NEXT Insurance is an entirely digital insurer, providing access to policies and proof of insurance through both a customer portal and mobile app.
NEXT provides tailored policies to specific industries. In addition, they offer hired and non-owned auto coverage as an add-on to their general business auto policy for companies renting vehicles.
Getting a Quote
Acquiring an insurance quote can be a lengthy and cumbersome process that requires considerable disclosure. Furthermore, insurance companies are notoriously vague when discussing pricing unless they have collected all the relevant information from you – this makes comparing different companies difficult.
However, certain insurers offer straightforward online quoting and policy purchasing processes and boast excellent levels of customer service.
NEXT Insurance stands out as an ideal provider for small business commercial auto insurance due to their focus on making shopping experiences effortless while offering cost-effective policies through cutting edge technology. Established in 2015 with the intention of helping small businesses with their insurance needs, they remain an innovative player on the market today.
The insurer also offers various discounts to help reduce the cost of your premium. These include having a clean driving record, low-mileage discounts and discounts for taking safe driver courses. In addition, discounts may also be given if full payment of policy upfront is made or when bundling together various coverages like general liability, workers compensation and personal umbrella policies with one another.
Another key factor in determining auto insurance rates is your car and location. Your choice of vehicle can often have an effect on how much premiums cost; more costly cars usually attract higher premiums than their safer counterparts. Finally, living in certain communities increases risk levels, thus impacting costs for premiums accordingly.
Coverage Options
NEXT Insurance Services was only founded in 2016, yet they already offer much to small businesses looking for quick, easy, and cost-effective coverage. Their streamlined shopping experience makes getting quotes easy while purchasing coverage online without ever talking with a human agent and their policies are easy to comprehend.
They offer businesses an assortment of coverage options, such as commercial auto, professional liability and worker’s compensation coverage options. Their business owner’s policy (BOP) combines general liability and commercial property coverage into one comprehensive policy; additionally they offer hired/non-owned vehicle policies as an add-on to their commercial auto policy for businesses that frequently utilize rental vehicles for work purposes.
Live Certificate, available 24/7 and shared for free, makes sharing proof of insurance easy. NEXT also makes adding additional insureds cost-free; customers can include as many additional insureds as desired to their general liability policy at no additional expense.
Next offers an advisor program to give individuals who require extra personal support the guidance they need in understanding their options and answering any queries that arise. Your advisor can even be there if a claim needs to be filed!
Claims Process
When an unexpected accident strikes, it’s crucial that you understand how your insurance provider handles claims and what their expectations of policyholders are. No matter if an accident was your responsibility or someone else’s, or caused by something such as a tree falling on your car – filing an auto insurance claim requires evidence to support it such as photos from the scene of the incident, repair estimates and police reports.
Your insurer must acknowledge and begin investigating your claim within 15 days and provide you with their decision and reasons within 45 days – any longer could give rise to legal action against them if fraud or bad faith are being used as the excuse.
Insurance companies can take their time processing claims, especially if they require review documents and additional information from parties involved in an incident. You can help speed things along by being patient and being fully prepared to file your claim quickly – having all documentation organized helps your claim move smoothly through its stages.
Your insurance representative or agent can give you a timeline that details how long it will take for you to receive payment and repair your vehicle. Be sure to stay in contact with them regularly, informing them of any changes to your situation which might alter this timeline.
Customer Service
Next Insurance is an excellent provider for small business owners. Their rates are very affordable, and it provides policies for many different kinds of enterprises. One thing that may make Next less than ideal is its limited experience working with larger organizations that have 50 or more employees; its policies don’t cater specifically to them.
Next’s customer service representatives are available during regular business hours by phone to answer questions or assist with claims. In addition, Next has active presences on social media channels as well as live chat support available 24/7.
NEXT Insurance, which has only been on the market for less than two years, aims to simplify and streamline policy purchasing for small businesses with its online experience and affordable policies. While NEXT may lack experience when it comes to commercial auto coverage, its strong backing by Berkshire Hathaway and AM Best gives it one of the top choices for this coverage type.
The company provides several different kinds of business auto policies, such as personal and commercial property coverage for vehicles used to conduct business activities; general liability coverage to help cover legal fees, medical costs, and damages from lawsuits; instant proof of insurance that can show potential clients and gig providers that you’re protected; bundling multiple policies together for a 10% discount.
