Certificate Hero review: pricing, certificates and AMS connections
Certificate Hero is certificate of insurance software for commercial insurance brokers. Staff build ACORD certificates in a live form editor that fills in policies and limits from the agency management system, and insureds can issue their own certificates from templates the agency approves.
What sets it apart is the contract step. Staff upload a contract or paste an insurance clause, AI pulls out the insurance requirements and the editor compares them with the coverage the insured carries.
- Best for
- Commercial brokers on Applied Epic, AMS360 or Sagitta that issue many certificates against contracts
- Type
- Agency issuance with insured self-service
- Price
- Quote only
- Free trial
- No, demo on request
- Policy data from
- Applied Epic, AMS360 and Sagitta, synced every 4 hours and on demand
- Insured self-service
- Yes, from templates the agency approves
- Tracks vendor certificates
- No
Our take
Certificate Hero fits commercial brokers whose service teams issue many certificates against contracts and run big renewal batches. It works from Applied Epic, AMS360 or Sagitta data, so certificates pick up policy changes on the next sync. Pricing is by quote, so start with a demo.
Certificate Hero only issues. It doesn't track certificates your clients collect from their vendors.
Pros
- Staff-built certificates cannot show limits higher than the AMS holds, and coverage the insured lacks stays off the form
- AI reads uploaded contracts and flags lines of business that fall short of the requirements
- Staff can ask questions about a contract in a chat window while building the certificate
- One blanket endorsement form fills in each insured's details when attached
- Bulk revisions and step-by-step renewals handle large certificate batches
- Agencies choose which templates and holder changes each insured user gets
Cons
- Pricing is a custom quote
- Endorsements are not pulled from the AMS and have to be uploaded to the library
- No holder-side tracking of certificates from vendors or subcontractors
Plans and pricing
| Plan | Price | What you get |
|---|---|---|
| Certificate HeroOne subscription, set by order form | Quote only | ACORD form editor, AI contract review, AMS sync, templates, Insured Site, endorsement and wording libraries, bulk revisions and renewals, analytics |
Checked October 2026 on certificatehero.com. Price depends on the type of certificate and how much customization you need.
| Item | Terms |
|---|---|
| Payment terms | Billed ahead of time, due 30 days after the invoice |
| Late payment | Interest of up to 1.5% a month on overdue amounts |
Good to know before you buy
- Your order form sets the measure you are billed on, so ask how it counts certificates or users.
- Committed amounts can't be lowered during the term.
Getting started
Book a demo
See the editor and contract review, then sign an order form.
Connect your AMS
Insureds and a couple of years of policies come in from Applied Epic, AMS360 or Sagitta, expired ones included.
Build your libraries
The Customer Success team helps set up COI templates, line of business profiles, holders and endorsement forms.
Import existing certificates
Bring older certificates in from CSV or Excel files, then start issuing.
Support runs by phone and email from 8am to 6pm Eastern on weekdays, with a 24-hour line for outages. The help center has guides, walkthrough PDFs and videos.
Issuing certificates
- Who issues
- Agency staff in a live ACORD form editor, and insureds on the Insured Site
- Policy data
- Policies, coverages and limits fill in from the AMS. Line of business profiles set how each policy shows on the form
- Bulk and renewals
- Bulk jobs revise, renew, print or email many certificates at once, and several can run together
- Delivery
- Email with agency or user templates, print or download. One download holds up to 500 certificates
The editor can show four windows side by side: the requirements, the form, the contract and other documents. Quick Issue starts a certificate from a saved template in one step.
ACORD forms and policy data
| Form | What it is |
|---|---|
| ACORD 25 | Certificate of liability insurance |
| ACORD 27 | Evidence of property insurance, with several locations |
| ACORD 28 | Evidence of commercial property insurance, with several locations |
| ACORD 101 | Additional remarks schedule, saved as reusable text blocks |
Certificate Hero added the latest ACORD 25 in March 2026. An evidence of property certificate covers one property at a time.
Policy data comes from the AMS every 4 hours. Staff can press Insured Sync to pull one insured's changes right away.
