Momentum (NowCerts) connector: plug AI into your AMS

In short: as of November 14, 2026, Momentum AMS (formerly NowCerts) is one of the few US agency management systems with an open, documented REST API. Momentum has not announced an official MCP server, but Pipedream lists a third-party one, and Momentum ships its own AI products. Covera, an AI workspace for insurance agencies, built its own Momentum connector on the official API.

Example question, Tuesday 10 a.m., from an account manager to an AI assistant: "Does the Alvarez account have an open claim, and when does their commercial auto renew?" In Momentum, that means finding the insured, opening the policies, then the claims, then the notes. For an AI to answer instead, it first has to be able to read Momentum.

Does Momentum AMS have an API?

Yes. Momentum describes itself as an open API platform. Its REST API lets developers and technical users import, update and retrieve data about insureds, policies, prospects and more. Documentation lives on the Momentum developer portal (api.momentumamp.com), requests go to api.nowcerts.com, and vendors can request a dedicated test agency from the Momentum partner support team.

That openness is why Momentum lists many integrations on its site, among them InsuredMine, QuickBooks, Better Agency, Agave, IVANS downloads, ACORD forms, RingCentral, Google Workspace and ePayPolicy.

Is NowCerts the same as Momentum?

Yes. NowCerts was founded in 2009; after a merger, the company rebranded as Momentum in 2024. The API host still carries the NowCerts name, and agencies use both names. This article, and Covera, treat them as the same AMS.

Is there an MCP server for Momentum or NowCerts?

No official one, as of November 14, 2026.

MCP (Model Context Protocol) is an open standard, published by Anthropic in November 2024 and adopted by OpenAI in 2025, that lets an assistant such as ChatGPT or Claude query a business application directly, within the permissions it is given. An MCP server almost always sits on top of an API, and Momentum has one, so third parties can build on it.

Pipedream, an integration platform, lists a Momentum AMS MCP server that connects a Momentum account to Claude, Cursor and other AI clients. It is published by Pipedream, not endorsed by Momentum on that page, and the agency remains responsible for what the assistant can see and do with its client data.

Does Momentum have built-in AI?

Yes. Momentum lists Momentum Voice, a voice product for agencies, and InsuranceAgency.AI, which it presents as an AI operating system for independent agencies. These products come from Momentum itself. An AI workspace that sits next to the AMS can also work across the inbox, carrier portals and documents that live outside it.

How do I connect ChatGPT or Claude to Momentum?

Four options, checked on November 14, 2026:

Exporting is the most common reflex: pull the policy list, drop it into ChatGPT, ask the question. It works to spot, for example, BOP clients without cyber coverage. Three limits show up fast.

1. The copy goes stale. An endorsement processed this morning is not in it. The AI answers on yesterday's book without saying so.
2. The documents are not in it. Dec pages, loss runs and signed applications stay in Momentum, and that is where half of an account manager's answers live.
3. The data leaves your controls. An export holds names, addresses, policy numbers and claims. Uploading it to a personal ChatGPT account is processing client data without a data processing agreement.

We cover these differences in Covera vs ChatGPT for insurance agencies, and what an assistant built for agencies should do in the AI assistant guide for insurance agencies.

The Covera Momentum connector

We built our Momentum connector on the official REST API. In practice:

• The AI assistant answers from the AMS. Tuesday's question gets its answer: the Alvarez claims, the commercial auto renewal date and the documents on file, each cited with its source.
• Quoting starts from the Momentum record. The carrier portal quoting workflow prefills the risk profile from the book, then fills the carrier portals. The producer or account manager checks each screen and submits.
• Document collection starts with the file. The intake workflow opens the file, lists the documents needed and requests the missing ones from the client.
• No duplicate clients. Before anything is created in Momentum, Covera looks for an existing insured, and someone at the agency confirms.

Three principles do not change: Covera never deletes anything in Momentum, anything it creates is created on a request from the agency, and Covera does not train any AI model on agency data. The current scope of the connector is on the Momentum integration page. Covera also connects to EZLynx, and our overview of AMS connectors covers the other US agency management systems.

How do I connect Momentum to Covera?

1. The agency generates a Momentum API key dedicated to Covera.
2. The key is stored encrypted, never shown again in Covera.
3. The first sync reads the book, and the agency checks it before the workflows rely on it.

Nothing is installed on agency computers for this connection.

What the time back is worth

An AI that reads the AMS saves the four-tab lookup before every call, and retyping the client record into each carrier portal. At agencies using Covera, each user gets 10 hours a week back, new business closed grows 20%, and return on investment reaches 12 times the cost in 4 weeks.