With a National Producer Number (NPN), you can get appointed and start selling ERGO NEXT in about an hour. It’s that fast.
Built to help agents win more micro-small business accounts
Maximize your time
ERGO NEXT’s digital platform streamlines quoting and servicing so you can focus on closing business.
- Same-day coverage: Quote and issue policies online in about 10 minutes with no underwriting delays.
- A broad appetite: Access multi-line coverage for restaurants, construction, professional services and more in all 50 states.
- Smarter quoting: Use our Appetite Checker to verify eligibility before quoting and avoid ineligible submissions.
Grow your agency
ERGO NEXT’s digital tools help you grow and scale your small commercial insurance book of business.
- Agent Copilot: Let clients quote and buy policies 24/7 while you continue earning your full commission.
- Easy access: Get unlimited digital certificates of insurance and add policy endorsements online.
- Self-service: Reduce service requests with online account management for you and your clients.
Sell with confidence
ERGO NEXT is an admitted carrier with strong financial backing and a long-term commitment to agents.
- Stability: We are backed by leading global reinsurer Munich Re, rated A+ (Superior) by AM Best.
- Transparency: Receive updates on underwriting decisions and referrals to stay on top of your business.
- Commercial expertise: Benefit from practical insurance insights that can help your agency grow.
A broad appetite for 1,300+ types of micro-small businesses
ERGO NEXT protects over 750,000 small businesses across a wide range of industries and growth stages. Our appetite spans everything from new ventures and solopreneurs to growing companies with up to $5M in annual revenue and $3M in total insured value (TIV).
Food and Bev
Restaurants
Bakeries
Catering Services
Coffee Shops
Retail
E-commerce
Distributor
Grocery Store
Florists
Clothing Store
Professional Services
Accountants
Consultants
Real estate agents
Legal services
Contractors
Handypersons
Carpenters
Electricians
Landscaping
Health & Wellness
Personal Trainers & Fitness Instructors
Yoga & Pilates Studios
Massage Therapists
Mental Health Counselors
Beauty & Personal Care
Hair Stylist
Barber
Makeup Artists
Nail Technician
Cleaning & Janitorial
House Cleaning Services
Janitorial Services
Carpet & Upholstery
Window Cleaning
and More!
Multi-line coverage designed just for micro-small businesses
ERGO NEXT offers flexible coverage options you can customize based on client needs, with discounts of up to 10% when bundling certain policies.* Commercial auto coverage is not currently available through agents appointed with ERGO NEXT.
Business Owner’s Policy
Combines general liability and commercial property coverage in one policy for businesses with equipment, inventory or physical locations. Commonly written for businesses that have physical premises, such as retail stores and real estate offices.
General Liability
Coverage for third-party claims for bodily injury, property damage and personal injury arising from business operations. Often written for contractors, janitorial services, landscapers and retail businesses.
Workers’ Compensation
Coverage for employee workplace injuries, including medical expenses, lost wages and employer liability. Commonly written for restaurants, retail stores, contractors and other businesses with employees.
Professional Liability/E&O
Coverage for claims alleging professional negligence, errors or failure to perform professional services. Frequently written for consultants, real estate professionals, insurance agents and other professionals.
Umbrella/Excess Liability
Provides additional liability limits above underlying policies such as general liability or a BOP. Commonly written for contractors, consultants and other businesses that require higher liability limits.
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.
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.
