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Next Insurance Product Profile
100% digital small business insurance with instant COI download
Editorial review record is being refreshed.
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Product resource
Next Insurance
Custom pricing
The Bottom Line
Next Insurance is 100% digital small business insurance with instant COI download. This profile summarizes the product's current positioning, available features, pricing notes, and primary sources while the independent editorial review record is being refreshed.
What is Next Insurance?
Next Insurance was founded in 2016 and is backed by $881M in funding, including investment from Munich Re and Allianz. The company built a fully AI-driven underwriting model specifically for small and micro businesses — using data and automation to eliminate the agent-intermediary model. Next specializes in industries underserved by traditional carriers: contractors, photographers, personal trainers, cleaners, therapists, and other gig-economy and service businesses that often pay too much or struggle to get coverage at all.
What does Next Insurance offer?
Next Insurance offers general liability (avg $25–$45/mo), professional liability, commercial auto, workers' compensation, tools and equipment coverage, and business owner's policies — all with dynamic AI pricing. The quote process is fully online; instant COI issuance after purchase. No agents, no phone calls. The free COI sharing feature lets contractors email proof of insurance to clients instantly from the Next mobile app.
General Liability
Custom
/month
Professional Liability
Custom
/month
Workers' Compensation
Custom
/month
Commercial Auto
Custom
/month
Editorial assessment refresh
We are re-sourcing our prior score and tier before publishing a numerical rating or testing claim for this product. The product details, pricing notes, and linked sources remain available while that work is completed.
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Get Next Insurance →Frequently Asked Questions
Is Next Insurance worth it in 2026?
Next Insurance has a current product profile, but we are not publishing an independent value verdict until its editorial review record is sourced. Confirm current pricing, limits, and fit with the provider.
What is Next Insurance best for?
Next Insurance is best for: Freelancers, gig workers, and solo trades needing instant digital coverage, Contractors who regularly need to show COI proof to clients, Tech-forward small business owners who prefer fully digital workflows.
Does Next Insurance have a free trial?
Next Insurance does not offer a permanently free plan. Contact the provider for current pricing.
What are the best Next Insurance alternatives?
Top alternatives to Next Insurance include hiscox, simply-business, lemonade-business.
Review the current product details and sources above, then confirm plan limits and pricing directly with the provider before choosing a plan.
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