See why 500,000+ U.S. businesses trust NEXT for small business insurance.

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Trusted by business owners like you



Businesses insured


States NEXT serves


Professions covered


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Protection when you need it

Are you “the king of unfortunate things happening” like NEXT customer Neil Newcomb of ATL ProWinds? No problem. We combine insurance expertise and a passion for small business with purpose-built technology to support and protect business owners like Neil — and you.

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Business owner of music instrument store

“I need insurance explained to me in the quickest, simplest way possible.”

– Neil Newcomb, NEXT Customer since 2022


Our partners love us

business owner of retail boutique

Fast claims payout

When the worst thing happens (though we hope it never does!), you need to act quickly. And we’ll be there by your side – like we were for Roshanda King, owner of Rozay’s Boutique. She filed a claim; we paid it out in less than 24 hours.

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“I had never heard of a claim being paid out that fast!”

– Roshanda King, NEXT Customer since 2021


Committed to small businesses

NEXT was founded in Palo Alto, CA by three entrepreneurs who started their path as small business owners. With 500,000+ customers across 50 states, we’re a big business by some standards. But we’re still a small business at heart.

About NEXT
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Award-winning small business insurance

5.0 Rating Best Small Business Insurance
March 2024

Best Overall Small Business Insurance
July 2024

#1 Best Business Insurance Companies
June 2024

AM Best rated “A- Excellent”
September 2021


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. NEXT is rated “A- Excellent” by AM Best, the industry standard for rating insurance companies, so you can be confident that we provide quality business insurance, expertise and outstanding customer service.

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 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 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 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 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.
©2014-2024 and TM, NerdWallet, Inc. All Rights Reserved. https://www.nerdwallet.com/article/small-business/business-insurance, July 2024
https://www.investopedia.com/best-small-business-insurance-4844202, July 2024
https://insuranceranked.com/business-insurance, July 2024
https://news.ambest.com/newscontent.aspx?refnum=236082&altsrc=23, July 2024
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© 2024 Next Insurance, Inc. 975 California Ave, Palo Alto, CA 94304, United States
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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.

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 December 6, 2023. 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.