ERGO NEXT Insurance vs FLIP

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

Compare	ERGO NEXT InsuranceERGO NEXT Insurance	FLIPVeracity Insurance
In one line	Liability and workers' comp quoted online in minutes	Liability insurance for food trucks, vendors, and caterers
Starting price	From $19/mo	From $25.92/mo
Six-person team	$19/mo	$25.92/mo
Plans	General liability from $19/mo for low-risk businesses; final price set by underwriting	$25.92/mo or $299/yr ($1M per occurrence, $2M aggregate, no deductible); with liquor liability $37.75/mo; tools and equipment cover optional
Pricing model	Paid	Paid
Free trial	—	—
Users	n/a	n/a
Integrations	Certificates shareable by link	Free unlimited additional insureds, certificates online
Team size	Just me · 2–10 people · 11–50 people	Just me · 2–10 people
Available in	US	US
Phone support	None listed	Every plan
Live chat	Plans not stated	None listed
Support hours	Live chat: Live agents Mon–Fri 8 a.m.–5 p.m. CT; AI assistant 24/7	Phone: Monday – Friday 6am – 6pm Mountain Time
Incidents posted	We found no public status page for ERGO NEXT Insurance.	We found no public status page for Veracity Insurance.
Trustpilot score	3.9 / 5 from 1,437 reviews	3.6 / 5 from 1 reviews (few reviews)
Fit: Retail shop	70	30
Fit: Restaurant or café	60	85
Fit: Service business	85	20
Fit: Agency or studio	70	5
Fit: Trades or contractor	95	10
Fit: Online store	55	25
Why people pick it	Instant COIs Online claims	Additional insureds free and unlimited No deductible on liability
Where it falls short	Not every state and trade Higher risk classes get referred out	Tools and equipment cover costs extra Built for food and drink businesses only
	Visit ERGO NEXT Insurance ↗	Visit FLIP ↗

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