Small Business Insurance · Updated October 2026

NEXT Insurance (ERGO) vs The Hartford (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 The quickest way for many small businesses and contractors to get covered and share a certificate.
The Hartford Best for bundled policies A strong choice for businesses that want several coverages in one policy.

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 site Read review

The HartfordBest for bundled policies

A strong choice for businesses that want several coverages in one policy.

Comprehensive bundles
Established insurer

Some coverages require speaking with an agent

Visit site Read review

Side-by-side comparison

	NINEXT Insurance (ERGO)	THThe Hartford
Trustpilot rating	4.1 Trustpilot · 1,423 reviews	–
Buy through	Online	Online, agents
Coverages	GL, BOP, WC, E&O, auto	GL, BOP, WC, auto, E&O
Certificates	Instant, online	Online
	Visit site	Visit site

Also consider

Hiscox · Best for freelancers and consultants

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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