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

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

weightlifter

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.

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).

What we cover
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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.