About NEXT

We’re 100% dedicated to making small business insurance simpler — because it matters.

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How NEXT helps small businesses

Every small business is unique, and so are its risks. That’s why we’re reimagining small business insurance.

Our mission is to help entrepreneurs thrive by making it easier for you to get the customized coverage you need at an affordable price.

With 24/7 access, you can manage your coverage wherever your business takes you.

Who we serve

Entrepreneurs

Get covered in as little as 10 minutes, with instant proof of insurance and U.S.-based customer support.

Agents

Provide immediate coverage for small businesses across 1,300+ professions with a 100% online quote and bind process.

Partners

Integrate business insurance into your platform to enhance offerings, generate new revenue and serve your customers.

A brief history of NEXT

NEXT was founded in 2016, by three entrepreneurs who experienced the pain of trying to buy small business insurance: slow quotes, confusing policies and “one-size-fits-all” coverage.

They built NEXT to change that: to provide fast, affordable and tailored coverage built for the way real small businesses work.

Today, we serve over 600,000 small businesses across the U.S. and are backed by the global strength of ERGO Group and Munich Re.

Backed by ERGO Group

31 million

31 million

customers worldwide

37,000

37,000

employees and sales partners

A+

A+

AM Best Financial Strength rating

$24B

$24B

insurance revenue

Our core values

Phenomenal service

We always put customers first to ensure entrepreneurs thrive.

Be unstoppable

Be as entrepreneurial and creative as the inspirational small businesses we serve.

Dare to simplify

Find simple, elegant solutions. Then have the courage to implement.

Play as a team

We ALL win by working together: customers, partners and employees.

Nice to meet you. We’re NEXT.

Behind our groundbreaking insurance technology, we are insurance advisors, data scientists, product managers, claims advocates, UX designers and more.

We are a global network of employees who are committed to supporting small businesses. If you’re passionate about helping businesses achieve their goals, maybe NEXT is your next career move.

Our offices

Our global team is based in offices across the United States and the world.

U.S. Headquarters

Palo Alto, CA

Global Headquarters

Düsseldorf, Germany

See what NEXT can do for your business

What we cover
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Mon – Fri | 8 a.m. – 5 p.m. CT

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© 2025 Next Insurance, Inc. 975 California Ave, Palo Alto, CA 94304, United States
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NEXT is part of the ERGO Group, a Munich Re company.

Issuance of coverage is subject to underwriting. Not available in all states. Please see the policy for full terms, conditions and exclusions. Coverage examples are for illustrative purposes only. Your policy documents govern, terms and exclusions apply. Coverage is dependent on actual facts and circumstances giving rise to a claim. Next Insurance, Inc. and/or its affiliates is an insurance agency licensed to sell certain insurance products and may receive compensation from insurance companies for such sales. Policy obligations are the sole responsibility of the issuing insurance company. Refer to Legal Notices section for additional information.

* To the extent permitted by law, applicants are individually underwritten, not all applicants may qualify. Individual rates and savings vary and are subject to change. Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only.

** Coverage examples are for illustrative purposes only. Your policy documents govern, terms and exclusions apply. Coverage is dependent on actual facts and circumstances giving rise to a claim.

Any starting prices or premiums represented before an actual customer quote are not guaranteed and are representations of existing premiums of active policies as of March 21, 2025. To the extent permitted by law, applicants are individually underwritten, not all applicants may qualify. Individual rates and savings vary and are subject to change. Discounts and savings are available where state laws and regulations allow, and may vary by state. Certain discounts apply to specific coverages only.