financial detail.
  humanURL: https://api.nowcerts.com/Help
  baseURL: https://api.nowcerts.com/api
  tags:
  - Endorsements
  properties:
  - type: OpenAPI
    url: openapi/nowcerts-endorsements-api-openapi.yml
  - type: Documentation
    url: https://api.nowcerts.com/Help
  - type: APIReference
    url: https://api.nowcerts.com/Help
  - type: PostmanCollection
    url: collections/nowcerts.postman_collection.json
  - type: OpenCollection
    url: collections/nowcerts.opencollection.json
  - type: APIReference
    url: https://api.nowcerts.com/Help/Api/GET-api-Policy-GetPolicyFilesList_insuredId_policyId_folderId
- aid: nowcerts:nowcerts-insureds-api
  name: NowCerts Insureds API
  description: Insureds and prospects (customers), their contacts, and related data.
  humanURL: https://api.nowcerts.com/Help
  baseURL: https://api.nowcerts.com/api
  tags:
  - Insureds
  properties:
  - type: OpenAPI
    url: openapi/nowcerts-insureds-api-openapi.yml
  - type: Documentation
    url: https://api.nowcerts.com/Help
  - type: APIReference
    url: https://api.nowcerts.com/Help
  - type: PostmanCollection
    url: collections/nowcerts.postman_collection.json
  - type: OpenCollection
    url: collections/nowcerts.opencollection.json
  - type: APIReference
    url: https://api.nowcerts.com/Help/Api/GET-api-Policy-GetPolicyFilesList_insuredId_policyId_folderId
- aid: nowcerts:nowcerts-policies-api
  name: NowCerts Policies API
  description: Policies, coverages, and quotes.
  humanURL: https://api.nowcerts.com/Help
  baseURL: https://api.nowcerts.com/api
  tags:
  - Policies
  properties:
  - type: OpenAPI
    url: openapi/nowcerts-policies-api-openapi.yml
  - type: Documentation
    url: https://api.nowcerts.com/Help
  - type: APIReference
    url: https://api.nowcerts.com/Help
  - type: PostmanCollection
    url: collections/nowcerts.postman_collection.json
  - type: OpenCollection
    url: collections/nowcerts.opencollection.json
  - type: APIReference
    url: https://api.nowcerts.com/Help/Api/GET-api-Policy-GetPolicyFilesList_insuredId_policyId_folderId
- aid: nowcerts:nowcerts-tasks-api
  name: NowCerts Tasks API
  description: Tasks, task work groups, and to-do workflow.
  humanURL: https://api.nowcerts.com/Help
  baseURL: https://api.nowcerts.com/api
  tags:
  - Task
  tags_raw:
  - Tasks
  properties:
  - type: OpenAPI
    url: openapi/nowcerts-tasks-api-openapi.yml
  - type: Documentation
    url: https://api.nowcerts.com/Help
  - type: APIReference
    url: https://api.nowcerts.com/Help
  - type: PostmanCollection
    url: collections/nowcerts.postman_collection.json
  - type: OpenCollection
    url: collections/nowcerts.opencollection.json
  - type: APIReference
    url: https://api.nowcerts.com/Help/Api/GET-api-Policy-GetPolicyFilesList_insuredId_policyId_folderId
common:
- url: https://www.nowcerts.com/blog/
  type: Blog
- type: CapabilityMap
  url: capabilities/nowcerts-capability-edges.yml
  name: NowCerts Business Capability Map
- type: AgenticAccess
  url: agentic-access/nowcerts-agentic-access.yml
- type: DomainSecurity
  url: security/nowcerts-domain-security.yml
- type: Authentication
  url: authentication/nowcerts-authentication.yml
- type: LinkedIn
  url: https://www.linkedin.com/company/momentumamp
- type: Website
  url: https://www.nowcerts.com
- type: Documentation
  url: https://api.nowcerts.com/Help
- type: Plans
  url: plans/nowcerts-plans-pricing.yml
- type: RateLimits
  url: rate-limits/nowcerts-rate-limits.yml
- type: FinOps
  url: finops/nowcerts-finops.yml
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

NowCerts API — frequently asked questions

Does NowCerts have an API?

Yes. APIs.io lists 6 APIs from NowCerts, including NowCerts Authentication API, NowCerts Carriers API and NowCerts Endorsements API, and 3 more.

Is there an OpenAPI specification for the NowCerts API?

Yes. APIs.io indexes 6 OpenAPI specifications for NowCerts, each linked for download from this page.

How do I authenticate with the NowCerts API?

NowCerts uses bearer-token authentication (http · 1 scheme). The details are profiled on APIs.io as NowCerts Authentication.

How much does the NowCerts API cost?

APIs.io lists 4 pricing plans for NowCerts, with each plan's price, limits and inclusions under Pricing on this page.

Is the NowCerts API ready for AI agents?

NowCerts has a Kin Score of 27.0 out of 100 (thin) and an Agent Readiness score of 19.0 (agent-aware), scored by API Evangelist on 2026-11-13.

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