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

Business Insurance for 1,300+ businesses

You can save up to 25% in discounts with instant coverage.*

Choose your primary coverage:

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NEXT Insurance customizes business insurance to fit your needs

NEXT Insurance is a one-stop shop for business insurance. With our easy online platform, you can quickly get the coverage you need at an affordable price so you can focus on your work.

Oh, and you’ll save 10% when you bundle two or more of our policies.

We specialize in business insurance

Choose your profession for more information or get a customized quote for your business

How much does insurance cost

How much does business insurance cost?

You can save up to 25% in discounts when you buy insurance with NEXT. The exact amount you pay will depend on:

  • The types of services you offer
  • Where you work
  • How many employees you have
  • Vehicles you drive for work

Business insurance has never been easier

Customized business insurance to protect you and your clients

Fast

Buy your policy in just 10 minutes and you can save up to 25%*

Flexible

Set up monthly or annual payments, and get unlimited proof of insurance at no extra cost

Convenient

Do it all 100% online or talk to a licensed U.S.-based advisor

Customer reviews

I am so excited
I am totally excited about my new insurance for my small business. I am happy that the price was in a range that I can afford, the terms were easy to understand and it was so simple to purchase my first policy. I look forward to doing business with you in the future.
Curzella J.
Easiest insurance purchase – EVER!
I was looking around trying to compare insurance and I am so lucky I found NEXT. I was able to compare levels of coverage, and all the options, without pressure from a salesperson or time limits. I was able to check out prices and it was more coverage for less than the “traditional” company I looked at.
Michael W.
Happy small business owner!
I needed liability insurance for my new small business brick & mortar location. I got the run around from another company, but NEXT provided a competitive insurance quote in a timely manner. I now have the insurance that I need and it was stress-free!
Nicole E.

Frequently asked questions about business insurance

Can I add an additional insured to my insurance?

We know it's a common need to add an additional insured to your coverage, so we’ve given you the power to create certificates of insurance and add additional insureds for free. To create this certificate of insurance, follow these steps:
  1. Log in to your customer account
  2. Click "Proof of Insurance" at the top of the page
  3. Click the button that says "Add a third party" and enter their name and address
  4. When entering their information, click “Modify this language”
  5. Select the endorsements you need
  6. Click "Next" to continue to the Review and Confirm page
  7. Click "Create certificate" and your documents will be generated in seconds.
The endorsements will be emailed directly to you and you'll see your new Live Certificate. If you have any other questions, don't hesitate to reach out — we're happy to help.

How do you file an insurance claim with ERGO NEXT?

If you’re a policyholder, simply log in to your account and file a claim. We will contact you shortly after you submit to go over the details. Our support team is standing by to help.
Next Insurance, small business insurance

Coverage on-the-go for policyholders

Manage your policies, send and create certificates of insurance, or file a claim with our app.

Next Insurance App available on the App StoreGet the Next Insurance App on Google Play