Learn more about this online business insurance company that’s been serving hundreds of thousands of customers since 2016.
You’re wondering: Is NEXT Insurance legit? The answer is: absolutely yes.
We get that you have questions. Many insurance carriers have been in business for 100+ years while we’ve only been around since 2016.
In that context, we’re relatively new to the scene — but we think that gives our business and our customers an advantage over other insurance providers. Let us show you how.
Jump ahead to learn more about:
Why is NEXT a good company?
We take a unique digital-first approach to delivering fast, affordable and customized business insurance. The result is a simplified, hassle-free process for purchasing and managing your coverage online from your computer or on-the-go with our mobile app.
NEXT was founded in California by three entrepreneurs who started their careers by launching small businesses — and realized firsthand how complicated it was to insure them.
They figured there had to be more entrepreneurs just as frustrated with the process of getting insured, and that there should be a better, simpler, more user-friendly way to buy business insurance. This problem helped spur NEXT’s mission: To help entrepreneurs get the protection they need so their businesses can thrive.
With NEXT’s online insurance process, it takes just about 10 minutes to get an instant quote, buy coverage and get your proof of insurance. No holding for an agent or waiting on paperwork.
We have a broad range of insurance policies —- from general liability to workers’ comp, commercial property and more —- so you can be confident that you have the right coverage.
And once you’re a NEXT policyholder, our digital-first approach means you can go online anytime from anywhere to use our self-service tools to manage your insurance.
Need to add an additional insureds, file a claim or make changes to your policies? Just log in to your account and you’re all set.
Plus, we’re constantly using new technology to provide customers with simple and efficient digital insurance solutions.
Our customers appreciate our digital-first approach and how easy that makes it to find and customize the right coverage packages to suit their business needs.
We’re incredibly proud to serve more than 600,000 small businesses across the United States spanning hundreds of professions, from general contractors to caterers, accountants, cleaners, fitness professionals, retail shop owners — and almost everything in between.
Knowing what you need in terms of coverage — and equally what you don’t need — can be confusing. And we know that small business owners are busy doing a hundred things at once.
To help, we offer an easy, fast process that walks you through the steps you need to get the right small business insurance, right away. And we provide 24/7 account access and support plus educational resources to help you protect yourself, your employees, your customers and your business.
We’re proud that our customers love our products and service — but don’t just take our word for it.
We know word-of-mouth reviews hold weight with small businesses. See what our customers have to say about us:
NEXT Insurance customer reviews: 4.75/5 rating
NEXT Insurance reviews BBB: BBB accredited
NEXT Insurance Google reviews: 4.6/5 rating
NerdWallet: Best online business insurance
Insuranks: 9.6/10 rating
App Store: 4.9/5 rating
Google Play: 4.8/5 rating
We believe that solving problems for our customers is beneficial for everyone. So when we’re recognized in these great reviews, ratings and articles, it’s not only indicative that we’re on the right track, but a celebration of our employees, customers, partners and the small business community. (Read more of our accomplishments and recent news.)
If you need help, we’re here for you. You can get 24/7 instant support with our AI assistant or connect with our U.S.-based insurance experts weekdays from 8 a.m. to 5 p.m. CT.
We have a dedicated team of in-house insurance experts whose mission is to answer your questions and help you manage your coverage.
One of our core company values is “phenomenal service,” which guides our operations and decision-making. This commitment to providing world-class service inspires our employees to always put our customers first.
Since our founding, we’ve been backed by some of the biggest names in insurance, finance and tech. We feel lucky to have strategic partners and investors who share our mission to help small businesses thrive by providing an easy way for them to access the tailored business insurance they need.
Since 2017, we’ve worked with multinational insurance company Munich Re to grow and develop our insurance products.
As of July 2025, NEXT Insurance has become part of ERGO Group AG, one of the world’s leading insurance companies and a subsidiary of Munich Re.
What does this mean for our small business customers, agents and partners?
We’re looking ahead with more energy, purpose and support than ever before.
This partnership will help us provide outstanding value to customers, and allow you to focus on what you do best: Establishing and growing your businesses.
Every entrepreneur does things differently. With NEXT, you can buy insurance directly from our website or partner with more than 150,000 independent insurance agents and agencies that sell NEXT products.
Our agents are available in every state to help you understand coverage and local requirements.
Regardless of how you get NEXT’s coverage — online or through an agent — you’ll have access to our insurance experts when you need them.
In addition to self-service or working with agents, we have more than 100 industry partners who chose us to help their customers find business insurance. This list includes companies like Intuit, Gusto, Amazon, LegalZoom and many more.
So now that you know NEXT Insurance is 100% legit, we’d love the opportunity to become your trusted business insurance partner.
NEXT makes it fast, easy and affordable to protect your small business — and you can do it all online. Go from quote to covered in about 10 minutes. You can immediately share your proof of insurance at no extra charge, and you can access your policy 24/7 via web or mobile app.
If you have questions, our licensed, U.S.-based insurance professionals are available to help.
Kim Mercado is a content editor at NEXT. She writes and edits content for small business owners, and enjoys helping entrepreneurs solve their business challenges and learn about insurance. Kim has contributed to Salesforce, Samsara and Google.
You can find Kim trying new recipes and cheering the 49ers.
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