You didn't start a business to read insurance policies. You started it because you're good at something and people pay you for it. Somewhere along the way a landlord, a client, or a state agency asked for a certificate of insurance, and now you're here.
That's where I come in.
I'm Lenny Burton, your personal risk manager. I've been through the small business market and picked a carrier I trust. I place your coverage, explain what each policy actually does, and stay your advisor as the business grows.
The Policies Small Businesses Actually Buy
Most businesses need two or three of these, not all of them. The quote walks you through which ones apply to your work.
General Liability
Covers injuries to other people and damage to their property that happen because of your work. The one most landlords and clients ask you to carry.
Professional Liability (E&O)
Covers claims that your advice, design, or service caused a client a financial loss. Consultants, agents, designers, and anyone who sells expertise.
Business Owner's Policy (BOP)
Bundles general liability with commercial property in one policy. Usually cheaper than buying the two separately.
Workers' Compensation
Pays medical bills and lost wages when an employee gets hurt on the job. Required by law once you hire in most states.
Commercial Property
Covers your building, equipment, inventory, and furniture against fire, theft, storms, and vandalism.
Commercial Auto
Covers vehicles used for the business. Your personal auto policy generally won't pay for a claim that happens while you're working.
Tools & Equipment
Covers the gear you carry to job sites, whether it's stolen from the truck or damaged on the job. Contractors and trades.
Cyber Liability
Covers the cost of a data breach, ransomware, or a hacked email that costs a client money. Any business that stores customer information.
Get Covered in Three Steps
Describe the business
Your trade, where you work, revenue, and whether you have employees. About 10 minutes.
Pick the policies
You'll see the coverages that fit your work with prices next to each one. Add or drop as needed.
Download your certificate
Pay online and your certificate of insurance is ready the same day. Send it to whoever asked for it.
Why I Work with NEXT Insurance
NEXT built its platform for small businesses and independent contractors. You can quote, buy, and pull a certificate of insurance online without waiting on an underwriter. Policies are written for over a thousand specific professions, so a landscaper and a bookkeeper aren't handed the same form.
NEXT is part of ERGO Group, a Munich Re company. I stay your advisor. NEXT handles policy administration, payments, certificates, and claims.
Credentials
- Lenny Burton, CLU®, licensed risk advisor, NPN 19046937. I place and service your coverage personally.
- Property and casualty licensed in Florida, Indiana, and Ohio.
- NEXT Insurance underwrites and administers every policy, backed by ERGO Group and Munich Re.
If a Client, Landlord, or Lender Asked for Proof of Insurance, You Can Have It Today.
Quote online, buy online, certificate the same day.
Get My Business Quote → Schedule a Call with LennyEmail: ahoy@coveragecaptain.insure
No commitment. No credit card for a quote.
This page provides a general, informal description of the coverages available to small businesses through NEXT Insurance. It is not a contract of insurance. All coverage is subject to the terms, conditions, limitations, and exclusions set forth in the actual policy contract. Please refer to your policy documents for complete details. Availability, terms, and pricing vary by state, profession, and underwriting.
Lenny Burton is licensed for property and casualty insurance in Florida, Indiana, and Ohio. Business insurance through this page is available to businesses located in those states. Workers' compensation requirements vary by state and by number of employees.
Rather Talk It Through First? Pick a Time.
Grab a slot that works for you. No waiting on hold, no phone tag. I'll be ready when we connect.