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Tailored Business Insurance for Freelancers Union
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Small business insurance can:
Protect your livelihood
Offer protection for your business, property and employees.
Cover unexpected costs
An accident or lawsuit can cost thousands – insurance can help provide a financial safety net after some business accidents or mistakes.
Set you up for success
Fulfill proof of insurance requirements from customers, partners and regulators.
Focus on growth
With the right coverage, you can spend less time worrying about risks and more time growing your business.
Let’s find the coverage you need for your business.
Business insurance is divided into different policies. We offer 7 types so it's easy to design the coverage that fits your business.
General Liability
Accidentally damaged customer property? General liability insurance makes those uh-oh moments okay by covering a wide range of incidents and basic risks. Contractors and cleaners can add tools and equipment coverage to protect their gear, as well.
Workers’ Compensation
If you have employees, workers’ comp is mandatory in almost every state to help cover medical bills and lost wages if a workplace accident occurs. And don’t forget about the boss — add business owner’s coverage to protect yourself as well.
Professional Liability/E&O
If you’re accused of making an error at work, we’ve got your back. Get professional liability insurance (also known as errors & omissions insurance) and you’ll be protected from certain types of lawsuits and claims.
Commercial Auto
Vehicle-related damage shouldn’t mean you have to pump the brakes on your bottom line. With commercial auto, you’re covered for dents, tows and damage to someone else’s car or truck. Add HNOA coverage for extra protection on rentals and employee vehicles.
Tools & Equipment
Add a tools and equipment upgrade to your general liability insurance. If your gear ever gets damaged or stolen, we’ll be there to abracadabra them back in a flash.
Commercial Property
Commercial property insurance isn’t just for buildings — it can protect almost all the gear, inventory and equipment you need to do business.
Business Owner’s Policy
A business owner’s policy (BOP) combines general liability and commercial property into one handy package. It’s a great option for protecting your business if you have a physical location, equipment or inventory and if you deal with customers or the public.
There's a lot to love about NEXT
See why over 500,000 U.S. businesses trust NEXT for their small business.
Fast. Get covered in about 10 minutes and get 24/7 access to your policy.
Easy. Set up monthly or annual payments, and get unlimited proof of insurance at no additional cost.
Affordable. Competitive rates for coverage, and you can save up to 25% in discounts — plus an additional 5% off GL for being a Wix customer*
Award-winning small business insurance
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NEXT Insurance 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.
* 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.
Sources:
©2014-2024 and TM, NerdWallet, Inc. All Rights Reserved. https://www.nerdwallet.com/article/small-business/business-insurance, July 2024
https://www.investopedia.com/best-small-business-insurance-4844202, July 2024
https://insuranceranked.com/business-insurance, July 2024
https://www.cnbc.com/the-worlds-top-fintech-companies-2025/, July 2025