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

Why Settle for Ordinary?

Get NEXT. Get extraodinary insurance.

Real quote from real customer

Way cheaper than BiBerk or Hiscox for the same insurance! Also the only company that the process was truly completed 100% online. Thanks so much!

Courtney M.
House Cleaning and Maid Service, North Carolina

Rely on NEXT Insurance for unparalleled coverage and service

Fast

Get a free quote and buy coverage in as little as 10 minutes.

Affordable

Pay for coverage tailored to your specific business needs.

Convenient

Access your policy anywhere, anytime online or with the mobile app.

     

Why are businesses choosing NEXT?

NEXT

Traditional Insurance

Instant quote & bind
Get an instant quote and get covered anytime, 24/7

Prompt claim process
Resolves most of our customer claims in 48 hours

Fast and easy COIs
Generate unlimited live COIs yourself

Tailored coverage
Customized for what you do, to meet your needs and budget

Top rated
Rated best small business insurance by NerdWallet, Investopedia & Insurance Ranked

Best Small Business Insurance
April 2024

Best Independent Contractor Insurance
April 2024

Best Small Business Insurance
April 2024

Best Handyman Insurance
April 2023

NEXT understands the challenges of small business, 
so we’re here to help you thrive.

©2014-2024 and TM, NerdWallet, Inc. All Rights Reserved. https://www.nerdwallet.com/article/small-business/business-insurance, April 2024
https://www.investopedia.com/best-independent-contractor-insurance-4845558, April 2024
https://insuranceranked.com/business-insurance, April 2024
https://www.bobvila.com/articles/best-handyman-insurance-companies/, April 2023
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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 March 21, 2025. 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.