Claims Handled with Care

It’s easy to file a claim with NEXT. Follow these steps:

1. Log into your account.
2. Go to the “Claims” tab in the menu and select “File a claim.”
3. Answer a few brief questions and add any photos or documentation you have about your claims.
4. Your dedicated claims advocate will reach out with next steps shortly after you submit your information.

If you’re not a NEXT policy holder and you need to file a claim, use this form.

Our claims team will follow up with next steps shortly after you submit your claim.

It’s important to file your claim as soon as possible to allow us to investigate, gather evidence and help you through the claims process. Remember to gather documentation (like photos) if you can to submit with your claim.

What you need to submit when you file a claim will depend on what kind of claim you are filing.

For example, if you’re filing a claim for general liability, you’ll need to provide the name of your insurance policy and supply details about the incident including the date it took place, supporting photos of the damage and documentation such as the work order or contract you have with the customer.

If you’re filing a worker’s comp claim, you’ll need to provide information about the employee (including name, date of birth and social security number), contact information, the name of your insurance policy, details about the incident (where, when, what the employee was doing and the type of injury) and photos, witness statements or information about treatment.

Your dedicated claims advocate will help make sure that you’ve supplied all the necessary info to resolve your claim quickly.

Filing a claim with NEXT insurance can be quick and easy. Once you’ve gathered all the available information, you just need to enter it online to open your claim. Your dedicated claims advocate will then contact you within one business day after you report your claim.

You can submit documents in support of a claim in a number of ways, including:

• Online: You can file a claim online by logging into your account. You can also chat with the Virtual Claims Assistant on the Claims page to get help filing your claim.
• By phone or text: Contact your assigned claims advocate.
• By email: You can email your assigned claims advocate.
• By mail: You can mail NEXT Insurance at PO Box 60787, Palo Alto, CA 94306.

In most cases, a claims advocate will contact you within one business day after you report the claim. The advocate will ask you about the facts of the claim and will request any additional information like relevant documentation, including contracts, photos and estimates.

Have this information easily accessible to expedite the claims process.

Once your dedicated claims advocate has been assigned, they will provide you with a direct phone number and email address so you can call, text or email at any time. If you’re a NEXT customer, you can also find this information in your customer portal.

Not every claim results in a payment. If your claim is approved, the timing for claims decisions will depend on the nature of your claim, the severity of the damage and the number of parties involved in the claim.

You can check the status of an open claim by logging into your account. You can also receive push notifications from the NEXT app to alert you of your claim status.

Your claims advocate will let the claim's payee(s) know how to select a preferred method of payment. For some claims, the payee(s) will receive a check in the mail, while other claims may be eligible for direct deposit.

If you think you have a claim, we encourage you to reach out to us. Your premium won’t change during your current policy period. If your premium is going to change, we will inform you of your new premium when it’s time to renew. A variety of factors—including your claim history, state and type of insurance—go into how we calculate your insurance premium.

If a claim is denied, it's because we’ve determined that it isn’t covered with a NEXT policy. Your dedicated claims advocate will explain why your claim was denied and which policy terms weren’t met.