Next Insurance Company
NEXT is an online rater where you can quote & bind directly online General Liability, Professional Liability, Contractors' Equipment, and Commercial Property for ~1,300 professions.
Next Insurance provides digital, affordable, and customized insurance policies tailored to small business across various industries.
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Admitted
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Carrier: State National Insurance Company (A Rated) & Next Insurance Company (A- Rated)
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Renewals: Automatic
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Direct Bill
Quote & Bind Directly Online
General Liability
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Revenue limit: $5 million
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$0 deductible
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Occurrence form
NEXT 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
Umbrella/Excess Liability— Currently available as an add-on to General Liability. Check out states available.
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: $3 million
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Wind & Hail coverage is available*
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Occurrence form
Commercial Property Insurance
Business Liability Insurance, Small Business, Business Owner, General Liability Coverage, Liability Insurance, Next Commercial insurance
*Increased GL limits to: $2/$4M for restaurant and retail professions in AL, AZ, CO, FL, MI, MN, NV, SC, TN, TX, and UT.