ERGO NEXT Insurance vs Pet Sitters Associates

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	Pet Sitters AssociatesPet Sitters Associates
In one line	Liability and workers' comp quoted online in minutes	Liability insurance for pet sitters and dog walkers at $220 a year
Starting price	From $19/mo	From $18.33/mo
Six-person team	$19/mo	$18.33/mo
Plans	General liability from $19/mo for low-risk businesses; final price set by underwriting	$220/yr paid up front ($1M per occurrence, $2M annual; pets in your care $15K); each employee or contractor +$95; daycare, boarding, and grooming add-ons extra
Pricing model	Paid	Paid
Free trial	—	—
Users	n/a	n/a
Integrations	Certificates shareable by link	Vet costs regardless of fault, lost key cover
Team size	Just me · 2–10 people · 11–50 people	Just me · 2–10 people
Available in	US	US
Phone support	None listed	Not looked up yet
Live chat	Plans not stated	Not looked up yet
Support hours	Live chat: Live agents Mon–Fri 8 a.m.–5 p.m. CT; AI assistant 24/7	Email: Mon - Fri, 11 AM - 3 PM (CST)
Incidents posted	We found no public status page for ERGO NEXT Insurance.	We found no public status page for Pet Sitters Associates.
Trustpilot score	3.9 / 5 from 1,437 reviews	Not listed
Fit: Retail shop	70	10
Fit: Restaurant or café	60	5
Fit: Service business	85	80
Fit: Agency or studio	70	5
Fit: Trades or contractor	95	20
Fit: Online store	55	5
Why people pick it	Instant COIs Online claims	Pet-specific cover, including vet bills regardless of fault Low published yearly price
Where it falls short	Not every state and trade Higher risk classes get referred out	Each employee costs $95 more No workers' comp
	Visit ERGO NEXT Insurance ↗	Visit Pet Sitters Associates ↗

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