Next Insurance

REAL ESTATE INVESTOR INSURANCE

You can save up to 25% in discounts on real estate investor business insurance.*

Real estate business insurance
Real estate investor insurance

Real estate investor insurance designed to protect your business

NEXT Insurance is a one-stop shop to help you get the real estate investor insurance you need to protect your business from accidents, injuries, legal fees and damaged vehicles. Our insurance packages typically include:

  • General liability
  • Commercial auto
  • Workers’ compensation
  • Commercial property

Business insurance for real estate investors has never been easier

You can pay for your insurance monthly or annually and you can cancel instantly at any time.

Basic
Lowest Price
Commercial Auto
Combined single limit
$50,000
General Liability
Per occurrence
$500,000
Workers’ Comp
Per accident
$100,000
Commercial Property
Per occurrence
$25,000
PRO
Most Popular
Commercial Auto
Combined single limit
$100,000
General Liability
Per occurrence
$1 million
Workers’ Comp
Per accident
$500,000
Commercial Property
Per occurrence
$25,000
PRO PLUS
Best Coverage
Commercial Auto
Combined single limit
$1 million
General Liability
Per occurrence
$1 million
Workers’ Comp
Per accident
$1 million
Commercial Property
Per occurrence
$25,000
We specialize in providing the right type of real estate investor insurance for small businesses
It’s all about managing your risk. See the different policies available for a real estate investor and save up to 10% when you bundle two or more of our policies.
General Liability

General Liability

Bought by 95% of business owners like you
General liability insurance covers the risks that affect almost every real estate investment business. It's the most common insurance for small businesses and entrepreneurs, and it’s typically the first policy purchased by new businesses.

general liability can help you pay for:

Medical payments
Property damage
Legal fees and judgments
Commercial Auto

Commercial Auto

For business owners that use vehicles
Whether your car is essential for your daily operations or a vehicle you only occasionally use for work, you need a commercial auto insurance policy customized for your real estate investment business. Most states require that your business-owned vehicles are insured for certain types of accidents with commercial auto coverage.

commercial auto can help you pay for:

Medical expenses
Collision repairs
Rental reimbursement
Workers' Compensation

Workers' Compensation

For business owners who hire employees
Workers' compensation insurance helps to make sure workers are taken care of if they're hurt on the job, while also protecting real estate investors from significant financial losses after an accident. It's legally required in most states for businesses with employees.

workers compensation can help you pay for:

Medical expenses
Lost Wages
Employer liability
Commercial Property

Commercial Property

For business owners who own or rent physical spaces
Commercial property coverage helps protect almost all of the physical items you need to run your business operation as a real estate investor, including your equipment, inventory and furniture. And the business income coverage in your property insurance could help cover the revenue you would have earned after an unforeseen flooding, as well as ongoing business expenses while you are closed.

commercial property can help you pay for:

Damaged equipment and inventory
Lost income
Operating expenses
How much does real estate investor insurance cost

How much does real estate investor insurance cost?

Real estate investor insurance costs vary based on the risks that your business faces, such as:

  • The types of projects you work on
  • Where your projects are located
  • Your payroll and the kinds of jobs your employees do
  • The number and types of vehicles you use at work

You can save up to 25% in discounts, depending on the kind of work you do. More risky professions can expect to pay more.

Learn more about real estate investor insurance costs and coverage.

Real estate investor insurance requirements

Real estate investor insurance requirements

Small business owners are almost always required to have insurance due to the risk of injury and property damage. You might need insurance to:

  • Get a real estate investor license in your state. It’s a good idea to check if you need a license in your state in order to get insurance.
  • Start work on a project. Clients might ask you to have active insurance — usually general liability or workers’ comp.
  • Hire employees. Most states require workers’ compensation insurance if you have employees.
  • Drive for business purposes. Business-owned vehicles typically need commercial auto insurance.
  • Repair or replace commercial property you own or rent. Protect your inventory, equipment and even the building that you lease or own.

Frequently asked questions about real estate investor business insurance

Here are some of the most common questions we get about real estate investor business insurance. If you don’t find the answers you need here, our licensed, U.S.-based insurance advisors are standing by to help via online chat or phone.

Does NEXT Insurance offer general liability coverage for real estate investors?

Yes, NEXT Insurance offers general liability, commercial auto, workers' compensation, and commercial property insurance for real estate investors.

Does NEXT Insurance offer workers' compensation coverage for real estate investors?

Yes, NEXT Insurance offers workers' compensation insurance, commercial property, general liability, and commercial auto coverage for real estate investors.

How can I get a certificate of insurance?

You’ll have instant access to your certificate of insurance 24/7 from your computer or mobile device when you purchase coverage with Next. There’s no waiting for anyone, no need to print anything and definitely no fax machines. If you’re a new or current Next Insurance customer, all you need to do is log in to your account and your Live Certificate delivers you the proof of insurance you need instantly, for free. You can easily share your COI with anyone via email, text message or a social media post. We provide unlimited certificates and you can also add an additional insured for free. If you decide to change your coverage, your certificate will be automatically updated. Find out more details about your certificate of insurance

How do I change the information on my policy?

Log in to your customer account to make changes such as cancelling your coverage, editing payment information and updating your business address. If you are unable to make changes in your customer account, please email us at support@nextinsurance.com and include a description of the changes you’d like to make. In some cases, we may revise your policy documents to reflect the changes. If this is the case, we will email you the appropriate documents along with confirmation of the changes made to your file within seven to 10 business days.
Certificate of Insurance

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More professions that are covered by NEXT

Real Estate Investor, Mortgage Broker, Property Management, Real Estate Agent
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* 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.
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© 2023 Next Insurance, Inc. 975 California Ave, Palo Alto, CA 94304, United States
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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.