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Next Insurance: Tailored Coverage for Small Businesses
Simplify Insurance with Next

NEXT is 100% dedicated to providing insurance for the self-employed and small
businesses with up to 20 employees. We insure ~900 professions including artisan
contractors, cleaning services, consultants, restaurants, retail and more.


Next products are rated “A- Excellent” by AM Best,

the industry standard for rating insurance companies

 

General Liability

  • Revenue limit: $5 million

  • $0 deductible

  • Occurrence form


General Liability: Pro and Pro+ Enhanced Coverages

Professional Liability is included in all GL policies for the following classes of business: Fitness Trainers, Event Planning, Child Care, Education, Health and Beauty.

For Contractors and Consultants, Professional liability is only included in the in Pro & Pro+ packages.


 
Garagekeepers Liability is included in the Pro & Pro+ packages for the following classes of business: Tire Shop, Auto Repair Shop, Auto Body Shop, Car Wash (if non-self-serve) and Oil Change Station classes


 
Liquor Liability is included on GL policies for all restaurants that serve alcohol



Inland Marine — Currently available as an add-on to General Liability in varies states



Umbrella/Excess Liability— Currently available as an add-on to General Liability.

Professional Liability

  • Revenue limit: $5 million

  • $2,000 deductible

  • Claims made

  • Defense within limits

  • Defense outside limits: AK, AR, NJ, NY, VT

Commercial Property

  • Maximum TIV: $1 million

  • Wind & Hail coverage is available*

  • Occurrence form

Pro Coverage

Next Insurance’s Pro General Liability coverage offers robust protection for businesses with less than $5 million in annual revenue. It includes coverage for bodily injury, property damage, court and legal fees, medical payments, and advertising harm. Whether you’re a contractor, consultant, or small business owner, Pro Coverage has you covered.

Pro+ Enhanced Coverage
For those seeking even more comprehensive protection, Next Pro+ Enhanced General Liability coverage adds additional layers of security. It includes all the features of Pro Coverage, plus professional liability, liquor liability, garagekeepers liability, and employers’ practice liability. With Pro+ Enhanced, you can confidently address a wide range of risks.

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Quote Now
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Quote & bind online without any signed
applications Instant online quote and bind process for all
policies, with no underwriting delays

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Bundled Policies and save up to 10%
Option to bundle policies, including general liability,
workers’ comp, commercial property, professional liability (E&O) and inland marine

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Unlimited COI’s for your customers (insured access)
Immediate access to certificates of insurance

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