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
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Revenue limit: $5 million
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$0 deductible
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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
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Revenue limit: $5 million
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$2,000 deductible
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Claims made
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Defense within limits
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Defense outside limits: AK, AR, NJ, NY, VT
Commercial Property
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Maximum TIV: $1 million
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Wind & Hail coverage is available*
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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.
Quote & bind online without any signed
applications Instant online quote and bind process for all
policies, with no underwriting delays
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
Unlimited COI’s for your customers (insured access)
Immediate access to certificates of insurance
