NEXT Insurance vs Simply Business: which is better for a new business? (2026)
8.4/10
NEXT Insurance
From $14/mo
Choose NEXT Insurance if: New owners wanting fast online coverage from one insurer
Skip it if: You want to compare several insurers' prices or need weekend human support.
Visit NEXT Insurance6.7/10
Simply Business
From $21/mo
Choose Simply Business if: Solo owners comparing basic liability quotes online
Skip it if: You need Spanish help, commercial auto, cyber coverage, or a mobile app.
Visit Simply BusinessQuick verdict
| Higher OwnerUnlocked score | NEXT Insurance (8.4 vs 6.7) |
|---|---|
| Lower starting price | NEXT Insurance (From $14/mo vs From $21/mo) |
| Better public ratings | NEXT Insurance (4.6 vs 4.2 / 5) |
| More Spanish help | NEXT Insurance (Spanish support vs English only) |
Side by side
| Best for | New owners wanting fast online coverage from one insurer | Solo owners comparing basic liability quotes online |
|---|---|---|
| Skip if | You want to compare several insurers' prices or need weekend human support. | You need Spanish help, commercial auto, cyber coverage, or a mobile app. |
| Free plan or trial | No | No |
| Spanish | Spanish support | English only |
| Support | Chat and phone M-F 8am-5pm CT; 24/7 AI assistant | Phone and email; sales M-F 8am-8pm ET, service M-F 9am-6pm ET |
| Mobile app | Yes | No |
| Public rating | 4.9/5 (App Store, 14,461) | 4.2/5 (Trustpilot, 1,883) |
| Type | Direct insurer | Online agency comparing several carriers |
| Published prices | GL from $19/mo | GL from $20.75/mo |
| Coverages | general liability, professional/E&O, workers' comp, BOP, commercial property, commercial auto, tools/equipment, employment practices, product liability, liquor liability | general liability, professional/E&O, workers' comp (incl. sole proprietors), BOP, tools/equipment (inland marine), business personal property |
| Instant certificate | Yes, free and unlimited (web or app) | Yes, most in minutes online, 24/7 |
| Monthly payments | Yes, same total as paying yearly | Monthly or yearly for select coverages and insurers |
| Cancel anytime | Yes, prorated refund | By phone (policyholder only); refund terms not published |
| States | Agencies licensed in all 50 + DC; not every coverage in every state | All 50 states + DC |
| Insurer and rating | Next Insurance US Company, AM Best A+ (Superior); some policies via State National or National Specialty | 18 carriers incl. Travelers, Liberty Mutual, Hiscox, CNA, Markel, Arch, biBERK |
| Time to quote | About 10 minutes online | Under 10 minutes online |
| Who it's for | 1,300+ professions: contractors, cleaning, food, retail, fitness, consulting | 400+ types: construction, cleaning, professional services, retail, e-commerce, food |
| Claims | Online or app; claims advocate contacts you within 1 business day | File with your carrier; many accept claims online 24/7 |
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NEXT Insurance
- Published starting prices: general liability $19/mo, workers' comp $14/mo.
- AM Best rating A+ (Superior) after 2025 purchase by ERGO/Munich Re.
- Free, unlimited certificates of insurance from your online account or app.
- Cancel anytime for a prorated refund; paying monthly costs the same as yearly.
- Human agents only weekdays 8am–5pm CT; after hours it's an AI assistant.
- Mobile app is English-only, though chat and phone help exist in Spanish.
- One insurer only, so you can't compare other carriers' quotes there.
Simply Business
- Compares 18 carriers, including Travelers, Liberty Mutual, Hiscox, and CNA.
- Low-end prices published: general liability $20.75/mo, BOP $33.75/mo.
- Online quote in under 10 minutes; certificates downloadable 24/7.
- Covers 400+ business types; offers workers' comp for sole proprietors.
- No Spanish-language website or support found.
- No commercial auto or cyber insurance listed among its products.
- Cancelling requires a phone call; service line weekdays 9am–6pm ET.
Also worth a look
Questions
Is NEXT Insurance or Simply Business cheaper?
NEXT Insurance starts lower: From $14/mo for NEXT Insurance vs From $21/mo for Simply Business. Compare the plan you'd actually use, including add-ons.
Which has better reviews?
NEXT Insurance, with 4.6/5 on average across the public ratings we checked.
Which one helps in Spanish?
NEXT Insurance: Spanish support. Simply Business: English only.
Can I switch from one to the other later?
Yes, though switching mid-year takes some setup. Export your records before you cancel, and check for annual contracts or cancellation notice periods.
Facts from each company's own pages and public rating sites, checked Oct 4, 2026. How we rate.