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Many small businesses find it challenging to figure out what kind of coverage they need. Here are the four questions we get asked most frequently.

Get a customized instant quote to find out what kind of coverage your business needs.

1. What is General Liability insurance?

General liability business insurance can help provide financial protection for some of the most common accidents. It can help cover a wide range of risks including injuries to customers, damage to property that doesn’t belong to you and more. It’s one of the most frequently purchased types of insurance by small businesses across industries. Some clients and agencies may ask for a certificate of insurance proving that you have general liability coverage before they will work with you.

2. How much does General Liability cost?

The cost of general liability insurance is determined by a number of factors including your industry, your business operations, the size of your business, how much coverage you want, policy limits and more. General liability insurance could cost as little as $11 per month† for low-risk businesses. Get an instant quote to see coverage costs for your business.

3. What is Professional Liability insurance?

Professional liability insurance can help protect your business if you are accused of making a professional mistake or negligence. It can help cover:

• Business errors
• Claims of professional negligence
• Professional misrepresentation
• Legal defense costs

Coverage can help you pay for expenses if you’re at fault for a mistake or professional negligence, and can help pay for defense costs if you’re falsely accused.

4. What is a Certificate of Insurance (COI), and why do I need one?

A certificate of insurance (COI) is proof of insurance. A COI shows clients, landlords, business partners and others your small business insurance details. With a COI, you can:

• Bid on jobs.
• Get a professional license or register your business.
• Sign a lease with a commercial landlord.
• Satisfy contract requirements to land a job.
• Create new business partnerships.
• Build trust with clients and prospects.

With NEXT, you can generate as many COIs as you need in minutes and have them immediately available to you online.

At NEXT we offer tailored coverage for 1,300+ professions. Check out the protection needs for your specific job with an instant customized quote.

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1. What insurance do I need for my construction business?

With construction business insurance, you want to protect your business in case someone gets hurt, property is damaged or something else goes wrong. Exactly what you need will depend on several factors. The best way to determine your individual coverage needs is to get an instant quote. Many construction companies consider the following types of small business insurance:

• General liability
• Workers’ comp
• Errors and omissions (E&O)
• Tools & equipment

2. What insurance do I need for my food truck or mobile business?

Commercial food truck business insurance can help protect your business from accidents, injuries, property damage and legal fees. To find the right coverage for your business, get an instant quote. Many food trucks and mobile businesses protect themselves with these types of small business insurance:

• General liability
• Workers’ comp
• Commercial property
• Business owners’ policy (BOP)

3. How does business insurance protect me as an e-commerce seller?

E-commerce business insurance can help protect your business from theft, cybercrime, product liability and damaged or stolen inventory. Get an instant quote to find coverage tailored for your online business. Coverage packages can include:

• Business owners’ policy (BOP)
• General liability
• Commercial property
• Cyber insurance

You can log into your account and make changes 24/7 if you're a NEXT customer. If you need more support, the quickest way to connect with our U.S.-based customer service team is by clicking “chat with us” at the bottom of our help center page.

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Help Center

1. Can I add additional insureds to my policy?

Yes! It’s common for small businesses to need to make coverage changes, like adding additional insureds. And it’s easy to do with NEXT — and free of charge — right from your customer account.

• Log in to your NEXT customer account.
• Go to the “Certificate” tab.
• Select “Create Custom Certificate.”
• Enter your additional insured’s name and address and then click the “Next” button.
• Select any endorsements you need. Answer any additional pop-up questions and click “Next.”
• Review, confirm and select “Create Custom Certificate” to view your live certificate for your new insured.

2. How do I change my business address on my policy?

You can change the business name on your policy — and access all policy documents — directly through your customer account.

• Log in to your customer account.
• Click on “Business” on the top of your account.
• Click the pencil icon next to ”Business Details” and follow the prompts.
• Once you’ve changed your business name, you’ll receive an email with the change endorsement and updated proof of insurance.

3. Can I change my coverage limits after purchasing a policy?

It’s easy to make changes to your coverage and limits with NEXT. To update your limits:

• Log in to your customer account.
• On the homepage of your customer account, click the blue arrow to the right of the policy you’d like to update.
• Select the package that has the limits you want and click “Update plan.”
• Read over the statement, confirm you agree and click “Confirm update.”

In most cases your limit change will process immediately and you’ll have instant access to a certificate reflecting your new limits. If we need to help process your request, you’ll receive instructions for how to do so.

If you need to file a claim, start by logging into your account.

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1. How do I file a claim with NEXT Insurance?

Filing a claim is easy with NEXT.

• Log into your account.
• Tell us what happened, adding any photos or documentation you have about your claim.
• A claims advocate will work with you on your claim.
• We’ll resolve your claim ASAP.

2. What does the claims process look like with NEXT Insurance?

You can learn more about our claims process on our claims page. But here’s the gist: We have 100+ licensed NEXT agents ready to help guide you through the claims process. Within one business day after you file, one of our claims advocates will contact you with next steps. Your dedicated claims advocate will share contact info so you can reach out when you need help and they can guide you through the process. You can check the status of an open claim at any time by logging into your account. We work hard to ensure claims are handled in a timely fashion and that you receive the coverage that you’re owed.

3. Will my premium increase if I file a claim?

Your premium won’t change during your current policy period. If your premium is going to change, we will inform you of your new premium when it’s time to renew. A variety of factors – including economic conditions, your claim history, state and type of insurance — go into how we calculate your insurance premium.