ERGO NEXT Insurance

Today, we’re stepping into our next chapter as ERGO NEXT Insurance. We’ve officially unveiled our new brand identity, an important milestone that reflects how far we’ve come and where we’re headed next as we continue to support more than 750,000 small businesses with their insurance needs. As ERGO NEXT, we’re bringing together the financial strength and global scale of ERGO and Munich Re with the digital-first technology and experience NEXT is known for. This evolution reinforces what matters most to us: Helping entrepreneurs thrive by moving faster, planning further ahead and growing with confidence in an increasingly complex risk environment. You’ll start seeing the ERGO NEXT brand across our digital channels today, with more to come in the weeks and months ahead as we continue to expand what’s possible for digital-first small business insurance. Rest assured, if you’re an active customer, nothing is changing with the coverage outlined in your policy documents. Looking ahead, there’s even more to be excited about as we continue building what’s next. We’re deeply grateful to our customers, agents, partners, employees, and our colleagues across ERGO Group and Munich Re around the world. Thank you for joining us on this journey! Check out the press release with more information on this important milestone for us: nextinsurance.com/blog/next-insu… #ERGONEXT #ERGOGroup #MunichRe #Growth #DigitalInsurance #SmallBusiness #InsuranceInnovation

"The best part of being your own boss is honestly the impact and the people that you meet along the way." For Pete Turner, @illegal_petes isn’t just a fast-casual spot – it’s a life built on community. From opening the doors with his father’s support to hosting over 10,000 touring bands for free, Pete has proven that small business is about far more than just what’s on the menu. 🌯 The reality of running your own business is that you never truly "leave it" when you go home. It’s a 24/7 commitment fueled by a mission to enrich the lives of coworkers, guests, and neighbors alike. At ERGO NEXT, we are so proud to support small businesses like Illegal Pete’s. We believe in the power of local leaders who show up every day, embrace the lessons in failure, and focus on adding real value to their communities. 🙌

That "heart-drop" moment when a client asks for a document you don’t have. 😱 It starts with an exciting booking – but then you see it: “Please send over your proof of insurance by EOD.” If you’re a small business owner or freelancer, the words "General Liability Insurance" can feel like a mountain of paperwork you don't have time for. There is often a misconception that getting covered takes weeks of back-and-forth. The reality check: • You don't have to lose your dream booking. • Getting a business insurance policy doesn’t have to be a headache. • Coverage is available the same day with ERGO NEXT. Whether you’re a photographer, a consultant, or a contractor, having your COI (Certificate of Insurance) ready is a total game-changer for your professional credibility. Stay ahead of the game and keep your business protected. Click here for a free, personalized quote: bit.ly/4dtbJ6v 🚀

Over the past year, we’ve talked with so many small business owners about what keeps them going. And almost every answer came back to the same thing: people. The hugs. The smiles. The pride in their teams. Watching a place come to life. This is what “rewarding” really looks like – and we’re grateful to every small business owner who has shared their story with us. 🌟

One of the greatest joys of owning a small business is the freedom to do things your own way. For France-Lee Griggs, owner and founder of Chez Mémé Vintage, that meant building a business centered on the belief that a home's true beauty often lies in its imperfections. Based in Denver, Chez Mémé Vintage sources hand-knotted antique rugs from around the world. Each piece is a one-of-a-kind work of art, crafted by artisans many years ago to bring a sense of history and charm into modern homes. For France-Lee, the business is about more than just decor – it’s about a legacy for her growing family and showing her community that pieces with a history bring a unique spirit into a space that brand-new items simply can’t replicate. ✨ At ERGO NEXT, we are so proud to support and celebrate local entrepreneurs like France-Lee. Small businesses are the heartbeat of our community, and seeing the passion they pour into their craft is exactly why we do what we do. 🤝

Over the past year, we’ve had the chance to sit down with so many small business owners – and one question we always ask is: what are you most proud of? From early beginnings to real growth. From tough seasons to strong community support. From an idea to something bigger than they imagined. These are the moments that matter – and we’re grateful to every small business owner who has trusted us with their story. ❤️

