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.wp-block-quote::before{color:#ffff5e;}.css-1vhugkq .bg-color-lightLemonYellow img{background-color:#ffffd7;}.css-1vhugkq .bg-color-lightLemonYellow .wp-block-quote::before{color:#ffffd7;}.css-1vhugkq .bg-color-violet img{background-color:#ac00e7;}.css-1vhugkq .bg-color-violet .wp-block-quote::before{color:#ac00e7;}.css-1vhugkq .bg-color-gold img{background-color:#ed9100;}.css-1vhugkq .bg-color-gold .wp-block-quote::before{color:#ed9100;}.css-1vhugkq .bg-color-jade img{background-color:#009e73;}.css-1vhugkq .bg-color-jade .wp-block-quote::before{color:#009e73;}.css-1vhugkq .bg-color-peach img{background-color:#ffd2b9;}.css-1vhugkq .bg-color-peach .wp-block-quote::before{color:#ffd2b9;}.css-1vhugkq .bg-color-lavender img{background-color:#dccbff;}.css-1vhugkq .bg-color-lavender .wp-block-quote::before{color:#dccbff;}</style><div class="css-1vhugkq eta8xj40"><p>NEXT Insurance is a one-stop shop for contractor business insurance. We’ll help you get insurance online at an affordable price so you can get back to work, whether you need to quickly lock down a certificate of liability insurance for your next project or get coverage for a new employee.</p> <p>Oh, and you’ll save 10% when you bundle two or more of our policies.</p> </div></div></div><div data-cy="MosaicVideoModuleCTAButton"><a target="_self" href="https://track.nextinsurance.com/links?serial=90010"><style data-emotion="css 17uiwer">.css-17uiwer{cursor:pointer;white-space:nowrap;font-family:Graphik Web,sans-serif;-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;transition-property:color,background-color,border-color,text-decoration-color,fill,stroke,opacity,box-shadow,transform,filter,backdrop-filter;transition-timing-function:linear;transition-duration:150ms;--tw-bg-opacity:1;background-color:rgb(0 117 255 / var(--tw-bg-opacity));--tw-text-opacity:1;color:rgb(255 255 255 / var(--tw-text-opacity));font-size:1rem;line-height:1rem;letter-spacing:0;height:46px;padding-left:35px;padding-right:35px;border-radius:9999px;border-width:1px;--tw-border-opacity:1;border-color:rgb(0 117 255 / var(--tw-border-opacity));}.css-17uiwer:focus{outline:2px solid transparent;outline-offset:2px;}.css-17uiwer:hover{--tw-bg-opacity:1;background-color:rgb(0 215 255 / var(--tw-bg-opacity));}.css-17uiwer:hover{--tw-text-opacity:1;color:rgb(0 0 0 / var(--tw-text-opacity));}@media (min-width: 640px){.css-17uiwer{line-height:1rem;}}@media (min-width: 1024px){.css-17uiwer{font-size:1.25rem;line-height:1rem;}}@media (min-width: 640px){.css-17uiwer{height:40px;padding-left:30px;padding-right:30px;}}@media (min-width: 1024px){.css-17uiwer{height:52px;padding-left:36px;padding-right:36px;}}.css-17uiwer:hover{--tw-border-opacity:1;border-color:rgb(0 215 255 / var(--tw-border-opacity));}</style><button class="group css-17uiwer eb5jaud17"><span>Get Instant Quote</span></button></a></div></div></div></div><div ni-selector="5-cob_word_cloud" style="content-visibility:auto;contain-intrinsic-size:300px" id="cob-word_cloud"><div class="words-container" data-cy-eyes="ignore"><style data-emotion="css ggnqi8">.css-ggnqi8{margin-top:0px;margin-bottom:0px;padding:5.5vw;text-align:center;font-family:GT Alpina,sans-serif;font-size:2.778vw;line-height:115%;letter-spacing:-0.03em;--tw-text-opacity:1;color:rgb(109 110 113 / var(--tw-text-opacity));-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;}@media (max-width: 639px){.css-ggnqi8{width:100%;padding-left:4.267vw;padding-right:4.267vw;padding-bottom:13.333vw;padding-top:21.333vw;font-size:7.467vw;}}@media (min-width: 640px) and (max-width: 1023px){.css-ggnqi8{padding:7.8125vw;font-size:3.646vw;}}@media (min-width: 1920px){.css-ggnqi8{margin-left:auto;margin-right:auto;width:1258px;padding-left:0px;padding-right:0px;font-size:40px;}}</style><div class="css-ggnqi8 e140d9tl3"><style data-emotion="css dli8pr">.css-dli8pr{margin-bottom:2vw;text-align:center;font-family:Graphik Web,sans-serif;font-size:1.389vw;font-weight:600;line-height:140%;letter-spacing:0;--tw-text-opacity:1;color:rgb(35 31 32 / var(--tw-text-opacity));-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;}@media (max-width: 639px){.css-dli8pr{margin-bottom:20px;width:100%;font-size:4.267vw;}}@media (min-width: 640px) and (max-width: 1023px){.css-dli8pr{margin-bottom:30px;font-size:2.083vw;}}@media (min-width: 1920px){.css-dli8pr{font-size:20px;}}</style><h3 class="css-dli8pr e140d9tl2">We specialize in business insurance for contractors</h3><style data-emotion="css 1donln4">.css-1donln4{margin-left:auto;margin-right:auto;margin-bottom:40px;width:40%;text-align:center;font-family:Graphik Web,sans-serif;font-size:1.389vw;line-height:140%;letter-spacing:0;--tw-text-opacity:1;color:rgb(35 31 32 / var(--tw-text-opacity));-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;}@media (max-width: 639px){.css-1donln4{width:100%;font-size:4.267vw;}}@media (min-width: 640px) and (max-width: 1023px){.css-1donln4{width:80%;font-size:2.083vw;}}@media (min-width: 1920px){.css-1donln4{font-size:20px;}}</style><p class="css-1donln4 e140d9tl1">Choose your profession for more information or start an instant quote to get covered fast</p><div><span class="eyes-storybook-ignore"><style data-emotion="css 172z8np">.css-172z8np{cursor:pointer;white-space:nowrap;word-break:break-all;--tw-text-opacity:1;color:rgb(109 110 113 / var(--tw-text-opacity));transition-property:color,background-color,border-color,text-decoration-color,fill,stroke,opacity,box-shadow,transform,filter,backdrop-filter;transition-timing-function:cubic-bezier(0.4, 0, 1, 1);transition-duration:300ms;}.css-172z8np:hover{transition-timing-function:cubic-bezier(0.4, 0, 1, 1);}@media (min-width: 1024px){.css-172z8np{line-height:102%;}}@media (max-width: 639px){.css-172z8np{white-space:normal;overflow-wrap:normal;word-break:normal;}}@media (min-width: 640px) and (max-width: 1023px){.css-172z8np{line-height:130%;}}.css-172z8np:hover{--tw-text-opacity:1;color:rgb(0 215 255 / var(--tw-text-opacity));}</style><a href="https://www.nextinsurance.com/business/appliance-technician-insurance/" color="primaryBlueHover" role="cob" class="css-172z8np e1bcrqdm0">Appliance Technician</a><span>, </span></span><span class="eyes-storybook-ignore"><style data-emotion="css 1ajn548">.css-1ajn548{cursor:pointer;white-space:nowrap;word-break:break-all;--tw-text-opacity:1;color:rgb(109 110 113 / var(--tw-text-opacity));transition-property:color,background-color,border-color,text-decoration-color,fill,stroke,opacity,box-shadow,transform,filter,backdrop-filter;transition-timing-function:cubic-bezier(0.4, 0, 1, 1);transition-duration:300ms;}.css-1ajn548:hover{transition-timing-function:cubic-bezier(0.4, 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1);transition-duration:300ms;}.css-jtxjzd:hover{transition-timing-function:cubic-bezier(0.4, 0, 1, 1);}@media (min-width: 1024px){.css-jtxjzd{line-height:102%;}}@media (max-width: 639px){.css-jtxjzd{white-space:normal;overflow-wrap:normal;word-break:normal;}}@media (min-width: 640px) and (max-width: 1023px){.css-jtxjzd{line-height:130%;}}.css-jtxjzd:hover{--tw-text-opacity:1;color:rgb(220 240 0 / var(--tw-text-opacity));}</style><a href="https://www.nextinsurance.com/business/debris-removal-insurance/" color="nextYellow" role="cob" class="css-jtxjzd e1bcrqdm0">Debris Removal</a><span>, </span></span><span class="eyes-storybook-ignore"><style data-emotion="css w8mc1">.css-w8mc1{cursor:pointer;white-space:nowrap;word-break:break-all;--tw-text-opacity:1;color:rgb(109 110 113 / var(--tw-text-opacity));transition-property:color,background-color,border-color,text-decoration-color,fill,stroke,opacity,box-shadow,transform,filter,backdrop-filter;transition-timing-function:cubic-bezier(0.4, 0, 1, 1);transition-duration:300ms;}.css-w8mc1:hover{transition-timing-function:cubic-bezier(0.4, 0, 1, 1);}@media (min-width: 1024px){.css-w8mc1{line-height:102%;}}@media (max-width: 639px){.css-w8mc1{white-space:normal;overflow-wrap:normal;word-break:normal;}}@media (min-width: 640px) and (max-width: 1023px){.css-w8mc1{line-height:130%;}}.css-w8mc1:hover{--tw-text-opacity:1;color:rgb(0 230 80 / var(--tw-text-opacity));}</style><a href="https://www.nextinsurance.com/business/drywall-contractor-insurance/" color="primaryGreenHover" role="cob" class="css-w8mc1 e1bcrqdm0">Drywall Contractor</a><span>, </span></span><span class="eyes-storybook-ignore"><style data-emotion="css 6bgm4k">.css-6bgm4k{cursor:pointer;white-space:nowrap;word-break:break-all;--tw-text-opacity:1;color:rgb(109 110 113 / 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var(--tw-text-opacity));transition-property:color,background-color,border-color,text-decoration-color,fill,stroke,opacity,box-shadow,transform,filter,backdrop-filter;transition-timing-function:cubic-bezier(0.4, 0, 1, 1);transition-duration:300ms;}.css-12s9q9x:hover{transition-timing-function:cubic-bezier(0.4, 0, 1, 1);}@media (min-width: 1024px){.css-12s9q9x{line-height:102%;}}@media (max-width: 639px){.css-12s9q9x{white-space:normal;overflow-wrap:normal;word-break:normal;}}@media (min-width: 640px) and (max-width: 1023px){.css-12s9q9x{line-height:130%;}}.css-12s9q9x:hover{--tw-text-opacity:1;color:rgb(172 0 231 / var(--tw-text-opacity));}</style><a href="https://www.nextinsurance.com/business/excavation-grading-insurance/" color="violet" role="cob" class="css-12s9q9x e1bcrqdm0">Excavation Contractor</a><span>, </span></span><span class="eyes-storybook-ignore"><style data-emotion="css 1ad9x0z">.css-1ad9x0z{cursor:pointer;white-space:nowrap;word-break:break-all;--tw-text-opacity:1;color:rgb(109 110 113 / var(--tw-text-opacity));transition-property:color,background-color,border-color,text-decoration-color,fill,stroke,opacity,box-shadow,transform,filter,backdrop-filter;transition-timing-function:cubic-bezier(0.4, 0, 1, 1);transition-duration:300ms;}.css-1ad9x0z:hover{transition-timing-function:cubic-bezier(0.4, 0, 1, 1);}@media (min-width: 1024px){.css-1ad9x0z{line-height:102%;}}@media (max-width: 639px){.css-1ad9x0z{white-space:normal;overflow-wrap:normal;word-break:normal;}}@media (min-width: 640px) and (max-width: 1023px){.css-1ad9x0z{line-height:130%;}}.css-1ad9x0z:hover{--tw-text-opacity:1;color:rgb(255 0 71 / var(--tw-text-opacity));}</style><a href="https://www.nextinsurance.com/business/general-contractor-insurance/" color="nextRose" role="cob" class="css-1ad9x0z e1bcrqdm0">General Contractor</a><span>, </span></span><span class="eyes-storybook-ignore"><style data-emotion="css tde266">.css-tde266{cursor:pointer;white-space:nowrap;word-break:break-all;--tw-text-opacity:1;color:rgb(109 110 113 / var(--tw-text-opacity));transition-property:color,background-color,border-color,text-decoration-color,fill,stroke,opacity,box-shadow,transform,filter,backdrop-filter;transition-timing-function:cubic-bezier(0.4, 0, 1, 1);transition-duration:300ms;}.css-tde266:hover{transition-timing-function:cubic-bezier(0.4, 0, 1, 1);}@media (min-width: 1024px){.css-tde266{line-height:102%;}}@media (max-width: 639px){.css-tde266{white-space:normal;overflow-wrap:normal;word-break:normal;}}@media (min-width: 640px) and (max-width: 1023px){.css-tde266{line-height:130%;}}.css-tde266:hover{--tw-text-opacity:1;color:rgb(237 145 0 / var(--tw-text-opacity));}</style><a href="https://www.nextinsurance.com/business/handyman-insurance/" color="primaryTextOrange" role="cob" class="css-tde266 e1bcrqdm0">Handyman</a><span>, </span></span><span class="eyes-storybook-ignore"><style data-emotion="css 7g2nze">.css-7g2nze{cursor:pointer;white-space:nowrap;word-break:break-all;--tw-text-opacity:1;color:rgb(109 110 113 / var(--tw-text-opacity));transition-property:color,background-color,border-color,text-decoration-color,fill,stroke,opacity,box-shadow,transform,filter,backdrop-filter;transition-timing-function:cubic-bezier(0.4, 0, 1, 1);transition-duration:300ms;}.css-7g2nze:hover{transition-timing-function:cubic-bezier(0.4, 0, 1, 1);}@media (min-width: 1024px){.css-7g2nze{line-height:102%;}}@media (max-width: 639px){.css-7g2nze{white-space:normal;overflow-wrap:normal;word-break:normal;}}@media (min-width: 640px) and (max-width: 1023px){.css-7g2nze{line-height:130%;}}.css-7g2nze:hover{--tw-text-opacity:1;color:rgb(0 158 115 / var(--tw-text-opacity));}</style><a href="https://www.nextinsurance.com/business/hvac-insurance/" color="primaryTextGreen" role="cob" class="css-7g2nze e1bcrqdm0">HVAC Contractor</a><span>, </span></span><span class="eyes-storybook-ignore"><a href="https://www.nextinsurance.com/business/home-renovation-contractor-insurance/" color="primaryBlueHover" role="cob" class="css-172z8np