Products
At Next Insurance, we believe in making small business insurance simple, flexible, and tailored to the way modern entrepreneurs work. Our product portfolio is designed to meet the diverse needs of small businesses across more than 1,000 professions—from construction contractors to consultants, personal trainers, real estate agents, and everything in between.
Our General Liability Insurance is one of the most popular and essential policies we offer. It provides protection against claims of bodily injury, property damage, and personal injury that might occur as a result of your business operations. This coverage is crucial for businesses that interact with customers, operate on client property, or have physical locations. It also includes product liability, which helps protect businesses that sell or manufacture goods.
We also offer Professional Liability Insurance, also known as Errors & Omissions (E&O) insurance. This policy is especially valuable for service-based businesses and licensed professionals such as consultants, accountants, fitness coaches, and marketing agencies. It covers legal costs and damages if you're accused of making a professional mistake, giving incorrect advice, or failing to deliver services as promised.
Another core offering is our Workers’ Compensation Insurance, which provides wage replacement and medical benefits to employees injured on the job. It's required in most states and essential for businesses with staff. Next Insurance makes it easy to comply with state regulations while ensuring that your employees are taken care of if an accident occurs.
For those who drive for work, our Commercial Auto Insurance offers protection for business vehicles. Whether you own a fleet or a single work truck, this policy covers accidents, vehicle damage, liability, and even uninsured motorists. Next allows you to manage all your commercial auto policies online and tailor coverage to your specific vehicle use.
Our Business Owner’s Policy (BOP) combines general liability with commercial property insurance into a single, affordable bundle. This is ideal for small business owners who want broad protection for both liability and the physical assets of their company, like inventory, equipment, or office space. It simplifies the insurance process and often comes at a reduced rate compared to buying policies separately.
We also provide Tools and Equipment Insurance, sometimes offered as an add-on to General Liability. This policy is crucial for contractors, landscapers, or anyone whose business depends on physical tools. It covers repair or replacement of stolen or damaged tools, even when they're on a job site or in transit.
For those storing or moving equipment or inventory, Inland Marine Insurance is available. It protects mobile business property that isn’t covered under a standard property policy. This is particularly useful for businesses that work off-site, transport materials, or use specialized gear across multiple locations.
Next Insurance also offers Commercial Property Insurance, which protects physical assets like buildings, furnishings, equipment, and inventory against perils like fire, theft, and natural disasters. This policy is customizable based on the value of your property and the unique risks associated with your business’s location and industry.
We offer several endorsements and customizations to make your policy even more specific to your business. For example, Liquor Liability Insurance can be added to protect businesses like bars, restaurants, or catering companies from alcohol-related incidents. It's a must-have for businesses that sell or serve alcohol.
Our Hired and Non-Owned Auto (HNOA) coverage is another endorsement available under Commercial Auto or General Liability. It provides protection when employees use personal or rented vehicles for business purposes—a common gap in coverage that many small businesses overlook.
For businesses in the auto service industry, such as mechanics or body shops, we offer Garage keepers Liability Insurance. This endorsement covers damage to customers' vehicles while they’re in your care, custody, or control—whether in a shop, parking lot, or during service.
We also offer Cyber Liability Insurance in select packages, which is increasingly important in today’s digital world. It helps protect businesses from losses related to data breaches, cyberattacks, or digital fraud. This is especially important for companies storing sensitive customer data or conducting online transactions.
Some policies may be enhanced with an Umbrella or Excess Liability endorsement, which provides additional coverage limits beyond what your core policies offer. This is ideal for businesses that need higher limits to meet contract requirements or protect against rare but catastrophic claims.
Every Next Insurance policy is designed to be modular and adaptable, allowing business owners to build exactly what they need. Our platform makes it easy to add or remove coverage, adjust limits, and generate certificates of insurance instantly—no delays, no red tape.
