Business insurance with ERGO NEXT
A+ rated coverage you can quote online.
Don't let a mistake derail your growth. ERGO NEXT is rated "A+ Superior" by AM Best and offers coverage tailored to 1,300+ professions. Join the 750,000+ business owners that trust ERGO NEXT to help protect their business.
- AM Best A+ (Superior)
- Munich Re backed
- 750,000+ customers
- 4.7/5 star rated
The liability gap: why asset protection isn't enough
Forming an LLC or corporation is a critical first step. It can create a legal wall between your personal assets and your business liabilities. However, that wall doesn't protect your company's bank account, equipment, or future earnings from a lawsuit.
Why we chose ERGO NEXT
Get coverage, fast
Don't let traditional insurance slow down your new company. While others tie you up with paperwork and phone tag, ERGO NEXT is fully online. Get the coverage and proof of insurance you need in minutes, so you don't lose momentum on your next big contract or job.
Affordable insurance, tailored to businesses like yours
Across our family of brands, Company Sage serves freelancers, consultants, eCommerce sellers, contractors and growing teams. With policies available for 1,300+ business types, our partner ERGO NEXT matches that range. They focus on customized coverage options based on your industry and business details.
Have proof of insurance ready when deals depend on it
Clients, landlords and marketplaces often ask for a Certificate of Insurance. ERGO NEXT makes it straightforward to get your policy documents and certificates, so you can meet compliance requirements, take on contracts, and keep operations moving with less friction than old-school carriers.
The ERGO NEXT difference
| Feature | Traditional carriers | ERGO NEXT |
|---|---|---|
| Quote & buy time | 2-3 weeks | Get a quote in about 10 minutes |
| Proof of coverage | Mailed or faxed (days) | Instant digital COI |
| Application flow | Manual paperwork | Fully online |
| Pricing model | Fixed packages | Flexible limits and billing options |
| Financial strength | Varies | Rated A+ (Superior) by AM Best |
Quote & buy time
Traditional carriers: 2-3 weeks
ERGO NEXT: Get a quote in about 10 minutes
Proof of coverage
Traditional carriers: Mailed or faxed (days)
ERGO NEXT: Instant digital COI
Application flow
Traditional carriers: Manual paperwork
ERGO NEXT: Fully online
Pricing model
Traditional carriers: Fixed packages
ERGO NEXT: Flexible limits and billing options
Financial strength
Traditional carriers: Varies
ERGO NEXT: Rated A+ (Superior) by AM Best
Sources & citations:
AM Best A+ Rating (2025)Munich Re / ERGO DataForbes Advisor ReviewNEXT Insurance Company Data
Traditional carrier data represents industry averages for non-digital commercial underwriting.
Why your company needs business insurance
Business insurance can help cover:
- Customer injuries or property damage
- Professional mistakes or claims
- Theft, fire, or property loss
- Cyberattacks and data breaches
Why we recommend ERGO NEXT insurance
1. Fast, fully online coverage
Get a quote, customize your policy, and activate coverage in about 10 minutes. No paperwork required.
2. Affordable, tailored policies
Coverage is matched to your industry, business size, and risk level, so you pay for what you actually need.
3. Built for small businesses
From freelancers to contractors to online sellers, ERGO NEXT supports over 1,300 professions.
4. Flexible coverage options
Choose from policies like General Liability Insurance, Professional Liability (E&O), Workers' Compensation, Commercial Property Insurance, and Business Owner's Policies (BOP).
5. Instant proof of insurance
Download and share your Certificate of Insurance (COI) anytime, which is useful for contracts and compliance requirements.
6. Ongoing support and easy claims
Manage your policy, file claims, and access documents around the clock online or through the mobile app.
How it works
Get a customized quote
Enter your industry and business details to see tailored options.
Pick your coverage
Select the policies and limits that fit your company's needs.
Instant proof of insurance
Purchase online and immediately download your Certificate of Insurance.
Frequently asked questions
Pre-purchase
Questions about quotes, coverage, and certificates before you buy a policy.
The quoting process is free, fast, and hassle-free. Get a custom recommendation for your business today and be covered as early as tomorrow. Download proof of insurance today.
The best way to find out how much insurance will cost for your specific business is to get a customized, no-obligation instant quote. The exact cost will depend on multiple factors such as your industry, operations, location, size, revenue, and what type of coverage you need.
ERGO NEXT has licensed insurance agents available to help you find the right coverage for your business. You can contact them directly at (888) 289-2939 or support@apintego.com.
After purchasing a policy, you can get unlimited certificates of insurance in your ERGO NEXT Customer account.
Post-purchase
Billing, coverage support, certificates, and claims after your policy is active.
You can see the details of your ERGO NEXT policy and premiums through your ERGO NEXT Customer Account. If you still have questions, contact ERGO NEXT directly at (888) 289-2939.
You should contact ERGO NEXT for coverage questions or concerns. You can chat with them in the ERGO NEXT Customer Dashboard, or you can contact them directly at (888) 289-2939.
Log in to your account via web or mobile app and access the "Certificates" tab.
- To access an existing COI, find it under "Custom Certificates."
- To create a new COI, click "Create Custom Certificate," then "Create manually" or "Upload a sample certificate."
- Enter the certificate holder or additional insured's name and address, then click "Next."
- Select desired endorsements and click "Next."
- Review and confirm certificate details, then click "Submit."
Log in to your ERGO NEXT account and go to the "Claims" tab.
- Select "File a claim" to open the virtual claims assistant.
- Answer the questions and add any photos or documentation.
- Wait for a dedicated claims advocate to reach out with follow-up instructions.
Get the insurance you need to grow with confidence
- Help protect your bottom line: Have help lined up for unexpected out-of-pocket costs if your business is blamed for accidents or mistakes.
- Win more business: Meet requirements from clients, vendors, and landlords who often require proof of insurance before signing a contract.
- Coverage at digital speed: Get a free quote and purchase your policy in minutes, then manage everything 24/7 online or via the app.
Connect with a Business Success Advisor
