Pros
- Buy online in about 10 minutes, coverage effective after payment
- Unlimited free certificates of insurance (COI), 24/7
- General liability from $19 a month
- Covers 1,300+ business types
- Part of ERGO Group, a Munich Re company
Cons
- Starting prices are not guaranteed
- Not available in all states
- Sells its own policies — no side-by-side quotes from other insurers
NEXT Insurance at a glance
| Policies | GL, BOP, workers’ comp, professional liability, commercial auto, property, tools, cyber, umbrella |
|---|---|
| Starting price | GL from $19/month (existing premiums, Apr 2026) |
| Typical cost | 45% of GL customers pay $45/month or less |
| Certificates | Unlimited certificates of insurance online, free |
| How to buy | Online in about 10 minutes |
Good fit if you are…
- Contractors and trades asked for a COI by clients
- Solo service businesses that want to buy online
Look elsewhere if you are…
- Owners who want to compare several insurers in one place
NEXT Insurance alternatives
| Provider | Price | Best for | Link |
|---|---|---|---|
| Simply Business | GL from $20.75/mo | Compare quotes from many insurers | Visit Simply Business |
| Insureon | Median GL $45/mo | Licensed agents · many industries | Visit Insureon |
How to get started with NEXT Insurance
- Note your LLC’s legal name, EIN, address, revenue, payroll and exact type of work.
- Request a quote on NEXT Insurance’s site with the limits your contracts require (often $1M/$2M).
- Compare at least one other quote with the same limits and deductible.
- Buy online and download your certificate of insurance.
NEXT Insurance vs the alternatives
NEXT Insurance is our pick for fast online quotes · instant certificates (General liability from $19/mo). If that isn’t your priority:
- Simply Business — better for compare quotes from many insurers (GL from $20.75/mo). Compares quotes side by side from 18 carriers.
- Insureon — better for licensed agents · many industries (Median GL $45/mo). Publishes median prices from 100,000+ small-business customers.
Frequently asked questions
How much does NEXT Insurance cost?
General liability from $19/mo. Policies: GL, BOP, workers’ comp, professional liability, commercial auto, property, tools, cyber, umbrella. Starting price: GL from $19/month (existing premiums, Apr 2026). Verified October 18, 2026 on NEXT Insurance’s website.
Is NEXT Insurance good for an LLC?
The fastest route we found from quote to certificate: buy online in about ten minutes and share unlimited certificates for free. Good for contractors and service businesses that need proof of insurance quickly. Good fit: contractors and trades asked for a coi by clients; solo service businesses that want to buy online.
What are the downsides of NEXT Insurance?
Starting prices are not guaranteed. Not available in all states. Sells its own policies — no side-by-side quotes from other insurers.
What are the alternatives to NEXT Insurance?
Simply Business (GL from $20.75/mo), Insureon (Median GL $45/mo).
How do I sign up for NEXT Insurance?
1. Note your LLC’s legal name, EIN, address, revenue, payroll and exact type of work. 2. Request a quote on NEXT Insurance’s site with the limits your contracts require (often $1M/$2M). 3. Compare at least one other quote with the same limits and deductible. 4. Buy online and download your certificate of insurance.
Prices are published averages or starting prices from each insurer or broker, not quotes. Your premium depends on your industry, state, payroll, revenue and claims history. We are not an insurance agency. Verified October 18, 2026. We may earn a commission if you sign up through our links, at no cost to you. How we’re funded.
Your LLC setup checklist
- Get a free EINFrom the IRS, in minutes online.
- Open a business bank accountKeep LLC money apart from yours to protect the liability shield.
- Sign an operating agreementSettle who owns and decides what before it matters.
- Get business insuranceCover what the LLC itself doesn’t protect.
- Plan your taxesKnow your tax status and federal due dates.
- Track state deadlinesFree reminders before each filing.
Everything in one list: printable LLC compliance checklist · live deadline calendar.