Where can you find the best business insurance online? Entrepreneurs have a lot of things to consider when starting a company - what kind of business they'd like to be in, where they will house their offices, how they'll advertise, whether they should incorporate, and if they will want to have employees or do things on their own. One thing is clear though: small business owners realize that typically they'll need help to protect what they've built, which is where business insurance comes in.
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California-based NEXT Insurance merged with ERGO Group in 2025 to create ERGO NEXT Insurance, offering a digital-first approach to insurance coverage for small businesses. Licensed in 49 out of 50 United States, they do not have coverage available in New York but insure 31 million customers worldwide.
Values service and simplicity for their entrepreneurs
Insuring over 750,000 customers across the United States since their beginnings in 2016, ERGO NEXT Insurance is dedicated to making insurance simpler for small businesses with customized coverage at affordable prices. The company values phenomenal service with simple, elegant solutions to help customers succeed.
Speedy quotes with customizable coverage
Saying they can provide business insurance for over 1,300 types of businesses at prices as low as $19 per month, ERGO NEXT Insurance has a simple online quote process which only takes about 10 minutes to complete. Policies can be customized so business owners can choose their policy limits and deductibles for their budget. The entire process can be completed 100% online, which we find very helpful for busy entrepreneurs. First, choose from five industry categories: construction, food & beverage, retail & e-commerce, offices & professionals, and cleaning, with other industries as a sixth option. Select your main service and input your email address prior to continuing. Then you'll be asked for your desired coverages and be given an estimated time for completing each section. Following this is the application and a quote for coverage ranging from basic, premier, and deluxe options. Finally, you'll be directed to a checkout page to purchase the policy. We found the "learn more" section to be particularly helpful, with example scenarios covered by the insurance type selected.
Bundle discount and unique coverage options
ERGO NEXT Insurance has coverages for all small business needs: general liability, workers' compensation, business owner's policy, professional liability (E&O), commercial auto insurance, and employment practices liability. Additionally, there are three more that no others on our list offered as coverage options: tools & equipment, liquor liability, and LLC business insurance. If these are essential for your company, then you'll want to check them out. Emphasizing that just one kind of insurance won't protect a business from everything, they offer a bundling discount of up to 10% for purchasing two or more policies which can cover more risk. With their "instant quote," ERGO NEXT Insurance will walk you through the choices to help you decide what coverage you need.
Fast coverage plus unlimited coverage certificates
With coverage effective immediately or next day, ERGO NEXT Insurance offers access to sharing certificates of insurance at no extra cost. With a highly-rated app for Android and iOS devices, insureds have instant access to certificates of insurance, enabling them to add unlimited third parties to their certificates. Also, coverage can be updated and claims can be filed on the app.
Claims are easy on the app
Making it easy to file a claim, ERGO NEXT Insurance recommends using their app to provide relevant photos and documentation, though their website can also be used. Alternatively, you can call or log in to file the claim online. A dedicated US-based claims advocate will guide you through the process, with their goal of making claims decisions quickly to get businesses back to work. With over 100 agents available to assist, one out of every three claims is resolved within seven days. The claims philosophy of ERGO NEXT Insurance is to put customers first with a transparent process designed to support and reassure.
Cancel anytime and get a prorated refund
Canceling at any time is permitted. Should you do that, there's no penalty and they will refund the remainder of your payment, only charging you for the dates you were covered.
Pretty good reputation for a young company
NEXT Insurance Inc (their old name) is accredited by the BBB, though they've received a"B" rating due to over a hundred complaints in the past three years. On the other hand, customer reviews for ERGO NEXT Insurance across online review platforms are excellent. The company gets 4.26 to 4.5 stars out of 5 on the BBB reviews and Trustpilot from more than 2,300 reviews. Their website features customer testimonials too. Reviewers rave about the friendly agents, low customer service wait times, affordable premiums, and "covers exactly what I need." Also, they've received recognition for their award-winning small business insurance from multiple online sources including NerdWallet and Investopedia. Negative experiences, though occurring less often, complain about the service levels declining recently and not being able to reach agents by phone for assistance. The positives for this company seem to outweigh the negatives, though, and that small number of complaints on the BBB don't seem to justify the lower rating. We believe this company is worth checking out.
Excellent option for your business insurance
Providing three policy types not seen elsewhere on our list, this 10-year-old insurer supplies their customers with the best service and a speedy online coverage process. With 1,300 business types listed and the main coverages most businesses need, ERGO NEXT Insurance is a great choice to consider when shopping for your business insurance online.
Continued from above...
Entrepreneurs have a lot of things to consider when starting a company - what kind of business they'd like to be in, where they will house their offices, how they'll advertise, whether they should incorporate, and if they will want to have employees or do things on their own. One thing is clear though: small business owners realize that typically they'll need help to protect what they've built, which is where business insurance comes in.
In today's litigious society, it's essential for companies to protect themselves from accidents, property damage, injuries, and cyber attacks. Not only is it a good idea to have insurance for your business, but in some states and industries, the law requires it.
Despite the regulations involved, business insurance is a good idea in general. Risks such as natural disasters or accidents could easily place a substantial financial burden on a small business. Without coverage, such expenses might cripple a business or even lead to a bankruptcy. If you're not covered and someone sues your company, it could spell the end of your business.
With a myriad of options to offer a shield against the risks involved in doing business, some people find themselves wondering what they actually need. Recommendations for coverage vary depending on the size of the business, the type of work done, the property owned, the technology involved, and other considerations. This can be confusing, but some insurance companies make it easier with questionnaires, checklists, and even phone consultations.
Small businesses and sole proprietors can especially be at risk since they lack the resources for a legal team and accounting division. And let's face it - insurance isn't an "exciting" expense. It's something your customers won't usually see and you will probably forget about -until you need to use it.
With specialty small business insurers and large companies competing to provide you with insurance policies, you should be able to compare quotes online to find the best price for the right protection. Use the online resources to help you understand terms and select what you need to be covered.
There are many factors to consider when determining the proper coverage. Here are some things to keep in mind as you compare your options for business insurance:
With such an important decision on the line for your business, we at Top Consumer Reviews have ranked some of the top business insurance providers online to assist you in narrowing down the options. Use our research to make it even easier to get the proper coverage you need, in order to protect your company from unexpected problems, expensive lawsuits, and liability issues.
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