e1bcrqdm0">Home Renovation Contractor</a><span>, </span></span><span class="eyes-storybook-ignore"><a href="https://www.nextinsurance.com/business/mason-insurance/" color="nextPink" role="cob" class="css-1ajn548 e1bcrqdm0">Mason</a><span>, </span></span><span class="eyes-storybook-ignore"><a href="https://www.nextinsurance.com/business/insulation-contractor-insurance/" color="orangeRed" role="cob" class="css-yrc0i1 e1bcrqdm0">Insulation Contractor</a><span>, </span></span><span class="eyes-storybook-ignore"><a href="https://www.nextinsurance.com/business/painter-insurance/" color="nextYellow" role="cob" class="css-jtxjzd e1bcrqdm0">Painters</a><span>, </span></span><span class="eyes-storybook-ignore"><a href="https://www.nextinsurance.com/business/paving-asphalt-contractor-insurance/" color="primaryGreenHover" role="cob" class="css-w8mc1 e1bcrqdm0">Paving and Asphalt Contractor</a><span>, </span></span><span class="eyes-storybook-ignore"><a href="https://www.nextinsurance.com/business/plumbers-insurance/" color="primaryBlue" role="cob" class="css-6bgm4k e1bcrqdm0">Plumber</a><span>, </span></span><span class="eyes-storybook-ignore"><a href="https://www.nextinsurance.com/business/roofing-insurance/" color="violet" role="cob" class="css-12s9q9x e1bcrqdm0">Roofing</a><span>, </span></span><span class="eyes-storybook-ignore"><a href="https://www.nextinsurance.com/business/siding-installation-contractor-insurance/" color="nextRose" role="cob" class="css-1ad9x0z e1bcrqdm0">Siding Installation Contractor</a><span>, </span></span><span class="eyes-storybook-ignore"><a href="https://www.nextinsurance.com/business/solar-contractor-insurance/" color="primaryTextOrange" role="cob" class="css-tde266 e1bcrqdm0">Solar Contractor</a><span>, </span></span><span class="eyes-storybook-ignore"><a href="https://www.nextinsurance.com/business/snow-plowing-insurance/" color="primaryTextGreen" role="cob" class="css-7g2nze e1bcrqdm0">Snow Plowing</a><span>, </span></span><span class="eyes-storybook-ignore"><a href="https://www.nextinsurance.com/business/welding-insurance/" color="primaryBlueHover" role="cob" class="css-172z8np e1bcrqdm0">Welding</a><span>, </span></span><span class="eyes-storybook-ignore"><a href="https://www.nextinsurance.com/business/tile-stone-flooring-installer-insurance/" color="nextPink" role="cob" class="css-1ajn548 e1bcrqdm0">Tile, Stone and Flooring Installer</a><span>, </span></span><span class="eyes-storybook-ignore"><a href="https://www.nextinsurance.com/business/paperhanger-insurance/" color="orangeRed" role="cob" class="css-yrc0i1 e1bcrqdm0">Paperhanger</a><span>, </span></span><span class="eyes-storybook-ignore"><a href="https://www.nextinsurance.com/business/fence-installation-contractor/" color="nextYellow" role="cob" class="css-jtxjzd e1bcrqdm0">Fence Installation Contractor</a><span>, </span></span><span class="eyes-storybook-ignore"><a href="https://www.nextinsurance.com/business/lawn-care-insurance/" color="primaryGreenHover" role="cob" class="css-w8mc1 e1bcrqdm0">Lawn Care</a><span>, </span></span><span class="eyes-storybook-ignore"><a href="https://www.nextinsurance.com/business/landscaping-insurance/" color="primaryBlue" role="cob" class="css-6bgm4k e1bcrqdm0">Landscaping</a></span></div><style data-emotion="css 1lpbqsf">.css-1lpbqsf{margin-top:2.222vw;}@media (max-width: 639px){.css-1lpbqsf{margin-top:11.200vw;}}@media (min-width: 640px) and (max-width: 1023px){.css-1lpbqsf{margin-top:3.906vw;}}</style><div class="css-1lpbqsf e140d9tl0"><div><a target="_self" href="/business/"><style data-emotion="css uiex7">.css-uiex7{cursor:pointer;white-space:nowrap;font-family:Graphik 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1gxcrnk">.css-1gxcrnk{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;width:100%;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;padding-top:5vw;text-align:left;--tw-text-opacity:1;color:rgb(35 31 32 / var(--tw-text-opacity));-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;}@media (min-width: 640px){.css-1gxcrnk{width:45.443vw;padding-top:0px;padding-bottom:0px;text-align:left;}}@media (min-width: 1024px){.css-1gxcrnk{width:47.986vw;}}@media (min-width: 1920px){.css-1gxcrnk{width:55%;}}</style><div class="css-1gxcrnk e1ormahl3"><style data-emotion="css yaqsty">.css-yaqsty{margin:0px;font-family:GT Alpina,sans-serif;font-size:7.467vw;font-weight:400;line-height:115%;letter-spacing:-0.03em;--tw-text-opacity:1;color:rgb(35 31 32 / var(--tw-text-opacity));-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;}@media (min-width: 640px){.css-yaqsty{width:100%;font-size:3.646vw;}}@media (min-width: 1024px){.css-yaqsty{font-size:2.778vw;}}@media (min-width: 1920px){.css-yaqsty{font-size:40px;}}</style><h2 role="title" data-cy="MosaicTitle" class="css-yaqsty e1ormahl1">Why do construction contractors need business insurance?</h2><style data-emotion="css 14z516">.css-14z516{margin-top:1em;margin-bottom:1em;font-family:Graphik Web,sans-serif;font-size:4.267vw;font-weight:400;line-height:140%;letter-spacing:0;--tw-text-opacity:1;color:rgb(35 31 32 / var(--tw-text-opacity));-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;}@media (min-width: 640px){.css-14z516{width:100%;font-size:2.083vw;}}@media (min-width: 1024px){.css-14z516{font-size:1.389vw;}}@media (min-width: 1920px){.css-14z516{font-size:20px;}}</style><div role="subtitle" data-cy="MosaicSubtitle" class="css-14z516 e1ormahl0"><div class="css-1vhugkq eta8xj40"><p><a href="/business-insurance/"><strong>Business insurance</strong></a> offers you protection from a wide range of unexpected events and accidents, from an employee falling off a ladder to a crash involving your work truck.</p> <p>As a contractor, you’re almost always required to have insurance, in order to get licenses and to win contracts. Besides, having the right types of insurance for your contracting company means that you don’t have to pay out of pocket if an accident does occur. With the right coverage, you can do your work and focus on the job at hand without worrying about those pesky “what if” scenarios.</p> </div></div><div data-cy="MosaicModuleCTAButton"><a target="_self" href="https://track.nextinsurance.com/links?serial=90010"><button class="group css-17uiwer eb5jaud17"><span>Get Instant Quote</span></button></a></div></div></div></div></div><div ni-selector="7-mosaic_module" style="content-visibility:auto;contain-intrinsic-size:300px" id="7-mosaic"><div data-cy="MosaicModuleContainer" class="css-767h84 e1ormahl5"><style data-emotion="css 14l247s">.css-14l247s{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;width:100%;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;padding:4.267vw;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;-webkit-column-gap:0;column-gap:0;}@media (min-width: 640px){.css-14l247s{-webkit-align-items:flex-start;-webkit-box-align:flex-start;-ms-flex-align:flex-start;align-items:flex-start;padding:7.8vw;}}@media (min-width: 1024px){.css-14l247s{padding:5.5vw;}}@media (min-width: 1920px){.css-14l247s{margin-left:auto;margin-right:auto;width:1700px;padding-top:6rem;padding-bottom:6rem;}}@media (min-width: 640px){.css-14l247s{-webkit-column-gap:7.447vw;column-gap:7.447vw;}}@media (min-width: 1024px){.css-14l247s{-webkit-column-gap:7.889vw;column-gap:7.889vw;}}@media (min-width: 1920px){.css-14l247s{-webkit-column-gap:5%;column-gap:5%;}}@media (min-width: 640px){.css-14l247s{-webkit-flex-direction:row;-ms-flex-direction:row;flex-direction:row;}}</style><div class="css-14l247s e1ormahl4"><div class="css-p0m1bl e1ormahl2"><picture><source srcSet="https://www.nextinsurance.com/wp-content/uploads/2021/08/youre-covered-blue-pink-1.png.webp" type="image/webp"/><img src="https://www.nextinsurance.com/wp-content/uploads/2021/08/youre-covered-blue-pink-1.png" alt="Get business insurance coverage" loading="lazy" fetchpriority="auto"/></picture></div><div class="css-1gxcrnk e1ormahl3"><h2 role="title" data-cy="MosaicTitle" class="css-yaqsty e1ormahl1">How contractors liability insurance protects your business</h2><div role="subtitle" data-cy="MosaicSubtitle" class="css-14z516 e1ormahl0"><div class="css-1vhugkq eta8xj40"><p>Contractor liability insurance can help cover costs if you find yourself in the unfortunate situation of being accused of causing an injury or damaging property at a job site, or if someone says that your work mistake caused financial losses.</p> <p>We combine two types of liability insurance in our business insurance packages:</p> <p><a href="/general-liability-insurance/"><strong>General liability</strong></a> is the basis of solid insurance coverage for contractors. Given how much time most contractors like you spend on property that doesn’t belong to you, it’s probably not hard to imagine that at some point you could cause or be blamed for a ladder scratching a hardwood floor, or for someone tripping on your extension cord and breaking their wrist.</p> <p>Learn more about <a href="/general-liability-insurance/contractors/">General liability for contractors</a>.</p> <p> </p> <p><a href="/errors-and-omissions-insurance/"><strong>Errors and omissions insurance</strong></a><b> </b>(also known as professional liability), covers you for cases where you are accused of not having done your job properly, whether that’s true or not. If someone thinks you didn’t deliver the services you agreed to provide, they can make a claim that it has to be redone. Your coverage will help pay for costs to defend your business or fix the problem.</p> </div></div><div data-cy="MosaicModuleCTAButton"><a target="_self" href="https://track.nextinsurance.com/links?serial=90010"><button class="group css-17uiwer eb5jaud17"><span>Get Instant Quote</span></button></a></div></div></div></div></div><div ni-selector="8-mosaic_module" style="content-visibility:auto;contain-intrinsic-size:300px" id="8-mosaic"><div data-cy="MosaicModuleContainer" class="css-767h84 e1ormahl5"><div class="css-7n0avb e1ormahl4"><div class="css-p0m1bl e1ormahl2"><picture><source srcSet="https://www.nextinsurance.com/wp-content/uploads/2021/06/affordable.png.webp" type="image/webp"/><img src="https://www.nextinsurance.com/wp-content/uploads/2021/06/affordable.png" alt="How much does insurance cost" loading="lazy" fetchpriority="auto"/></picture></div><div class="css-1gxcrnk e1ormahl3"><h2 role="title" data-cy="MosaicTitle" class="css-yaqsty e1ormahl1">How much does contractor insurance cost?</h2><div role="subtitle" data-cy="MosaicSubtitle" class="css-14z516 e1ormahl0"><div class="css-1vhugkq eta8xj40"><p>You can save up to 25% in discounts when you buy contractor insurance with NEXT. The exact amount you pay will depend on:</p> <ul> <li>The types of projects you work on</li> <li>Where your projects are located</li> <li>Your payroll and the kinds of jobs our employees do</li> <li>The number and types of vehicles you use at work</li> </ul> </div></div><div data-cy="MosaicModuleCTAButton"><a target="_self" href="https://track.nextinsurance.com/links?serial=90010"><button class="group css-17uiwer eb5jaud17"><span>Get Instant Quote</span></button></a></div></div></div></div></div><div ni-selector="9-love_next_module" style="content-visibility:auto;contain-intrinsic-size:300px" id="love-next"><style data-emotion="css 7rz52v">.css-7rz52v{--tw-bg-opacity:1;background-color:rgb(255 210 185 / var(--tw-bg-opacity));}</style><div class="css-7rz52v e16e0dun4"><style data-emotion="css nqy23w">.css-nqy23w{box-sizing:border-box;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;width:100%;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;justify-items:center;padding:5.556vw 5.556vw;font-family:GT Alpina,sans-serif;font-size:2.778vw;line-height:115%;letter-spacing:-0.03em;-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;}@media (max-width: 639px){.css-nqy23w{padding:8.533vw 4.267vw;font-size:7.467vw;}}@media (min-width: 640px) and (max-width: 1023px){.css-nqy23w{padding:7.81vw;font-size:3.646vw;}}@media (min-width: 1920px){.css-nqy23w{margin-left:auto;margin-right:auto;width:1700px;padding-left:0px;padding-right:0px;padding-top:80px;padding-bottom:80px;font-size:40px;}}</style><span class="css-nqy23w e16e0dun3"><style data-emotion="css qjp0l5">.css-qjp0l5{margin-bottom:2vw;text-align:center;}@media (max-width: 639px){.css-qjp0l5{margin-bottom:4.267vw;width:100%;}}@media (min-width: 640px) and (max-width: 1023px){.css-qjp0l5{margin-bottom:3.125vw;}}@media (min-width: 1920px){.css-qjp0l5{margin-bottom:1.5rem;}}</style><span class="css-qjp0l5 