What does Next Insurance do?

Next Insurance, now known as ERGO NEXT Insurance following its acquisition by ERGO Group in 2025, is a digital InsurTech based in Palo Alto, California. Founded in 2016, the company specializes in providing fast, affordable, and customized insurance solutions for small businesses across more than 1,300 professions, including freelancers, contractors, and micro-businesses. Next Insurance operates as a full-stack digital carrier, utilizing artificial intelligence and machine learning to streamline the insurance process. Customers can complete an online application in under 10 minutes and receive a digital certificate. The company offers a range of tailored insurance policies, including general liability, workers' compensation, commercial property, and professional liability insurance. Additionally, it provides white-label services in partnership with major platforms like Intuit and Cash App. With a focus on transparency, Next Insurance ensures 24/7 access to live certificates and real-time claims support.