Starting a business is hard enough – getting insurance shouldn’t be. 🚀 Josh Miller, owner of @jupiterpergola in Jupiter, Florida, knows that firsthand. As a startup, finding coverage wasn’t easy. Many traditional insurers weren’t willing to take the risk… but ERGO NEXT was. What stands out most? Simplicity. From logging in to instantly pulling certificates of insurance for permits, ERGO NEXT makes managing coverage fast and straightforward – which matters when nearly every job requires paperwork on demand. And beyond protecting the business, it brings personal peace of mind. Knowing liability is covered means Josh can focus on growing Jupiter Pergola with confidence. We’re proud to support small business owners like Josh who rely on ERGO NEXT to protect what they’re building. 🤝

For Mauricio Sánchez Rincon, founder of Cumbres Coffee Roasters, the secret to the world’s best coffee isn’t just the beans – it’s the passion behind the process. ☕️ What started with Mauricio teaching himself how to roast authentic Colombian coffee online has evolved into a beloved family-owned staple in Delray Beach. Building a business from the ground up is about more than just a product; it’s about education. At Cumbres Coffee Roasters, they aren’t just serving Colombian roasts; they are teaching their community the difference that quality and heart can make. It is this commitment to the craft that fuels Mauricio through the highs and lows of entrepreneurship. That drive to build a lasting legacy for his family is what makes this coffee shop so special. ✨ We love spotlighting the incredible people behind the businesses we serve, and we are proud to call Cumbres Coffee Roasters an ERGO NEXT customer. 🤝

Over the past year, we’ve had the chance to talk to so many incredible small business owners. From ice cream makers to landscapers, each with a story that drives them every day. Passion is what keeps them going: the love of the craft, the joy of helping others, and the thrill of turning an idea into something real. We’re so grateful to everyone who shared their story with us. Your passion inspires us. 🚀 #SmallBusiness #SmallBusinessLove #Entrepreneurship #Passion

More plants. More community. More reasons to love Bushwick. 🌿 Founded by Adam Raschel, Little Shop of Soil is all about indoor houseplants and handmade ceramics sourced from artists around the world. From seasoned collectors with jungle-level apartments to someone buying their very first plant, this Brooklyn shop has become a space where people feel comfortable learning, asking questions, and just being around something living. 🌱 Adam calls being a small business owner one of the most challenging – and most rewarding – things he’s ever done. In a fast-changing landscape, Little Shop of Soil has been thriving for nearly seven years. That’s no small feat in New York! His advice for anyone thinking about starting something of their own? “Just do it. Take the leap. It’s worth it.” 🙌 ERGO NEXT is proud to spotlight small businesses like this – built on passion, resilience, and the kind of community that keeps growing season after season. 🪴

Over the past year, we asked small business owners: what advice would you give someone who wants to start a business? 🤔 Different industries, different paths – same advice: just go for it. 🚀 There’s never a perfect time. You don’t have to have it all figured out. You just have to start. A huge thanks to every small business owner who shared their experience, lessons, and encouragement with us – it’s been one of the most rewarding parts of the year. ⭐ #SmallBusiness #Entrepreneurship #SmallBusinessTips #SmallBusinessAdvice #GoForIt

This isn’t just a magic shop… it’s a place where future magicians are made. ✨🪄 @JoeMisdirection has been obsessed with magic since he was five years old, and today, that passion lives on at Misdirections Magic Shop in San Francisco. From seasoned pros to first-timers who’ve never picked up a deck of cards, this shop truly welcomes everyone. Joe doesn’t just sell tricks, he teaches them. Every visit comes with mentorship, encouragement, and real guidance on finding the trick that’s right for *you.* Watching him help younger magicians build confidence (and believe in themselves) is pure magic. 💫 Running a shop isn’t easy, but Joe shows up every day doing what he loves – inspiring curiosity, sparking wonder, and keeping the magic alive. At ERGO NEXT, we’re proud to support the people who turn their passion into a business. That’s why we love shining a spotlight on small businesses like Misdirections Magic Shop. 🎩✨