e16e0dun2"><h2 type="h2-titles-alpina-md" role="title" class="css-83gwoi e3r5m8y3">Business insurance has never been easier</h2></span><style data-emotion="css 1psmyvb">.css-1psmyvb{margin-bottom:1.667vw;text-align:center;font-family:Graphik Web,sans-serif;font-size:4.267vw;font-weight:400;line-height:140%;letter-spacing:0;--tw-text-opacity:1;color:rgb(35 31 32 / var(--tw-text-opacity));}@media (max-width: 639px){.css-1psmyvb{margin-bottom:6.400vw;font-size:4.267vw;}}@media (min-width: 640px) and (max-width: 1023px){.css-1psmyvb{margin-bottom:3.125vw;font-size:2.083vw;}}@media (min-width: 1920px){.css-1psmyvb{margin-bottom:24px;font-size:20px;}}</style><span role="subtitle" class="css-1psmyvb e16e0dun1">Get customized business insurance to protect you and your clients</span><style data-emotion="css 96r2lg">.css-96r2lg{margin-bottom:1.944vw;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;width:100%;-webkit-flex-direction:row;-ms-flex-direction:row;flex-direction:row;-webkit-align-items:stretch;-webkit-box-align:stretch;-ms-flex-align:stretch;align-items:stretch;justify-items:center;-webkit-column-gap:5vw;column-gap:5vw;--tw-text-opacity:1;color:rgb(35 31 32 / var(--tw-text-opacity));}@media (max-width: 639px){.css-96r2lg{margin-bottom:0.8vw;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;-webkit-column-gap:0;column-gap:0;}}@media (min-width: 640px) and (max-width: 1023px){.css-96r2lg{margin-bottom:1.2vw;-webkit-column-gap:3.125vw;column-gap:3.125vw;}}@media (min-width: 1920px){.css-96r2lg{margin-bottom:88px;gap-x:24px;}}</style><div class="css-96r2lg e16e0dun0"><style data-emotion="css 8znd2d">.css-8znd2d{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;width:33%;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;}@media (max-width: 639px){.css-8znd2d{margin-bottom:25px;height:auto;width:80vw;}}@media (min-width: 640px) and (max-width: 1023px){.css-8znd2d{height:auto;width:100%;}}</style><div role="step" class="css-8znd2d e1eatrrb2"><picture><source srcSet="https://www.nextinsurance.com/wp-content/uploads/2021/08/fast-red-yellow.png.webp" type="image/webp"/><img src="https://www.nextinsurance.com/wp-content/uploads/2021/08/fast-red-yellow.png" role="step-image" alt="Business insurance in less than 10 minutes" loading="lazy" fetchpriority="auto"/></picture><style data-emotion="css 1ic5swl">.css-1ic5swl{margin-top:0px;width:80%;text-align:center;font-family:Graphik Web,sans-serif;font-size:4.267vw;font-weight:700;line-height:140%;letter-spacing:0;--tw-text-opacity:1;color:rgb(35 31 32 / var(--tw-text-opacity));-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;}@media (min-width: 640px){.css-1ic5swl{font-size:2.083vw;}}@media (min-width: 1024px){.css-1ic5swl{font-size:1.389vw;}}@media (max-width: 639px){.css-1ic5swl{margin-top:1vw;width:100%;}}@media (min-width: 640px) and (max-width: 1023px){.css-1ic5swl{width:100%;}}@media (min-width: 1920px){.css-1ic5swl{font-size:20px;}}</style><p role="step-text" class="css-1ic5swl e1eatrrb1">Get covered in 10 minutes and you can save up to 25% in discounts</p></div><div role="step" class="css-8znd2d e1eatrrb2"><picture><source srcSet="https://www.nextinsurance.com/wp-content/uploads/2021/08/montlhy-payments-yellow-orange.png.webp" type="image/webp"/><img src="https://www.nextinsurance.com/wp-content/uploads/2021/08/montlhy-payments-yellow-orange.png" role="step-image" alt="Easy monthly payments" loading="lazy" fetchpriority="auto"/></picture><p role="step-text" class="css-1ic5swl e1eatrrb1">Instant proof of insurance and easy monthly payments</p></div><div role="step" class="css-8znd2d e1eatrrb2"><picture><source srcSet="https://www.nextinsurance.com/wp-content/uploads/2021/08/all-on-your-mobile-red-yellow-1.png.webp" type="image/webp"/><img src="https://www.nextinsurance.com/wp-content/uploads/2021/08/all-on-your-mobile-red-yellow-1.png" role="step-image" alt="Get business insurance online" loading="lazy" fetchpriority="auto"/></picture><p role="step-text" class="css-1ic5swl e1eatrrb1">Do it all 100% online or talk to a licensed U.S.-based advisor</p></div></div><div class="tablet:mt-8 tablet:mb-6 mobile:mt-6 mobile:mb-8"><div><a target="_self" href="https://track.nextinsurance.com/links?serial=90010"><button class="group css-17uiwer eb5jaud17"><span>Get Instant Quote</span></button></a></div></div></span></div></div><div ni-selector="10-lobs_coverage" style="content-visibility:auto;contain-intrinsic-size:300px" id="lobs-coverage"><style data-emotion="css 151m6yd">.css-151m6yd{--tw-bg-opacity:1;background-color:rgb(229 254 255 / var(--tw-bg-opacity));}</style><section class="css-151m6yd e1rejo8512"><style data-emotion="css okj8z9">.css-okj8z9{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;-webkit-box-pack:start;-ms-flex-pack:start;-webkit-justify-content:flex-start;justify-content:flex-start;padding-left:13.5416vw;padding-right:13.5416vw;padding-top:5.555555555555555vw;padding-bottom:5.555555555555555vw;}@media (max-width: 639px){.css-okj8z9{padding:4.266666666666667vw;}}@media (min-width: 640px) and (max-width: 1023px){.css-okj8z9{padding:7.8125vw;}}@media (min-width: 1920px){.css-okj8z9{margin-left:auto;margin-right:auto;width:1700px;justify-items:center;padding-left:0.5rem;padding-right:0.5rem;}}</style><section class="css-okj8z9 e1rejo8511"><style data-emotion="css s91ud8">.css-s91ud8{max-width:50.5555vw;}@media (max-width: 639px){.css-s91ud8{max-width:100%;}}@media (min-width: 640px) and (max-width: 1023px){.css-s91ud8{max-width:73.1770833vw;}}@media (min-width: 1920px){.css-s91ud8{margin-bottom:2rem;width:739px;}}</style><div class="css-s91ud8 e1rejo8510"><h2 type="h2-titles-alpina-reg" class="css-83gwoi e3r5m8y3">Other important business insurance coverage for contractors</h2><style data-emotion="css y6dr9f">.css-y6dr9f{font-family:Graphik Web,sans-serif;line-height:140%;letter-spacing:0;--tw-text-opacity:1;color:rgb(35 31 32 / var(--tw-text-opacity));-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;margin-bottom:30px;margin-top:30px;font-size:4.267vw;}@media (min-width: 640px){.css-y6dr9f{font-size:2.083vw;}}@media (min-width: 1024px){.css-y6dr9f{font-size:1.389vw;}}@media (min-width: 1920px){.css-y6dr9f{font-size:20px;}}</style><div class="css-y6dr9f e1rejo859">Liability insurance is a good start to making sure you’re covered but you can also customize your business insurance to protect your employees, your tools and equipment and your vehicles.<!-- --> <style data-emotion="css 117p7y5">.css-117p7y5{margin-top:30px;font-weight:700;}</style><div class="css-117p7y5 e1rejo858">We typically recommend:</div></div></div><div class="css-0 e1rejo857"><style data-emotion="css 8qhn85">.css-8qhn85{margin-bottom:4.444vw;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:row;-ms-flex-direction:row;flex-direction:row;-webkit-column-gap:0;column-gap:0;}@media (min-width: 640px){.css-8qhn85{-webkit-align-items:flex-start;-webkit-box-align:flex-start;-ms-flex-align:flex-start;align-items:flex-start;-webkit-column-gap:5.208vw;column-gap:5.208vw;}}@media (min-width: 1024px){.css-8qhn85{-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;-webkit-column-gap:3.333vw;column-gap:3.333vw;}}@media (max-width: 639px){.css-8qhn85{margin-bottom:12.800vw;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;}}@media (min-width: 640px) and (max-width: 1023px){.css-8qhn85{margin-bottom:6.250vw;}}@media (min-width: 1920px){.css-8qhn85{margin-bottom:64px;-webkit-column-gap:48px;column-gap:48px;}}</style><div role="lob-item" class="css-8qhn85 e1rejo856"><style data-emotion="css ltx5iy">.css-ltx5iy{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;}@media (max-width: 639px){.css-ltx5iy{-webkit-align-items:flex-end;-webkit-box-align:flex-end;-ms-flex-align:flex-end;align-items:flex-end;-webkit-box-pack:start;-ms-flex-pack:start;-webkit-justify-content:flex-start;justify-content:flex-start;}}@media (min-width: 640px) and (max-width: 1023px){.css-ltx5iy{-webkit-align-items:flex-start;-webkit-box-align:flex-start;-ms-flex-align:flex-start;align-items:flex-start;}}</style><div class="css-ltx5iy e1rejo855"><style data-emotion="css 1eaigr6">.css-1eaigr6{height:25.833vw;width:25.833vw;}@media (max-width: 639px){.css-1eaigr6{margin-bottom:2.5rem;height:67.4666666vw;width:67.4666666vw;}}@media (min-width: 640px) and (max-width: 1023px){.css-1eaigr6{height:34.635416vw;width:34.635416vw;}}@media (min-width: 1920px){.css-1eaigr6{height:350px;width:350px;}}</style><div class="css-1eaigr6 e1rejo854"><picture><source media="(max-width: 1023px)" srcSet="https://www.nextinsurance.com/wp-content/uploads/2021/08/lob-workers-comp-black-white-2-768x768.png.webp" type="image/webp"/><source media="(max-width: 1023px)" srcSet="https://www.nextinsurance.com/wp-content/uploads/2021/08/lob-workers-comp-black-white-2-768x768.png"/><source srcSet="https://www.nextinsurance.com/wp-content/uploads/2021/08/lob-workers-comp-black-white-2.png.webp" type="image/webp"/><img src="https://www.nextinsurance.com/wp-content/uploads/2021/08/lob-workers-comp-black-white-2.png" alt="Workers' Compensation Insurance" loading="lazy" fetchpriority="auto"/></picture></div></div><style data-emotion="css x7s9c3">.css-x7s9c3{width:60%;}@media (max-width: 639px){.css-x7s9c3{width:100%;}}@media (min-width: 1920px){.css-x7s9c3{width:60%;}}</style><div class="css-x7s9c3 e1rejo853"><style data-emotion="css en9bnl">.css-en9bnl{font-family:GT Alpina,sans-serif;line-height:115%;letter-spacing:-0.03em;--tw-text-opacity:1;color:rgb(35 31 32 / var(--tw-text-opacity));-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;margin-bottom:30px;font-size:7.467vw;}@media (min-width: 640px){.css-en9bnl{font-size:3.646vw;}}@media (min-width: 1024px){.css-en9bnl{font-size:2.778vw;}}@media (min-width: 1920px){.css-en9bnl{font-size:40px;}}</style><div class="css-en9bnl e1rejo852">Workers’ Compensation for contractors</div><style data-emotion="css 7nyx15">.css-7nyx15{font-family:Graphik Web,sans-serif;line-height:140%;letter-spacing:0;--tw-text-opacity:1;color:rgb(35 31 32 / var(--tw-text-opacity));-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;font-size:4.267vw;}@media (min-width: 640px){.css-7nyx15{font-size:2.083vw;}}@media (min-width: 1024px){.css-7nyx15{font-size:1.389vw;}}@media (min-width: 1920px){.css-7nyx15{font-size:20px;}}</style><div class="css-7nyx15 e1rejo851"><div class="css-1vhugkq eta8xj40"><p>Workplace injuries happen more frequently than you might think, especially in your line of work. <a href="/workers-compensation-insurance/contractors/">Workers’ compensation for contractors</a> makes those situations easier by helping to pay for medical bills for injuries and illnesses that happen to you or your employees while on the job. Workers’ comp can also help to cover lost wages while recuperating from accidentally putting a foot in the way of the nail gun.</p> <p>This coverage is required for businesses with employees in every state except Texas.</p> </div><style data-emotion="css abkzhi">.css-abkzhi{--tw-text-opacity:1;color:rgb(48 123 246 / var(--tw-text-opacity));}@media (min-width: 1920px){.css-abkzhi{font-size:20px;}}</style><a href="/workers-compensation-insurance/" class="block mt-4 css-abkzhi e1rejo850">Learn more about workers’ comp insurance.</a></div></div></div><div role="lob-item" class="css-8qhn85 e1rejo856"><div class="css-ltx5iy e1rejo855"><div class="css-1eaigr6 e1rejo854"><picture><source media="(max-width: 1023px)" srcSet="https://www.nextinsurance.com/wp-content/uploads/2021/08/lob-auto-black-white-2-768x768.png.webp" type="image/webp"/><source media="(max-width: 1023px)" srcSet="https://www.nextinsurance.com/wp-content/uploads/2021/08/lob-auto-black-white-2-768x768.png"/><source srcSet="https://www.nextinsurance.com/wp-content/uploads/2021/08/lob-auto-black-white-2.png.webp" type="image/webp"/><img src="https://www.nextinsurance.com/wp-content/uploads/2021/08/lob-auto-black-white-2.png" alt="Commercial Auto Insurance" loading="lazy" fetchpriority="auto"/></picture></div></div><div class="css-x7s9c3 e1rejo853"><div class="css-en9bnl e1rejo852">Commercial Auto insurance for construction businesses</div><div class="css-7nyx15 e1rejo851"><div class="css-1vhugkq eta8xj40"><p>You’ll need commercial auto insurance in most states if you own work trucks that are titled to your business.</p> <p>You can use a commercial auto policy to insure your personal vehicle if you use that vehicle for your business, but you can’t apply your personal car insurance to your company car. So if you drive your own truck to job sites it probably won’t be covered under your personal car insurance.