ERGO NEXT Insurance vs Insureon

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	InsureonInsureon
In one line	Liability and workers' comp quoted online in minutes	Compare small business insurance quotes from several carriers online
Starting price	From $19/mo	From $45/mo
Six-person team	$19/mo	$45/mo
Plans	General liability from $19/mo for low-risk businesses; final price set by underwriting	Free to compare; general liability averages $45/mo for its small business customers; price depends on trade, state, and limits
Pricing model	Paid	Paid
Free trial	—	—
Users	n/a	n/a
Integrations	Certificates shareable by link	None needed
Team size	Just me · 2–10 people · 11–50 people	Just me · 2–10 people · 11–50 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: 8 a.m.–8 p.m. CT, Monday–Friday
Incidents posted	We found no public status page for ERGO NEXT Insurance.	We found no public status page for Insureon.
Trustpilot score	3.9 / 5 from 1,437 reviews	4.5 / 5 from 2,439 reviews
Fit: Retail shop	70	75
Fit: Restaurant or café	60	70
Fit: Service business	85	85
Fit: Agency or studio	70	82
Fit: Trades or contractor	95	85
Fit: Online store	55	72
Why people pick it	Instant COIs Online claims	Several carriers from one application Covers most small business policies
Where it falls short	Not every state and trade Higher risk classes get referred out	Final price needs underwriting Service runs through the broker
	Visit ERGO NEXT Insurance ↗	Visit Insureon ↗

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