Next Insurance Review 2025 – Is This Company Legit?

Next Insurance is a digital-first insurance company that makes business insurance simple and easy for small businesses, freelancers, and entrepreneurs. They promise affordable, customized insurance policies and say it’s easy to get and manage coverage. But does it live up to the hype?

As a team of insurance experts, we wanted to find out if Next Insurance is the game changer it claims to be. We’ve dug deep into the company, the pricing, benefits, policies, and customer service so you can make an informed decision if Next Insurance is for you.

Read on to see if Next Insurance has the coverage for your business.

Our Verdict on Next Insurance

Next Insurance is perfect for small business owners, freelancers, and independent contractors who need affordable and customizable cover. Their digital-first approach and affordable pricing make it a great solution for those who want simple and reliable insurance.

The platform is easy to use, and fast quoting and customizable options make it a winner for entrepreneurs on a budget. Next Insurance’s simplicity and flexibility mean business owners can get the coverage they need fast without the complexity and high premiums.

Whether you’re just starting or already established, Next Insurance is a solid choice for small businesses seeking straightforward, affordable protection.

What is Next Insurance?

Next Insurance is an online insurance provider that offers affordable coverage for small businesses and independent contractors. They offer a range of insurance policies including general liability, professional liability, commercial auto, workers’ compensation, and more.

Next Insurance makes the process of buying and managing business insurance as simple as possible. Through an easy-to-use online platform, you can customize your insurance, get quotes, and manage your policies all in one place.

This means small businesses and freelancers can get insurance fast, without the hassle of long processes or paperwork.

They have a reputation for customized insurance at competitive prices for small businesses across many industries.

If you’ve been unhappy with your previous provider, Next Insurance might be the simple solution you’ve been looking for.

Next Insurance Review Scores

In our Next Insurance review, we’ve rated it across the things that matter most to small businesses and freelancers.

Our scores are based on hands-on experience and research, to give you an idea of how the platform compares to others for support, pricing, user experience, features, and turnaround times.

Here’s the breakdown:

Support - 4.9/5

Next Insurance has good customer support available by phone, email, and an extensive help center. Users can get to a knowledgeable support team quickly and many get helpful and fast responses.

However during peak periods wait times may be slightly longer, so be aware of that. Overall the support experience is smooth and the team can handle most questions and issues.

Price - 5.0/5

Next Insurance is competitively priced so is a great option for small business owners on a budget.

Their prices are lower than traditional insurers and offer great value, especially with customizable coverage options.

No hidden fees, users only pay for what they need. Overall Next Insurance offers affordable plans without sacrificing coverage or comprehensiveness which is perfect for freelancers and startups.

User Ratings - 4.6/5

User reviews of Next Insurance are positive with many saying it’s affordable, easy to use, and fast to claim.

Customers like the ability to buy policies online and customize coverage.

However, some users say additional coverage options could be clearer during sign-up. Overall Next Insurance has a good reputation across multiple platforms.

Ease of Use - 4.8/5

Next Insurance scores well for user experience, with a simple and intuitive platform to buy and manage insurance.

The online application is fast and policies can be customized to your business needs.

Users report zero friction during the sign-up process and the dashboard gives an easy overview of coverage and invoices. Overall it’s smooth sailing for small business owners on the go.

Features - 5.0/5

Next Insurance has a great set of features including customizable coverage, industry-specific policies, and an online platform to manage policies.

Key features like general liability, workers comp, and professional liability are suitable for freelancers and small businesses.

Some additional features like in-depth reporting tools are missing but the features available cover the basics for most users.

Turnaround - 4.7/5

Next Insurance has fast policy approval and claims processing. Many users get quotes in minutes and coverage in hours.

Claims are processed quickly with most users saying they got paid soon after filing.

Next Insurance is a good option for businesses that need fast insurance and fast claims resolution. Turnaround times are much faster than traditional insurers.

Next Insurance Services, Features and Prices

Next Insurance has insurance packages for different types of small businesses, freelancers, and independent contractors.