</p> </div><a href="/commercial-auto-insurance/" class="block mt-4 css-abkzhi e1rejo850">Learn more about commercial auto insurance.</a></div></div></div><div role="lob-item" class="css-8qhn85 e1rejo856"><div class="css-ltx5iy e1rejo855"><div class="css-1eaigr6 e1rejo854"><picture><source media="(max-width: 1023px)" srcSet="https://www.nextinsurance.com/wp-content/uploads/2021/08/lob-tools-equipment-black-white-3-768x768.png.webp" type="image/webp"/><source media="(max-width: 1023px)" srcSet="https://www.nextinsurance.com/wp-content/uploads/2021/08/lob-tools-equipment-black-white-3-768x768.png"/><source srcSet="https://www.nextinsurance.com/wp-content/uploads/2021/08/lob-tools-equipment-black-white-3.png.webp" type="image/webp"/><img src="https://www.nextinsurance.com/wp-content/uploads/2021/08/lob-tools-equipment-black-white-3.png" alt="Tools & Equipment Insurance" loading="lazy" fetchpriority="auto"/></picture></div></div><div class="css-x7s9c3 e1rejo853"><div class="css-en9bnl e1rejo852">Tools & Equipment insurance for contractors</div><div class="css-7nyx15 e1rejo851"><div class="css-1vhugkq eta8xj40"><p>You might consider adding tools and equipment coverage if you frequently work at different locations because it will provide financial protection for your equipment wherever you go. This coverage can be added to your general liability insurance to help cover repair and replacement costs for all your gear, from allen keys to wrenches — and all the compressors in between.</p> </div><a href="/tools-and-equipment-insurance/" class="block mt-4 css-abkzhi e1rejo850">Learn more about tools & equipment insurance.</a></div></div></div></div></section></section></div><div ni-selector="11-reviews_manual" style="content-visibility:auto;contain-intrinsic-size:300px" id="reviews-manual"><style data-emotion="css 1rey6qt">.css-1rey6qt{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;row-gap:1.066vw;padding:4.267vw;}@media (min-width: 640px){.css-1rey6qt{-webkit-flex-direction:row;-ms-flex-direction:row;flex-direction:row;-webkit-align-items:flex-start;-webkit-box-align:flex-start;-ms-flex-align:flex-start;align-items:flex-start;-webkit-column-gap:5.599vw;column-gap:5.599vw;padding:7.813vw;}}@media (min-width: 1024px){.css-1rey6qt{-webkit-column-gap:9.097vw;column-gap:9.097vw;padding:5.556vw;}}@media (min-width: 1920px){.css-1rey6qt{-webkit-box-pack:center;-ms-flex-pack:center;-webkit-justify-content:center;justify-content:center;-webkit-column-gap:9.10%;column-gap:9.10%;padding-top:48px;padding-bottom:48px;}}</style><div data-testid="reviewsManual" class="css-1rey6qt efcqzy67"><div class="w-full flex flex-col space-y-10 items-center justify-center 3xl:w-largeScreenWidth 3xl:mx-auto"><style data-emotion="css u1k1av">.css-u1k1av{margin-left:auto;margin-right:auto;text-align:center;font-family:GT Alpina,sans-serif;font-size:3.75rem;line-height:1;font-weight:400;}</style><h2 data-testid="moduleTitle" class="css-u1k1av e19dazxw1">Customer reviews</h2><div class="w-full flex flex-col lg:flex-row gap-x-10 flex-nowrap"><div class="inline-flex flex-col flex-1 items-center content-center space-y-6 lg:w-1/3 mb-12 lg:mb-0"><div data-cy-eyes="ignore"><img alt="" loading="lazy" width="113" height="113" decoding="async" data-nimg="1" style="color:transparent;background-size:cover;background-position:50% 50%;background-repeat:no-repeat;background-image:url("data:image/svg+xml;charset=utf-8,%3Csvg xmlns='http://www.w3.org/2000/svg' viewBox='0 0 113 113'%3E%3Cfilter id='b' color-interpolation-filters='sRGB'%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3CfeColorMatrix values='1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1' result='s'/%3E%3CfeFlood x='0' y='0' width='100%25' height='100%25'/%3E%3CfeComposite operator='out' in='s'/%3E%3CfeComposite in2='SourceGraphic'/%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3C/filter%3E%3Cimage width='100%25' height='100%25' x='0' y='0' preserveAspectRatio='none' style='filter: url(%23b);' href='/img/Loader.gif'/%3E%3C/svg%3E")" srcSet="/_next/image/?url=https%3A%2F%2Fwww.nextinsurance.com%2Fwp-content%2Fuploads%2F2022%2F11%2Freview-avatar-1.png&w=128&q=75 1x, /_next/image/?url=https%3A%2F%2Fwww.nextinsurance.com%2Fwp-content%2Fuploads%2F2022%2F11%2Freview-avatar-1.png&w=256&q=75 2x" src="/_next/image/?url=https%3A%2F%2Fwww.nextinsurance.com%2Fwp-content%2Fuploads%2F2022%2F11%2Freview-avatar-1.png&w=256&q=75"/></div><div data-testid="textWithQuoteShape" class="w-auto flex flex-col gap-y-0 relative"><svg data-testid="quoteOpen" class="" width="39" height="29" viewBox="0 0 39 29" fill="none" xmlns="http://www.w3.org/2000/svg"><path d="M17.3333 0C6.2451 0 0 6.80088 0 16.9381C0 24.5089 3.44118 29 9.43137 29C13.8922 29 17.0784 25.9204 17.0784 21.6858C17.0784 17.4513 14.2745 14.7566 10.451 14.7566C8.66667 14.7566 7.13725 15.1416 5.60784 15.9115C5.35294 9.36725 9.43137 4.36283 17.3333 4.36283V0ZM39 0C27.9118 0 21.6667 6.80088 21.6667 16.9381C21.6667 24.5089 25.1078 29 31.098 29C35.5588 29 38.7451 25.9204 38.7451 21.6858C38.7451 17.4513 35.9412 14.7566 32.1176 14.7566C30.3333 14.7566 28.8039 15.1416 27.2745 15.9115C27.0196 9.36725 31.098 4.36283 39 4.36283V0Z" fill="#DCF000"></path></svg><span class="mx-1vw w-auto text-center flex flex-col"><div class="font-graphik font-bold text-1.5 mb-2 break-normal">I am so excited</div><div class="font-graphik font-400 text-1.25">I am totally excited about my new insurance for my small business. I am happy that the price was in a range that I can afford, the terms were easy to understand and it was so simple to purchase my first policy. I look forward to doing business with you in the future. </div><div class="font-graphik font-400 text-1.25 mt-6">Curzella J.</div></span></div><div data-testid="reviewStars" class="inline-block content-center"><svg width="26" height="23" viewBox="0 0 26 23" fill="none" class="inline-flex" xmlns="http://www.w3.org/2000/svg" data-testid="star"><defs><linearGradient id="grad-wholeyellow" x1="0%" y1="0%" x2="100%" y2="0%"><stop offset="0%" stop-color="#DCF000" stop-opacity="1"></stop><stop offset="25%" stop-color="#DCF000" stop-opacity="1"></stop><stop offset="25%" stop-color="#DCF000" stop-opacity="1"></stop><stop offset="50%" stop-color="#DCF000" stop-opacity="1"></stop><stop offset="50%" stop-color="#DCF000" stop-opacity="1"></stop><stop offset="75%" stop-color="#DCF000" stop-opacity="1"></stop><stop offset="75%" stop-color="#DCF000" stop-opacity="1"></stop><stop offset="100%" stop-color="#DCF000" stop-opacity="1"></stop></linearGradient></defs><path stroke="#DCF000" 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0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1' result='s'/%3E%3CfeFlood x='0' y='0' width='100%25' height='100%25'/%3E%3CfeComposite operator='out' in='s'/%3E%3CfeComposite in2='SourceGraphic'/%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3C/filter%3E%3Cimage width='100%25' height='100%25' x='0' y='0' preserveAspectRatio='none' style='filter: url(%23b);' href='/img/Loader.gif'/%3E%3C/svg%3E")" srcSet="/_next/image/?url=https%3A%2F%2Fwww.nextinsurance.com%2Fwp-content%2Fuploads%2F2022%2F11%2Freview-avatar-2.png&w=128&q=75 1x, /_next/image/?url=https%3A%2F%2Fwww.nextinsurance.com%2Fwp-content%2Fuploads%2F2022%2F11%2Freview-avatar-2.png&w=256&q=75 2x" src="/_next/image/?url=https%3A%2F%2Fwww.nextinsurance.com%2Fwp-content%2Fuploads%2F2022%2F11%2Freview-avatar-2.png&w=256&q=75"/></div><div data-testid="textWithQuoteShape" class="w-auto flex flex-col gap-y-0 relative"><svg data-testid="quoteOpen" class="" width="39" height="29" viewBox="0 0 39 29" fill="none" xmlns="http://www.w3.org/2000/svg"><path d="M17.3333 0C6.2451 0 0 6.80088 0 16.9381C0 24.5089 3.44118 29 9.43137 29C13.8922 29 17.0784 25.9204 17.0784 21.6858C17.0784 17.4513 14.2745 14.7566 10.451 14.7566C8.66667 14.7566 7.13725 15.1416 5.60784 15.9115C5.35294 9.36725 9.43137 4.36283 17.3333 4.36283V0ZM39 0C27.9118 0 21.6667 6.80088 21.6667 16.9381C21.6667 24.5089 25.1078 29 31.098 29C35.5588 29 38.7451 25.9204 38.7451 21.6858C38.7451 17.4513 35.9412 14.7566 32.1176 14.7566C30.3333 14.7566 28.8039 15.1416 27.2745 15.9115C27.0196 9.36725 31.098 4.36283 39 4.36283V0Z" fill="#DCF000"></path></svg><span class="mx-1vw w-auto text-center flex flex-col"><div class="font-graphik font-bold text-1.5 mb-2 break-normal">Easiest insurance purchase – EVER!</div><div class="font-graphik font-400 text-1.25">I was looking around trying to compare insurance and I am so lucky I found NEXT. I was able to compare levels of coverage, and all the options, without pressure from a salesperson or time limits. I was able to check out prices and it was more coverage for less than the “traditional” company I looked at. </div><div class="font-graphik font-400 text-1.25 mt-6">Michael W.</div></span></div><div data-testid="reviewStars" class="inline-block content-center"><svg width="26" height="23" viewBox="0 0 26 23" fill="none" class="inline-flex" xmlns="http://www.w3.org/2000/svg" data-testid="star"><defs><linearGradient id="grad-wholeyellow" x1="0%" y1="0%" x2="100%" y2="0%"><stop offset="0%" stop-color="#DCF000" stop-opacity="1"></stop><stop offset="25%" stop-color="#DCF000" stop-opacity="1"></stop><stop offset="25%" stop-color="#DCF000" stop-opacity="1"></stop><stop offset="50%" stop-color="#DCF000" stop-opacity="1"></stop><stop offset="50%" stop-color="#DCF000" stop-opacity="1"></stop><stop offset="75%" stop-color="#DCF000" stop-opacity="1"></stop><stop offset="75%" stop-color="#DCF000" stop-opacity="1"></stop><stop offset="100%" stop-color="#DCF000" 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stdDeviation='20'/%3E%3CfeColorMatrix values='1 0 0 0 0 0 1 0 0 0 0 0 1 0 0 0 0 0 100 -1' result='s'/%3E%3CfeFlood x='0' y='0' width='100%25' height='100%25'/%3E%3CfeComposite operator='out' in='s'/%3E%3CfeComposite in2='SourceGraphic'/%3E%3CfeGaussianBlur stdDeviation='20'/%3E%3C/filter%3E%3Cimage width='100%25' height='100%25' x='0' y='0' preserveAspectRatio='none' style='filter: url(%23b);' href='/img/Loader.gif'/%3E%3C/svg%3E")" srcSet="/_next/image/?url=https%3A%2F%2Fwww.nextinsurance.com%2Fwp-content%2Fuploads%2F2022%2F11%2Freview-avatar-3.png&w=128&q=75 1x, /_next/image/?url=https%3A%2F%2Fwww.nextinsurance.com%2Fwp-content%2Fuploads%2F2022%2F11%2Freview-avatar-3.png&w=256&q=75 2x" src="/_next/image/?url=https%3A%2F%2Fwww.nextinsurance.com%2Fwp-content%2Fuploads%2F2022%2F11%2Freview-avatar-3.png&w=256&q=75"/></div><div data-testid="textWithQuoteShape" class="w-auto flex flex-col gap-y-0 relative"><svg data-testid="quoteOpen" class="" width="39" height="29" viewBox="0 0 39 29" fill="none" xmlns="http://www.w3.org/2000/svg"><path d="M17.3333 0C6.2451 0 0 6.80088 0 16.9381C0 24.5089 3.44118 29 9.43137 29C13.8922 29 17.0784 25.9204 17.0784 21.6858C17.0784 17.4513 14.2745 14.7566 10.451 14.7566C8.66667 14.7566 7.13725 15.1416 5.60784 15.9115C5.35294 9.36725 9.43137 4.36283 17.3333 4.36283V0ZM39 0C27.9118 0 21.6667 6.80088 21.6667 16.9381C21.6667 24.5089 25.1078 29 31.098 29C35.5588 29 38.7451 25.9204 38.7451 21.6858C38.7451 17.4513 35.9412 14.7566 32.1176 14.7566C30.3333 14.7566 28.8039 15.1416 27.2745 15.9115C27.0196 9.36725 31.098 4.36283 39 4.36283V0Z" fill="#DCF000"></path></svg><span class="mx-1vw w-auto text-center flex flex-col"><div class="font-graphik font-bold text-1.5 mb-2 break-normal">Happy small business owner!</div><div class="font-graphik font-400 text-1.25">I needed liability insurance for my new small business brick & mortar location. I got the run around from another company, but NEXT provided a competitive insurance quote in a timely manner. I now have the insurance that I need and it was stress-free! </div><div class="font-graphik font-400 text-1.25 mt-6">Nicole E.