ERGO NEXT Insurance vs Progressive Commercial

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	Progressive CommercialProgressive
In one line	Liability and workers' comp quoted online in minutes	General liability and commercial auto from a big US insurer
Starting price	From $19/mo	From $55/mo
Six-person team	$19/mo	$55/mo
Plans	General liability from $19/mo for low-risk businesses; final price set by underwriting	General liability median $55/mo in 2025 (average $79/mo); price depends on trade, state, and employees; commercial auto quoted separately
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	Every plan
Live chat	Plans not stated	Every plan
Support hours	Live chat: Live agents Mon–Fri 8 a.m.–5 p.m. CT; AI assistant 24/7	Not published
Incidents posted	We found no public status page for ERGO NEXT Insurance.	We found no public status page for Progressive.
Trustpilot score	3.9 / 5 from 1,437 reviews	1.4 / 5 from 49 reviews
Fit: Retail shop	70	70
Fit: Restaurant or café	60	68
Fit: Service business	85	75
Fit: Agency or studio	70	60
Fit: Trades or contractor	95	88
Fit: Online store	55	55
Why people pick it	Instant COIs Online claims	Strong for vehicles Quote online in minutes
Where it falls short	Not every state and trade Higher risk classes get referred out	One carrier, no comparison Final price needs a quote
	Visit ERGO NEXT Insurance ↗	Visit Progressive Commercial ↗

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