NEXT Insurance Review (2025): Fast, Affordable Coverage for Small Businesses

"I Got Insured During My Lunch Break"

When Mike’s landscaping client asked for proof of liability insurance, he expected weeks of paperwork and headaches. Instead, he downloaded NEXT Insurance, answered a few questions, and had his policy before his sandwich arrived.  

This is the reality for over 500,000 small business owners who use NEXT Insurance. Whether you’re a contractor, consultant, or freelancer, NEXT makes business insurance simple, fast, and surprisingly affordable.  

---

Why Small Businesses Love NEXT Insurance

Traditional insurance is broken:  

❌ Slow – Weeks of paperwork  

❌ Expensive – Bloated premiums  

❌ Complicated – Hidden exclusions  

NEXT fixes this with:  

✅ Instant quotes – Get covered in 10 minutes 

✅ Policies starting at $11/month – Pay only for what you need  

✅ Digital-first experience – Manage everything from your phone  

"I paid $1,200/year with State Farm. NEXT gave me better coverage for $600." – Sarah, freelance photographer  

---

 What NEXT Insurance Covers  

1. General Liability  

- Client injuries  

- Property damage  

- Advertising claims  

2. Professional Liability (Errors & Omissions) 

- Lawsuits over mistakes  

- Missed deadlines  

- Negligence claims  

3. Commercial Auto  

- Work vehicles  

- Hired/rented cars  

- Employee drivers  

4. Workers' Comp

- Employee injuries  

- Medical bills  

- Lost wages  

5. Industry-Specific Policies 

Tailored coverage for:  

- Contractors  

- Consultants  

- Beauty professionals  

- Personal trainers  

---

Real Customer Stories 

- Trucking company saved $3,200/year vs. their old policy  

- Massage therapist got insured while at a client’s house

- Handyman filed a claim via text message (paid in 48 hours)  

---

How NEXT Stacks Up

| Feature | NEXT | Hiscox | The Hartford |  

|---------|------|--------|-------------|  

|   Speed | 10 min | 3 days | 1 week |  

|    Price  | From $11/mo | From $25/mo | From $50/mo |  

|   Claims | App + online | Phone only | Phone + mail |  

---

Pricing (2025 Rates) 

- General Liability: $11-$50/month  

- Professional Liability: $25-$100/month  

- Business Owner’s Policy (BOP): $30-$120/month

Discounts Available For:

- Paying annually  

- Bundling policies  

- Claims-free history  

[Get Your Instant Quote]

---

Who’s It Best For?

✔ Freelancers (writers, designers)  

✔ Tradespeople (electricians, plumbers)  

✔ Health/wellness pros (trainers, therapists)  

✔ Retailers (online stores, pop-up shops)  

Not ideal for:  

- Large corporations  

- High-risk industries (aviation, mining)  

---

3 Reasons to Choose NEXT

1. No bait-and-switch – Price shown is price paid  

2. Live certificates – Share proof of insurance instantly  

3. Cancel anytime – No penalties  

---

How to Get Covered in 4 Steps

1. Enter basic info (business type, location)  

2. Customize coverage (add-ons like tools coverage)  

3. Checkout (credit card or bank payment)  

4. Download your certificate (immediately)  

---

FAQs 

Q: Is NEXT legit?

A: Yes – backed by Munich Re (world’s largest reinsurer)  

Q: Can I get workers’ comp same-day? 

A: In most states, yes  

Q: What about existing claims?

A: They’ll help transfer open claims  

---

The Verdict: 9/10 

NEXT isn’t perfect (no 24/7 phone support), but it’s the best option for small biz owners who want:  

✓ Fast coverage 

✓ Fair pricing

✓ No-hassle management

Ready to stop overpaying for insurance? 

👉 [Get Your Instant NEXT Insurance Quote]