Next Insurance
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
Workers Compensation (primary verified appetite) - Target profile: Micro and small businesses with workers comp manual premium up to $50,000 and annual payroll up to $5M, operating in a single state. Designed for standard/medium hazard classes with stable operations and limited loss history. - Preferred classes / industries (examples, not exhaustive): Beauty & Personal Care (barbers, salons, day spas); Retail (apparel, auto parts, convenience, e‑commerce, electronics, florists, home goods, pharmacies, sporting goods, etc.); Food & Beverage (bakeries, coffee shops, food trucks, restaurants including fast food, specialty foods); Sports & Fitness (fitness studios, gyms, personal trainers); Maintenance / Cleaning / Repair (auto repair, janitorial, carpet cleaning, appliance/computer/phone service & repair, laundry and dry cleaning, tailoring); Professional Services (accountants, architects, consultants, engineers, financial advisors, graphic designers, insurance agents, lawyers, marketing, real estate, sales); Technology Services (programmers, IT, tech consultants); Healthcare (doctors, dentists, nurses, labs, health & wellness coaching); Pet Services (boarding, grooming, training, veterinarians); light Manufacturing (apparel, electronics, furniture/home furnishings, machine shops, parts); light Construction trades (landscapers and residential‑only electricians, plumbers, HVAC, tile/stone/flooring). ([assets-prod.nextinsurance.com](https://assets-prod.nextinsurance.com/resources/wc-coverage-guide)) - Geographic appetite: Workers comp available in: AK, AL, AR, AZ, CA, CO, CT, FL, GA, HI, IA, ID, IL, IN, KS, KY, LA, MD, ME, MO, MS, MT, NC, NE, NH, NM, NV, OK, OR, RI, SC, SD, TN, TX, UT, VA, VT. Some states noted as “coming soon”; agents should confirm current availability in the portal by state. ([assets-prod.nextinsurance.com](https://assets-prod.nextinsurance.com/resources/wc-coverage-guide)) - Key eligibility and size parameters: • Manual WC premium must be ≤ $50,000. • Annual business payroll must be ≤ $5,000,000. • Business must operate in a single state (no multistate WC exposure). • Experience mod must be ≤ 1.50. • Quote and bind online for accounts that fit these parameters; product is designed around fast, low‑friction placement for small commercial risks. ([assets-prod.nextinsurance.com](https://assets-prod.nextinsurance.com/resources/wc-coverage-guide)) - Major ineligible / declined risks: • WC manual premium > $50,000 or payroll > $5M. • Experience mod > 1.50. • Multistate operations. • Ghost policies (no employees with all owners excluded). • Any work above 15 feet or below 3 feet (height/depth exposure outside these ranges is declined). • Trucking, roofing, or tree service operations. • Restaurants that employ drivers for delivery (delivery exposure is a hard decline). • Temporary staffing agencies, employee leasing companies, and professional employer organizations (PEOs). • General contractors (any trade acting as a GC is specifically excluded). • Marijuana/cannabis operations. • Businesses hiring migrant or seasonal agricultural workers. • Municipal, township, county, state, or federal employees (public entities declined). • Businesses owned by other business entities (rather than directly by individuals) are out of appetite. • More than two WC claims in the last three years or more than $20,000 paid WC losses in the last three years. • Any serious OSHA violations in the last three years. • Regularly transporting more than five employees in a single vehicle. • Owners/officers with certain adverse history: felony conviction within 5 years, bankruptcy within 3 years, business‑related lawsuits/mediations/arbitrations, or knowledge of existing incidents/circumstances that may give rise to a claim. Accounts with these characteristics should be considered declined. ([assets-prod.nextinsurance.com](https://assets-prod.nextinsurance.com/resources/wc-coverage-guide)) - Coverage structure highlights (WC): • Employers’ liability per accident: $100,000–$1,000,000. • Employers’ liability per employee: $100,000–$1,000,000. • Employers’ liability aggregate: $500,000–$1,000,000. • Blanket waiver of subrogation indicated as included (N/A limits). ([assets-prod.nextinsurance.com](https://assets-prod.nextinsurance.com/resources/wc-coverage-guide)) Operational & broker notes - Distribution / workflow: Business is placed 100% online via ERGO NEXT/Next Insurance’s agent and insured portals. Quote‑and‑bind is immediate for qualifying risks; no trailing documents or manual applications are needed to bind in standard cases. ([assets-prod.nextinsurance.com](https://assets-prod.nextinsurance.com/resources/wc-coverage-guide)) - Target customer profile: Micro and small businesses (1–20+ employees) seeking simple, low‑touch coverage and willing to transact digitally. Appetite spans 1,300+ professions, but underwriting rules above must be respected for WC. - Service & billing: Policies are serviced through digital self‑service tools (agent and insured portals), with the ability to generate COIs and process endorsements instantly. Monthly or annual billing with ACH, debit, and credit card options is available. Claims are handled in‑house by ERGO NEXT. ([assets-prod.nextinsurance.com](https://assets-prod.nextinsurance.com/resources/wc-coverage-guide)) - Producer positioning: Carriers markets this as a small‑business focused, low‑friction WC solution backed by Munich Re (A+ AM Best). Best fits standard/light‑to‑medium hazard classes within the stated size thresholds, single‑state operations, and clean to moderately clean loss histories. Agents should screen for multistate exposure, elevated mods, height/depth work, delivery exposure, heavy construction (particularly GCs, roofing, tree), trucking, cannabis, staffing/PEO models, and public entity status before submission. Commercial Property / BOP / CPP - ERGO NEXT offers Business Owner’s Policy and standalone commercial property for small business, but current publicly available underwriting appetite is presented broadly by business type (e.g., construction, cleaning, retail, food & beverage, etc.) rather than in a single, detailed property‑specific appetite guide. The small‑business focus and class lists above for WC are good directional indicators of property/BOP targets: light mercantile, office, service, and light manufacturing with modest scale and straightforward operations. Agents should rely on the agent portal class selection and any line‑of‑business specific guides provided there for final eligibility and rating rules. ([nextinsurance.com](https://www.nextinsurance.com/)) Submission expectations (for you as broker) - Pre‑screen using the WC coverage guide criteria (premium, payroll, mod, single‑state, disqualifying classes/exposures, loss/OSHA history, ownership and financial background) before directing a client to the online quote flow. - Confirm state availability and any exceptions within the agent portal, as state/product availability can differ from the general list on the PDF. - Expect minimal manual underwriting interaction; this program is optimized for straight‑through processing on clean risks that meet the published criteria. Out‑of‑appetite or borderline risks should be placed with alternative markets rather than submitted repeatedly through the portal.