NEXT Insurance
NEXT Insurance sells business insurance in Florida.
Based in Palo Alto, CA. In Florida since 2021. Owned by ERGO Group, a Munich Re company.
Taking new business policies
Florida company code 45550, NAIC 16285.
Policies in force
Not available
No count on file
Latest rate change
Not available
No rate change on file
Financial strength
A+ (Superior)
From AM Best, as of Oct 20, 2026
Complaints
1.63
NAIC index, 2025. 1.00 is average.
Near you
Can I get a policy?
We're still gathering this company's rules. Call and we'll check for you.
Two choices when your NEXT Insurance rate goes up
You have two choices. One 5 minute call covers both.
Before you call, see the Florida home insurance renewal checklist.
Shop your renewal in one call
One call. A licensed agent shops other companies for you, free.
What's changed recently
Is NEXT Insurance leaving Florida? No. On Oct 20, 2026 their Florida page still gave online quotes, and no stop notice was found. As of Nov 2, 2026. Source: nextinsurance.com.
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NEXT gets the right to sell in Florida
OIR shows Next Insurance US Company got their Florida license on Feb. 19, 2021, for business lines.
Rate history
No rate filings tracked yet.
5 years in Florida
In Florida since 2021. Has paid claims through 7 hurricanes.
Compare NEXT Insurance side by side
| NEXT Insurance | State Farm | Slide | |
|---|---|---|---|
| New policies | Taking new policies Checked Nov 2, 2026 | Taking new policies Checked Nov 2, 2026 | Taking new policies Checked Nov 2, 2026 |
| Florida policies | Not available | 654,641 Florida OIR, Jul 31, 2026 | 475,227 Florida OIR, Jul 31, 2026 |
| Latest rate change | Not available | +0.8% Home, from Jan 15, 2026 | Not available |
| Complaint index | 1.63 NAIC, 2025, nationwide, all lines. 1.00 is average. | 0.63 NAIC, 2025, nationwide, homeowners. 1.00 is average. | 0.88 NAIC, 2025, nationwide, homeowners. 1.00 is average. |
| Financial rating | A+ (Superior) AM Best, Oct 20, 2026 | A- (Excellent) AM Best | A (Exceptional) Demotech, Oct 7, 2026 |
| In Florida since | 2021 | 1934 | 2022 |
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- Tower Hill Taking new policies
Tower Hill is a Gainesville insurer. They have covered Florida homes since 1972. New policies come from the member owned Tower Hill Insurance Exchange.
- Frontline Taking new policies
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- Citizens Taking new policies
Citizens is run by the state and covers Florida homes when no private company will. They sell home, condo, renters and wind only plans.
More on our list of Florida commercial insurance companies.
Florida guides for NEXT Insurance customers
Questions people ask about NEXT Insurance
Leaving Florida and taking new policies (1)
Is NEXT Insurance leaving Florida?There is no sign of it.
On Oct 20, 2026, their Florida general liability page was offering online quotes.
Source: NEXT Florida general liability page, read Oct 20, 2026
Claims and phone numbers (2)
What is the NEXT Insurance claims phone number?Call the NEXT claims team at 855-222-5919.
NEXT customers can also file a claim online or in the NEXT app. After that, a claims advocate gives you a direct line.
What is the NEXT Insurance customer service number?NEXT does not list a customer service phone.
You can chat on their site, with live help Monday to Friday 8 a.m. to 5 p.m. Central time, or email [email protected].
Reviews and complaints (1)
Is NEXT Insurance a good company?Public data only: AM Best rates Next Insurance US Company A+ (Superior).
AM Best raised the grade from A minus on September 4, 2025. We found no later AM Best action as of October 2026.
Business and workers' comp (1)
How do I reach NEXT Insurance about a premium audit?Call 855-222-5919 within 30 days of the email that has your audit summary.
You can send your papers to [email protected].
About the company (2)
Is NEXT Insurance the same as ERGO NEXT?Yes.
NEXT now goes by ERGO NEXT Insurance. They are part of the ERGO Group, which is a Munich Re company.
Is NEXT Insurance licensed in Florida?Yes.
OIR lists Next Insurance US Company as an active Florida insurer for business lines. They got their Florida license on Feb. 19, 2021.
NEXT Insurance reviews and complaints: what the public data shows
NEXT Insurance rating
- Complaints
- 1.63 on the NAIC complaint index 1.00 is average. Higher means more complaints for their size. NAIC, 2025, nationwide, all lines. As of Oct 20, 2026.
- Years in Florida
- Since 2021 (5 years)
- Regulatory actions
- Not available
No star ratings and no user reviews, only public data.