NEXT Insurance

NEXT Insurance is a digital-first commercial insurer offering general liability, professional liability, and business owner's policies through an entirely online quoting and binding flow, with same-day certificates of insurance common. For a single-location wellness franchisee who needs a policy fast — often to satisfy a landlord's certificate-of-insurance requirement before signing a lease — NEXT's speed is a real advantage over a traditional broker relationship. Coverage options and underwriting appetite are narrower than a full-service broker, and NEXT is not the right fit once you're negotiating a multi-location or franchisor-level program. Confirm any franchisor-required additional-insured endorsements are available before binding, since some digital insurers limit endorsement flexibility.

Reviewed by Miles Sutherland, Vendors & Equipment Editor