Instant coverage designed for small businesses and the self-employedGet Instant Quote
If you damage someone’s property or your business property needs to be replaced or repaired.
If someone is injured and you or your business is ruled responsible.
If you or an employee experience a workplace injury.
If you’re forced to go to court to defend your small business.
If someone gets hurt or property is damaged while you’re driving for work.
If you or an employee makes a mistake that causes you to lose money.
Business insurance protects you from expenses that can take you by surprise after an accident or mistake involving your business property, your employees or your customers. It’s sometimes called commercial insurance.
The idea of small business insurance is simple:
Business insurance typically involves a package of different types of coverage — what the insurance industry calls policies.
For example, someone could slip where you are working and claim the injury is your fault. In that case, you’ll be glad you have general liability insurance to help pay for medical costs so you don’t have to pay out of pocket.
General liability insurance is typically the first kind of insurance bought by business owners as it also helps your business cover the costs if you or an employee accidentally damage someone’s property.
But general liability is just one type of business insurance coverage.
You might need to expand your insurance package to protect yourself from financial losses. For example:
Commercial property can help protect almost all of the physical items you need to do business. It can pay for replacement costs for your business equipment, goods, inventory and repairs to your building (if you own it) up to your policy limit.
A business owner’s policy (commonly known as BOP insurance) combines general liability insurance and commercial property insurance into one package that includes all the coverage available in those two types of insurance.
A BOP is a comprehensive way to protect your business from unexpected expenses related to property damage, medical payments and lawsuits.
Workers’ compensation insurance covers workplace injuries.
If an employee gets hurt on the job, it can pay for medical expenses and help cover lost wages. You can also cover yourself if you opt for business owner’s coverage.
It’s almost always required when you have employees.
Commercial auto insurance is for business owners who own or drive vehicles. It can help pay for damages if you or an employee are involved in an auto accident while working or your work vehicle is damaged.
We know it can be difficult to sort out what coverage you need for your business. That’s why we developed a super fast online instant quote process.
You can review our customized recommendations and adjust them to fit your business preferences in less than 10 minutes.
Business insurance is crucial for protecting your business from financial losses.
Without insurance, an accident or mistake could keep you from reaching your goals and threaten the survival of your business.
That’s a scary thought, but it’s a very real factor for many businesses if you consider the average cost of a liability lawsuit can easily reach $50,000.
Business insurance gives you the protection you need to confidently focus on growing your business and serving your customers.
We’re here to help you at every step.
We’re dedicated to helping small businesses and self-employed workers find the affordable coverage you need to stay protected, meet legal requirements and satisfy their customers.
Whether you’re an accountant, construction worker, baker or candlemaker, we’ll help you thrive by providing coverage that protects everything you do.
Since we only work with small businesses and the self-employed, we can customize your commercial insurance package to fit your business. Currently, Next serves more than 130,000 small business customers.
Because each business is unique, there is no standard answer for how much business liability insurance costs.
Generally, businesses that face fewer risks pay less for their coverage.
If you provide online services at a desk job, you’ll probably pay much less than a tree trimmer, who is at a greater risk of injury due to the nature of their work.
Where you do business is also a big factor in determining costs.
A contractor in a highly regulated state like California might pay more for insurance than a contractor in Texas, even if they work on similar projects. That applies to almost every industry, including food service, retail and professional services.
You can purchase the business insurance you need online in less than 10 minutes with Next.
Here’s how the process works:
Start an instant quote. We’ll ask you some basic questions about your business and operations, including:
We will use the information you share to create a customized insurance quote.
If you like what you see, you can adjust the package limits to fit your preferences and make your purchase.
Your insurance will begin immediately after payment, and you’ll have access to your certificate of insurance. The self-service tools also allow you to pay premiums, add an additional insured and file claims.
The streamlined process, which can be completed without needing to talk to an agent, makes it possible to purchase insurance in a matter of minutes.
And if you do have questions, our licensed, U.S.-based insurance professionals are ready with the answers.
Learn more about insurance options in the state where you work.
Business insurance is divided into different policies. We offer seven types so it's easy to design the coverage that fits your business.
Protect yourself from accidents that cause physical injury or damaged property.Learn More
Shield yourself from lawsuits that claim your work errors caused financial losses.Learn More
Cover medical bills and lost wages if your employees have an accident at work.Learn More
Stay on the road with coverage for dents, tows and damage to someone else’s vehicle.Learn More
Upgrade your general liability coverage to protect any gear that’s stolen, damaged or lost.Learn More
Keep your building, inventory and equipment protected from fire, flood or water damage.Learn More
Combine general liability and commercial property into one policy to protect your business.Learn More
Get insurance in less than 10 minutes and save up to 30%
Unique, flexible coverage with easy monthly payments
Do it all 100% online or talk to a licensed U.S.-based advisor
Our U.S.‑based licensed insurance advisors are standing by to answer your questions.