Self-service for insureds and holders
- Who uses it
- Insureds, on the agency's Insured Site
- What they can change
- They issue from the COI templates the agency allows. Permissions decide whether they can add or edit holders
- Controls
- Admins put insured users in permission groups, such as a template-only group, and set safeguards
Contract requirements and endorsements
- Contract reading
- Upload a contract or paste its insurance clause. AI finds the clause in searchable and scanned files
- What it checks
- Coverage, limits and endorsements against the insured's AMS coverage. A line that falls short is outlined in red
- Guardrails
- A staff-built certificate can't show limits higher than the AMS holds, and coverage the insured lacks stays off
- Endorsements
- Upload blanket endorsement forms once and tag them, so each insured's details fill in. They aren't pulled from the AMS
- Who decides
- Agency staff choose the endorsements and review the certificate before it goes out
Staff can also ask questions about the contract in a chat window. Quick Finds jump to common items such as additional insured status (a party added to the policy) or a carrier's AM Best rating.
Renewals and policy changes
Renewals run step by step. Lines that changed in the AMS show a red X, and staff settle each one before bulk renewals reissue certificates to holders.
A shared policy passes AMS updates to every insured linked to it.
Integrations
| Connects to | Type | Direction | What it does |
|---|---|---|---|
| Applied Epic | AMS | Into Certificate Hero | Insureds, policies, coverages and limits every 4 hours and on demand |
| Vertafore AMS360 | AMS | Into Certificate Hero | Insureds, policies, coverages and limits every 4 hours and on demand |
| Vertafore Sagitta | AMS | Into Certificate Hero | Insureds, policies, coverages and limits every 4 hours and on demand |
| Insurity | Carrier systems | Partner | Partner since May 2024. Links Certificate Hero with carrier and MGA systems built on Insurity software |
| Salesforce, Google Data Studio and Power BI | Reporting | Out | Certificate data for CRM and business reports |
| CSV and Excel | Files | Both ways | Import new or changed certificates. Export chosen columns with a link to each PDF |
Its help center says data syncs from the AMS every 4 hours, and staff can press Insured Sync to pull one insured's changes at once. The homepage calls the connection realtime, but the help center gives the actual schedule.
Security and audit trail
Who sees what
Group permissions control staff access. Separate settings control what each insured user can do on the Insured Site.
Security
- Every certificate action is logged in a History tab
- Policies keep an audit history of changes
- SOC 2 Type 1 security report on request
- Target uptime of 99.9%
Contract and your data
- Term
- Set in your order form
- Renewal
- Renews for 12 months at a time
- Canceling
- Written notice at least 60 days before renewal
- Refunds
- Fees already paid are not refunded, except when you end it for the vendor's breach
- Your data
- You own it. It comes back in a usable format by secure file transfer within 30 days
- After you cancel
- Access ends, so keep your own backups
From the master service agreement of September 9, 2025 and the support policy, checked October 2026.
Certificate Hero alternatives
- CertificialFree for agenciesReissues certificates to holders when the policy changes
- Insurance Agent App Certs on Demand$382 a year up to 100 clientsBranded client app where insureds pull simple certificates, priced as the whole app
- Choices Agency AnywhereFrom $180 a yearLow-cost ACORD form filling for smaller agencies
See every option in COI issuance and tracking software.
Frequently asked questions
How much does Certificate Hero cost?
Certificate Hero is sold by custom quote. Price depends on the type of certificate and the level of customization.
Which agency management systems work with Certificate Hero?
Certificate Hero connects to Applied Epic, Vertafore AMS360 and Vertafore Sagitta. Policies, coverages and limits sync in every 4 hours and on demand.
Can insureds issue their own certificates in Certificate Hero?
Yes. Insureds use the Insured Site with the COI templates the agency allows, and agency permissions decide whether they can add or edit holders.
Which ACORD forms does Certificate Hero support?
It issues ACORD 25, 27 and 28 certificates and FreeForm 101 remarks.
How do I cancel Certificate Hero?
Send written notice to cancellation@certificatehero.com at least 60 days before the renewal date. Otherwise the order form renews for another 12 months.
Does Certificate Hero have a free trial?
No. It gives demos on request, then quotes a price.
How we researched this review. We based this review on the terms and product pages published by Certificate Hero, reviewed in October 2026, together with our team's experience working with insurance agents and agency owners since 2008.
Corrections
Vendors change their pricing all the time and they don't email us when they do. So if you see a price on here that's gone up, a plan Certificate Hero quit selling or a contract term that reads different now, let us know and send the link to the page where Certificate Hero has it. Somebody here pulls up that page and checks it before we change anything on ours.