Source: ERGO NEXT — General Contractor Insurance
ERGO NEXT Insurance: General Contractors Insurance Appetite
NEXT can handle very small contractors — handymen, painters, small remodelers — who need basic GL and maybe workers' comp. They cannot provide the inland marine, builders risk, or high umbrella limits that real general contractors require. For anything beyond basic residential work, go to Progressive or Travelers.
Available Lines
| Line of Business |
|---|
| General Liability |
| Workers' Compensation |
| Commercial Auto |
Premium Range
$2,000-$10,000
Typical annual premium
Target States
All 50 states
Key Features
- Online GL quoting for handymen, remodelers, and small GCs
- Workers' comp available for crews up to 15 employees
- Commercial auto for contractor pickups and vans
- Instant additional insured endorsements through the online portal
Limitations
- No inland marine, builders risk, or umbrella available
- Heavy construction and commercial build-out contractors are excluded
- Maximum project size of $1M for GL eligibility
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