ERGO NEXT Insurance (NEXT) is a digital small business insurer based in Palo Alto, California. The carrier sells online coverage for entrepreneurs and self-employed professionals across the United States. It became part of Munich Re’s ERGO Group in 2025. The move paired its digital platform with the balance sheet of a global insurer.
Website: nextinsurance.com
Head office address: 975 California Ave, Palo Alto, CA 94304
Founded: 2016, Palo Alto, California
Founders: Guy Goldstein, Alon Huri, and Nissim Tapiro
Company type: subsidiary of ERGO Group AG, a Munich Re company
Business focus: digital small business insurance
Regions served: all 50 US states, though availability varies by coverage line
NEXT started as an independent insurtech built to speed up small business coverage. Guy Goldstein, Alon Huri, and Nissim Tapiro started the company after struggling to get simple coverage for their own ventures. Munich Re took an early stake in 2017 and kept building its position over the next several years.
The 2025 deal gave ERGO its first direct foothold in the US primary insurance market. It also gave NEXT a larger balance sheet to support its underwriting. The insurer also gained access to technical resources it lacked on its own.
The carrier writes small business policies spanning industries such as construction, retail, and professional services. Its core lines include:
Customers buy, manage, and file claims through NEXT’s online platform, with policies issued in as little as ten minutes. Agents and software partners can quote and bind the same coverage through that platform too. ERGO NEXT Insurance also issues a certificate of insurance instantly, something many clients need before they can start a job.
NEXT sells directly to entrepreneurs online, but it also works through independent agents and software partners. Companies such as Intuit and LegalZoom have integrated NEXT’s coverage into their own platforms. Small business owners can buy a policy without leaving the tools they already use.
For the latest moves from ERGO NEXT Insurance, check the news section on this page.
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