$30 to $90/mo, bundled GL + Professional + Workers Comp via NEXT online platform

NEXT Insurance Professional Liability Cost 2026

NEXT Insurance is the leading mobile-first small-business carrier in the US, competing directly with Hiscox for solo professionals and small service businesses. NEXT's strengths are the bundled GL + Professional + Workers Comp pricing and the best-in-class app and certificate-of-insurance workflow. This guide breaks down 2026 published rates by profession, where NEXT outperforms Hiscox and where it does not, and the practical considerations for choosing between them.

NEXT Published Rates by Profession

Quoted monthly premium ranges from the NEXT Insurance public quote engine for solo professionals at $1M per claim coverage. As of May 2026.

ProfessionMonthly
Personal trainer / fitness instructor$22 to $36
Independent contractor / handyman$35 to $65
Cleaning service$28 to $52
Marketing or business consultant$32 to $58
IT consultant / technician$40 to $72
Tutor / educator$22 to $42
Notary public$18 to $32
Bookkeeper (non-tax)$42 to $75

Pricing from the NEXT Insurance quote engine at nextinsurance.com as of May 2026. Rates vary by state, claim history, revenue, and selected coverages.

Where NEXT Is Strong

Best-in-class app and certificate-of-insurance flow

Mobile-first app generates certificates of insurance in under 60 seconds. Custom additional-insured COIs available on-demand. Strongest workflow in the market for trades and services where COI delivery matters daily.

Bundled GL + Professional + Workers Comp pricing

NEXT's bundle pricing for service businesses (one carrier, three lines) is often 10 to 25 percent below buying each separately. Single application, single bill.

Aggressive entry-tier pricing

For specialty cohorts (notaries, tutors, fitness instructors, cleaners) NEXT often quotes the lowest premium in the market by 10 to 20 percent.

Strong digital-first claim experience

Claims submitted via app with photo upload, online status tracking, and direct messaging with claim handler. Consistent positive user reviews on claim handling speed.

Workers Compensation included

NEXT writes workers comp alongside GL and Professional, useful for service businesses with employees. Hiscox and Coterie typically do not.

Where NEXT Is Weaker

Limited high-limit appetite

$1M and $2M typical; above $2M NEXT generally routes to its broker channel or declines. Mid-size firms above $2M total tower need a different primary.

Less mature professional liability wording than Hiscox

For pure consulting and design work where wording nuances matter (subcontractor coverage, IP coverage, worldwide-coverage), Hiscox or Embroker wording often reads better.

Smaller carrier than Hiscox

NEXT is younger and smaller than Hiscox. AM Best A- (Excellent) rating but less long-term claim track record.

State availability gaps

Some products and professions not available in all 50 states. Verify state availability at quote start before assuming NEXT is an option.

Who NEXT Is Right For

NEXT is best for solo service businesses and trades that need bundled coverage (general liability, professional liability, workers comp), regularly generate certificates of insurance for clients or venues, and value a mobile-first workflow. The cleaning service, the personal trainer, the freelance handyman, the consulting business with bundle needs, the notary public: classic NEXT accounts where the bundle pricing and app workflow create real value.

Three scenarios where NEXT is less likely to be the best fit. First, pure consulting or design work where wording sophistication matters more than bundle pricing; Hiscox or Embroker often quote more nuanced wording. Second, high-limit needs above $2M where NEXT's direct-write appetite tops out. Third, regulated-industry technology or financial services work where dedicated specialty carriers (Coalition for cyber, Vouch and Embroker for tech, AICPA program for accountants) have purpose-built wording.

For most solo service businesses, NEXT and Hiscox both deserve a quote. The 15 minutes spent quoting both can yield 10 to 20 percent savings and reveals which carrier wording and app workflow fits the business better.

Frequently Asked Questions

How does NEXT compare to Hiscox on price?
For most solo professionals NEXT and Hiscox price within 10 to 20 percent of each other. NEXT often beats Hiscox slightly on bundled GL + Professional + Workers Comp packages for service businesses (trades, cleaners, fitness instructors, contractors). Hiscox often beats NEXT slightly on standalone professional liability for pure consultants, designers, and tech professionals. The best approach: quote both, compare price and wording. Both are reputable online carriers with strong digital workflows; price differences are usually small enough that wording and feature differences (app quality, COI generation, claim experience) drive the right answer.
Does NEXT include cyber liability?
Yes, as a bolt-on to the professional liability or tech E&O package, typically $200 to $500 per year for solo professionals at $250K to $1M cyber limits. For dedicated tech businesses needing higher cyber limits, specialty cyber carriers (Coalition, At-Bay) often quote better. For solo professionals where cyber is a backup coverage rather than the primary need, the NEXT bolt-on is usually sufficient and well-priced.
What states does NEXT write in?
NEXT writes professional liability in 50 states and DC, with some specific products restricted in particular states. Workers Compensation availability varies more than other lines. Always verify state availability at the start of the quote process; NEXT's online platform will indicate immediately if your state and profession combination is not currently writable.
Is NEXT financially solid?
Yes. NEXT carries an AM Best A- (Excellent) financial-strength rating as of 2026, reinsured through a panel of major reinsurers. NEXT is a younger carrier than Hiscox or biBerk and has a shorter claim-paying track record, but the financial fundamentals are sound. For most solo professional liability decisions the financial strength difference between NEXT, Hiscox, and biBerk is not the deciding factor.
What is NEXT's claim process like?
Claims submitted via the NEXT mobile app or web portal. First-notice-of-loss usually acknowledged within 24 hours, with assignment to a claim handler within 48 hours for most matters. NEXT generally handles claims internally for smaller matters and uses a panel of outside counsel for litigated cases. User reviews on independent platforms consistently note positive experience with NEXT claim communication and speed; complex litigated matters depend more on the assigned counsel than on the carrier's in-house process.
Does NEXT cover AI exposures for software developers?
NEXT's technology E&O wording covers AI-driven services on a silent basis, similar to Hiscox. NEXT has not published an explicit AI carve-out as of 2026. For AI-focused startups, the silent coverage is acceptable but is not the same as the affirmative AI coverage that Vouch, Embroker, and Coalition offer. The decision often comes down to how important affirmative AI coverage in writing is to the company's risk management posture and investor or enterprise customer expectations.

Related Cost Guides

Hiscox Cost

Main NEXT competitor for small business

biBerk Cost

Berkshire-backed alternative

$1M / $2M Coverage Cost

NEXT's most common limit tier

Sole Proprietor Cost

NEXT's core customer cohort

Photographers E&O

Strong NEXT segment with venue COI workflow

How to Save

Premium reduction strategies across carriers

This guide is informational, not insurance advice. Published rate data sourced from NEXT Insurance public quote engine and may change without notice. Always quote with your actual business details. Updated 17 May 2026.

Updated 2026-04-27