Next Insurance
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
NEXT/ERGO NEXT positions itself as a digital small-business carrier focused on micro to small accounts, with instant online quote-and-bind for many classes and strong emphasis on self-service COI/policy management. Official site states coverage for 1,300+ business types and online purchase capability. For Workers Comp, the current official coverage guide shows online quote-and-bind appetite for businesses up to $50,000 manual premium, with employers liability limits from $100k/$100k/$500k up to $1M/$1M/$1M, blanket waiver of subrogation available, monthly or annual billing, and no additional documents or manual applications required to bind in-appetite business. Preferred/currently listed WC classes include beauty/personal care, professional services, technology services, healthcare/wellness, retail, cleaning, food and beverage, hospitality/lodging, financial services, certain manufacturing, auto service/repair, and selected light contractors such as plumbing, electrical, HVAC, flooring, finish/interior carpentry, and landscaping/lawn care. The broader agent appetite guide also supports BOP/CPP-adjacent packaging for small businesses, with BOP revenue limit generally up to $5 million and max TIV up to $2 million, subject to class variation and state availability. Commercial property/BOP appetite appears oriented to low-hazard small business occupancies commonly sold with general liability, and umbrella/excess and tools/equipment are add-on products tied to NEXT GL/BOP in eligible states. Key WC restrictions/declinations in the current guide include ghost policies (no employees and owners excluded), more than two WC claims in the past three years, more than $20,000 paid in WC claims in the past three years, trucking/roofing/tree service operations, work above 15 feet or below 3 feet, serious OSHA violations in the last three years, regular transport of more than five employees in a vehicle, restaurants with delivery drivers, temporary agencies/PEOs/employee leasing, and risks where the business or principals have recent felony convictions, recent bankruptcy, business-related lawsuits/mediations/arbitrations, or known circumstances likely to lead to claims. Geographic availability is explicitly state-dependent; NEXT instructs agents to use its appetite checker for state availability because coverage and product availability vary by profession and state. Operationally, submission expectations are very streamlined for in-appetite small business: online quote/bind, immediate coverage, and generally no extra paperwork for eligible WC risks. Broker/producer notes available from official materials emphasize speed, digital placement, and cross-sell/add-on structure rather than bespoke underwriting; for example, umbrella/excess and tools & equipment are available only as add-ons to NEXT GL/BOP in eligible states, and professional liability is available as an add-on to GL for more classes. Overall, current published appetite is best suited to clean-loss, low- to medium-hazard small businesses that fit NEXT's online underwriting rules and state/class availability checker; more complex, higher-hazard, distressed, or loss-heavy accounts appear outside appetite.