Next Insurance
AI-powered small business insurance that quotes and binds commercial coverage in minutes, online.
What it does
Next Insurance is an AI-native commercial insurance company targeting small businesses - delivering business insurance (general liability, professional liability, workers' compensation, commercial auto, and tools and equipment coverage) entirely online in minutes, without agents or paper forms. Its AI underwriting model asks simplified questions and uses business data to generate accurate quotes tailored to specific trades and professions - a plumber, photographer, and yoga instructor each see coverage and pricing tuned to their risk profile. Certificates of insurance are generated instantly and available digitally - a key feature for small contractors who need proof of insurance to win jobs. Next Insurance represents AI-native disruption of small business commercial insurance.
Why AI-NATIVE
Next Insurance is AI-native - AI underwriting, instant policy binding, and automated certificate generation without human underwriters or agents are the operational architecture of the business.
Best for
Freelancers, consultants, and self-employed workers use Next Insurance for fast, affordable professional and general liability coverage - AI quoting in minutes versus days with traditional insurers.
Small trades businesses and contractors use Next Insurance for general liability and workers' compensation - instant digital certificates of insurance enabling them to start jobs immediately.
Small businesses across service industries use Next Insurance for commercial coverage that matches their specific industry - AI underwriting pricing risk accurately for hundreds of business types.
Limitations
Next Insurance's coverage limits are appropriate for small businesses — larger contractors or professional service firms with big contract requirements may need higher limits than Next Insurance offers.
Businesses with unusual risk factors, poor claims history, or specialized operations may not qualify for AI underwriting and need a traditional commercial insurance agent.
Next Insurance's claims process is improving but does not yet have the track record of established carriers — businesses in high-claim industries should research claims experience before purchasing.
Alternatives by segment
| If you need… | Consider instead |
|---|---|
| Personal lines AI insurance | Lemonade |
| Larger commercial coverage | Hiscox |
| Contractor-specific insurance | Thimble |
General liability from $25/month. Professional liability from $25/month. Workers' compensation from $13/month. Bundle discounts available. Pricing varies by business type, location, and revenue.
