ERGO NEXT Insurance vs Insurance Canopy

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	Insurance CanopyInsurance Canopy
In one line	Liability and workers' comp quoted online in minutes	Liability cover for solo service pros, priced online by trade
Starting price	From $19/mo	From $10/mo
Six-person team	$19/mo	$10/mo
Plans	General liability from $19/mo for low-risk businesses; final price set by underwriting	Starting prices by trade: beauty $10/mo or $96/yr; consultants $21/mo or $229/yr; cleaning $39/mo or $425/yr; additional insureds and tools cover cost extra
Pricing model	Paid	Paid
Free trial	—	—
Users	n/a	n/a
Integrations	Certificates shareable by link	Instant certificates of insurance online
Team size	Just me · 2–10 people · 11–50 people	Just me · 2–10 people
Available in	US	US
Phone support	None listed	Plans not stated
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 8:00 am–8:00 pm Eastern Time
Incidents posted	We found no public status page for ERGO NEXT Insurance.	We found no public status page for Insurance Canopy.
Trustpilot score	3.9 / 5 from 1,437 reviews	Not listed
Fit: Retail shop	70	45
Fit: Restaurant or café	60	40
Fit: Service business	85	88
Fit: Agency or studio	70	60
Fit: Trades or contractor	95	70
Fit: Online store	55	45
Why people pick it	Instant COIs Online claims	Published prices, monthly or yearly Certificate issued instantly
Where it falls short	Not every state and trade Higher risk classes get referred out	Price depends on your trade Not every trade in every state
	Visit ERGO NEXT Insurance ↗	Visit Insurance Canopy ↗

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