Calentando bajo el cielo boricua 🔥🌴

Over the past year, we’ve had the chance to sit down with a lot of small business owners and hear their stories – the wins, the setbacks, and everything in between. When we asked what advice they’d give to someone thinking about starting a business, a few themes came up again and again: It takes work. It takes patience. It takes resilience. But every step is worth it. A huge thanks to every small business owner who trusted us with their story and shared what they’ve learned along the way. 🚀 #SmallBusiness #Entrepreneurship #SmallBusinessTips #SmallBusinessAdvice

Looking for a bike shop that truly welcomes everyone? Chicago-based Igor Does My Bike is making cycling accessible for all. 🚲✨ Whether you’re a pro on a high-end carbon bike or a first-timer who’s never ridden before, Igor Kolomiychenko and his team treat everyone with the same respect and support. What started as a basement passion project has grown into a welcoming shop where smiles are just as important as the bikes. And that welcoming vibe reflects their bigger mission: cycling isn’t just competitive or male-dominated – it’s for anyone who wants to ride. We’re proud to spotlight small businesses like this one that make their communities stronger. 🚀

Training complete! ✅ Now it’s showtime! Who’s ready for some action?! ⚽🔥 @intermiamicf #InterMiamiCF #ERGONEXT #Partnership #SeasonOpener #SeasonKickoff

Pets bring people together – and so do the small businesses that celebrate them every single day. 🐾 This #NationalLoveYourPetDay, we’re highlighting local spots that pamper pets, create community, and help animals find loving homes. From adoption cafés to dog-friendly shops and hangout spots, these businesses are built around community, connection, and memories that last a lifetime for pets and their humans. 📍Pure Pawsh | San Diego, CA 📍@pouncecatcafe | Savannah, GA 📍@chateaulewoof | Astoria, NY Pets. Community. Small businesses that go all in – just like we do for our pets. Celebrate your furry friends today! 🐶🐱

Entrepreneurship looks simple… until you’re the one managing the money, the people, the customers, and the risk. Small business owners know the truth (even if the outside world doesn’t). 😉

Ever say “yes” to a client before fully thinking it through? 😅 For freelancers and consultants, adding a new service can feel like an easy win – until the responsibilities and risks come into focus. New tools, new expectations… and sometimes, insurance gaps no one saw coming. Before saying yes to that next request, it helps to pause and run through a quick checklist: ✅ Is the skill actually there? ✅ Is there real demand or just curiosity? ✅ What’s the true cost in time, tools, and effort? ✅ Does existing insurance even cover this work? ✅ Can it be delivered well without turning into a full-time job? Adding services can absolutely fuel growth, but only when the business side is ready too. A quick coverage check now can prevent expensive headaches later. If it’s a good fit, say yes… just not before thinking it through. 🙌

Chocolate-covered strawberries. 🍓 Caramel apples. 🍎 Cheesecake cups. 🍰 And a whole lot of heart. ❤️ Dipped by Dee isn’t just a dessert shop, it’s a love story that literally started with Valentine’s Day. Founder Daniela Fry first made these treats for friends and family just for fun… and now she runs one of Las Vegas’ sweetest small businesses. From fresas con crema to fully loaded chocolate-dipped creations, everything here is made to look amazing and taste even better. 😍 Daniela is a first-generation immigrant and a proud woman business owner, chasing the American Dream one dessert at a time (and it shows in every single bite). 😊 ERGO NEXT is proud to support and spotlight small businesses like this that are building something special from passion, culture, and creativity – especially during the most love-filled time of the year. 💕

Have you ever wasted money on things you *thought* your business needed? 🙈 Expensive websites way too early. 🙈 Fancy business cards. 🙈 Courses that never get finished. 🙈 Extra inventory for a trend that never takes off. 😅 Early-stage splurges can become costly lessons. Here are some things that are *actually* worth the investment: A good bookkeeper ✅ DIY taxes usually cost more in stress, time, and mistakes than hiring a pro. Quality equipment ✅ Cheap gear rarely saves money in the long run. Business insurance ✅ Skipping coverage to save money can backfire quickly. One lawsuit scare is enough to put everything at risk. At the end of the day, the best business expenses are often the ones that actually support how the business runs – not just what looks good on paper. 👍