ERGO NEXT Insurance vs Alternative Balance

Two business insurance tools side by side. Prices are the starting plan a small business would pick, in USD.

Short version

  • ERGO NEXT Insurance costs less for a six-person team.
  • ERGO NEXT Insurance fits retail shop, restaurant or café, agency or studio, trades or contractor, online store.
  • ERGO NEXT Insurance suits teams past ten people.
  • Alternative Balance: $2M/$4M limits for $269 a year.
CompareERGO NEXT InsuranceERGO NEXT InsuranceAlternative BalanceAlternative Balance
In one lineLiability and workers' comp quoted online in minutesLiability cover for wellness, beauty, and fitness pros at $269 a year
Starting priceFrom $19/moFrom $22.42/mo
Six-person team$19/mo$22.42/mo
PlansGeneral liability from $19/mo for low-risk businesses; final price set by underwriting$269/yr paid in full ($2M per occurrence, $4M aggregate general and professional liability; equipment cover included); higher-risk services +$139 to +$454; no monthly option
Pricing modelPaidPaid
Free trial——
Usersn/an/a
IntegrationsCertificates shareable by linkEquipment and participant accident cover included
Team sizeJust me · 2–10 people · 11–50 peopleJust me
Available inUSUS
Phone supportNone listedEvery plan
Live chatPlans not statedEvery plan
Support hoursLive chat: Live agents Mon–Fri 8 a.m.–5 p.m. CT; AI assistant 24/7Phone: Monday-Friday 9AM-5PM (EST)
Incidents postedWe found no public status page for ERGO NEXT Insurance.We found no public status page for Alternative Balance.
Trustpilot score3.9 / 5 from 1,437 reviews3.2 / 5 from 1 reviews (few reviews)
Fit: Retail shop7020
Fit: Restaurant or café605
Fit: Service business8585
Fit: Agency or studio7010
Fit: Trades or contractor9525
Fit: Online store5510
Why people pick it
  • Instant COIs
  • Online claims
  • $2M/$4M limits for $269 a year
  • Equipment cover included
Where it falls short
  • Not every state and trade
  • Higher risk classes get referred out
  • Yearly lump sum, no monthly payments
  • Only for wellness, beauty, and fitness practitioners
Visit ERGO NEXT Insurance Visit Alternative Balance

Six-person prices are what a team of six would pay on the published plans; "Not listed" means those plans don't cover six. How we calculate prices

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