With Next Insurance, you're not just buying a policy—you’re gaining access to a full suite of small-business protections backed by financial strength, responsive claims handling, and 100% online convenience. Whether you’re a sole proprietor or managing a growing team, we have the tools to protect what you’ve built and keep your business moving forward with confidence.
Our General Liability Insurance is one of the most popular and essential policies we offer. It provides protection against claims of bodily injury, property damage, and personal injury that might occur as a result of your business operations. This coverage is crucial for businesses that interact with customers, operate on client property, or have physical locations. It also includes product liability, which helps protect businesses that sell or manufacture goods.
We also offer Professional Liability Insurance, also known as Errors & Omissions (E&O) insurance. This policy is especially valuable for service-based businesses and licensed professionals such as consultants, accountants, fitness coaches, and marketing agencies. It covers legal costs and damages if you're accused of making a professional mistake, giving incorrect advice, or failing to deliver services as promised.
Another core offering is our Workers’ Compensation Insurance, which provides wage replacement and medical benefits to employees injured on the job. It's required in most states and essential for businesses with staff. Next Insurance makes it easy to comply with state regulations while ensuring that your employees are taken care of if an accident occurs.
For those who drive for work, our Commercial Auto Insurance offers protection for business vehicles. Whether you own a fleet or a single work truck, this policy covers accidents, vehicle damage, liability, and even uninsured motorists. Next allows you to manage all your commercial auto policies online and tailor coverage to your specific vehicle use.
Our Business Owner’s Policy (BOP) combines general liability with commercial property insurance into a single, affordable bundle. This is ideal for small business owners who want broad protection for both liability and the physical assets of their company, like inventory, equipment, or office space. It simplifies the insurance process and often comes at a reduced rate compared to buying policies separately.
We also provide Tools and Equipment Insurance, sometimes offered as an add-on to General Liability. This policy is crucial for contractors, landscapers, or anyone whose business depends on physical tools. It covers repair or replacement of stolen or damaged tools, even when they're on a job site or in transit.
For those storing or moving equipment or inventory, Inland Marine Insurance is available. It protects mobile business property that isn’t covered under a standard property policy. This is particularly useful for businesses that work off-site, transport materials, or use specialized gear across multiple locations.
Next Insurance also offers Commercial Property Insurance, which protects physical assets like buildings, furnishings, equipment, and inventory against perils like fire, theft, and natural disasters. This policy is customizable based on the value of your property and the unique risks associated with your business’s location and industry.
We offer several endorsements and customizations to make your policy even more specific to your business. For example, Liquor Liability Insurance can be added to protect businesses like bars, restaurants, or catering companies from alcohol-related incidents. It's a must-have for businesses that sell or serve alcohol.
Our Hired and Non-Owned Auto (HNOA) coverage is another endorsement available under Commercial Auto or General Liability. It provides protection when employees use personal or rented vehicles for business purposes—a common gap in coverage that many small businesses overlook.
For businesses in the auto service industry, such as mechanics or body shops, we offer Garage keepers Liability Insurance. This endorsement covers damage to customers' vehicles while they’re in your care, custody, or control—whether in a shop, parking lot, or during service.
We also offer Cyber Liability Insurance in select packages, which is increasingly important in today’s digital world. It helps protect businesses from losses related to data breaches, cyberattacks, or digital fraud. This is especially important for companies storing sensitive customer data or conducting online transactions.
Some policies may be enhanced with an Umbrella or Excess Liability endorsement, which provides additional coverage limits beyond what your core policies offer. This is ideal for businesses that need higher limits to meet contract requirements or protect against rare but catastrophic claims.
Every Next Insurance policy is designed to be modular and adaptable, allowing business owners to build exactly what they need. Our platform makes it easy to add or remove coverage, adjust limits, and generate certificates of insurance instantly—no delays, no red tape.
With Next Insurance, you're not just buying a policy—you’re gaining access to a full suite of small-business protections backed by financial strength, responsive claims handling, and 100% online convenience. Whether you’re a sole proprietor or managing a growing team, we have the tools to protect what you’ve built and keep your business moving forward with confidence.