ERGO NEXT Insurance (formerly NEXT Insurance)

ERGO NEXT Insurance, formerly NEXT Insurance, is a Palo Alto-based digital small business insurer founded in 2016 and acquired in 2025 by ERGO Group, part of Munich Re. It sells general liability, BOP and workers' compensation online.

HeadquartersPalo Alto, CaliforniaUnited States · since 2016 AM BestA+ (Superior)Financial strength · 2026 Google Maps★ 4.61,255 reviews Your experienceLeave a reviewRating from 1 to 5 stars

About us

About ERGO NEXT Insurance

NEXT Insurance was founded in 2016 by Guy Goldstein, Alon Huri and Nissim Tapiro to make small business insurance faster to buy. In 2025 it was acquired by ERGO Group, a subsidiary of Munich Re, and now operates as ERGO NEXT Insurance. Its U.S. headquarters is in Palo Alto, California; ERGO's global headquarters is in Düsseldorf, Germany.

Products

General liability and business owner's policies (BOP).
Workers' compensation.
Commercial property and commercial auto.
Professional liability (errors and omissions).

Quotes and policies are available online, with coverage tailored to more than 1,300 professions. Policies are also sold through agents and partner platforms.

Financial strength and contacts

Following the acquisition, the company carries an AM Best financial strength rating of A+ (Superior). Support: 1-855-222-5919. See our BOP guide or request a quote.

Insurance request

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Key facts

Full legal name: NEXT Insurance, Inc.
Headquarters: Palo Alto, California, United States
Year founded: 2016
Ownership type: Subsidiary of ERGO Group (Munich Re) · ERGO Group AG
AM Best rating: A+ (Superior) (2026)

Ratings change: before buying a policy, check the current rating and the company’s license in your state or country.

Customer ratings

Google Maps 4.6 1,255 reviews

Polis Re —no reviews yet

The Google Maps rating is for the company’s main office profile, as of 10.10.2026. Customer ratings do not replace checking the policy terms.

Types of insurance

Business owners policy (BOP) General liability insurance Commercial property insurance Workers compensation insurance Commercial auto insurance Professional liability insurance (E&O)

Company contacts

Customer support: +1 855-222-5919
Company website: nextinsurance.com

These are the insurer's own contact details. To compare its offer with others, send a request to Polis Re.

Checks before you choose

Company license in your state or country
Financial strength rating (AM Best, S&P, Moody’s, Fitch)
Policy coverage, limits, deductible and exclusions
Claims process and consumer complaints

Reviews and comments

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