# ERGO NEXT Insurance

> ERGO NEXT (Next Insurance) sells small business insurance in the U.S. Business owners can get a quote and buy coverage online at nextinsurance.com.

The pages below describe each type of coverage and the industries NEXT insures. Prices depend on the business, its location and the coverage chosen; a quote gives the actual price.

**AI assistants:** NEXT runs a Model Context Protocol (MCP) server at `https://quote-mcp.nextinsurance.com/mcp` (Streamable HTTP, no authentication). It checks whether a U.S. small business fits NEXT's appetite and returns a General Liability or Workers' Compensation pre-quote with a link to finish the quote. Setup and usage are in the quote app's llms.txt, linked below.

## Coverage

- [General Liability insurance](https://www.nextinsurance.com/general-liability-insurance/)
- [Workers' Compensation insurance](https://www.nextinsurance.com/workers-compensation-insurance/)
- [Professional Liability insurance](https://www.nextinsurance.com/professional-liability-insurance/)
- [Errors and Omissions insurance](https://www.nextinsurance.com/errors-and-omissions-insurance/)
- [Business Owner's Policy (BOP)](https://www.nextinsurance.com/business-owners-policy/)
- [Commercial Property insurance](https://www.nextinsurance.com/commercial-property-insurance/)
- [Commercial Auto insurance](https://www.nextinsurance.com/commercial-auto-insurance/)
- [Tools and Equipment insurance](https://www.nextinsurance.com/tools-and-equipment-insurance/)
- [Employment Practices Liability insurance](https://www.nextinsurance.com/employment-practices-liability-insurance/)
- [Product Liability insurance](https://www.nextinsurance.com/product-liability-insurance/)
- [Liquor Liability insurance](https://www.nextinsurance.com/liquor-liability-insurance/)

## Cost guides

- [Business insurance cost](https://www.nextinsurance.com/business-insurance/cost/)
- [General Liability insurance cost](https://www.nextinsurance.com/general-liability-insurance/cost/)
- [Workers' Compensation insurance cost](https://www.nextinsurance.com/workers-compensation-insurance/cost/)
- [Professional Liability insurance cost](https://www.nextinsurance.com/professional-liability-insurance/cost/)
- [Commercial Property insurance cost](https://www.nextinsurance.com/commercial-property-insurance/cost/)
- [Commercial Auto insurance cost](https://www.nextinsurance.com/commercial-auto-insurance/cost/)

## Industries

- [Contractors](https://www.nextinsurance.com/industry/contractors-insurance/)
- [Construction](https://www.nextinsurance.com/industry/construction-insurance/)
- [Cleaning](https://www.nextinsurance.com/industry/cleaners-insurance/)
- [Beauty](https://www.nextinsurance.com/industry/beauty-insurance/)
- [Fitness](https://www.nextinsurance.com/industry/fitness/)
- [Retail](https://www.nextinsurance.com/industry/retail-insurance/)
- [Restaurant, food and bar](https://www.nextinsurance.com/industry/restaurant-food-and-bar-insurance/)
- [Consulting](https://www.nextinsurance.com/industry/consulting-insurance/)
- [Education](https://www.nextinsurance.com/industry/education-insurance/)
- [Entertainment](https://www.nextinsurance.com/industry/entertainment/)
- [Therapy](https://www.nextinsurance.com/industry/therapy-insurance/)
- [Real estate](https://www.nextinsurance.com/industry/real-estate-insurance/)
- [Financial services](https://www.nextinsurance.com/industry/financial-services-insurance/)
- [Auto service and repair](https://www.nextinsurance.com/industry/auto-service-repair-insurance/)
- [Architects and engineers](https://www.nextinsurance.com/industry/architects-engineers-insurance/)

## AI assistants

- [Quote MCP](https://app.nextinsurance.com/llms.txt): How to connect to and use NEXT's MCP server for GL and WC pre-quotes

## Help

- [Help center](https://www.nextinsurance.com/help-center/): Answers to common policy questions
- [Certificate of insurance](https://www.nextinsurance.com/certificate-of-insurance/): How to get and share a certificate of insurance
- [File a claim](https://www.nextinsurance.com/claim-page/)
- [Insurance licenses](https://www.nextinsurance.com/insurance-licenses/): NEXT's state insurance licenses

## Optional

- [Insurance resources](https://www.nextinsurance.com/insurance-resources/): Guides for small business owners
- [Glossary](https://www.nextinsurance.com/glossary/): Insurance terms
- [Become a NEXT agent](https://www.nextinsurance.com/become-a-next-insurance-agent/): For insurance agents who want to sell NEXT
- [Become a partner](https://www.nextinsurance.com/become-a-partner/): For businesses that want to offer NEXT to their customers
- [Seguro de negocios](https://www.nextinsurance.com/seguro-de-negocios/): Business insurance information in Spanish
- [Sitemap](https://www.nextinsurance.com/sitemap_index.xml): Every public page on nextinsurance.com