Next Insurance revolutionizes small business insurance with instant online quotes and binding in under 90 seconds for workers compensation insurance, general liability insurance, business owners policy BOP, professional liability (E&O), tools & equipment, and coverage for contractors, cleaning services, restaurants, beauty salons, photographers, and freelancers across 45+ states.
This central Next Insurance hub stores all Next insurance reviews 2026, cost guides, coverage comparisons, and provider analysis. Access Next insurance workers comp cost, Next general liability insurance rates, Next BOP pricing, Next professional liability insurance, Next cleaning business insurance, and instant quote technology details.
Next Insurance Coverage Portfolio
-
Next Insurance Workers Comp & The Hartford Small Business Insurance Complete Guide 2026
Next insurance workers comp delivers instant online coverage starting at $25/month for USA small businesses, while The Hartford small business insurance provides comprehensive BOP packagesRead more
Next Insurance Workers Compensation Insurance
Next insurance workers comp offers pay-as-you-go premiums, instant binding, and no payroll minimums. Covers medical, lost wages, and employer liability for businesses with 1+ employees.
Instant WC Features:
- Bind in 90 seconds online
- Monthly pay-as-you-go billing
- No long applications
- Multi-state coverage available
Workers Comp Rates (2026):
| Payroll | Industry | Monthly Premium |
|---|---|---|
| $25K | Retail/Cleaning | $75-$175 |
| $50K | Contractors | $150-$375 |
| $100K | Restaurants | $300-$750 |
| $250K | Professional Services | $650-$1,500 |
Top WC Classes:
- Cleaning services (cleaning business insurance cost)
- General contractors (general contractor insurance cost)
- Restaurants (best insurance for restaurants)
- Landscaping (lawn care business insurance cost)
Next Insurance General Liability Insurance
Next general liability insurance provides $1M/$2M limits instantly for contractors, event planners, photographers, and service businesses with worldwide coverage.
GL Coverage:
- Bodily injury/property damage
- Advertising/personal injury
- Products/completed operations
- Damage to premises rented
Instant GL Rates:
| Revenue | Business Type | Monthly Premium |
|---|---|---|
| $50K | Photographer | $19-$39 |
| $100K | Cleaning Service | $25-$55 |
| $250K | Contractor | $45-$95 |
| $500K | Event Planner | $65-$135 |
Next Insurance Business Owners Policy (BOP)
Next BOP insurance bundles GL + property + business income for eligible retail and service businesses with instant quoting.
BOP Components:
- $1M GL limits
- Property up to $500K
- Business income 12 months
- Tools/equipment coverage
BOP Pricing:
| Revenue | Eligible Business | Monthly Rate |
|---|---|---|
| $100K | Retail Store | $35-$75 |
| $250K | Professional Office | $55-$115 |
| $500K | Service Business | $85-$175 |
Next Insurance Professional Liability (E&O)
Next professional liability insurance covers consultants, freelancers, and agencies against negligence claims with flexible limits and instant binding.
E&O Coverage:
- Wrongful acts/errors/omissions
- Legal defense costs
- Prior acts available
- Worldwide territory
Professional Rates:
| Revenue | Profession | Monthly Premium |
|---|---|---|
| $50K | Consultant | $22-$45 |
| $100K | Freelancer | $28-$65 |
| $250K | Agency | $55-$125 |
Next Insurance Tools & Equipment Insurance
Next tools and equipment insurance protects contractor tools, cameras, laptops against theft, damage, or loss with inland marine coverage.