</div></span></div><div data-testid="reviewStars" class="inline-block content-center"><svg width="26" height="23" viewBox="0 0 26 23" fill="none" class="inline-flex" xmlns="http://www.w3.org/2000/svg" data-testid="star"><defs><linearGradient id="grad-wholeyellow" x1="0%" y1="0%" x2="100%" y2="0%"><stop offset="0%" stop-color="#DCF000" stop-opacity="1"></stop><stop offset="25%" stop-color="#DCF000" stop-opacity="1"></stop><stop offset="25%" stop-color="#DCF000" stop-opacity="1"></stop><stop offset="50%" stop-color="#DCF000" stop-opacity="1"></stop><stop offset="50%" stop-color="#DCF000" stop-opacity="1"></stop><stop offset="75%" stop-color="#DCF000" stop-opacity="1"></stop><stop offset="75%" stop-color="#DCF000" stop-opacity="1"></stop><stop offset="100%" stop-color="#DCF000" stop-opacity="1"></stop></linearGradient></defs><path stroke="#DCF000" 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var(--tw-bg-opacity));padding:6.400vw 6.400vw 6.400vw 8.533vw;font-family:Graphik Web,sans-serif;font-size:4.267vw;font-weight:400;line-height:140%;letter-spacing:0;--tw-text-opacity:1;color:rgb(35 31 32 / var(--tw-text-opacity));-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;transition-property:background-color;transition-timing-function:cubic-bezier(0.4, 0, 0.2, 1);transition-duration:200ms;}.css-tj8q2e:hover{--tw-bg-opacity:1;background-color:rgb(0 230 80 / var(--tw-bg-opacity));}@media (min-width: 640px){.css-tj8q2e{padding:3.125vw 3.125vw 3.125vw 4.167vw;font-size:2.083vw;}}@media (min-width: 1024px){.css-tj8q2e{border-radius:36px;padding:2.778vw;font-size:1.389vw;}}@media (min-width: 1920px){.css-tj8q2e{font-size:20px;}}</style><div role="question-0" data-cy="FAQQuestion-0" class="css-tj8q2e e1n7sr561"><style data-emotion="css fuh4mq">.css-fuh4mq{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-box-pack:justify;-webkit-justify-content:space-between;justify-content:space-between;}@media (min-width: 640px){.css-fuh4mq{margin-right:0.5rem;}}</style><div class="css-fuh4mq e1n7sr563"><style data-emotion="css 1vmveuw">.css-1vmveuw{font-family:GT Alpina,sans-serif;font-size:7.467vw;line-height:115%;letter-spacing:-0.03em;-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;}@media (min-width: 640px){.css-1vmveuw{font-size:3.646vw;}}@media (min-width: 1024px){.css-1vmveuw{font-size:1.944vw;}}@media (min-width: 1920px){.css-1vmveuw{font-size:28px;}}</style><h2 type="h2-titles-alpina-sm" class="w-11/12 css-1vmveuw e3r5m8y3" role="t-0">How can I get a certificate of insurance (COI)?</h2><style data-emotion="css 40h1vz">.css-40h1vz{height:3vw;width:3vw;--tw-rotate:45deg;-webkit-transform:translate(var(--tw-translate-x), var(--tw-translate-y)) rotate(var(--tw-rotate)) skewX(var(--tw-skew-x)) skewY(var(--tw-skew-y)) scaleX(var(--tw-scale-x)) scaleY(var(--tw-scale-y));-moz-transform:translate(var(--tw-translate-x), var(--tw-translate-y)) rotate(var(--tw-rotate)) skewX(var(--tw-skew-x)) skewY(var(--tw-skew-y)) scaleX(var(--tw-scale-x)) scaleY(var(--tw-scale-y));-ms-transform:translate(var(--tw-translate-x), var(--tw-translate-y)) rotate(var(--tw-rotate)) skewX(var(--tw-skew-x)) skewY(var(--tw-skew-y)) scaleX(var(--tw-scale-x)) scaleY(var(--tw-scale-y));transform:translate(var(--tw-translate-x), var(--tw-translate-y)) rotate(var(--tw-rotate)) skewX(var(--tw-skew-x)) skewY(var(--tw-skew-y)) scaleX(var(--tw-scale-x)) scaleY(var(--tw-scale-y));-webkit-align-self:center;-ms-flex-item-align:center;align-self:center;border-width:1px;border-left-width:0px;border-top-width:0px;--tw-border-opacity:1;border-color:rgb(35 31 32 / var(--tw-border-opacity));transition-duration:300ms;--tw-content:'';content:var(--tw-content);}@media (min-width: 640px){.css-40h1vz{height:2vw;width:2vw;}}@media (min-width: 1024px){.css-40h1vz{height:1.389vw;width:1.389vw;}}</style><button aria-expanded="false" aria-label="How can I get a certificate of insurance (COI)?" class="css-40h1vz e1e1z7qj0"></button></div><style data-emotion="css 8ihxmv">.css-8ihxmv{max-height:0px;overflow:hidden;font-family:Graphik Web,sans-serif;font-size:4.267vw;font-weight:400;line-height:140%;letter-spacing:0;--tw-text-opacity:1;color:rgb(35 31 32 / var(--tw-text-opacity));-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;transition-property:max-height,margin-top;transition-timing-function:cubic-bezier(0, 0, 0.2, 1);transition-duration:500ms;}@media (min-width: 640px){.css-8ihxmv{font-size:2.083vw;}}@media (min-width: 1024px){.css-8ihxmv{font-size:1.389vw;}}@media (min-width: 1920px){.css-8ihxmv{font-size:20px;}}</style><div role="c-0" data-cy="questionContent-0" class="css-8ihxmv e1n7sr560"><div class="css-1vhugkq eta8xj40">Once you have a NEXT policy, you’ll have 24/7 access to proof of your insurance (also called a <a href="https://www.nextinsurance.com/certificate-of-insurance/" data-testid="link-with-safety" data-renderer-mark="true">certificate of insurance</a>, or COI) via web or app. Log in to your account, download your COI instantly or deliver it via email or text at no additional cost. Get unlimited certificates and add an <a href="https://www.nextinsurance.com/glossary/additional-insured/">additional insured</a> as you need them.</div></div></div><div role="question-1" data-cy="FAQQuestion-1" class="css-tj8q2e e1n7sr561"><div class="css-fuh4mq e1n7sr563"><h2 type="h2-titles-alpina-sm" class="w-11/12 css-1vmveuw e3r5m8y3" role="t-1">I’m a jack-of-all-trades - what policy do I need?</h2><button aria-expanded="false" aria-label="I’m a jack-of-all-trades - what policy do I need?" class="css-40h1vz e1e1z7qj0"></button></div><div role="c-1" data-cy="questionContent-1" class="css-8ihxmv e1n7sr560"><div class="css-1vhugkq eta8xj40">We have a couple of policies that could be right for a jack or jill of all trades. Our <a href="https://www.nextinsurance.com/business/handyman-insurance/">handyperson</a> policy might be the best fit if you offer minor repair or maintenance services. This policy is limited to small jobs and is not a fit for jobs that might require a license, permit or inspection at any point. If your operations are a little bit larger in scale, or if you have a specialty, we recommend taking a look at our <a href="https://www.nextinsurance.com/business/general-contractor-insurance/">general contractor</a> application, where you will have the opportunity to add coverage from a list of coverable activities. Note: All of our policies require that you have the legally required licenses for the work you’re doing in your state, so be sure to check in to make sure you are compliant.</div></div></div><div role="question-2" data-cy="FAQQuestion-2" class="css-tj8q2e e1n7sr561"><div class="css-fuh4mq e1n7sr563"><h2 type="h2-titles-alpina-sm" class="w-11/12 css-1vmveuw e3r5m8y3" role="t-2">I’m a general contractor, does this insurance allow me to hire subcontractors?</h2><button aria-expanded="false" aria-label="I’m a general contractor, does this insurance allow me to hire subcontractors?" class="css-40h1vz e1e1z7qj0"></button></div><div role="c-2" data-cy="questionContent-2" class="css-8ihxmv e1n7sr560"><div class="css-1vhugkq eta8xj40">Yes. We do require that your subcontractors have the legally required licenses, their own insurance with limits that are equal to or greater than your own, and that they have you named as an additional insured on their policy. You’ll also need to keep this documentation on file for an adjuster to review in case of a claim.</div></div></div><div role="question-3" data-cy="FAQQuestion-3" class="css-tj8q2e e1n7sr561"><div class="css-fuh4mq e1n7sr563"><h2 type="h2-titles-alpina-sm" class="w-11/12 css-1vmveuw e3r5m8y3" role="t-3">Will my policy include coverage for work that I don’t have a license for?</h2><button aria-expanded="false" aria-label="Will my policy include coverage for work that I don’t have a license for?" class="css-40h1vz e1e1z7qj0"></button></div><div role="c-3" data-cy="questionContent-3" class="css-8ihxmv e1n7sr560"><div class="css-1vhugkq eta8xj40">If your state requires a license, we do too. However, in most states where insurance is a requirement to get your license, we do offer the ability to purchase the policy on the condition that you agree to have all the required licenses before working. But it’s important to remember: If you are not operating legally, a claim will likely not be covered. If your state doesn’t require you to have a license for a certain line of work, you are welcome to apply for a policy.</div></div></div><div role="question-4" data-cy="FAQQuestion-4" class="css-tj8q2e e1n7sr561"><div class="css-fuh4mq e1n7sr563"><h2 type="h2-titles-alpina-sm" class="w-11/12 css-1vmveuw e3r5m8y3" role="t-4">How do I change my limits?</h2><button aria-expanded="false" aria-label="How do I change my limits?" class="css-40h1vz e1e1z7qj0"></button></div><div role="c-4" data-cy="questionContent-4" class="css-8ihxmv e1n7sr560"><div class="css-1vhugkq eta8xj40">To update your limits, please follow these instructions: <ol> <li><a href="https://portal.nextinsurance.com/login/authentication">Log in</a> to www.nextinsurance.com using your email or phone number</li> <li>On the homepage of your customer account, click the blue arrow to the right of the policy you'd like to update</li> <li>Select the package that has the limits you want and click "Update plan"</li> <li>Read over the statement, confirm you agree and click "Confirm update"</li> </ol> Your limit change will process immediately, and you'll have instant access to a certificate that reflects your updated limits. In some cases, we may need to process your request. Please email us at support@nextinsurance.com and include a description of the desired limit change and the effective date of the change. In some cases, this may result in a one-time charge for the difference in premiums that may be added to your next monthly payment. Once this is processed, you will receive the appropriate endorsement and confirmation of the one-time charge amount in your email inbox within 7 to 10 business days.</div></div></div></div></div></div></div><div ni-selector="13-coi_module" style="content-visibility:auto;contain-intrinsic-size:300px" id="coi"><style data-emotion="css 13y681u">.css-13y681u{--smImageSize:max(30vw, 310px);--smImageAboveInnerContainer:calc(0.12 * var(--smImageSize));--smImageBelowInnerContainer:calc(0.15 * var(--smImageSize));--smDistanceFromTopImageToCOIContainer:calc(0.05 * var(--smImageSize));--smDistanceFromBottomImageToCOIContainer:calc(0 * var(--smImageSize));--smInnerContainerHeight:calc(var(--smImageSize) - var(--smImageAboveInnerContainer) - var(--smImageBelowInnerContainer));--smPaddingTop:calc(var(--smImageAboveInnerContainer) + var(--smDistanceFromTopImageToCOIContainer));--smPaddingBottom:calc(var(--smImageBelowInnerContainer) + 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class="css-1oejchm e1edndzz6"><style data-emotion="css 19495ma">.css-19495ma{position:static;margin-top:-6vh;display:inline-block;height:100%;width:100%;}@media (min-width: 640px){.css-19495ma{position:absolute;left:var(--smImageLeftPosition);top:var(--smImageTopPosition);margin-top:0px;display:block;height:var(--smImageSize);width:var(--smImageSize);}}@media (min-width: 768px){.css-19495ma{position:absolute;left:var(--mdImageLeftPosition);top:var(--mdImageTopPosition);margin-top:0px;display:block;height:var(--mdImageSize);width:var(--mdImageSize);}}@media (min-width: 1280px){.css-19495ma{position:absolute;left:var(--xlImageLeftPosition);top:var(--xlImageTopPosition);margin-top:0px;display:block;height:var(--xlImageSize);width:var(--xlImageSize);}}@media (min-width: 1920px){.css-19495ma{position:absolute;left:var(--3xlImageLeftPosition);top:var(--3xlImageTopPosition);margin-top:0px;display:block;height:var(--3xlImageSize);width:var(--3xlImageSize);}}</style><div class="css-19495ma e1edndzz5"><picture><source srcSet="https://www.nextinsurance.com/wp-content/uploads/2023/10/phone3.png.webp" type="image/webp"/><img src="https://www.nextinsurance.com/wp-content/uploads/2023/10/phone3.png" role="coiImage" alt="Next Insurance, small business insurance" loading="lazy" fetchpriority="auto"/></picture></div><style data-emotion="css r1fjic">.css-r1fjic{padding-bottom:1rem;}@media (min-width: 640px){.css-r1fjic{height:var(--smInnerContainerHeight);padding-bottom:0px;padding-left:var(--smLeftDistanceFromContent);}}@media (min-width: 768px){.css-r1fjic{height:var(--mdInnerContainerHeight);padding-bottom:0px;padding-left:var(--mdLeftDistanceFromContent);}}@media (min-width: 1280px){.css-r1fjic{height:var(--xlInnerContainerHeight);padding-bottom:0px;padding-left:var(--xlLeftDistanceFromContent);}}@media (min-width: 1920px){.css-r1fjic{margin-left:3vw;height:var(--3xlInnerContainerHeight);padding-bottom:0px;padding-left:var(--3xlLeftDistanceFromContent);}}</style><div class="css-r1fjic e1edndzz4"><style data-emotion="css mla2hv">.css-mla2hv{font-family:GT Alpina,sans-serif;--tw-text-opacity:1;color:rgb(35 31 32 / var(--tw-text-opacity));padding-left:0.5rem;padding-right:0.5rem;text-align:center;font-size:10vw;line-height:11vw;}@media (min-width: 640px){.css-mla2hv{padding-left:0px;padding-right:3vw;padding-top:2vw;text-align:left;font-size:4.5vw;line-height:1;}}@media (min-width: 768px){.css-mla2hv{padding-right:10vw;padding-top:2.5vw;font-size:4.7vw;}}@media (min-width: 1024px){.css-mla2hv{font-size:4.5vw;}}@media (min-width: 1280px){.css-mla2hv{padding-top:3vw;font-size:4.5vw;}}@media (min-width: 1536px){.css-mla2hv{padding-right:15vw;padding-top:3vw;font-size:4.1vw;}}@media (min-width: 1920px){.css-mla2hv{padding-right:70px;padding-top:50px;font-size:80px;}}</style><div role="coiTitle" class="css-mla2hv e1edndzz3">Coverage on-the-go for policyholders</div><style data-emotion="css nu3i23">.css-nu3i23{font-family:Graphik Web,sans-serif;--tw-text-opacity:1;color:rgb(35 31 32 / var(--tw-text-opacity));margin-top:1.5rem;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-box-pack:center;-ms-flex-pack:center;-webkit-justify-content:center;justify-content:center;text-align:center;font-size:4vw;line-height:5vw;}@media (min-width: 640px){.css-nu3i23{margin-top:3vw;-webkit-flex:none;-ms-flex:none;flex:none;padding-right:13vw;text-align:left;font-size:1.9vw;line-height:1;}}@media (min-width: 768px){.css-nu3i23{margin-top:2vw;font-size:1.8vw;}}@media (min-width: 1280px){.css-nu3i23{margin-top:2vw;padding-right:15vw;font-size:2vw;}}@media (min-width: 1536px){.css-nu3i23{margin-top:2vw;padding-right:20vw;font-size:1.7vw;}}@media (min-width: 1920px){.css-nu3i23{margin-top:30px;padding-right:90px;font-size:35px;}}</style><div class="css-nu3i23 e1edndzz2"><style data-emotion="css 1mi85kb">.css-1mi85kb{width:75%;}@media (min-width: 640px){.css-1mi85kb{width:100%;}}</style><div role="coiSubtitle" class="css-1mi85kb e1edndzz1">Manage your policies, send and create certificates of insurance, or file a claim with our app.