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Next Insurance (ERGO NEXT) is a US digital insurer focused on small businesses and the self-employed, offering general liability, professional liability, workers' compensation, commercial property, and more through a fast online experience. It tailors coverage to specific trades and professions, letting owners get quotes, buy, and manage policies and certificates of insurance online in minutes.
The platform covers general and professional liability, workers' compensation, commercial property and BOP, commercial auto, and tools like instant certificates of insurance, on premiums that vary by trade and profile (general liability as low as around $19 per month, averaging $25–$45). Its trade-tailored, fully digital small-business coverage differentiates it from traditional carriers and brokers.
Next Insurance serves US small businesses, contractors, and self-employed professionals that want fast, affordable, tailored insurance and instant certificates. Its digital experience, trade focus, and low entry premiums make it a leading small-business insurtech insurer.
Pricing Model
Subscription
Starting Price
$19/mo
Free Options
None
| Feature | General Liability | BOP / WC / Other |
|---|---|---|
| From ~$19/month | — | |
| Trade-tailored | — | |
| Instant certificates | — | |
| Online management | — | |
| Avg $25-45 | — | |
| Workers comp, property, auto | — | |
| Bundled BOP | — | |
| Professional liability | — | |
| Premiums vary | — | |
| Custom quote | — |
Other
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Compliance Standards
SOC 2 Type II
EnterpriseISO 27001
EnterpriseGDPR Compliant
GlobalHIPAA
HealthcarePCI DSS
FinanceCCPA
PrivacyFedRAMP
GovernmentCSA STAR
CloudDeployment & Data
Data Residency Options
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