LinesBOP, GL, WC, Commercial property, Commercial auto, Umbrella, Professional liability
Agent portalYes
Quote APINo
StatesSee appetite
Appetite
| Class | Line | States | Notes |
|---|---|---|---|
| Contractors | BOP | Most states | Targets general contractors, carpentry, handypersons, painting, roofing, landscaping, tile and flooring, concrete and HVAC. Ineligible: revenue or payroll over $5M, any work in New York, exterior work above 30 feet (Contractors Guide, July 2026). |
| Contractors | WC | Most states | Workers' comp available with blanket additional insured and waiver of subrogation. Minimum manual premium of $5K for select contractor professions. |
| Retail | BOP | Most states | Targets convenience, hardware, pet and electronics stores, e-commerce and farmers markets. BOP property max TIV $3M. Excludes weapons, cannabis/CBD, vapes, supplements and children's products (Retail Guide, July 2026). |
| Restaurants | Commercial property | Most states | Bakeries, caterers, coffee shops, food trucks and restaurants up to $5M TIV and $5M revenue, with BPP up to $2M. Not available in Florida. Ineligible over 7,500 sq ft or out of NFPA 96 compliance (Aug 2026 guide). |
How to quote ERGO NEXT Insurance
→Carrier portal. Quote directly in the ERGO NEXT Insurance agent portal.
→Bold Penguin. Agencies short on appointments needing market access.
→Tarmika Bridge. Applied Epic or EZLynx agencies quoting BOP and WC.
Getting appointed
Agencies can get appointed directly online through NEXT's 'Get Appointed' page, which promises same-day access. Agencies in all 50 states can also get a market access appointment through Bold Penguin.
Sources
- ERGO NEXT: Insurance agent appointment page
- ERGO NEXT: Contractors Guide (July 2026)
- ERGO NEXT: Retail Guide (July 2026)
- ERGO NEXT: Commercial Property Coverage Guide (Aug 2026)
- ERGO NEXT: NEXT Insurance rebrands as ERGO NEXT Insurance (Jan 2026)
- NEXT: Bold Penguin partners with NEXT Insurance on Terminal (Sept 2023)
- Bold Penguin Help Center: ERGO NEXT carrier resource guide
- Applied Systems: Tarmika Carriers List (effective May 29, 2026; BOP and GL indication, live)