ERGO NEXT Insurance (formerly NEXT Insurance) — Palo Alto-based technology-first Property & Casualty insurer focused on U.S. small and medium-sized businesses, acquired in full by Munich Re's ERGO Group in July 2025 and rebranded as ERGO NEXT Insurance in January 2026.
- Fully digital underwriting and policy issuance for U.S. SMBs across 1,300+ professions and 750,000+ customers.
- Commercial lines: General Liability, Workers' Compensation, Business Owner's Policy (BOP), Professional Liability / E&O, Commercial Property, Commercial Auto, Tools & Equipment, Employment Practices Liability, Product Liability, Liquor Liability.
- Pay-as-you-go Workers' Comp priced against per-cycle W-2 payroll.
- NEXT Connect — an embedded insurance platform that lets partners in payroll, POS, accounting, e-commerce, payments, banking, and fintech offer quote and bind from within their own product, aggregating 15+ carriers.
ERGO NEXT does not currently publish a public developer portal, OpenAPI
specification, sandbox, or self-serve SDK. Per the api-evangelist pipeline rule
("do not create empty/placeholder OpenAPI specs"), this repo ships only the
apis.yml index and this README until a real partner-facing specification is
published — at which point the full company pipeline can be re-run against it.
The partner API surface is real but documented externally through embedded partners (Check, Gusto Embedded), not by ERGO NEXT itself.
- Website: https://www.nextinsurance.com
- Partner program: https://www.nextinsurance.com/become-a-partner/
- NEXT Connect announcement: https://www.nextinsurance.com/blog/announcing-next-connect/
- ERGO acquisition close: https://www.nextinsurance.com/blog/ergo-successfully-finalizes-the-full-acquisition-of-next-insurance/
- ERGO NEXT rebrand: https://www.nextinsurance.com/blog/next-insurance-rebrands-as-ergo-next-insurance/
- Check integration guide: https://docs.checkhq.com/docs/check-next-component-integration-guide
- Gusto Embedded integration: https://embedded.gusto.com/blog/next-insurance-workers-comp-via-gusto-embedded-payroll/
- GitHub org: https://github.com/next-insurance