The short version
The quickest way for many small businesses and contractors to get covered and share a certificate. On our small business insurance comparison, it's labeled Best for buying online.
Key facts
| Buy through | Online |
|---|
| Coverages | GL, BOP, WC, E&O, auto |
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| Certificates | Instant, online |
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What stands out
- Get a quote and coverage online
- Instant certificates of insurance
- General liability, workers' comp, commercial auto and more
Pros and cons
Pros
- Fast online purchase
- Built for small businesses and contractors
Cons
- Fewer options for larger or complex risks
How NEXT Insurance (ERGO) compares
Side-by-side comparison
| NI NEXT Insurance (ERGO) | TH The Hartford | H Hiscox |
|---|
| Trustpilot rating | | – | – |
| Buy through | Online | Online, agents | Online, phone |
| Coverages | GL, BOP, WC, E&O, auto | GL, BOP, WC, auto, E&O | E&O, GL, BOP, cyber |
| Certificates | Instant, online | Online | Online |
| Visit site | Visit site | Visit site |
Head-to-head comparisons
Alternatives to consider
What to check before you sign up
Whichever small business insurance provider you choose, compare these points:
- General liability. Covers third-party injury and property damage claims. Often required by landlords and clients.
- Business owner's policy. Bundles general liability with commercial property at a lower price than buying both separately.
- Professional liability. Covers claims that your advice or work caused a client financial loss.
- Workers' compensation. Required in most states once you have employees. Covers work-related injuries.
