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

We’re 100% dedicated to small business.

Tailored business insurance. Zero hassle. Big savings.

Choose your primary coverage to get started:

ERGO NEXT is trusted by business owners like you

750,000+

750K+

Customers insured

100%

100%

Instant online access

1,300+

1,300+

Types of businesses covered

4.7/5

4.7/5

Customer rating

Tailored insurance by profession

Food & beverage insurance

Food & Beverage

Construction insurance

Contractors

Retail business insurance

Retail

Cleaning business insurance

Cleaning

Fitness and gym insurance

Fitness

Amazon sellers insurance

Amazon Sellers

Architects & engineers insurance

Engineers & Architects

Entertainment business insurance

Entertainment

What are customers saying?

I've had a great experience with NEXT
I’ve had a great experience with NEXT Insurance for my business. The process of getting coverage was quick and straightforward, and everything was easy to understand — even for someone new to business insurance. I really appreciate how simple it is to manage my policy online, from downloading certificates of insurance to making updates when needed.
Duane Mcclain
Reliable, affordable, convenient insurance coverage
My experience has been exceptionally positive. I found NEXT to be effortlessly easy to obtain coverage, even on short notice, which was incredibly helpful for my business needs. The products offered are genuinely affordable, and the entire online process is remarkably user-friendly.
Wanda Tracey
I've had NEXT for years
I've had NEXT for years. I carry both commercial property and liability policies. They're very reasonably priced and the app is fantastic. I had a water pipe burst and a substantial amount of sound equipment was ruined. The whole process from filing a claim to getting reimbursement took about 2 weeks. It was pretty seamless and their reps were very upfront and informative.
Jimmy Hook

Get the protection you need. Nothing more. Nothing less.

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Easy, affordable coverage that grows with your business

Get a quote and buy in less than 10 minutes
Prices start at just $19/month for general liability
Discounts available when you bundle policies
Licensed, U.S.-based advisors available to help

Power up your business with our trusted partners

Award-winning small business insurance

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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
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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.