NEXT is an insurance company that sells to small businesses online.
Beyond its core policies, NEXT sells commercial auto, commercial property, and tools and equipment insurance. Cyber liability is available as an add-on to a general liability or professional liability policy. A business owner’s policy combines general liability and commercial property in a single policy. When you buy, you can adjust your limits and deductibles, and coverage starts immediately or the next day.
NEXT covers restaurants and food service, retail and ecommerce, offices and professionals, construction trades and contractors, and cleaning and janitorial services. It also lists sports and fitness businesses and beauty and personal care businesses among the groups it covers. NEXT notes that general liability can be a requirement for getting licensed, running pop-ups and events, or taking on clients.
You can manage policies, create and send certificates of insurance, and file claims online or in the ERGO NEXT app. You can add an additional insured to a certificate yourself, and when a client receives a digital certificate, they can request changes that you approve or deny. You can buy entirely online or speak with a licensed advisor based in the US, and the site offers chat and a Help Center.
Coverage includes general liability, professional liability, workers’ comp and business owner’s policies. Current prices are in the pricing box above.