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 Insurance, now branded ERGO NEXT, is positioned as a digital-first admitted small business carrier focused on micro and small business risks, with online quote-and-bind for 1,300+ classes. For agents, appointment is promoted as fast with no minimum production requirement, and servicing is largely self-service through the agent/client portals, including endorsements and unlimited COIs. The official agent material points brokers to an Appetite Checker for exact class and state eligibility. Workers’ compensation is the clearest published underwriting guide among the requested lines: target classes include health and wellness, beauty/personal care, food and beverage, hospitality/lodging, financial services, select manufacturing, retail, cleaning, creative services, auto service/repair, and select artisan contractors such as plumbing, electrical, HVAC, flooring, finish carpentry, and landscaping/lawn care. WC eligibility parameters include maximum manual premium of $50,000, minimum manual premium of $5,000 for select contractor professions, employers’ liability limits from $100k to $1M, and waiver/deductible options varying by state. Published WC declines/restrictions include risks with payroll over $5M, experience mod over 1.5, operations in more than one state, ghost policies, trucking, roofing, tree services, general contractors, marijuana/cannabis, migrant or seasonal agricultural labor, public entity employees, ownership by another business entity, serious OSHA violations within 3 years, more than two WC claims in 3 years, more than $20,000 paid WC claims in 3 years, regular transport of more than five employees in a vehicle, restaurant delivery drivers, temporary staffing/leasing/PEO exposures, and work above 15 feet or below 3 feet underground. Character/financial disqualifiers published for WC include felony convictions within 5 years, bankruptcy within 3 years, business-related lawsuits/mediations/arbitrations, or known incidents that may give rise to a claim. Geographic notes: the specific WC coverage guide lists availability in 42 jurisdictions—AK, AL, AR, AZ, CA, CO, CT, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MD, ME, MO, MS, MT, NC, NE, NH, NJ, NM, NV, OK, OR, PA, RI, SC, SD, TN, TX, UT, VA, VT—and states product availability varies by profession/state; agents are instructed to verify through the Appetite Checker/portal. For BOP/CPP-type business, NEXT publishes a Business Owner’s Policy appetite in the agent appetite guide rather than a separate underwriting manual. BOP target segments include professional services, food and beverage, retail, education, real estate and other small business classes, with stated revenue limit of $5M and max TIV of $2M (exact limits vary by class). Published BOP/property parameters include general liability occurrence limits from $500k to $2M, aggregate to $4M, $0 deductible, building coverage available, and business personal property up to $750,000 for food & beverage and $300,000 for other classes. Since the carrier does not publish a separate commercial property-only underwriting page in the reviewed sources, property appetite should be treated as embedded within BOP and class/state dependent. Operationally, submissions appear intended to be fully digital with no additional documents or manual applications required to bind standard-fit WC business, but brokers should expect exact class/state/product validation through the portal and appetite checker rather than broad blanket eligibility statements.