Next Insurance Review 2026Small-business owners and self-employed professionals who want fast, fully online commercial coverage
Next Insurance is a digital insurance company focused on small businesses and self-employed professionals, offering commercial coverage that can be quoted and purchased entirely online. Founded in 2016 and based in Palo Alto, California, it provides policies tailored to a wide range of trades, contractors, and service-based businesses.
Next Insurance at a Glance
Founded
2016
Headquarters
Palo Alto, CA
AM Best (financial strength)
A-
Coverage & Products
- ✓General Liability Insurance
- ✓Professional Liability (Errors & Omissions)
- ✓Workers' Compensation Insurance
- ✓Commercial Auto Insurance
- ✓Business Owner's Policy (BOP)
- ✓Tools & Equipment Insurance
- ✓Commercial Property Insurance
- ✓Hired and Non-Owned Auto
Plan Features
Pros
- +Fully digital experience with fast online quotes and instant coverage
- +Free certificates of insurance and additional insureds
- +Coverage tailored to many specific trades and small-business categories
- +Flexible monthly payment plans without added fees
Cons
- −Online-only model means limited access to human agents
- −Coverage appetite and availability can vary by state and industry
- −Generally aimed at small businesses rather than larger or complex commercial risks
- −Relatively young carrier compared with legacy insurers
Next Insurance — Frequently Asked Questions
Is Next Insurance a financially strong insurance company?
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Next Insurance carries an A.M. Best financial-strength rating of A-. A.M. Best ratings measure an insurer's ability to meet its ongoing policyholder obligations; ratings of A- and above are considered "excellent" or "superior." This reflects claims-paying ability, not price or customer service.
How is Next Insurance's complaint record?
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The NAIC Complaint Index is published primarily for property-and-casualty lines; for Next Insurance, check the NAIC Consumer Insurance Search and your state department of insurance for complaint data specific to the product and state you're considering.
How do I get a quote or contact Next Insurance?
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You can request a quote or reach Next Insurance at nextinsurance.com. Rates depend heavily on your individual profile (location, age, history, coverage), so compare at least three quotes before deciding.
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Michael Torres
Editorial Lead, Catastrophe & Commercial Property
This article was researched and written by the Cover Forge USA editorial team against federal sources (NAIC, CMS, FEMA, DOL, SSA, state DOIs) and standard policy forms. Bylines organize content by topic — they do not assert individual licensure. See our editorial-policy for details.
Reviewed June 2026
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