Grow your book of business with ERGO NEXT

From quote to bind to servicing, ERGO NEXT gives agents a fully digital way to write small business.

Multi-line small business coverage: GL, BOP, WC, PL and more
Coverage for 1,300+ classes across all 50 states
Admitted carrier backed by an A+ AM Best rating

Trusted by agents and small businesses. Backed by Munich Re.

750,000+

750K+

Customers insured

100%

Instant online access

1,300+

Types of businesses covered

4.7/5

Customer rating

Featured On

Rated 4.7/5

(5056 reviews)

Built to help agents win more micro-small business accounts

Simplify quoting and servicing

Verify eligibility with our Appetite Checker
100% digital quote-to-bind in about 10 minutes
Easy online self-service for you and your clients (including unlimited COIs)

Grow your commercial book of business

Coverage for 1,300+ classes
Multi-line coverage with bundling discounts*
Automatic policy renewal

Sell with confidence

Backed by Munich Re
Admitted carrier with A+ (Superior) by AM Best.
Built for long-term agent partnerships with ongoing training and support

A broad appetite for 1,300+ types of micro-small businesses

ERGO NEXT protects over 750,000 small businesses across a wide range of industries and growth stages. Our appetite spans everything from new ventures and solopreneurs to growing companies with up to $5M in annual revenue and $3M in total insured value (TIV).

Food and Bev

Restaurants
Bakeries
Catering Services
Coffee Shops

Retail

E-commerce
Distributor
Grocery Store
Florists
Clothing Store

Professional Services

Accountants
Consultants
Real estate agents
Legal services

Contractors

Handypersons
Carpenters
Electricians
Landscaping

Health & Wellness

Personal Trainers & Fitness Instructors
Yoga & Pilates Studios
Massage Therapists
Mental Health Counselors

Beauty & Personal Care

Hair Stylist
Barber
Makeup Artists
Nail Technician

Cleaning & Janitorial

House Cleaning Services
Janitorial Services
Carpet & Upholstery
Window Cleaning

and More!

Multi-line coverage designed just for micro-small businesses

ERGO NEXT offers flexible coverage options you can customize based on client needs, with discounts of up to 10% when bundling certain policies.* Commercial auto coverage is not currently available through agents appointed with ERGO NEXT.

Business Owner’s Policy

Combines general liability and commercial property coverage in one policy for businesses with equipment, inventory or physical locations. Commonly written for businesses that have physical premises, such as retail stores and real estate offices.

General Liability

Coverage for third-party claims for bodily injury, property damage and personal injury arising from business operations. Often written for contractors, janitorial services, landscapers and retail businesses.

Workers’ Compensation

Coverage for employee workplace injuries, including medical expenses, lost wages and employer liability. Commonly written for restaurants, retail stores, contractors and other businesses with employees.

Professional Liability/E&O

Coverage for claims alleging professional negligence, errors or failure to perform professional services. Frequently written for consultants, real estate professionals, insurance agents and other professionals.

Umbrella/Excess Liability

Provides additional liability limits above underlying policies such as general liability or a BOP. Commonly written for contractors, consultants and other businesses that require higher liability limits.

Tools & Equipment

Add a tools and equipment upgrade to your general liability insurance. If your gear ever gets damaged or stolen, we'll be there to abracadabra them back in a flash.

Agents rely on ERGO NEXT to grow their book of business

Gives me a competitive edge

ERGO NEXT gives me a competitive edge because I can work faster. I got appointed and started binding immediately with no additional paperwork.

— Monica, BRZ Insurance

All about self-service

ERGO NEXT is all about self-service. I can make policy changes in the agent portal, and my clients can generate their own COIs online in minutes.

— Suzie, Insurance Producers Network

Trusted for years

I’ve trusted ERGO NEXT for years. Now that it’s part of Munich Re, I’m confident in their long-term stability as I build my book with them.

— Andrew, ABC Group Agency, Inc.

Frequently Asked Questions

What types of small business insurance does ERGO NEXT offer?

ERGO NEXT offers a range of small business insurance lines that include general liability, business owner’s policy (BOP), workers’ compensation, professional liability, errors & omissions (E&O), umbrella/excess liability, tools & equipment.

Commercial auto coverage is not currently available for agents.

What types of businesses can I write with ERGO NEXT?

ERGO NEXT supports more than 1,300 eligible small business classes across industries including construction, restaurants, retail, professional services and more.

Coverage is available for a wide range of small businesses, from solopreneurs and startups to growing companies with up to $5M in annual revenue and $3M in total insured value (TIV).

You can check eligibility for any class of business with our Appetite Checker.

Does ERGO NEXT sell personal lines or health insurance?

ERGO NEXT is exclusively a small business insurance carrier. We don't offer personal auto, homeowners or health insurance. If you're looking to place commercial coverage for small business clients — not personal lines — you're in the right place.

Is ERGO NEXT available in all 50 states?

ERGO NEXT offers small business insurance coverage across all 50 states.

How long does it take to get appointed as an ERGO NEXT agent?

With a valid National Producer Number (NPN), agents can typically get appointed and start quoting in 10 minutes.

How quickly can I quote and bind coverage?

The ERGO NEXT quote process is 100% digital. You can generate quotes and bind them online in minutes with no underwriting delays.

Can agents and clients manage policies online?

ERGO NEXT offers self-service tools that allow agents and clients to access policies and endorsements online and get unlimited certificates of insurance.

Is ERGO NEXT an admitted carrier?

ERGO NEXT is an admitted insurance carrier backed by Munich Re with an A+ (Superior) by AM Best rating.

Is there a minimum production requirement to stay appointed?

ERGO NEXT does not have a minimum premium requirement.

Why do agents choose ERGO NEXT?

Agents choose ERGO NEXT for broad small business appetite, instant online quote and bind, self-service servicing tools, the financial strength of Munich Re, and their focus on small businesses and the agents that support them.

ERGO NEXT Insurance has a Financial Strength Rating of A+ (Superior) by AM Best. The rating reflects ERGO NEXT’s inclusion as a member of the lead rating unit, Munich Reinsurance Company (Munich Re).