NEXT Insurance review (2026): pricing, fees and who it's for
Online insurer owned by ERGO (Munich Re) selling its own small-business policies.
Good fit if
New owners wanting fast online coverage from one insurer
Pick something else if
You want to compare several insurers' prices or need weekend human support.
What we like
- 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.
Watch out for
- 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.
NEXT Insurance pricing
| Plan | Price | Notes |
|---|---|---|
| Workers' comp | from $14/mo | Based on active policies Apr 1, 2026; not guaranteed |
| General liability | from $19/mo | Based on active policies Apr 1, 2026; not guaranteed |
| Professional liability | from $19/mo | Based on active policies Apr 1, 2026; not guaranteed |
| Business owner's policy (BOP) | from $25/mo | Based on active policies Apr 1, 2026; not guaranteed |
Prices as published on Oct 4, 2026. Confirm on their site; promotions change often.
The details
| Type | Direct insurer |
|---|---|
| Published prices | GL from $19/mo |
| Coverages | general liability, professional/E&O, workers' comp, BOP, commercial property, commercial auto, tools/equipment, employment practices, product liability, liquor liability |
| Instant certificate | Yes, free and unlimited (web or app) |
| Monthly payments | Yes, same total as paying yearly |
| Cancel anytime | Yes, prorated refund |
| States | Agencies licensed in all 50 + DC; not every coverage in every state |
| Insurer and rating | Next Insurance US Company, AM Best A+ (Superior); some policies via State National or National Specialty |
| Time to quote | About 10 minutes online |
| Who it's for | 1,300+ professions: contractors, cleaning, food, retail, fitness, consulting |
| Claims | Online or app; claims advocate contacts you within 1 business day |
Before you sign up
You'll need
- Business type, address, and whether you have employees
- Estimated yearly revenue and payroll
- Recent claims history
- Debit/credit card or bank account (no prepaid cards for monthly)
Do this first: Have your trade, your expected yearly revenue and payroll, and the coverage amount your clients or landlord ask for.
What users say in public ratings
Seen on Oct 4, 2026. App store ratings mostly reflect the app; Trustpilot leans toward billing and support stories.
NEXT Insurance alternatives
- 7.4/10InsureonOwners comparing carriers who want a licensed agent's help · From $45/mo NEXT Insurance vs Insureon
- 7.3/10ThimbleGig and project workers needing coverage per job · From $17/mo NEXT Insurance vs Thimble
- 6.7/10Simply BusinessSolo owners comparing basic liability quotes online · From $21/mo NEXT Insurance vs Simply Business
- 5.8/10HiscoxConsultants and professionals needing professional liability coverage · From $23/mo NEXT Insurance vs Hiscox
Questions
How much does NEXT Insurance cost?
Workers' comp: from $14/mo; General liability: from $19/mo; Professional liability: from $19/mo; Business owner's policy (BOP): from $25/mo.
Does NEXT Insurance have a free plan?
No free plan or free trial is published.
Does NEXT Insurance offer help in Spanish?
Spanish support.
What do I need to sign up for NEXT Insurance?
Business type, address, and whether you have employees; Estimated yearly revenue and payroll; Recent claims history; Debit/credit card or bank account (no prepaid cards for monthly).
Is NEXT Insurance good for a new business?
It fits new owners wanting fast online coverage from one insurer. Pick something else if you want to compare several insurers' prices or need weekend human support.
What are the alternatives to NEXT Insurance?
Insureon (Owners comparing carriers who want a licensed agent's help); Thimble (Gig and project workers needing coverage per job); Simply Business (Solo owners comparing basic liability quotes online); Hiscox (Consultants and professionals needing professional liability coverage).
Sources
- nextinsurance.com
- nextinsurance.com/general-liability-insurance/
- nextinsurance.com/workers-compensation-insurance/
- nextinsurance.com/professional-liability-insurance/
- nextinsurance.com/business-owners-policy/
- nextinsurance.com/faq/
- nextinsurance.com/help-center/how-do-i-renew-or-cancel-my-policy/
- help.next-insurance.com/hc/en-us/articles/4417099624595-What-are-my-payment-opti
- nextinsurance.com/licenses/
- nextinsurance.com/page/about-us/
- nextinsurance.com/blog/next-insurance-earns-a-superior-rating-from-am-best-appro
- nextinsurance.com/seguro-de-negocios/
- nextinsurance.com/contact-us/
- nextinsurance.com/blog/business-insurance-quote-online/
- trustpilot.com/review/nextinsurance.com
- apps.apple.com/us/app/ergo-next-insurance/id1580721755
Checked Oct 4, 2026. Something out of date? Tell us. Our score is calculated from public facts; partners can't pay for a better one.