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
“I need insurance explained to me in the quickest, simplest way possible.”
– Neil Newcomb, ERGO NEXT Customer since 2022
Our partners love us
“I had never heard of a claim being paid out that fast!”
– Roshanda King, ERGO NEXT Customer since 2021
“With ERGO NEXT’s instant COI I can keep it rolling, keep the bread baking, and keep serving our customers.”
– Mrs. Sourdough Organic Bakery, ERGO NEXT customer since 2024
Backed by ERGO, a global insurance leader
ERGO NEXT is part of ERGO Group, one of Europe’s leading insurance companies and a subsidiary of Munich Re.
Due to this strong background, we have a financial strength rating of A+ (Superior) by AM Best, the world’s most widely recognized credit rating agency for the insurance industry.
Our vision is to build faster, smarter and simpler insurance solutions to help entrepreneurs thrive.
Award-winning small business insurance
May 2026
May 2026
April 2026
April 2026
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.
Sources:
https://www.investopedia.com/the-best-small-business-insurance-11686113, May 2026
https://www.moneygeek.com/insurance/business/next-review/, May 2026
https://www.trustpilot.com/review/nextinsurance.com, May 2026
https://insuranceranked.com/business-insurance/reviews/next-insurance, May 2026