What NEXT Insurance is
NEXT Insurance was founded in 2016 to sell small business insurance online. In 2025 it was acquired by ERGO Group, a subsidiary of Munich Re, and it now operates as ERGO NEXT Insurance.
It sells coverage such as general liability, workers' compensation, commercial property, commercial auto, professional liability, tools and equipment, and business owner's policies to self-employed people and small businesses in many professions, including contractors, consultants, retailers and service providers.
It suits an owner who wants to get a quote and buy a policy online, on their own schedule, from a single insurance company.
When a small business might compare options
Comparing quotes is worth the time when something changes: a renewal is coming up, the renewal price moved, the business added employees, vehicles or a new type of work, or a customer, general contractor or landlord sent insurance requirements the current policy may not meet.
Some owners also want a second set of eyes on limits, exclusions, additional insured wording or a waiver of subrogation before they sign a contract. Online and direct insurers can be a good fit; a broker can add quotes from other carriers to the same comparison.
- Your current declarations page and renewal date.
- A description of the work you do and any work you subcontract.
- Annual sales and payroll estimates.
- Any contract or certificate requirements from customers, GCs or landlords.
- Claims in the last few years, if any.
How Cohesive compares quotes
Cohesive Insurance Services is an independent, licensed insurance broker. We shop several carriers for the same business and show you the real offers side by side, including the price, the limits and what each policy leaves out.
NEXT is one of the carriers we can quote through our appointments, so a Cohesive comparison can include a NEXT quote next to quotes from other carriers.
Real prices from our own book
These are real general liability premiums from our own book as of 2026-10-02. Each is labelled BOUND (a policy we wrote) or QUOTE (a real quote, not proof anyone bought it). They are the lowest price we have for each type of business, not an average, and they are not NEXT Insurance prices.
General liability (BOUND): $200/yr for a janitorial company. A policy we wrote.
General liability (BOUND): $200/yr for a house cleaning business in North Carolina. A policy we wrote.
General liability (QUOTE): $378/yr for a solo painting contractor in Maryland. A real quote, not a bound policy.
General liability (QUOTE): $500/yr for an electrical contractor in New Jersey. A real quote, not a bound policy.
General liability (BOUND): $500/yr for a flooring contractor in Nebraska. A policy we wrote.
General liability (QUOTE): $500/yr for a carpentry contractor in Pennsylvania. A real quote, not a bound policy.
General liability (QUOTE): $560/yr for a lawn care and landscaping business in Maryland. A real quote, not a bound policy.
General liability (BOUND): $630/yr for a small remodeling contractor in Pennsylvania. A policy we wrote.
General liability (BOUND): $650/yr for a pest control company in Pennsylvania. A policy we wrote.
General liability (QUOTE): $674/yr for a framing contractor in Texas. A real quote, not a bound policy.
General liability (BOUND): $718/yr for a masonry contractor in Colorado. A policy we wrote.
General liability (QUOTE): $779/yr for a pressure washing company in Texas. A real quote, not a bound policy.
General liability (BOUND): $885/yr for an HVAC contractor in Florida. A policy we wrote.
General liability (BOUND): $916/yr for a pool contractor in Texas. A policy we wrote.
General liability (QUOTE): $1,011/yr for a tile installer in New York. A real quote, not a bound policy.
General liability (BOUND): $1,117/yr for a plumbing contractor in Colorado. A policy we wrote.
General liability (BOUND): $1,177/yr for a general contractor in New York. A policy we wrote.
General liability (QUOTE): $1,301/yr for a residential siding contractor. A real quote, not a bound policy.
General liability (QUOTE): $1,330/yr for a metal fabrication and welding shop. A real quote, not a bound policy.
General liability (BOUND): $1,500/yr for a tree service in Colorado. A policy we wrote.
Your premium depends on your work, sales, payroll, location, limits and claims. These figures are not a quote or an offer of insurance.
How we are paid
Cohesive Insurance Services is a licensed insurance broker. We are paid a commission by the insurance carrier that issues your policy. This page is not sponsored by or written with NEXT Insurance, and product names belong to their owners.
Sources (checked October 3, 2026)
Facts about NEXT Insurance on this page come from its own public website, checked on October 3, 2026. Prices for our own book come from Cohesive's records as of 2026-10-02.
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Use this guide for planning. Confirm requirements and current fees with the agencies serving your address. Coverage depends on the policy and insurer; this guide does not confirm that a particular operation is eligible.