Quote & Buy Business Insurance 100% Online

Depending on your needs, you can quickly get the coverage you need at an affordable price so you can focus on your work.

NEXT Business Insurance

With over 1300 Classes of Business - Next Insurance is our go-to for small contractors and business owners.

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Quoting & Buying Process

Get a 100% online quote and purchase a business insurance policy in about 10 minutes by answering a few basic questions about your business and operations.

  • NEXT instantly provides a customized quote with recommended coverage options. You can adjust limits, complete your purchase, and access your policy entirely online.
  • If needed, there’s also the option to work with a licensed agent, though the self-service route is designed for speed and simplicity.

Certificate of Insurance (COI)

  • Once the policy is purchased, you gain instant access to your Certificate of Insurance for download or sharing.
  • NEXT offers 24/7 COI access through its platform, meaning you can retrieve or send certificates anytime.
  • The process is designed for small businesses that need quick coverage activation and immediate documentation.

On Demand Coverage (by the hour and up to a month)

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Quoting & Buying Process

Thimble delivers quotes in under 60 seconds, allowing you to purchase coverage and activate your policy within minutes.

  • Designed for flexibility, Thimble offers on-demand coverage options: hourly, daily, monthly, annual, or by the job.
  • You can easily manage policies through the mobile app or website, including modifying, pausing, or canceling coverage instantly.
  • Most customers can get insured in under 5 minutes from start to finish.

Certificate of Insurance (COI)

  • Thimble provides your Certificate of Insurance instantly after purchase.
  • You can retrieve, download, and send unlimited COIs at no additional cost directly through the app or via email/text.
  • They also allow additional Insureds and request multiple certificates instantly, keeping the process fast and user-friendly.

Coverage Options

General Liability

Most small businesses need this coverage. It guards against things like bodily injury, property damage, completed operations and advertising injury that arise from your business.

Professional Liability (E&O)

Coverage for business mistakes and accusations of negligence

Business Owners Policy (BOP)

This coverage packages liability and property coverage into one policy. Common for small businesses with commercial buildings or personal property.

Workers' Compensation

This protects you and your employees. It helps pay for things like medical costs and lost wages of employees who become injured or ill on the job.

Commercial Auto

If you use your vehicles for your business, you probably need this coverage. This can include traveling between job sites, making deliveries, or transporting tools and equipment.

Tools and Equipment

From power tools to safety supplies, if it’s essential to your work, it’s essential to protect it.

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