ERGO NEXT Insurance's quick quotes, competitive pricing, and instant coverage make this an excellent choice for small businesses without insurance.
WRITTEN & RESEARCHED BY
Expert Contributor
Last updated onUpdated
REVIEWED BY
Editor & Senior Staff Writer
| Total Rating |
4.4 |
|---|---|
| Pricing4.9 | |
| Features4.3 | |
| Customer Service3.5 | |
| User Reviews4.3 | |
Pricing
Starting at $19/monthTypes Of Insurance Offered
8+ policy typesTime To Receive A Quote
Instant online quotesTable of Contents
ERGO NEXT Insurance (formerly NEXT Insurance) is an independent insurance company that caters to small businesses and offers a policy lineup that includes the basic types of business insurance and then some.
Aimed at smaller business owners, ERGO NEXT Insurance makes it easy to apply for and activate the business insurance coverage you need. You can apply online and be covered within minutes. ERGO NEXT’s mobile app lets you print out a certificate of insurance (COI) almost instantly, taking “get business insurance” off your crowded to-do list.
| Pricing4.9 |
|---|
| Affordability 5.0 |
| Transparency 4.5 |
ERGO NEXT pricing is delivered by personal quote only. That’s common for business insurers. What’s less common is the speed with which ERGO NEXT allows businesses to receive a business insurance quote online and activate coverage.
Even better, you can download a COI immediately after you activate your coverage. So, if you’ve been putting off the process of buying business insurance because it seems too complicated, expensive, or time-consuming, ERGO NEXT addresses all of those concerns.
ERGO NEXT notes that about half of its customers pay less than $25/month for general liability insurance. You can use the company’s insurance price calculator to get a feel for what you might expect to pay for general liability, professional liability, workers’ compensation, and/or property insurance.
As an example, I learned that my Oregon-based bookstore could expect to obtain general liability coverage starting at $25/month. Note that this tool gives you an estimate only; you’ll have to enter some more specific information to get a personal price quote.
ERGO NEXT scores well in the pricing category because the quotes and minimums for coverage match the average costs of business insurance.
From the ERGO NEXT website, click the blue “Get Instant Quote” link. You’ll be prompted to enter some very basic information about your business: business type, location, number of employees, and so on. You’ll receive a recommendation about the types of coverage your business needs.
I spent a few minutes on the quote process and received a recommendation to apply for a business owner’s policy (BOP), with an estimated time investment of four minutes. To receive my quote, I needed only to enter my contact information and my business name and address.
Once you receive your insurance price quote via email, you’ll be able to set up monthly payments online or with the help of a US-based rep via phone. If you download the mobile app for iOS or Android, you can receive proof of coverage within seconds.
| Features4.3 |
|---|
| Types Of Insurance Offered 5.0 |
| Additional Services 2.5 |
ERGO NEXT is a no-frills insurance company. Although you won’t find bells and whistles, you will find the basics you need.
Here’s a rundown:
ERGO NEXT has a solid foundation of business insurance basics and a few specialty policies. Depending on how you answer the basic questions during the online quote process, you will receive a personalized recommendation of any combination of ERGO NEXT’s business insurance policies.
Here is an overview of the different types of coverage you can purchase:
Maverick Tip: Even if you’re driving your personal vehicle, any automobile you operate for business purposes should be covered by commercial auto insurance. The best commercial auto insurance providers aim to protect you (and your employees) from damage caused to your vehicles or persons during business hours.
Small to mid-sized businesses and self-employed workers. You can use ERGO NEXT if your business is a sole proprietorship, an LLC, or a home-based business.
Larger organizations may find that ERGO NEXT does not have specialized coverage options, so you may want to look at insurance providers like The Hartford.
ERGO NEXT is one of our top choices for the best general liability insurance and best commercial property insurance.
Insurance is a business expense that can seem unnecessary at times. When you need to file a claim, you find out how valuable insurance can be. The best insurance companies make it easy to get the assistance you’ve paid for.
Here’s what to expect from ERGO NEXT.
ERGO NEXT makes it easy to file a claim. You can visit the website or use the app to start the claims process. Simply log in and explain what happened, and you’ll be assigned a claims advocate to work with you through the process.
ERGO NEXT is rated A+ (Superior) by AM Best for its financial strength. That rating means that ERGO NEXT is financially stable and should be able to pay out claims as needed.
We did spot some complaints online regarding claims. However, almost all the complaints were from third parties, such as clients of ERGO NEXT Insurance customers seeking repayment for damages, and were not related directly to customer payouts on claims.
| Customer Service3.5 |
|---|
| Ease Of Claim Filing 4.0 |
| Customer Support 3.0 |
ERGO NEXT has an intuitive claim filing process, live chat support, and multiple self-help options.
| ERGO NEXT Business Insurance Customer Service | Availability |
|---|---|
| Phone Support | |
| Email Support | |
| Support Tickets | |
| Live Chat | |
| Dedicated Support Representative | |
| Knowledge Base or Help Center | |
| Videos & Tutorials | |
| Company Blog | |
| Social Media |
It stands out from competitors by offering live customer support from US-based representatives. You can reach a rep Monday-Friday from 8 AM-5 PM Central Time.
The company is active on Facebook, YouTube, LinkedIn, and X. You’ll also find helpful FAQs on the website, and the mobile app for iOS and Android offers an additional contact channel.
| User Reviews4.3 |
|---|
| User Feedback 4.0 |
| Review Site Aggregate 4.4 |
ERGO NEXT scores pretty well in terms of its user reviews. It receives 4.5/5 on Trustpilot based on over 1,300 reviews. It is accredited by the Better Business Bureau, where it holds a B rating. Customer reviews on the BBB site rate the company 4.29/5 stars. However, it has received over 100 complaints in the last three years.
Here’s a sampling of the types of rants and raves online:
Customers say they like the following features:
Common complaints surrounded:
Small businesses that are overwhelmed by the process of getting business insurance may find a lot to like about ERGO NEXT Insurance. This online insurance provider offers quick coverage at reasonable prices that will suit many small and mid-size businesses.
Best of all, you can get a free price quote through a simple online request process. If you like the quote for the coverage you need, you can be insured in just minutes.
Of course, if your business is large and complex, ERGO NEXT may not offer the complete coverage you need. In that case, you may find a better match with another of our top recommended business insurance providers. Check out our list of the best business insurance companies and ask for a quote today.
Need more help getting business insurance? We have an article that can give you an in-depth overview of how to get business insurance that can set you on the right path!
The Merchant Maverick Seal of Approval 🏆
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ERGO NEXT Business Insurance
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After hours of in-depth research and evaluation, we can confidently recommend this brand to our readers. Get started today and see ERGO NEXT Business Insurance for yourself.
The Merchant Maverick Seal of Approval 🏆
|
ERGO NEXT Business Insurance
|
|---|
After hours of in-depth research and evaluation, we can confidently recommend this brand to our readers. Get started today and see ERGO NEXT Business Insurance for yourself.
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The vendors that appear on this list were chosen by subject matter experts on the basis of product quality, wide usage and availability, and positive reputation.
Merchant Maverick’s ratings are editorial in nature, and are not aggregated from user reviews. Each staff reviewer at Merchant Maverick is a subject matter expert with experience researching, testing, and evaluating small business software and services. The rating of this company or service is based on the author’s expert opinion and analysis of the product, and assessed and seconded by another subject matter expert on staff before publication. Merchant Maverick’s ratings are not influenced by affiliate partnerships.
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Our team of experts spends hours on every review so that we can find the best companies to recommend to our readers. ERGO NEXT Business Insurance made the cut.
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