Business Insurance, Made Simple
Powered by ERGO Next
The same no-pressure, plain-English approach you trust from CoverDad — now for your business. Get a quote in under 10 minutes with ERGO Next, backed by Munich Re's global financial strength. ERGO Next advertises general liability starting at $19/month for eligible businesses; your price depends on your business and coverage.
How It Works
Learn with CoverDad
Understand what business insurance covers, which policies your business actually needs, and how to avoid common coverage gaps — no jargon, no pressure.
Quote with ERGO Next
Get a quote in under 10 minutes through ERGO Next's 100% online platform. ERGO Next advertises general liability starting at $19/month for eligible businesses; your price depends on your business and coverage.
Manage from the App
ERGO Next has their own mobile app, so you can easily manage your insurance yourself. Issue certificates of insurance instantly, modify coverage, or cancel anytime — all from your phone.
Why Business Insurance Matters
Real scenarios business owners face — and the coverage that keeps them protected.
A client trips over your equipment on a job site
General liability covers their medical bills and your legal defense. Without it, one accident could bankrupt your business.
A client claims your work caused them financial loss
Professional liability (E&O) covers legal defense and damages. Essential for consultants, contractors, and service providers.
Your tools get stolen from your truck
Business property insurance covers replacement. If your livelihood depends on your equipment, this is a must.
An employee gets injured on the job
Workers' comp covers their medical bills and lost wages — and protects you from personal lawsuits.
Coverage Your Business Needs
General Liability
Protect against common business risks and lawsuits.
Professional Liability
Coverage for errors, omissions, and professional services.
Business Property
Safeguard your equipment, inventory, and workspace.
Workers' Comp
Keep your team covered if accidents happen on the job.
Coverage Types Explained
Quick, plain-English explanations of the policies business owners should know about.
Why CoverDad for Business Insurance?
We searched for the most flexible, business-friendly digital insurance platform backed by global financial strength. We found ERGO Next.
Powered by ERGO Next
ERGO Next (formerly NEXT Insurance) makes business insurance simple, affordable, and 100% online. Get a quote in minutes, customize your coverage, and manage everything from their digital platform. Over 750,000 businesses already trust ERGO Next for their coverage needs.
Global Financial Strength
ERGO Next is backed by Munich Re, one of the world's leading reinsurers with over 140 years of financial stability — giving you confidence your coverage is rock-solid.
You'll be taken to ERGO Next's secure online platform to complete your quote.
For policy support, contact ERGO Next's service team at agents@nextinsurance.com or 855-222-5919 (press 5).
Want to talk before you apply?
Rather not do it all online? A licensed agent can help you size up your business coverage and finish the application with you.
When you're ready, we'll connect you with an insurance partner to quote and apply. Online and partner-agent assistance may be available depending on the product.
Our Partnership, Honestly
CoverDad is a licensed insurance agency (Lasa Links Insurance, Inc.) in Florida. When you purchase a policy through our referral partner ERGO Next, we earn a commission. This doesn't increase your premium. We partnered with ERGO Next because they're backed by Munich Re's global financial strength and offer the most business-friendly digital insurance platform available — not because of what we earn.
For policy servicing — claims, billing, or policy changes — contact ERGO Next's service team at agents@nextinsurance.com or 855-222-5919 (press 5).
Pro tip: Download the ERGO Next mobile app to manage your policy, access your certificate of insurance, and file claims — all from your phone.
Frequently Asked Questions
Have Questions About Business Insurance?
We're here to help — no pressure, no sales pitch. Just honest answers.