Why become an ERGO NEXT insurance agent?

• Top carrier for SMBs with fewer than 10 employees

• Appetite to cover new businesses

• Instant online quote and bind process

• Immediate access to certificates of insurance

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Rated 4.7/5

(5056 reviews)

Business insurance built for agents working with small business clients

ERGO NEXT is 100% dedicated to providing insurance for the self-employed and small businesses with up to 5 employees. We insure more than 1,300 professions including pressure washers, painters, masonry, new restaurants and other difficult to insure businesses.

Trusted & loved by over 750,000 business owners

With a 4.7/5 rating and over 750,000 customers that trust ERGO NEXT Insurance, unbelievable insurance is a reality. Serving more than one thousand types of businesses, tailored policies for your needs are just a few clicks away.

Sell more policies faster

Instant quote online
Instant online quote and bind process for all policies, with no underwriting delays.

Bundled Polices
Option to bundle policies, including general liability, workers’ comp, commercial property, professional liability (E&O) and inland marine

Instant COI
Immediate access to certificates of insurance

Agent reviews

RCC & Associates Inc.

The platform is very quick to quote/bind, rating is great, and there is no third-party underwriting waiting period.

Mario De Jesus

Director of First Connect

ERGO NEXT's policies are truly instant quote and bind for all of their products. Our First Connect agents are very pleased with the most efficient quoting process to binding.

Jennifer G.

Quick & EZ Insurance LLC

If we have a small business client, the first place our agency quotes is ERGO NEXT Insurance. They have a wide appetite, the best price and are quick and easy to work with

Angelo O.

A big appetite for small businesses

Food & Beverage

Contractors

Insurance Professionals

Retail

Daycares

Cleaning & Janitorial

Health & Wellness

Financial Services

Beauty & Personal Care

Auto Services & Repair

Let’s find the coverage your clients need for their business.

We'll help you sell more insurance, faster! We offer 6 types so it's easy to design the coverage that fits your client's business.

Business Owner’s Policy

A business owner’s policy (BOP) combines liability and property coverage into one convenient policy. It’s a great option for protecting your client’s business if they have equipment, inventory, a physical location or even a home based 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.

Umbrella/Excess Liability

Commercial Excess/umbrella insurance can add more protection to your NEXT general liability policy to increase your limit to $2 million. It can also be a requirement for work contracts or a commercial lease.

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.

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.

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.

ERGO NEXT Insurance has a Financial Strength Rating of A+ (Superior) by AM Best. The rating reflects ERGO NEXT’s inclusion as a member of the lead rating unit, Munich Reinsurance Company (Munich Re).