LimitedVerified Q1 2026
Source: Industry knowledge
ERGO NEXT Insurance: Healthcare Offices Insurance Appetite
NEXT can cover a limited set of health and wellness businesses — massage therapists, yoga instructors, personal trainers, and similar low-risk practitioners. For any clinical healthcare office, CNA HealthPro or Travelers are the appropriate markets. Do not submit physician or dental practices to NEXT.
Available Lines
| Line of Business |
|---|
| General Liability |
| Professional Liability |
| Workers' Compensation |
Premium Range
$800-$4,000
Typical annual premium
Target States
All 50 states
Key Features
- Professional liability for massage therapists, personal trainers, and wellness practitioners
- Online quoting for non-clinical health and wellness businesses
- Workers' comp available for small healthcare office staff
Limitations
- No coverage for physicians, dentists, or nurse practitioners
- No cyber liability or HIPAA breach response coverage
- Clinical practices with patient exam rooms are excluded from the online program
Compare Other Carriers for Healthcare Offices
Progressive CommercialLimited
$2,000-$8,000
TravelersStandard
$5,000-$30,000
CNAPreferred
$6,000-$40,000
HiscoxPreferred
$800-$6,000
The HartfordPreferred
$3,000-$25,000
EMPLOYERS HoldingsPreferred
$1,500-$10,000
AcuityStandard
$3,000-$15,000
Erie InsuranceStandard
$3,000-$15,000
biBERKPreferred
$2,000-$12,000
AmTrust Financial ServicesPreferred
$2,000-$15,000
BTISStandard
$2,000-$12,000
Pie InsurancePreferred
$1,500-$10,000
NationwideLimited
$2,000-$10,000
Liberty MutualLimited
$2,500-$12,000
ChubbStandard
$4,000-$25,000
Cincinnati FinancialLimited
$2,000-$10,000
Hanover InsuranceLimited
$2,000-$10,000
Auto-Owners InsuranceLimited
$1,800-$9,000