You get what you pay for I guess You get what you pay for I guess! I purchased general liability and commercial property policies. I’m a small coffee shop within a mall. There was a power outage resulting in over 24 hours without power. Lost a minimum of $5,000 in food and equipment. Claims said that because my specific unit (within the mall) wasn’t hit by lightning, nothing was covered. I specifically recall food spoilage being a covered part of my policy, thus the reason for choosing the policies I did. I’m just disappointed I didn’t specifically inquire about the exclusions.

DON'T USE THIS COMPANY Unresponsive, unprofessional, and incompetent. I requested a COI a month and a half ago. When they finally respond a week later (if any response at all), each and every one they've sent has failed to meet our customer's requirements. They don't pick up the phone. We are missing out on work because of this company's failure to do their simple job.

Appreciate the ease and convenience of… Appreciate the ease and convenience of being able to purchase affordable E&O insurance.

Customer Service Lacking I've used Next Insurance for multiple clients before and had a good experience. However, this latest round has required 2 months back and forth with delayed responses (only one time on my side) and no policy yet in place. This is an issue to not have timely enrollment in required policies. The only reason I haven't gone to another insurance provider is the integrated option with the payroll administrator we use. Otherwise, Next would have lost this policy opportunity. I will definitely look at other options before sending another client their way.

WARNING!!!!!!!! WARNING!!!!!!!!! This company scams their clients with the fine print clauses. For example I have general liability. I've been paying my premiums and monthly bill for 3 years. I finally needed to file a claim, Next Insurance denied my claim under a bogus exclusion clause that contradicts what I was cover for. Everyone is rude at this office, they will not let you appeal, they do not have respect for their customers when it's time to make a claim. Bad Faith Insurance company, cancel now your waisting money with them!