Business Insurance


What is Business Insurance ?


Commercial business insurance provides a wide variety of protection for businesses. Commercial business insurance takes care of property, liability, professional liability, technology, and worker’s compensation along with numerous other types of specialized insurance needs. Liability insurance provides coverage for damages to third parties, while property insurance covers damages to business property and products stored within the business premises, and workers’ compensation insurance covers employee injuries.


Get a direct quote from “Next Insurance” online here.  With NEXT INSURANCE  you can insure your business directly  24 /7   directly online for General Liability,  Business Property, Professional Liability, Tools, or commercial auto with one click of the button for any of the following types of businesses:

Get an instant business insurance quote 24/7 from “Next Insurance” by clicking the button below



*Architects and Engineers                           Architect                     Building Inspector                Home Energy Auditors
Home Inspectors                                                   Engineer                     Interior Designer                    Land Surveyor

*Artisan Contractors                                        Fence and Gate Installation                                    HVAC Work
Landscaping and Lawn Care                               Painting                      Paperhangers                          Plumbing
Tree Services

*Consulting                                                          Art Consultants        Business Consulting               Employment Agencies
IT Consulting or Programming                           Product Designer      Safety Consultant                   Training and Development
Specialists                                                                 Translator

*Creative Services                                              Advertising and Promotions                                     Managers
Editorial Services                                                    Graphic Designers      Marketing                               Photographer
Print Binding and Finishing Workers                 Videographers              Wedding and Event Invitations

*Education                                                               Adult Education          Computer Lessons              Tutor
Vocal Coach

*Financial Services                                                Accountant                  Actuarial Service                Business Financing
Debt Relief Services                                                   Financial Adviser        Financial Examiners        Loan Officers
Title Loans

*Pet Services                                                            Dog Walker                   Pet Boarding                      Pet Groomers
Pet Training                                                                  Veterinarians

*Beauty and Personal Care                                Barber                          Beautician                           Cosmetologist
Day Spas                                                                     Esthetician Services     Hair Stylist                          Laundry Services
Makeup Artists                                                        Nail Technician               Personal Assistant              Shoe Repair

*Sports and Fitness                                            Dance Instructor            Fitness Instructor             Golf Instructor
Indoor Cycling Instructor                                      Martial Arts Instructor   Personal Trainer              Sports Coach
Sports Coach                                                             Yoga Instructor

*Cleaning                                                               Carpet Cleaning               Debris Removal                Floor Waxing
Garbage Collection                                             House Cleaning and Maid Service                                 Janitorial Services
Pressure Washing                                                Septic Tank System Cleaning                                         Snow and Ice Removal
Window Cleaning

*Retail                                                                  Clothing Store                      Electronics Stores              Furniture Store
E-Commerce                                                      Grocery Store                          Party Equipment Rentals

*Food and Beverage                                      Baker                                        Caterer                              Chocolatiers and Shops
Coffee and Tea                                                     Desserts                                   Food Delivery                  Food Truck or Cart Services
Juice Bars and Smoothies                                  Meat Shops                             Personal Chefs                Restaurant
Seafood Markets

*Community and Social  Services          Community Gardens             Food Banks                            Mortuary Services
Recycling Center                                                 Urban and Regional Planners

Click here to get a business insurance quote for a business not listed above.

What is a Business Owners Package?

A Business Owners Package policy is commonly called a BOP. Business Owners Packages (BOP) covers a business’s general liability coverage and Business property. In addition to general liability and business property, a BOP usually includes crime, glass, equipment breakdown, sign coverage and non-owned or hired auto coverage.

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What types of business’ need a Business Owners Policy?home-picture

  • Apartments
  • Buildings (Commercial)
  • Car Repair Garages
  • Offices – Accountants, Auditors, Bookkeepers, Dentists, Dental Specialists, Lawyers, Doctors, Physicians and Surgeons, Chiropractors,  Optometrists, Veterinarians. Pet Grooming, Real Estate, Tax Preparation, Ticket and Travel Agency
  • Restaurants – Fine Dining, Buffets, Ethnic Cuisine (Asian, Italian, Mexican, Indian, Other) – family style, take out
  • Shops – Barber, Beauty, Nail Salon, Coffee, Dry Cleaning, Laundry, Engraving, Funeral Parlor, Locksmith, Packaging and Mailing Services, Print Shop, Donuts Shop,
  • Stores – Grocery, Retail, Clothing, Bagel Store, Bakery, Candy, Nut and Confectionery, Card, Stationary,  Discount Store, Florist, Furniture, Gift Shop, Hardware,  Ice Cream, Frozen Yogurt, Lawn, Garden, Outdoor Fixtures, Optical Goods, Shoe Store, Sporting Goods


What is Commercial Auto Insurance?

Commercial auto insurance policies are required under most circumstances when the vehicle is used for business purposes and meet certain circumstances other requirements It not just the registration that determines the requirement for a business auto insurance policy. Other factors are involved such as corporate ownership, use in hauling goods for hire (ie. Courier Service), and the auto’s  gross vehicle weight.  Some small trucks can be owned and insured under a personal auto insurance policy under specific circumstances.


What is Worker’s compensation Insurance?

Workers’ compensation insurance protects employers from claims resulting from injuries to employees. It protects your business from lawsuits and provides employees with compensation for on-the-job injuries. By law, most employers are required to provide coverage for lost wages and medical bills incurred as a result of on-the-job accidents or illnesses. For many businesses, this coverage is the largest part of its insurance expense.

Call for a work comp quote.


 What is Professional Liability Insurance?

Professional Liability Insurance or Errors and Omission Insurance (E&O Insurance) covers individuals who provide professional services, such as physicians and lawyers, from losses they incur as a result of being held responsible for the losses of their clients. This could result from claims of malpractice, error, or mistake committed or alleged committed by the insured in his professional capacity.

 What is Technology Insurance?

Today’s world is driven by technology.  More and more companies are increasingly being put at risk for various technology issues. Technology companies face a number of different exposures from faulty software, to bad advise, firewalls that weren’t configured correctly, to anti-virus software that was not adequate to properly protect hardware. Technology claims are rapidly growing leaving companies liable for costly lawsuits.


Should you have any questions, please phone us at 916-984-9320. You may also send us an mail to:



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