INSURANCE CARRIER
Next Insurance Small Business Commercial
Tech-driven small business commercial insurance for tradespeople, independent contractors, and service businesses with fast online underwriting.
Commercial Lines - Small Business
- File a claim 1-855-222-5919 · 24/7 online
- Online Account & claims portal
- After hoursFile claims online at next-insurance.com or call 1-855-222-5919.
Coverage Focus
What this carrier writes
Overview
About This Carrier
Next Insurance is a tech-driven small business commercial carrier that specializes in fast online quoting and binding for small business general liability, workers compensation, tools and equipment coverage, and commercial auto. Built for tradespeople and independent contractors.
Strengths
What This Carrier Does Well
Fast online quote and bind for routine Georgia small business commercial coverage with same-day issuance possible.
Competitive pricing on small business general liability and workers compensation for tradespeople, contractors, and service businesses.
Tech-driven underwriting platform reduces friction for sole proprietors and very small businesses.
Limitations to Know
Where They Fall Short
Small business focus only. Not appropriate for accounts needing comprehensive business owners policy with property coverage, management liability, or complex commercial structure.
Tech-first model means less hands-on service for accounts that benefit from agent-assisted policy management.
Policy limits available through Next are lower than traditional carriers; businesses with property values above $1M or revenue above $5M will outgrow Next's capacity
Right Fit
Who They Are Best For
Best Fit For
Freelancers, solo operators, and very small businesses that need general liability or professional liability coverage quickly with a fully digital experience and no agent interaction required.
Not a Good Fit For
Mid-size or complex businesses, accounts needing workers comp, or businesses where coverage depth and claims service quality matter more than price and convenience.
Appetite & Coverage
What They Write
- Line of Business
- Commercial Lines - Small Business
- Coverage Types
- Small business owners policy, general liability, workers comp, commercial auto, professional liability, cyber (qualifying classes)
- States Available
- All 50 states
- Commercial Lines States
- All 50 states
- Max Business Revenue
- Core appetite small business under $1M revenue
- BOP Appetite
- Writes tech-enabled small business owners policy for tradespeople, contractors, and service businesses. Tech-driven underwriting with online quote and bind.
- Industry Classes
- Tradespeople (electricians, plumbers, HVAC, landscapers, painters, cleaners), independent contractors, freelancers, small service businesses, fitness instructors, and consultants
Pricing & Claims
What to Expect
Best Pricing For
Tradespeople, sole proprietors, and freelancers under $1M revenue. Writes most for Georgia electricians, plumbers, HVAC, landscapers, painters, cleaners, and small service businesses.
Pricing Context
Next prices general liability and professional liability accessibly for micro-businesses and sole proprietors. Coverage is simpler and faster to bind than traditional markets for the smallest commercial risks.
Claims Experience
Digital-first claims process oriented around small business simplicity. Adequate for routine small business claims. Less established than Hartford on complex claims handling but appropriate for the small business segment they target.
Admitted Status: Admitted in all 50 states
Olive Cover, the brand of Olive Insurance Services, LLC, is your independent insurance agent. We help you file your claim and advocate on your behalf. Coverage decisions on any claim are made by your insurance carrier under the terms of your policy.
Quick Facts
At a Glance
Common Questions
Frequently asked questions
Who is Next Insurance designed for?
Next Insurance serves solo operators and very small businesses needing instant digital general liability or professional liability with no agent interaction.