Here’s a summary of the services and features in their plans:

• General Liability Insurance (From $19/month): For businesses that need coverage for third-party bodily injury, property damage, and advertising injuries. Flexible plans based on business size and needs with fast online quotes and customizable coverage options.
• Professional Liability Insurance (From $25/month): For businesses that provide professional services or advice. Covers claims of negligence, errors, or omissions. Whether you’re a consultant, accountant, or freelancer this policy will protect your reputation and assets in the event of a lawsuit.
• Workers’ Compensation Insurance (From $45/month): Next Insurance offers workers comp coverage to protect your business and employees in the event of an injury or illness at work. Available in states where required, with flexible pricing based on number of employees and type of work.
• Commercial Auto Insurance (From $42/month): For businesses that use vehicles for work. Covers accidents, property damage, and injuries. Your business vehicles are covered on the road with pricing based on driving record and number of vehicles.
• Policy Management Tools (Free): Next Insurance also has online tools to manage and customize policies. You can update coverage, get certificates of insurance, and make claims from your dashboard.

Additional Features

In addition to its core insurance services, Next Insurance has a range of add-ons to enhance the customer experience.

Here’s a list of the extras:

• Live Support ($0–$25/month)
• Customizable Coverage (From $0)
• Mobile App (Free)
• Instant Certificate of Insurance (Free)

Benefits

Next Insurance has many benefits for small businesses, freelancers, and independent contractors.

Here are the top reasons to choose Next Insurance:

• Low Cost: Next Insurance is one of the most competitive in the industry. Whether you’re a freelancer or small business owner the platform has budget-friendly options so you can get the coverage you need without breaking the bank.
• Customized Policies: One of the best features of Next Insurance is the ability to customize your policy to your needs. You can choose from various policies such as liability insurance, workers comp, and more and adjust to your business.
• Fast and Easy Application: Getting coverage is easy. You can apply online, get a quote in minutes, and buy your policy without any paperwork or in-person visits.
• Instant Certificate of Insurance: For many small business owners proof of insurance is key. With Next Insurance you can get your (COI) Certificate of Insurance quickly so you can show your clients you’re covered.
• Great Customer Service: Next Insurance has 24/7 customer support to help with any questions or issues. Whether it’s a claim or policy change the team is always available to assist.

Downsides

While Next Insurance has many benefits it’s not perfect and may not be right for every business.

Here are a few drawbacks:

• Limited Insurance Types: While Next Insurance covers many industries it doesn’t cover every type of insurance. If you need specialized coverage such as property insurance or health insurance you may need to look elsewhere.
• No In-Person Support: Since Next Insurance is an online platform there’s no in-person support. If you prefer to meet with someone when buying insurance this may be a drawback.
• Not for Larger Businesses: Next Insurance is designed for small businesses so larger businesses with more complex needs may not find the coverage they need.

Who Should Hire Next Insurance?

Next Insurance is perfect for small business owners, freelancers, and independent contractors who need affordable and flexible insurance coverage.

Whether you’re a consultant, contractor, or service-based business Next Insurance has customizable plans to suit your needs.

If you’re just starting out or have a limited budget Next Insurance’s low-cost options are perfect for entrepreneurs who want basic coverage without the big cost.

But if you need special coverage such as professional liability or commercial auto their various add-ons means your policy can grow with your business.

Next Insurance is also great for businesses looking for a digital-first experience with easy policy management and customer support.
The quick quoting and instant COI make it a great choice for busy business owners.

Customer Reviews

Next Insurance Alternatives

Here’s how Next Insurance compares to some of its top competitors in the business insurance space:

Hiscox

Hiscox is another reliable small business insurance provider that offers full coverage for small businesses and contractors.

Like Next Insurance Hiscox offers industry-specific coverage for professional liability and general liability.

Hiscox tends to offer more comprehensive policies with more options but at a higher cost.

If you’re looking for affordable customizable insurance Next Insurance has more budget-friendly options with similar coverage.

But Hiscox has a longer history and may be for businesses that want established brands and lots of policies.

Chubb

Chubb is a premium insurer that offers lots of coverage options and highly customized policies for bigger businesses and high-risk industries.

Chubb is known for their service so they offer full coverage for property, general liability, and professional liability with a focus on risk management and claims handling.

Chubb’s policies are highly customized and offer more service but at a much higher cost than Next Insurance.

Next Insurance is for small businesses and freelancers who need more affordable and simple coverage.

Chubb may be for businesses with more complex needs while Next Insurance is for growing entrepreneurs who want value and simplicity.

Progressive

Progressive is a business insurance provider, especially for commercial auto and fleet insurance.

Like Next Insurance, they have an easy-to-use online platform and fast quoting but Progressive’s pricing is higher due to more options.

Next Insurance’s policies are more geared towards freelancers and small businesses so it’s better for individuals or small teams with specific coverage needs.

Progressive may have more options for bigger businesses but Next Insurance has competitive rates for entrepreneurs who need focused and affordable coverage.

FAQs