Coverage Limits:
- $5K-$100K scheduled coverage
- Worldwide protection
- Replacement cost valuation
- No deductible options
Equipment Rates:
| Value | Business | Monthly Premium |
|---|---|---|
| $10K | Contractor Tools | $15-$35 |
| $25K | Photographer Gear | $25-$55 |
| $50K | Event Equipment | $45-$95 |
Next Insurance by Industry & Business Type
Cleaning & Janitorial Services
- Cleaning business insurance cost instant quotes
- Liability insurance for cleaning business
- Janitorial business insurance coverage
- Cleaning service insurance and bonding cost
Contractors & Trades
- General contractor insurance cost 90-second quotes
- Handyman insurance policy instant coverage
- Pressure washing insurance cost contractors
- Painting business insurance instant binding
Creative Professionals
- Business insurance for photographers gear coverage
- Videographer insurance equipment protection
- Wedding photographer insurance event liability
Hospitality & Events
- Catering business insurance event coverage
- Event planner insurance liability protection
- Food truck insurance cost instant quotes
Beauty & Personal Services
- Hair stylist insurance professional coverage
- Nail salon insurance business protection
- Esthetician business insurance salon liability
Next Insurance Complete Articles & Guides Hub
Central repository for Next insurance instant coverage content:
Published Next Guides:
• Next Insurance Workers Comp 2026: Instant Quotes & Pay-As-You-Go Guide
• Next General Liability Insurance for Contractors: 90-Second Coverage
• Next Business Owners Policy vs Hiscox BOP Comparison 2026
• Next Cleaning Business Insurance Complete Coverage Guide
Coming Soon:
• Next Professional Liability Insurance for Consultants & Freelancers
• Next Tools & Equipment Insurance for Contractors 2026
• Next Event Planner & Photographer Insurance Packages
• Next Food Truck & Catering Business Coverage Instant Quotes
Next Insurance Premium Comparison Chart
Monthly Costs for Contractors (2026):
| Coverage | Next Insurance | Hiscox | AmTrust | Travelers |
|---|---|---|---|---|
| Workers Comp ($50K payroll) | $150 | N/A | $225 | $200 |
| General Liability ($1M) | $45 | $55 | $65 | $60 |
| Tools/Equipment ($25K) | $25 | $35 | N/A | $40 |
| Professional Liability | $35 | $45 | N/A | $55 |
| BOP Package | $65 | $75 | $85 | $80 |
Next Insurance Technology & Ratings
Technology Advantages:
• Instant quotes/bind 90 seconds
• Mobile app policy management
• Pay-as-you-go workers comp
• Digital certificates instant delivery
• API integrations available
Strengths:
• AM Best: A+ (Superior)
• 100% digital experience
• Contractor specialization
• Fast claims processing
• 45+ state availability
Frequently Asked Questions
How fast can I get Next insurance workers comp coverage?
Quote and bind in 90 seconds online with pay-as-you-go monthly billing, no payroll minimums required.
Does Next Insurance offer general contractor insurance?
Yes, instant workers comp + general liability + tools coverage for contractors with $1M limits available immediately.
What is Next cleaning business insurance cost?
$25-$75 monthly for general liability + workers comp bundle depending on revenue and employee count.
Can photographers get Next Insurance coverage?
Yes, general liability + tools/equipment insurance for cameras/gear with event coverage starting at $19/month.
Does Next offer business owners policy BOP?
Yes for eligible retail/service businesses bundling GL + property + business income with instant quoting.
What states does Next Insurance operate in?
Workers comp available in 45+ states, general liability nationwide, expanding coverage monthly.
Is Next Insurance good for freelancers?
Yes, professional liability + general liability starting at $22/month with worldwide coverage and instant binding.
How does Next tools and equipment insurance work?
Inland marine coverage for scheduled tools/cameras up to $100K with replacement cost and no deductible options.
Can I get Next insurance for food trucks?
Yes, general liability + tools coverage for mobile food businesses with event/product liability protection.
Obtaining Next Insurance Coverage
Instant Process:
- Online Quote – 90-second application
- Risk Assessment – Automated instant decision
- Payment – Credit card/monthly billing
- Digital Policy – Certificate emailed immediately
- Manage Online – App/dashboard access
Perfect For: Contractors, cleaners, photographers, freelancers needing instant coverage.
Next Insurance Complete Hub – Updated January 2026. Instant workers comp, general liability, BOP digital coverage resource for USA contractors, cleaning services, creative professionals. Rates based on instant quote engine data.