</div></div><style data-emotion="css 5ivtmu">.css-5ivtmu{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-box-pack:center;-ms-flex-pack:center;-webkit-justify-content:center;justify-content:center;padding-left:0.5rem;padding-right:0.5rem;padding-top:1.25rem;}@media (min-width: 640px){.css-5ivtmu{margin-right:1vw;margin-top:2.5vw;width:35vw;-webkit-box-pack:start;-ms-flex-pack:start;-webkit-justify-content:flex-start;justify-content:flex-start;padding-left:0px;padding-right:0px;padding-top:0px;}}@media (min-width: 768px){.css-5ivtmu{margin-top:2.3vw;width:30vw;}}@media (min-width: 1024px){.css-5ivtmu{margin-top:3vw;}}@media (min-width: 1280px){.css-5ivtmu{margin-top:3vw;width:30vw;}}@media (min-width: 1536px){.css-5ivtmu{margin-top:3vw;width:25vw;}}@media (min-width: 1920px){.css-5ivtmu{margin-top:60px;width:500px;}}</style><div class="css-5ivtmu e1edndzz0"><style data-emotion="css gqfhor">.css-gqfhor{-webkit-flex-direction:row;-ms-flex-direction:row;flex-direction:row;-webkit-column-gap:1rem;column-gap:1rem;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;}@media (min-width: 640px){.css-gqfhor{-webkit-flex-direction:row;-ms-flex-direction:row;flex-direction:row;-webkit-column-gap:1rem;column-gap:1rem;row-gap:0px;}}</style><div class="css-gqfhor efb2vk0"><a data-cy="appleStoreLink" href="https://apps.apple.com/us/app/next-insurance/id1580721755"><picture><img src="https://www.nextinsurance.com/wp-content/uploads/2023/11/AppStore.svg" alt="Download from app store" class="tablet:h-12" loading="lazy" fetchpriority="auto"/></picture></a><a data-cy="googlePlayLink" href="https://play.google.com/store/apps/details?id=com.nextinsurance"><picture><img src="https://www.nextinsurance.com/wp-content/uploads/2023/11/GooglePlay.svg" alt="Download from google play" class="tablet:h-12" loading="lazy" fetchpriority="auto"/></picture></a></div></div></div></div></div></div></div></div></div><div ni-selector="14-related_posts_module" style="content-visibility:auto;contain-intrinsic-size:300px" id="related-posts"><style data-emotion="css 1w61t2e">.css-1w61t2e{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;-webkit-align-items:center;-webkit-box-align:center;-ms-flex-align:center;align-items:center;row-gap:1.667vw;padding-left:5.556vw;padding-right:5.556vw;padding-top:5.556vw;padding-bottom:5.556vw;}@media (max-width: 639px){.css-1w61t2e{row-gap:8vw;padding-left:4.267vw;padding-right:4.267vw;padding-top:8.533vw;padding-bottom:8.533vw;}}@media (min-width: 640px) and (max-width: 1023px){.css-1w61t2e{row-gap:3.125vw;padding-left:7vw;padding-right:7vw;padding-top:7.813vw;padding-bottom:7.813vw;}}</style><div role="relatedPosts" data-cy="RelatedPostsContainer" class="css-1w61t2e ej6fo9r2"><style data-emotion="css 1be63qv">.css-1be63qv{font-family:GT Alpina,sans-serif;letter-spacing:-0.03em;--tw-text-opacity:1;color:rgb(35 31 32 / var(--tw-text-opacity));-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;font-size:2.375em;line-height:115%;text-align:center;}@media (min-width: 640px){.css-1be63qv{font-size:1.875em;}}@media (min-width: 1024px){.css-1be63qv{font-size:2.778vw;}}@media (min-width: 1920px){.css-1be63qv{font-size:40px;}}</style><div role="relatedPostsModuleTitle" class="css-1be63qv es2lzbs0">Take a look at some helpful blog posts</div><style data-emotion="css outk0k">.css-outk0k{display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;-webkit-box-flex-wrap:wrap;-webkit-flex-wrap:wrap;-ms-flex-wrap:wrap;flex-wrap:wrap;}@media (min-width: 640px){.css-outk0k{-webkit-flex-direction:row;-ms-flex-direction:row;flex-direction:row;}}@media (max-width: 639px){.css-outk0k{row-gap:3rem;}}</style><div role="relatedPostsContainer" class="css-outk0k ej6fo9r1"><style data-emotion="css 1ezscm5">.css-1ezscm5{margin-left:auto;margin-right:auto;display:-webkit-box;display:-webkit-flex;display:-ms-flexbox;display:flex;width:100%;min-width:28vw;max-width:100%;-webkit-flex-direction:column;-ms-flex-direction:column;flex-direction:column;row-gap:0.75rem;border-radius:0.75rem;padding:1.667vw;--tw-bg-opacity:1;background-color:rgb(255 255 255 / var(--tw-bg-opacity));}@media (min-width: 640px){.css-1ezscm5{width:50%;}}@media (min-width: 1024px){.css-1ezscm5{width:32%;}}@media (max-width: 639px){.css-1ezscm5{padding:4.267vw;}}@media (min-width: 640px) and (max-width: 1023px){.css-1ezscm5{padding:3.125vw;}}@media (min-width: 1920px){.css-1ezscm5{padding:24px;}}.css-1ezscm5:hover{--tw-bg-opacity:1;background-color:rgb(148 250 255 / var(--tw-bg-opacity));}</style><a href="https://www.nextinsurance.com/blog/certificate-of-insurance-for-contractors" role="relatedPosts" class="css-1ezscm5 e1ebeguv18"><picture><source srcSet="https://www.nextinsurance.com/wp-content/uploads/2022/07/contractor-certificate-of-insurance-645x360.png.webp" type="image/webp"/><img src="https://www.nextinsurance.com/wp-content/uploads/2022/07/contractor-certificate-of-insurance-645x360.png" alt="Why every contractor needs a certificate of insurance" class="w-full h-auto" loading="lazy" fetchpriority="auto"/></picture><style data-emotion="css d88myq">.css-d88myq{font-family:Graphik Web,sans-serif;font-size:0.875em;line-height:16.1px;letter-spacing:-0.025em;--tw-text-opacity:1;color:rgb(35 31 32 / var(--tw-text-opacity));-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;}</style><div class="css-d88myq e1ebeguv8">Grow</div><style data-emotion="css gczffa">.css-gczffa{--tw-text-opacity:1;color:rgb(0 117 255 / var(--tw-text-opacity));}</style><span class="css-gczffa e1ebeguv14">NEW</span><style data-emotion="css 1j6b9uz">.css-1j6b9uz{font-family:Graphik Web,sans-serif;font-size:4.267vw;font-weight:700;line-height:140%;letter-spacing:0;--tw-text-opacity:1;color:rgb(35 31 32 / var(--tw-text-opacity));-webkit-font-smoothing:antialiased;-moz-osx-font-smoothing:grayscale;}@media (min-width: 640px){.css-1j6b9uz{font-size:2.083vw;}}@media (min-width: 1024px){.css-1j6b9uz{font-size:1.389vw;}}@media (min-width: 1920px){.css-1j6b9uz{font-size:20px;}}</style><p class="css-1j6b9uz e1ebeguv13">Why every contractor needs a certificate of insurance</p></a><a href="https://www.nextinsurance.com/blog/general-contractor-license-requirements" role="relatedPosts" class="css-1ezscm5 e1ebeguv18"><picture><source srcSet="https://www.nextinsurance.com/wp-content/uploads/2021/01/new-blog-images-7-645x360.jpg.webp" type="image/webp"/><img src="https://www.nextinsurance.com/wp-content/uploads/2021/01/new-blog-images-7-645x360.jpg" alt="General contractor license requirements by state: NEXT Insurance guide" class="w-full h-auto" loading="lazy" fetchpriority="auto"/></picture><div class="css-d88myq e1ebeguv8">Start</div><span class="css-gczffa e1ebeguv14">NEW</span><p class="css-1j6b9uz e1ebeguv13">General contractor license requirements by state: NEXT Insurance guide</p></a><a href="https://www.nextinsurance.com/blog/perkins-builder-brothers-hiring-training-tips" role="relatedPosts" class="css-1ezscm5 e1ebeguv18"><picture><source srcSet="https://www.nextinsurance.com/wp-content/uploads/2022/09/perkins-builder-brothers-hiring-retaining-employees-645x360.jpg.webp" type="image/webp"/><img src="https://www.nextinsurance.com/wp-content/uploads/2022/09/perkins-builder-brothers-hiring-retaining-employees-645x360.jpg" alt="Perkins Builder Brothers tips for hiring, training and keeping construction employees" class="w-full h-auto" loading="lazy" fetchpriority="auto"/></picture><div class="css-d88myq e1ebeguv8">Grow</div><span class="css-gczffa e1ebeguv14">NEW</span><p class="css-1j6b9uz e1ebeguv13">Perkins Builder Brothers tips for hiring, training and keeping construction employees</p></a></div></div></div><div ni-selector="15-disclaimer_module" style="content-visibility:auto;contain-intrinsic-size:300px" id="disclaimer"><style data-emotion="css adcvg6">.css-adcvg6{margin:auto;-webkit-align-self:auto;-ms-flex-item-align:auto;align-self:auto;overflow-wrap:break-word;padding:30px;}@media (min-width: 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involving your work truck.\u003c/p\u003e\n\u003cp\u003eAs a contractor, you’re almost always required to have insurance, in order to get licenses and to win contracts. Besides, having the right types of insurance for your contracting company means that you don’t have to pay out of pocket if an accident does occur. With the right coverage, you can do your work and focus on the job at hand without worrying about those pesky “what if” scenarios.\u003c/p\u003e\n","bgColor":"sky_25","display_cta_button":true,"ctaButton":{"ctaButton":{"title":"Get Instant Quote","url":"https://track.nextinsurance.com/links?serial=90010","buttonBgColor":"Blue","enable_arrow":false,"isScroll":false,"NISelectorScrollTo":""}},"image_content_ratio":"one_to_one","title_size":"normal","ABTestOptions":{"allowComponentABTest":false,"variantNames":[{"variantName":"c_feb2023_cob_cat_contractor_cta_instant_quote"}],"isControl":true}},{"acf_fc_layout":"mosaic_module","displayModule":true,"mosaic_image":"https://www.nextinsurance.com/wp-content/uploads/2021/08/youre-covered-blue-pink-1.png","mosaic_image_alt":"Get business insurance coverage","mosaic_image_position":"left","mosaic_title":"How contractors liability insurance protects your business","mosaic_subtitle":"\u003cp\u003eContractor liability insurance can help cover costs if you find yourself in the unfortunate situation of being accused of causing an injury or damaging property at a job site, or if someone says that your work mistake caused financial losses.\u003c/p\u003e\n\u003cp\u003eWe combine two types of liability insurance in our business insurance packages:\u003c/p\u003e\n\u003cp\u003e\u003ca href=\"/general-liability-insurance/\"\u003e\u003cstrong\u003eGeneral liability\u003c/strong\u003e\u003c/a\u003e is the basis of solid insurance coverage for contractors. Given how much time most contractors like you spend on property that doesn’t belong to you, it’s probably not hard to imagine that at some point you could cause or be blamed for a ladder scratching a hardwood floor, or for someone tripping on your extension cord and breaking their wrist.\u003c/p\u003e\n\u003cp\u003eLearn more about \u003ca href=\"/general-liability-insurance/contractors/\"\u003eGeneral liability for contractors\u003c/a\u003e.\u003c/p\u003e\n\u003cp\u003e\u0026nbsp;\u003c/p\u003e\n\u003cp\u003e\u003ca href=\"/errors-and-omissions-insurance/\"\u003e\u003cstrong\u003eErrors and omissions insurance\u003c/strong\u003e\u003c/a\u003e\u003cb\u003e \u003c/b\u003e(also known as professional liability), covers you for cases where you are accused of not having done your job properly, whether that’s true or not. If someone thinks you didn’t deliver the services you agreed to provide, they can make a claim that it has to be redone. Your coverage will help pay for costs to defend your business or fix the problem.