Small Business Insurance · Updated October 2026

NEXT Insurance (ERGO) vs Hiscox (2026)

Both are popular small business insurance choices. Here's how they compare on coverage types · limits · premium, and which one fits which shopper.

Reviewed by our editorial team · How we rank · Advertising disclosure

The quick verdict

NEXT Insurance (ERGO)Best for buying online
4.1
Trustpilot · 1,423 reviews

The quickest way for many small businesses and contractors to get covered and share a certificate.

  • Fast online purchase
  • Built for small businesses and contractors
  • Fewer options for larger or complex risks
Visit siteRead review
HiscoxBest for freelancers and consultants

Well suited to consultants, freelancers and other service businesses that need E&O coverage.

  • Specialist in professional liability
  • Good fit for small service firms
  • Less focus on high-risk trades
Visit siteRead review

Side-by-side comparison

NEXT Insurance (ERGO)
Hiscox
Trustpilot rating
4.1
Trustpilot · 1,423 reviews
–
Buy throughOnlineOnline, phone
CoveragesGL, BOP, WC, E&O, autoE&O, GL, BOP, cyber
CertificatesInstant, onlineOnline
Visit siteVisit site

Also consider

What to compare before you choose

  • 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.

Compare all small business insurance providers that serve your ZIP code.

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