Partner · Business insurance
A+ rated business insurance from ERGO NEXT
One mistake shouldn't sink a good business. ERGO NEXT is rated A+ (Superior) by AM Best and writes coverage tailored to more than 1,300 professions. Over 750,000 business owners use it to help protect their companies.
Get your free A+ rated quoteBy selecting get a quote, you agree for Lone Star LLC Attorney to share data about your company and your employees with our partner, AP Intego Insurance Group LLC, a NEXT Insurance Company, who may contact you to discuss your request for coverage. We may alone or jointly with NEXT send info about offers. NEXT's use of your data is subject to their Privacy Policy and Terms of Service.
Coverage questions go to ERGO NEXT at (888) 289-2939. Questions about your Lone Star account? Call (281) 640-2550. We answer.
The LLC gap
Forming an LLC is the right first step. It can put a legal wall between your personal assets and the business's debts. That wall does not protect the company's own bank account, equipment, or future earnings from a lawsuit.
Without the right coverage, even a small incident can turn into a real loss. Business insurance can help cover:
- Customer injuries or property damage
- Professional mistakes or claims
- Theft, fire, or property loss
- Cyberattacks and data breaches
Why we picked ERGO NEXT
Coverage without the wait
Traditional insurance can tie up a new LLC in paperwork and phone tag. ERGO NEXT is 100% online. You get the coverage and the proof of insurance you need in minutes, so the next contract or job doesn't sit waiting on a carrier.
Policies fitted to businesses like yours
Texas business owners run every kind of outfit: freelancers, consultants, online sellers, contractors, growing teams. ERGO NEXT writes policies for 1,300+ business types and builds coverage options around your industry and business details.
Proof of insurance when the deal depends on it
Clients, landlords, and marketplaces often ask for a Certificate of Insurance. ERGO NEXT makes it straightforward to pull your policy documents and certificates, so you can meet the requirement, sign the contract, and keep moving.
What you get with ERGO NEXT
ERGO NEXT is built with small business owners in mind.
Fast, 100% online coverage
Get a quote, customize your policy, and activate coverage in about 10 minutes. No paperwork.
Policies fitted to the business
Coverage is matched to your industry, business size, and risk level, so you pay for what you actually need.
Built for small businesses
Freelancers, contractors, online sellers and more. ERGO NEXT supports over 1,300 professions.
Flexible coverage options
General Liability, Professional Liability (E&O), Workers' Compensation, Commercial Property, and Business Owner's Policies (BOP).
Proof of insurance on demand
Download and share your Certificate of Insurance (COI) anytime. Handy for contracts and compliance requirements.
Ongoing support and easy claims
Manage your policy, file claims, and pull documents around the clock online or in the mobile app.
ERGO NEXT next to a traditional carrier
| Feature | Traditional carriers | ERGO NEXT |
|---|---|---|
| Quote & buy time | 2-3 weeks | Get a quote in about 10 minutes |
| Proof of coverage | Mailed or faxed (days) | Instant digital COI |
| Application flow | Manual paperwork | 100% online |
| Pricing model | Fixed packages | Flexible limits and billing options |
| Financial strength | Varies | Rated A+ (Superior) by AM Best |
Sources: AM Best A+ rating (2025) Munich Re / ERGO Forbes Advisor review NEXT Insurance company data
Traditional carrier data represents industry averages for non-digital commercial underwriting.
How it works
Get a customized quote
Enter your industry and business details to see options fitted to you.
Pick your coverage
Choose the policies and limits that fit your LLC.
Get proof of insurance
Buy online and download your Certificate of Insurance right away.
Common questions
Business insurance through your Lone Star LLC Attorney account, plain and simple.
Before you buy
Quotes, coverage, and certificates.
How quickly can I get covered?
The quoting process is free, fast, and hassle-free. Get a custom recommendation for your business today and be covered as early as tomorrow. Download proof of insurance today.
How much does insurance cost for my business?
The best way to find out how much insurance will cost for your specific business is to get a customized, no-obligation instant quote. The exact cost will depend on multiple factors such as your industry, operations, location, size, revenue, and what type of coverage you need.
I have questions about coverage or coverage requirements.
ERGO NEXT has licensed insurance agents available to help you find the right coverage for your business. You can contact them directly at (888) 289-2939 or support@apintego.com.
How do I get a certificate of insurance?
After purchasing a policy, you can get unlimited certificates of insurance in your ERGO NEXT Customer account.
After you buy
Billing, coverage support, certificates, and claims once your policy is active.
I have questions about my bill.
You can see the details of your ERGO NEXT policy and premiums through your ERGO NEXT Customer Account. If you still have questions, contact ERGO NEXT directly at (888) 289-2939.
Do I contact ERGO NEXT or Lone Star LLC Attorney for coverage concerns?
You should contact ERGO NEXT for coverage questions or concerns. You can chat with them in the ERGO NEXT Customer Dashboard, or you can contact them directly at (888) 289-2939.
How do I get a certificate of insurance after I buy?
Log in to your account via web or mobile app and access the "Certificates" tab.
- To access an existing COI, find it under "Custom Certificates."
- To create a new COI, click "Create Custom Certificate," then "Create manually" or "Upload a sample certificate."
- Enter the certificate holder or additional insured's name and address, then click "Next."
- Select desired endorsements and click "Next."
- Review and confirm certificate details, then click "Submit."
How do I file a claim?
Log in to your ERGO NEXT account and go to the "Claims" tab.
- Select "File a claim" to open the virtual claims assistant.
- Answer the questions and add any photos or documentation.
- Wait for a dedicated claims advocate to reach out with follow-up instructions.
Get the insurance you need to grow
Running a business is risky enough. Your insurance shouldn't be.
- Help protect the bottom line. Have help lined up for unexpected out-of-pocket costs if the business is blamed for an accident or a mistake.
- Win more work. Clients, vendors, and landlords often want proof of insurance before they sign.
- Coverage at digital speed. Get a free quote and buy a policy in minutes, then manage it 24/7 online or in the app.
By selecting get a quote, you agree for Lone Star LLC Attorney to share data about your company and your employees with our partner, AP Intego Insurance Group LLC, a NEXT Insurance Company, who may contact you to discuss your request for coverage. We may alone or jointly with NEXT send info about offers. NEXT's use of your data is subject to their Privacy Policy and Terms of Service.
Lone Star LLC Attorney is not an insurance company. ERGO NEXT handles your quote, policy, billing, and claims.
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