ERGO NEXT Insurance

aid: next-insurance
name: ERGO NEXT Insurance
description: ERGO NEXT Insurance (formerly NEXT Insurance) is a Palo Alto, California technology-first Property & Casualty
  insurer focused on the specific needs of U.S. small and medium-sized business owners. Founded in 2016, the company offers
  fully digital commercial coverage including General Liability, Workers' Compensation, Business Owner's Policy (BOP), Professional
  Liability / Errors & Omissions, Commercial Property, Commercial Auto, Tools & Equipment, Employment Practices Liability,
  Product Liability, and Liquor Liability — serving more than 750,000 customers across 1,300+ professions. In March 2025 Munich
  Re signed a definitive agreement to acquire 100% of NEXT Insurance at a valuation of $2.6 billion; ERGO Group AG (Munich
  Re's primary insurance arm) closed the full acquisition on July 1, 2025 and on January 15, 2026 the company rebranded as
  ERGO NEXT Insurance, becoming Munich Re/ERGO's foothold in the U.S. SMB market. ERGO NEXT's partner-facing surface is NEXT
  Connect, an embedded insurance platform that lets payroll, point-of-sale, accounting, e-commerce, payments, banking, and
  fintech platforms quote and bind small-business coverage from within their own product through low-code components and API
  calls. NEXT Connect aggregates 15+ carriers (including ERGO NEXT itself, Travelers, Liberty Mutual, Chubb, CNA, The Hartford)
  and is documented in the wild through embedded-payroll partners such as Check, Gusto Embedded, Intuit QuickBooks, Square,
  LegalZoom, and Amazon Business Prime, but ERGO NEXT does not publish a public developer portal, OpenAPI specification, or
  self-serve SDKs — partner onboarding is gated through a partnerships team. The company also offers a pay-as-you-go Workers'
  Comp product that integrates with partner payroll runs so premium is calculated against actual per-cycle W-2 wages.
type: Index
position: Provider
access: 3rd-Party
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/apis-json-logo.jpg
tags:
- Insurance
- Property and Casualty
- Commercial Insurance
- Small Business
- SMB
- Embedded Insurance
- Workers Compensation
- General Liability
- Business Owners Policy
- Professional Liability
- Commercial Property
- Commercial Auto
- Underwriting
- Pay As You Go
- Munich Re
- ERGO
url: https://raw.githubusercontent.com/api-evangelist/next-insurance/refs/heads/main/apis.yml
created: '2026-05-25'
modified: '2026-05-25'
specificationVersion: '0.20'
apis:
- aid: next-insurance:graphql
  name: ERGO NEXT Insurance GraphQL
  description: Conceptual GraphQL schema for the ERGO NEXT Insurance (formerly NEXT Insurance) NEXT Connect embedded insurance
    platform.
  properties:
  - url: graphql/next-insurance-graphql.md
    type: GraphQL
common:
- type: DomainSecurity
  url: security/next-insurance-domain-security.yml
- type: Website
  url: https://www.nextinsurance.com
- type: PartnerProgram
  url: https://www.nextinsurance.com/become-a-partner/
- type: HelpCenter
  url: https://www.nextinsurance.com/help-center/
- type: Newsroom
  url: https://www.nextinsurance.com/newsroom/
- type: PressReleases
  url: https://www.nextinsurance.com/newsroom/press-releases/
- type: PressKit
  url: https://www.nextinsurance.com/newsroom/press-kit/
- type: Blog
  url: https://www.nextinsurance.com/blog/
- type: NextConnect
  url: https://www.nextinsurance.com/blog/announcing-next-connect/
- type: Rebrand
  url: https://www.nextinsurance.com/blog/next-insurance-rebrands-as-ergo-next-insurance/
- type: Acquisition
  url: https://www.nextinsurance.com/blog/ergo-successfully-finalizes-the-full-acquisition-of-next-insurance/
- type: ParentCompany
  url: https://www.ergo.com
- type: Careers
  url: https://www.nextinsurance.com/careers/
- type: Contact
  url: https://www.nextinsurance.com/help-center/
- type: PressEmail
  url: mailto:pr@nextinsurance.com
- type: GitHub
  url: https://github.com/next-insurance
- type: LinkedIn
  url: https://www.linkedin.com/company/next-insurance/
- type: Twitter
  url: https://twitter.com/nextinsurance
- type: Facebook
  url: https://www.facebook.com/nextinsurance/
- type: YouTube
  url: https://www.youtube.com/@nextinsurance
- type: PartnerIntegration
  url: https://docs.checkhq.com/docs/check-next-component-integration-guide
- type: PartnerIntegration
  url: https://embedded.gusto.com/blog/next-insurance-workers-comp-via-gusto-embedded-payroll/
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com