NEXT is now ERGO NEXT Insurance, uniting digital-first innovation with Munich Re's global financial strength.

Who We Insure.

Amazon Sellers

Architects and Engineers

Architect
Civil Engineer
Engineer
Interior Designer
Land Surveyor

Auto Services

Auto Body Shop
Auto Parts Store
Auto Repair Shop
Car Wash
Oil Change Station
Tire Shop

Beauty

Barber
Beautician
Bridal Stylist
Cosmetology
Esthetician
Hair Stylist
Nail Technician

Cleaning

Carpet Cleaning
Floor Waxing
Garbage Collection
House Cleaning and Maid Service
Janitorial
Pressure Washing
Septic Tank Cleaning
Window Cleaning

Construction

Appliance Technician
Building Sign Installation
Carpenter
Concrete Contractor
Debris Removal
Drywall Contractor
Electrician
Excavation Contractor
General Contractor
Glazier
Handyman
HVAC Contractor
Home Renovation Contractor
Mason
Insulation Contractor
Painters
Paving and Asphalt Contractor
Plastering and Stucco Work
Plumber
Roofing
Siding Installation Contractor
Welding
Tile, Stone and Flooring Installer
Waterproofing

Consulting

HR Consultant
Social Media
Art Consultant
Business Consultant
Education Consultant
IT Consultant
Management Consultant
Marketing Consultant
Product Designer
Safety Consultant
Software Developer
Translator and Interpreter

Contractors

Appliance Technician
Carpenter
Concrete Contractor
Debris Removal
Drywall Contractor
Electrician
Excavation Contractor
General Contractor
HVAC Contractor
Home Renovation Contractor
Mason
Insulation Contractor
Painters
Paving and Asphalt Contractor
Plumber
Roofing
Siding Installation Contractor
Solar Contractor
Snow Plowing
Welding
Tile, Stone and Flooring Installer
Paperhanger
Fence Installation Contractor
Lawn Care
Landscaping

Education

Acting Lessons
Adult Education
Art Class
Child Care
Computer Lessons
Daycare
Tutor

Entertainment

Actors
Craft Vendor
DJ
Event Planner
Motivational Speaker
Photographer
Tarot and Psychic Readers
Videographer
Wedding Planner

Fitness

Aerobics Instructor
CrossFit Coach
Dance Instructor
Fitness Instructor
Golf Coach
Gym & Fitness Studio
Indoor Cycling Instructor
Martial Arts Instructor
Personal Trainer
Pilates Instructor
Sports Coach
Umpire
Yoga Teacher
Zumba Instructor

Financial Services

Accountant
Actuary
Business Financing
Financial Advisor
Payroll Services

Food and Beverage

Bakery
Butcher Shop
Catering
Coffee Shop
Farmers Market
Food Cart
Food Truck
Food Vendor
Grocery Store
Personal Chef
Restaurant

Insurance Professionals

Claims Adjuster
Agents Insurance
Appraiser Insurance

Legal Services

Lawyer
Notary

Pet Care

Dog Walker
Pet Boarding
Pet Grooming
Pet Store
Pet Trainer
Veterinarian

Real Estate

Landlord
Real Estate Broker
Home Inspectors
Real Estate Appraisal
Estate Liquidator
Makerspace
Mortgage Broker
Property Management
Real Estate Agent
Real Estate Investor

Retail

Amazon Seller
Arts and Crafts Store
Bike Shop
Bookstore
Candle Store
Candy Store
Clothing Store
Convenience Store
E-commerce
Electronics Store
Fabric Store
Florist
Furniture Store
Hardware Store
Jewelry Store
Laundromat
Luggage Store
Medical Supplies Store
Pawn Shop
Retail Store
TikTok Shop Seller
Toy Store

Therapy

Holistic & Alternative Therapy
Massage Therapist
Spa Owner

Vendor

Craft Vendor
Catering
Farmers Market
Food Cart
Food Truck
Food Vendor

More

Private Detective
Security Guard
What we cover
Business Insurance
General Liability
Workers’ Compensation
Commercial Property
Business Personal Property
Commercial Auto
Professional Liability
Errors and Omissions
Tools & Equipment
Business Owner's Policy
Product Liability
Employment Practices Liability
LLC Business Insurance
Liquor Liability
Certificate of Insurance
Who we insure
Architects & Engineers
Auto Services
Beauty
Cleaning
Construction
Consulting
Contractors
Education
Entertainment
Fitness
Financial Services
Food Services
Real Estate
Retail
Therapy
Top professions
Carpenter Insurance
Daycare Insurance
Debris Removal Insurance
General Contractor Insurance
Handyman Insurance
HVAC Insurance
Landscaping Insurance
Painters Insurance
Personal Trainer Insurance
Roofing Insurance
Auto Repair Shop
Yoga Teacher Insurance
Retail Store Insurance
Most popular
Accountant Insurance
Amazon Sellers
Architect Insurance
Catering Insurance
Ecommerce Insurance
Engineer Insurance
Massage Insurance
Photographer Insurance
Real Estate Agent Insurance
Restaurant Insurance
Texas General Liability
Florida General Liability
California General Liability
About us
About Us
Español
Become an Agent
Blog
Help Center
Insurance Glossary
Partner With Us
Find an Agent
Sitemap
Chat with Us

Mon – Fri | 8 a.m. – 5 p.m. CT

Facebook
Instagram
Tiktok
Twitter
Linkedin
Youtube
© 2026 Next Insurance, Inc. 975 California Ave, Palo Alto, CA 94304, United States
Terms of Service
Privacy Policy
Licenses
Accessibility
Better Business Bureau
NEXT is part of the ERGO Group, a Munich Re company.

Issuance of coverage is subject to underwriting. Not available in all states. Please see the policy for full terms, conditions and exclusions. Coverage examples are for illustrative purposes only. Your policy documents govern, terms and exclusions apply. Coverage is dependent on actual facts and circumstances giving rise to a claim. Next Insurance, Inc. and/or its affiliates is an insurance agency licensed to sell certain insurance products and may receive compensation from insurance companies for such sales. Policy obligations are the sole responsibility of the issuing insurance company. Refer to Legal Notices section for additional information.

* To the extent permitted by law, applicants are individually underwritten, not all applicants may qualify. Individual rates and savings vary and are subject to change. Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts and policy start times apply to specific coverages only.

** Coverage examples are for illustrative purposes only. Your policy documents govern, terms and exclusions apply. Coverage is dependent on actual facts and circumstances giving rise to a claim.

† Any starting prices or premiums represented before an actual customer quote are not guaranteed and are representations of existing premiums of active policies as of April 1, 2026. To the extent permitted by law, applicants are individually underwritten, not all applicants may qualify. Individual rates and savings vary and are subject to change. Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only.