ERGO NEXT (formerly NEXT Insurance): business insurance for US freelancers
Online business insurance for US freelancers, self-employed people and independent contractors
ERGO NEXT, formerly NEXT Insurance, sells small business insurance online in the United States. You answer questions about your business, see a price and can buy your policy from the site. The company says it is part of the ERGO Group, a Munich Re company.
Where it works: the United States only on the pages we read, and "not available in all states". Its states page names 49 states and does not name New York. That does not prove it is unavailable there, so run a quote with your own address.
Who is ERGO NEXT for?
Small businesses, including people working alone. Its self-employed page names freelancers, sole proprietors, side hustlers and independent contractors. The pages we read only deal with US businesses, so it is not a fit if you live elsewhere.
Features
- General liability: bodily injury, property damage and advertising injury.
- Professional liability: also called errors and omissions (E&O).
- Cyber liability.
- Commercial property: including business income coverage.
- Business Owner's Policy (BOP): general liability and commercial property together.
- Commercial auto.
- Online quote: the company says it takes about 10 minutes, and licensed advisors can help.
ERGO NEXT pricing in 2026
Checked on the official site in October 2026, for the United States, in US dollars. Premiums are set by quote, depending on your business, your cover and your state. The homepage says prices start at $19 a month for general liability. Its footnote says starting prices are not guaranteed, reflect existing policies as of April 1, 2026, and vary by applicant. Treat that as an indication, not your price.
Why we recommend ERGO NEXT
We recommend it if you are a US freelancer and want to get a quote online in one sitting. The weak point to know about: cover and availability depend on your state, and every application goes through underwriting. The company acts as an agency, and the issuing insurer is responsible for the policy, so read the policy itself before you buy.
ERGO NEXT or another solution?
Get a quote from at least one other US insurer or broker before you decide. Insurance also does not replace a clear client contract: PandaDoc can help you send and sign one.
Strengths and weaknesses
Strengths
- Pages written for freelancers, sole proprietors and independent contractors
- General liability, professional liability, cyber and commercial property in one place
- Online quote, which the company says takes about 10 minutes
- Licensed advisors available by phone or chat
Weaknesses
- United States only on the pages we read, and not available in all states
- Your price is only known after a quote, and coverage is subject to underwriting
Frequently asked questions about ERGO NEXT
ERGO NEXT is the new name of NEXT Insurance. It sells small business insurance online in the United States and says it is part of the ERGO Group, a Munich Re company.
Yes, its self-employed page names freelancers, sole proprietors, side hustlers and independent contractors. Issuance of coverage is subject to underwriting.
No: its site says coverage is not available in all states. Its states page names 49 states and does not name New York, so check the quote tool with your own address.
The pages we read only deal with the United States, and none mentions cover abroad. Treat it as a US product, and ask an advisor if your situation is different.
Your premium depends on your quote. The homepage says prices start at $19 a month for general liability, with a footnote saying that starting prices are not guaranteed and vary by applicant.
Alternatives to ERGO NEXT
What we would use instead, in the same category.