\u003c/p\u003e\n","bgColor":"sky_25","display_cta_button":true,"ctaButton":{"ctaButton":{"title":"Get Instant Quote","url":"https://track.nextinsurance.com/links?serial=90010","buttonBgColor":"Blue","enable_arrow":false,"isScroll":false,"NISelectorScrollTo":""}},"image_content_ratio":"one_to_one","title_size":"normal","ABTestOptions":{"allowComponentABTest":false,"variantNames":false,"isControl":false}},{"acf_fc_layout":"mosaic_module","displayModule":true,"mosaic_image":"https://www.nextinsurance.com/wp-content/uploads/2021/06/affordable.png","mosaic_image_alt":"How much does insurance cost","mosaic_image_position":"right","mosaic_title":"How much does contractor insurance cost?","mosaic_subtitle":"\u003cp\u003eYou can save up to 25% in discounts when you buy contractor insurance with NEXT. 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Compensation for contractors","lob_content":"\u003cp\u003eWorkplace injuries happen more frequently than you might think, especially in your line of work. \u003ca href=\"/workers-compensation-insurance/contractors/\"\u003eWorkers’ compensation for contractors\u003c/a\u003e makes those situations easier by helping to pay for medical bills for injuries and illnesses that happen to you or your employees while on the job. Workers’ comp can also help to cover lost wages while recuperating from accidentally putting a foot in the way of the nail gun.\u003c/p\u003e\n\u003cp\u003eThis coverage is required for businesses with employees in every state except Texas.\u003c/p\u003e\n","lob_link":{"lob_link_sentence":"Learn more about workers’ comp insurance.","lob_link":"workers-compensation-insurance/"}},"commercial_auto":{"lob_image":{"ID":110227269,"id":110227269,"title":"lob-auto-black-white","filename":"lob-auto-black-white-2.png","filesize":95733,"url":"https://www.nextinsurance.com/wp-content/uploads/2021/08/lob-auto-black-white-2.png","link":"https://www.nextinsurance.com/commercial-auto-insurance/lob-auto-black-white-3/","alt":"Commercial Auto Insurance","author":"128","description":"","caption":"","name":"lob-auto-black-white-3","status":"inherit","uploaded_to":11146757,"date":"2021-08-27 08:01:55","modified":"2022-04-20 22:41:35","menu_order":0,"mime_type":"image/png","type":"image","subtype":"png","icon":"https://www.nextinsurance.com/wp-includes/images/media/default.png","width":1440,"height":1440,"sizes":{"thumbnail":"https://www.nextinsurance.com/wp-content/uploads/2021/08/lob-auto-black-white-2-150x150.png","thumbnail-width":150,"thumbnail-height":150,"medium":"https://www.nextinsurance.com/wp-content/uploads/2021/08/lob-auto-black-white-2-300x300.png","medium-width":300,"medium-height":300,"medium_large":"https://www.nextinsurance.com/wp-content/uploads/2021/08/lob-auto-black-white-2-768x768.png","medium_large-width":768,"medium_large-height":768,"large":"https://www.nextinsurance.com/wp-content/uploads/2021/08/lob-auto-black-white-2-1024x1024.png","large-width":1024,"large-height":1024,"1536x1536":"https://www.nextinsurance.com/wp-content/uploads/2021/08/lob-auto-black-white-2.png","1536x1536-width":1440,"1536x1536-height":1440,"2048x2048":"https://www.nextinsurance.com/wp-content/uploads/2021/08/lob-auto-black-white-2.png","2048x2048-width":1440,"2048x2048-height":1440,"popularposts":"https://www.nextinsurance.com/wp-content/uploads/2021/08/lob-auto-black-white-2-380x240.png","popularposts-width":380,"popularposts-height":240,"blogpostemail":"https://www.nextinsurance.com/wp-content/uploads/2021/08/lob-auto-black-white-2-300x300.png","blogpostemail-width":300,"blogpostemail-height":300,"blogrollbig":"https://www.nextinsurance.com/wp-content/uploads/2021/08/lob-auto-black-white-2-588x380.png","blogrollbig-width":588,"blogrollbig-height":380,"FacebookBig":"https://www.nextinsurance.com/wp-content/uploads/2021/08/lob-auto-black-white-2-1200x630.png","FacebookBig-width":1200,"FacebookBig-height":630,"FacebookSmall":"https://www.nextinsurance.com/wp-content/uploads/2021/08/lob-auto-black-white-2-484x252.png","FacebookSmall-width":484,"FacebookSmall-height":252,"spotlight":"https://www.nextinsurance.com/wp-content/uploads/2021/08/lob-auto-black-white-2-640x455.png","spotlight-width":640,"spotlight-height":455,"archiveBlogroll":"https://www.nextinsurance.com/wp-content/uploads/2021/08/lob-auto-black-white-2-645x360.png","archiveBlogroll-width":645,"archiveBlogroll-height":360,"archiveBlogrollMobile":"https://www.nextinsurance.com/wp-content/uploads/2021/08/lob-auto-black-white-2-315x176.png","archiveBlogrollMobile-width":315,"archiveBlogrollMobile-height":176,"singleBlogImage":"https://www.nextinsurance.com/wp-content/uploads/2021/08/lob-auto-black-white-2-802x454.png","singleBlogImage-width":802,"singleBlogImage-height":454,"blogCategoryHeroDesktop":"https://www.nextinsurance.com/wp-content/uploads/2021/08/lob-auto-black-white-2-1440x335.png","blogCategoryHeroDesktop-width":1440,"blogCategoryHeroDesktop-height":335,"blogCategoryHeroTablet":"https://www.nextinsurance.com/wp-content/uploads/2021/08/lob-auto-black-white-2-768x134.png","blogCategoryHeroTablet-width":768,"blogCategoryHeroTablet-height":134,"blogCategoryHeroMobile":"https://www.nextinsurance.com/wp-content/uploads/2021/08/lob-auto-black-white-2-360x120.png","blogCategoryHeroMobile-width":360,"blogCategoryHeroMobile-height":120}},"lob_title":"Commercial Auto insurance for construction businesses","lob_content":"\u003cp\u003eYou’ll need commercial auto insurance in most states if you own work trucks that are titled to your business.\u003c/p\u003e\n\u003cp\u003eYou can use a commercial auto policy to insure your personal vehicle if you use that vehicle for your business, but you can’t apply your personal car insurance to your company car. So if you drive your own truck to job sites it probably won’t be covered under your personal car insurance.\u003c/p\u003e\n","lob_link":{"lob_link_sentence":"Learn more about commercial auto insurance.","lob_link":"commercial-auto-insurance/"}},"tools_and_equipment":{"lob_image":{"ID":110227273,"id":110227273,"title":"lob-tools-equipment-black-white","filename":"lob-tools-equipment-black-white-3.png","filesize":139191,"url":"https://www.nextinsurance.com/wp-content/uploads/2021/08/lob-tools-equipment-black-white-3.png","link":"https://www.nextinsurance.com/tools-and-equipment-insurance/lob-tools-equipment-black-white-4/","alt":"Tools \u0026 Equipment Insurance","author":"128","description":"","caption":"","name":"lob-tools-equipment-black-white-4","status":"inherit","uploaded_to":11146816,"date":"2021-08-27 08:10:30","modified":"2022-04-20 22:42:55","menu_order":0,"mime_type":"image/png","type":"image","subtype":"png","icon":"https://www.nextinsurance.com/wp-includes/images/media/default.png","width":1440,"height":1440,"sizes":{"thumbnail":"https://www.nextinsurance.com/wp-content/uploads/2021/08/lob-tools-equipment-black-white-3-150x150.png","thumbnail-width":150,"thumbnail-height":150,"medium":"https://www.nextinsurance.com/wp-content/uploads/2021/08/lob-tools-equipment-black-white-3-300x300.png","medium-width":300,"medium-height":300,"medium_large":"https://www.nextinsurance.com/wp-content/uploads/2021/08/lob-tools-equipment-black-white-3-768x768.png","medium_large-width":768,"medium_large-height":768,"large":"https://www.nextinsurance.com/wp-content/uploads/2021/08/lob-tools-equipment-black-white-3-1024x1024.png","large-width":1024,"large-height":1024,"1536x1536":"https://www.nextinsurance.com/wp-content/uploads/2021/08/lob-tools-equipment-black-white-3.png","1536x1536-width":1440,"1536x1536-height":1440,"2048x2048":"https://www.nextinsurance.com/wp-content/uploads/2021/08/lob-tools-equipment-black-white-3.png","2048x2048-width":1440,"2048x2048-height":1440,"popularposts":"https://www.nextinsurance.com/wp-content/uploads/2021/08/lob-tools-equipment-black-white-3-380x240.png","popularposts-width":380,"popularposts-height":240,"blogpostemail":"https://www.nextinsurance.com/wp-content/uploads/2021/08/lob-tools-equipment-black-white-3-300x300.png","blogpostemail-width":300,"blogpostemail-height":300,"blogrollbig":"https://www.nextinsurance.com/wp-content/uploads/2021/08/lob-tools-equipment-black-white-3-588x380.png","blogrollbig-width":588,"blogrollbig-height":380,"FacebookBig":"https://www.nextinsurance.com/wp-content/uploads/2021/08/lob-tools-equipment-black-white-3-1200x630.png","FacebookBig-width":1200,"FacebookBig-height":630,"FacebookSmall":"https://www.nextinsurance.com/wp-content/uploads/2021/08/lob-tools-equipment-black-white-3-484x252.png","FacebookSmall-width":484,"FacebookSmall-height":252,"spotlight":"https://www.nextinsurance.com/wp-content/uploads/2021/08/lob-tools-equipment-black-white-3-640x455.png","spotlight-width":640,"spotlight-height":455,"archiveBlogroll":"https://www.nextinsurance.com/wp-content/uploads/2021/08/lob-tools-equipment-black-white-3-645x360.png","archiveBlogroll-width":645,"archiveBlogroll-height":360,"archiveBlogrollMobile":"https://www.nextinsurance.com/wp-content/uploads/2021/08/lob-tools-equipment-black-white-3-315x176.png","archiveBlogrollMobile-width":315,"archiveBlogrollMobile-height":176,"singleBlogImage":"https://www.nextinsurance.com/wp-content/uploads/2021/08/lob-tools-equipment-black-white-3-802x454.png","singleBlogImage-width":802,"singleBlogImage-height":454,"blogCategoryHeroDesktop":"https://www.nextinsurance.com/wp-content/uploads/2021/08/lob-tools-equipment-black-white-3-1440x335.png","blogCategoryHeroDesktop-width":1440,"blogCategoryHeroDesktop-height":335,"blogCategoryHeroTablet":"https://www.nextinsurance.com/wp-content/uploads/2021/08/lob-tools-equipment-black-white-3-768x134.png","blogCategoryHeroTablet-width":768,"blogCategoryHeroTablet-height":134,"blogCategoryHeroMobile":"https://www.nextinsurance.com/wp-content/uploads/2021/08/lob-tools-equipment-black-white-3-360x120.png","blogCategoryHeroMobile-width":360,"blogCategoryHeroMobile-height":120}},"lob_title":"Tools \u0026 Equipment insurance for contractors","lob_content":"\u003cp\u003eYou might consider adding tools and equipment coverage if you frequently work at different locations because it will provide financial protection for your equipment wherever you go. This coverage can be added to your general liability insurance to help cover repair and replacement costs for all your gear, from allen keys to wrenches — and all the compressors in between.\u003c/p\u003e\n","lob_link":{"lob_link_sentence":"Learn more about tools \u0026 equipment insurance.","lob_link":"tools-and-equipment-insurance/"}},"commercial_property":{"lob_image":false,"lob_title":"Commercial Property insurance for restaurants","lob_content":"","lob_link":{"lob_link_sentence":"Learn more about commercial property insurance.","lob_link":"commercial-property-insurance"}},"errors_and_omissions":{"lob_image":false,"lob_title":"Commercial Property insurance for restaurants","lob_content":"","lob_link":{"lob_link_sentence":"Learn more about commercial property insurance.","lob_link":"commercial-property-insurance"}},"business_owners_policy":{"lob_image":false,"lob_title":"Commercial Property insurance for restaurants","lob_content":"\u003cp\u003eRestaurant owners can buy property insurance to help protect business equipment, inventory, furniture and the commercial structures they own. \u003c/p\u003e\n\u003cp\u003eProperty insurance can help cover costs if your business property is damaged due to a covered event, such as a burst water pipe or fire.\u003c/p\u003e\n\u003cp\u003eIt can also help to replace inventory, such as spoiled food after a power outage.\u003c/p\u003e\n","lob_link":{"lob_link_sentence":"Learn more about commercial property insurance.","lob_link":"commercial-property-insurance"}},"hired_non_owned_auto":{"lob_image":false,"lob_title":"","lob_content":"","lob_link":{"lob_link_sentence":"Learn more about Business Owner’s Policy (BOP)","lob_link":"business-owners-policy"}},"liquor_liability":{"lob_image":false,"lob_title":"","lob_content":"","lob_link":{"lob_link_sentence":"Learn more about Business Owner’s Policy (BOP)","lob_link":"business-owners-policy"}},"product_liability":{"lob_image":false,"lob_title":"","lob_content":"","lob_link":{"lob_link_sentence":"Learn more about Business Owner’s Policy (BOP)","lob_link":"business-owners-policy"}},"employment_practices_liability_insurance":{"lob_image":false,"lob_title":"","lob_content":"","lob_link":{"lob_link_sentence":"Learn more about Business Owner’s Policy (BOP)","lob_link":"business-owners-policy"}},"ABTestOptions":{"allowComponentABTest":false,"variantNames":false,"isControl":false}},{"acf_fc_layout":"reviews_manual","displayModule":true,"bgColor":"white","reviews_manual_highlight_color_bgColor_bgColor":"yellow","reviews_manual_title":"Customer reviews","reviews_manual_subtitle":"","reviews_manual_reviews":[{"reviews_manual_reviews_image":"https://www.nextinsurance.com/wp-content/uploads/2022/11/review-avatar-1.png","review_manual_review_text":{"review_manual_review_text_title":"I am so excited","review_manual_review_text_content":"I am totally excited about my new insurance for my small business. I am happy that the price was in a range that I can afford, the terms were easy to understand and it was so simple to purchase my first policy. I look forward to doing business with you in the future.