NEXT Insurance (now ERGO NEXT after the 2025 ERGO Group acquisition) is a technology-forward carrier built specifically for small businesses, including HVAC contractors, installers, and service technicians. The platform lets HVAC operators buy general liability, workers' compensation, commercial auto, commercial property, and tools and equipment coverage entirely online in about ten minutes, with a certificate of insurance delivered instantly.
For HVAC businesses, NEXT tailors coverage to common trade exposures: on-site property damage, refrigerant leaks, installation errors, tool theft from trucks or job sites, and customer injuries at residential or commercial work sites. The insurer underwrites the policies it sells (backed by its own carrier), so quoting, binding, claims, and policy changes happen through a single app or dashboard without broker handoffs.
Pricing is transparent and among the lowest in the market for sole proprietors and small crews. General liability averages around $75/month for roughly 75% of HVAC customers, and bundling two or more policies earns up to a 10% discount. The product is best suited to HVAC pros who want fast, DIY digital purchasing rather than consultative broker relationships.