We’re 100% dedicated to small business.

Tailored business insurance. Zero hassle. Big savings.

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ERGO NEXT is trusted by business owners like you

750,000+

750K+

Customers insured

100%

Instant online access

1,300+

Types of businesses covered

4.7/5

Customer rating

You have questions about protecting your small business. We have answers.

Do I really need business insurance?

If you want to protect your assets, your company, your employees and yourself, the answer is yes! You do need business insurance. Our process is simple so you can get an instant quote in minutes and immediately purchase coverage.

What types of coverage do you offer?

Business insurance is divided into different policies that protect your business from different risks. We offer several types:

We have tailored plans for 1,300+ professions. We can help you design the coverage that best fits your business. If you bundle two or more policies with ERGO NEXT, you can save up to 10%.

What business insurance do I need?

The type of business insurance you need depends on several factors, including what kind of business you operate, where your business is located, whether you have a physical location, the number of employees and your business vehicle. It can sound complicated, but with our instant quote, we will quickly walk you through the process to help you determine exactly what coverage you need.

How much does ERGO NEXT business insurance cost?

The cost of small business insurance is dependent on a number of factors, but our prices start as low as $19/month^† for general liability insurance. Get an instant quote to see how much coverage will cost for your particular small business. Learn more about small business insurance costs.

How do I file a claim?

Filing a claim with ERGO NEXT is easy. Just log in to your customer account, tell us what happened, and a U.S.-based claims advocate will get to work to help you resolve your claim as soon as possible. Learn more about the claims process and how we’re there for you when you need us the most.

How can I contact ERGO NEXT and customer support?

We’re here when you need help. You can get 24/7 instant support with our chat resource or you can chat with our U.S.-based insurance experts weekdays from 8 a.m. to 5 p.m. CT. Check out our help center for answers to many common questions.

Power up your business with our trusted partners

See what ERGO NEXT can do for your business

Tailored insurance by profession

Food & Beverage

Contractors

Retail

Cleaning

Fitness

Amazon Sellers

Engineers & Architects

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.

Tell us what you do

Pick the plan that best fits you

Get your Certificate of Insurance

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

Why ERGO NEXT?

Our business insurance gives you the confidence to take smart risks with your business; the kind that’ll take you to the next level. So whether you’re just starting out or looking to bring on a team of 20, ERGO NEXT will help get you there.