\r\n","review_manual_review_text_name":"Curzella J."},"review_manual_review_rating":"5"},{"reviews_manual_reviews_image":"https://www.nextinsurance.com/wp-content/uploads/2022/11/review-avatar-2.png","review_manual_review_text":{"review_manual_review_text_title":"Easiest insurance purchase – EVER!","review_manual_review_text_content":"I was looking around trying to compare insurance and I am so lucky I found NEXT. I was able to compare levels of coverage, and all the options, without pressure from a salesperson or time limits. I was able to check out prices and it was more coverage for less than the “traditional” company I looked at.\r\n","review_manual_review_text_name":"Michael W."},"review_manual_review_rating":"5"},{"reviews_manual_reviews_image":"https://www.nextinsurance.com/wp-content/uploads/2022/11/review-avatar-3.png","review_manual_review_text":{"review_manual_review_text_title":"Happy small business owner!","review_manual_review_text_content":"I needed liability insurance for my new small business brick \u0026 mortar location. I got the run around from another company, but NEXT provided a competitive insurance quote in a timely manner. I now have the insurance that I need and it was stress-free!\r\n","review_manual_review_text_name":"Nicole E."},"review_manual_review_rating":"5"}],"ABTestOptions":{"allowComponentABTest":false,"variantNames":false,"isControl":false}},{"acf_fc_layout":"faq_module","displayModule":true,"faq_choose_header":"title","faq_title":"Frequently asked questions about contractors insurance","faq_image":false,"faq_image_alt":"","faq_description":"","faq_short_description":"","faq_open_questions":"0","bgColor":"sky_25","faq_manually_questions":false,"faq_selected_questions":[{"ID":2472,"post_author":"2","post_date":"2017-11-09 16:03:57","post_date_gmt":"2017-11-09 16:03:57","post_content":"Once you have a NEXT policy, you’ll have 24/7 access to proof of your insurance (also called a \u003ca href=\"https://www.nextinsurance.com/certificate-of-insurance/\" data-testid=\"link-with-safety\" data-renderer-mark=\"true\"\u003ecertificate of insurance\u003c/a\u003e, or COI) via web or app. Log in to your account, download your COI instantly or deliver it via email or text at no additional cost. Get unlimited certificates and add an \u003ca href=\"https://www.nextinsurance.com/glossary/additional-insured/\"\u003eadditional insured\u003c/a\u003e as you need them.","post_title":"How can I get a certificate of insurance (COI)?","post_excerpt":"","post_status":"publish","comment_status":"closed","ping_status":"closed","post_password":"","post_name":"can-get-certificate-insurance","to_ping":"","pinged":"","post_modified":"2024-08-15 21:24:55","post_modified_gmt":"2024-08-15 21:24:55","post_content_filtered":"","post_parent":0,"guid":"https://www.nextinsurance.com/?post_type=qa\u0026#038;p=2472","menu_order":0,"post_type":"qa","post_mime_type":"","comment_count":"0","filter":"raw"},{"ID":11111,"post_author":"2","post_date":"2019-05-27 07:11:22","post_date_gmt":"2019-05-27 07:11:22","post_content":"We have a couple of policies that could be right for a jack or jill of all trades.\r\n\r\nOur \u003ca href=\"https://www.nextinsurance.com/business/handyman-insurance/\"\u003ehandyperson\u003c/a\u003e policy might be the best fit if you offer minor repair or maintenance services. This policy is limited to small jobs and is not a fit for jobs that might require a license, permit or inspection at any point.\r\n\r\nIf your operations are a little bit larger in scale, or if you have a specialty, we recommend taking a look at our \u003ca href=\"https://www.nextinsurance.com/business/general-contractor-insurance/\"\u003egeneral contractor\u003c/a\u003e application, where you will have the opportunity to add coverage from a list of coverable activities.\r\n\r\nNote: All of our policies require that you have the legally required licenses for the work you’re doing in your state, so be sure to check in to make sure you are compliant.","post_title":"I’m a jack-of-all-trades - what policy do I need?","post_excerpt":"","post_status":"publish","comment_status":"closed","ping_status":"closed","post_password":"","post_name":"im-a-jack-of-all-trades-what-policy-do-i-need","to_ping":"","pinged":"","post_modified":"2021-09-07 16:43:43","post_modified_gmt":"2021-09-07 16:43:43","post_content_filtered":"","post_parent":0,"guid":"https://www.nextinsurance.com/?post_type=qa\u0026#038;p=11111","menu_order":0,"post_type":"qa","post_mime_type":"","comment_count":"0","filter":"raw"},{"ID":11098,"post_author":"2","post_date":"2019-05-27 07:05:21","post_date_gmt":"2019-05-27 07:05:21","post_content":"Yes. We do require that your subcontractors have the legally required licenses, their own insurance with limits that are equal to or greater than your own, and that they have you named as an additional insured on their policy.\r\n\r\nYou’ll also need to keep this documentation on file for an adjuster to review in case of a claim.","post_title":"I’m a general contractor, does this insurance allow me to hire subcontractors?","post_excerpt":"","post_status":"publish","comment_status":"closed","ping_status":"closed","post_password":"","post_name":"im-a-general-contractor-does-this-insurance-allow-me-to-hire-subcontractors","to_ping":"","pinged":"","post_modified":"2021-09-07 16:21:45","post_modified_gmt":"2021-09-07 16:21:45","post_content_filtered":"","post_parent":0,"guid":"https://www.nextinsurance.com/?post_type=qa\u0026#038;p=11098","menu_order":0,"post_type":"qa","post_mime_type":"","comment_count":"0","filter":"raw"},{"ID":11113,"post_author":"2","post_date":"2019-05-27 07:12:10","post_date_gmt":"2019-05-27 07:12:10","post_content":"If your state requires a license, we do too. However, in most states where insurance is a requirement to get your license, we do offer the ability to purchase the policy on the condition that you agree to have all the required licenses before working.\r\n\r\nBut it’s important to remember: If you are not operating legally, a claim will likely not be covered.\r\n\r\nIf your state doesn’t require you to have a license for a certain line of work, you are welcome to apply for a policy.","post_title":"Will my policy include coverage for work that I don’t have a license for?","post_excerpt":"","post_status":"publish","comment_status":"closed","ping_status":"closed","post_password":"","post_name":"will-my-policy-include-coverage-for-work-that-i-dont-have-a-license-for","to_ping":"","pinged":"","post_modified":"2021-09-07 16:45:58","post_modified_gmt":"2021-09-07 16:45:58","post_content_filtered":"","post_parent":0,"guid":"https://www.nextinsurance.com/?post_type=qa\u0026#038;p=11113","menu_order":0,"post_type":"qa","post_mime_type":"","comment_count":"0","filter":"raw"},{"ID":2434,"post_author":"2","post_date":"2017-11-09 15:36:54","post_date_gmt":"2017-11-09 15:36:54","post_content":"To update your limits, please follow these instructions:\r\n\u003col\u003e\r\n \t\u003cli\u003e\u003ca href=\"https://portal.nextinsurance.com/login/authentication\"\u003eLog in\u003c/a\u003e to www.nextinsurance.com using your email or phone number\u003c/li\u003e\r\n \t\u003cli\u003eOn the homepage of your customer account, click the blue arrow to the right of the policy you'd like to update\u003c/li\u003e\r\n \t\u003cli\u003eSelect the package that has the limits you want and click \"Update plan\"\u003c/li\u003e\r\n \t\u003cli\u003eRead over the statement, confirm you agree and click \"Confirm update\"\u003c/li\u003e\r\n\u003c/ol\u003e\r\nYour limit change will process immediately, and you'll have instant access to a certificate that reflects your updated limits.\r\n\r\nIn some cases, we may need to process your request. Please email us at support@nextinsurance.com and include a description of the desired limit change and the effective date of the change.\r\n\r\nIn some cases, this may result in a one-time charge for the difference in premiums that may be added to your next monthly payment. Once this is processed, you will receive the appropriate endorsement and confirmation of the one-time charge amount in your email inbox within 7 to 10 business days.","post_title":"How do I change my limits?","post_excerpt":"","post_status":"publish","comment_status":"closed","ping_status":"closed","post_password":"","post_name":"how-do-i-change-my-limits","to_ping":"","pinged":"","post_modified":"2021-09-07 15:01:07","post_modified_gmt":"2021-09-07 15:01:07","post_content_filtered":"","post_parent":0,"guid":"https://www.nextinsurance.com/?post_type=qa\u0026#038;p=2434","menu_order":0,"post_type":"qa","post_mime_type":"","comment_count":"0","filter":"raw"}],"ABTestOptions":{"allowComponentABTest":false,"variantNames":false,"isControl":false}},{"acf_fc_layout":"coi_module","displayModule":true,"bgColor":"sky_50","displayPaddingFrame":true,"title":"Need a Fast Certificate of Insurance?","subtitle":"Download the NEXT mobile app and get your COI in 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This policy is limited to small jobs and is not a fit for jobs that might require a license, permit or inspection at any point.\r\n\r\nIf your operations are a little bit larger in scale, or if you have a specialty, we recommend taking a look at our \u003ca href=\"https://www.nextinsurance.com/business/general-contractor-insurance/\"\u003egeneral contractor\u003c/a\u003e application, where you will have the opportunity to add coverage from a list of coverable activities.\r\n\r\nNote: All of our policies require that you have the legally required licenses for the work you’re doing in your state, so be sure to check in to make sure you are compliant."}},{"@type":"Question","name":"I’m a general contractor, does this insurance allow me to hire subcontractors?","acceptedAnswer":{"@type":"Answer","text":"Yes. We do require that your subcontractors have the legally required licenses, their own insurance with limits that are equal to or greater than your own, and that they have you named as an additional insured on their policy.\r\n\r\nYou’ll also need to keep this documentation on file for an adjuster to review in case of a claim."}},{"@type":"Question","name":"Will my policy include coverage for work that I don’t have a license for?","acceptedAnswer":{"@type":"Answer","text":"If your state requires a license, we do too. However, in most states where insurance is a requirement to get your license, we do offer the ability to purchase the policy on the condition that you agree to have all the required licenses before working.\r\n\r\nBut it’s important to remember: If you are not operating legally, a claim will likely not be covered.\r\n\r\nIf your state doesn’t require you to have a license for a certain line of work, you are welcome to apply for a policy."}},{"@type":"Question","name":"How do I change my limits?","acceptedAnswer":{"@type":"Answer","text":"To update your limits, please follow these instructions:\r\n\u003col\u003e\r\n \t\u003cli\u003e\u003ca href=\"https://portal.nextinsurance.com/login/authentication\"\u003eLog in\u003c/a\u003e to www.nextinsurance.com using your email or phone number\u003c/li\u003e\r\n \t\u003cli\u003eOn the homepage of your customer account, click the blue arrow to the right of the policy you'd like to update\u003c/li\u003e\r\n \t\u003cli\u003eSelect the package that has the limits you want and click \"Update plan\"\u003c/li\u003e\r\n \t\u003cli\u003eRead over the statement, confirm you agree and click \"Confirm update\"\u003c/li\u003e\r\n\u003c/ol\u003e\r\nYour limit change will process immediately, and you'll have instant access to a certificate that reflects your updated limits.\r\n\r\nIn some cases, we may need to process your request. Please email us at support@nextinsurance.com and include a description of the desired limit change and the effective date of the change.\r\n\r\nIn some cases, this may result in a one-time charge for the difference in premiums that may be added to your next monthly payment. 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