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

Get Appointed in Minutes

Start selling ERGO NEXT in about an hour

The commercial property and casualty carrier backed by Munich Re

  • Access coverage for 1,300+ types of micro-small businesses
  • Sell faster through a streamlined digital platform
  • Grow your book with the strength of ERGO NEXT behind you

Agents rely on ERGO NEXT to grow their book of business 

Gives me a competitive edge
ERGO NEXT gives me a competitive edge because I can work faster. I got appointed and started binding immediately with no additional paperwork.
— Monica, BRZ Insurance
All about self-service
ERGO NEXT is all about self-service. I can make policy changes in the agent portal, and my clients can generate their own COIs online in minutes.
— Suzie, Insurance Producers Network
Trusted for years
I’ve trusted ERGO NEXT for years. Now that it’s part of Munich Re, I’m confident in their long-term stability as I build my book with them.
— Andrew, ABC Group Agency, Inc.

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).

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© 2026 Next Insurance, Inc. 975 California Ave, Palo Alto, CA 94304, United States
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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.