We've got you covered

Need proof of insurance?

Are you an independent contractor and need to show proof of coverage? We give you unlimited certificates of insurance, free of charge. We can get you proof and get you back to work.

Give yourself peace of mind

People trip and accidents happen. We can protect you so you can rest easy and get back to the things that really matter.

Simple monthly payments

No need to pay a large sum up front for annual coverage. Balance your budget with simple monthly payments at no extra charge.

Coverage plans

Basic
$300,000 limit
$300,000 aggregate

$500 – $1,500 deductible

$1,000,000 limit
$1,000,000 aggregate

$500 deductible

Pro Plus
$1,000,000 limit
$2,000,000 aggregate

$0 – $500 deductible

All plans include General Liability coverage

  • Bodily injury
    Someone trips over your tools and breaks their leg
  • Property damage
    You drop heavy duty equipment inside your client’s house and damage their hardwood floor
  • Medical payments
    Someone gets injured at your work site and asks you to pay for $1,000 in medical expenses instead of suing you
  • Advertising harm
    Someone sues you for improper use of images in your advertising
  • Libel, slander and defamation
    An employee bad-mouths a client on Facebook and the client sues you
  • Court and legal fees
    You need an attorney to defend against a lawsuit even if you did nothing wrong
This is a brief summary of your policy and does not supersede the policy documents. If you want full details, please call us.

Got questions? We’ve got answers

How do I get a Certificate of Insurance?

We give you unlimited certificates of insurance, free of charge. Once you've purchased a policy, Click Here to input the details of your general contractor, owner, or lessee. We'll get you your certificate as soon as your policy is ready, within one business day.

Do I have to pay the entire annual premium now?

No, to make it easier on your budget we allow you to make monthly payments.

Who is Next Insurance?

We're a group of designers, engineers, and insurance geeks based in Palo Alto, California. We want to use our deep industry experience at companies including Intuit, American Express, PayPal, Check, and Oracle to transform insurance for small businesses. We're an insurance agency licensed in all 50 states.

Let us help protect you.

Get a quote and purchase insurance coverage online within minutes.

Get instant quote