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ERGO NEXT Insurance at a Glance
| Our Rating | 4.2 / 5 |
|---|---|
| Best For | Small businesses wanting fast online coverage |
| Coverage | General liability, BOP, workers comp, commercial auto, professional liability |
| Starting Price | From $19/month for general liability (not guaranteed) |
| Professions | Over 1,300 |
What Is ERGO NEXT Insurance?
ERGO NEXT Insurance, formerly NEXT, is a small business insurer that is part of ERGO Group, a Munich Re company. It says it has insured more than 750,000 customers and sells coverage online.
Policies include general liability, business owner policies (BOP), workers compensation, commercial property, commercial auto, professional liability and errors and omissions, tools and equipment, and employment practices liability.
Pros & Cons
Pros
- Online quotes and purchase that it says take under 10 minutes
- Covers over 1,300 professions
- General liability prices advertised from $19 per month
- Certificates of insurance available online
Cons
- Starting prices are not guaranteed and depend on underwriting
- Not issued in every state
- Complex businesses may need a broker
How ERGO NEXT Insurance Works
Pick coverage or profession
Choose the policy you need or your line of work.
Get a quote
Answer questions online; the company says quoting and buying take under 10 minutes.
Buy and get proof
Select a plan and receive a certificate of insurance.
Safety & What to Know
Advertised starting prices are not guaranteed. Each applicant is individually underwritten, so your rate depends on your business.
Coverage is not issued in every state. Check that the policy limits and exclusions fit your contracts and clients.
ERGO NEXT Insurance Pricing
| General liability | Advertised from $19 per month, subject to underwriting |
|---|---|
| Other policies | Quoted individually |
Rates vary by profession, location and coverage. Get a quote to see your actual price.
Who ERGO NEXT Insurance Is For
A good fit if you
- You are a freelancer or small business owner
- You need a certificate of insurance quickly
Look elsewhere if you
- Your business has complex or high-risk exposures
- You want a local agent to manage everything
How ERGO NEXT Insurance Compares
See the business insurance guide for how to size coverage, and compare quotes from at least one other insurer.
Frequently Asked Questions
Our Verdict
★ 4.2 out of 5
ERGO NEXT Insurance is a convenient, fast option for small businesses that want coverage online. Compare a second quote, and make sure the limits suit your contracts.
See the full Best Small Business Insurance ranking →
Reviewed by
Sarah MitchellSenior Finance Editor
Sarah Mitchell is a certified financial planner with 12 years of experience covering personal finance, credit cards, and investment products. She has been quoted in The Wall Street Journal, Forbes, and Bloomberg. Sarah holds a CFP designation and an MBA from Wharton. She tests every financial product she reviews and consults with independent financial advisors to ensure accuracy.