Next Insurance API
Next Insurance (ERGO NEXT) is a digital-first small business insurance provider offering general liability, workers' compensation, BOP, professional liability, and commercial auto coverage across 1,300+ business types. An unofficial API lets you programmatically pull quotes, policies, certificates of insurance, billing, and claims—and push updates like new applications, binds, and policy changes back into Next Insurance and its NEXT Connect embedded program.
What is Next Insurance?
Next Insurance (now ERGO NEXT) is a digital-first insurance provider for small businesses, offering fully online quotes, binding, and policy management across more than 1,300 business types. Small business owners use Next Insurance to buy and manage general liability, workers' compensation, Business Owner's Policy (BOP), professional liability (E&O), commercial property, and commercial auto coverage—often quoting and purchasing in under ten minutes and downloading proof of insurance instantly.
Core coverage lines include:
- General Liability and Product Liability
- Workers' Compensation
- Business Owner's Policy (BOP) and Commercial Property
- Professional Liability / Errors & Omissions (E&O)
- Commercial Auto, Tools & Equipment, and Liquor Liability
- NEXT Connect embedded insurance for partner platforms
Common data entities:
- Quotes, Applications, Policies, Endorsements, Coverages
- Certificates of Insurance (COIs), Additional Insureds, Proof of Coverage
- Business Profiles, Classes of Business, Owners, Employees
- Billing Accounts, Invoices, Payments, Subscriptions
- Claims, Loss Notices, Documents and Attachments
The Next Insurance Integration Challenge
Next Insurance is built as a self-service web and mobile experience, which makes programmatic access non-trivial for platforms and back-office tools:
- Partner-gated API access: Programmatic quoting and binding flows through the NEXT Connect partner program, requiring a partnership agreement before integration
- Embedded UI vs. data API: NEXT Connect is delivered largely as embeddable, low/no-code UI components rather than a fully documented public data API, limiting headless automation
- Self-service portal data: Policy details, billing, and certificates live behind the authenticated customer portal, not an open programmatic surface
- Authentication and MFA: Customer logins and account protections complicate scripted access and unattended session management
- Class-of-business variability: Coverage, pricing, and eligibility differ across 1,300+ business types, so generic integrations break on rules and required fields
- Certificate and document workflows: Generating and retrieving proof-of-insurance certificates and policy documents requires careful handling of formats and additional-insured details
How Supergood Creates Next Insurance APIs
Supergood reverse-engineers Next Insurance's authenticated web and mobile flows and NEXT Connect interactions to deliver a resilient, normalized API layer for your account—covering quotes, policies, certificates, billing, and claims.
- Handles username/password and MFA (SMS, email, TOTP) securely in a managed session
- Maintains session continuity with automated refresh and change detection
- Normalizes responses across quotes, policies, certificates, billing, and claims so you integrate once and rely on consistent objects
- Adapts to class-of-business rules and required fields across the 1,300+ supported business types
Use Next Insurance with AI agents: Next Insurance MCP Server →
Getting Started
- Schedule Integration Assessment
Book a 30-minute session to confirm your coverage lines, NEXT Connect setup, and authentication model.
- Supergood Generates and Validates Your API
We deliver a production-ready Next Insurance adapter tailored to your account and business classes.
- Deploy with Monitoring
Go live with continuous monitoring and automatic adjustments as Next Insurance evolves.
API Endpoints
Authentication
/authenticateAuthenticate to a Next Insurance account using username/password or MFA and obtain a session token for downstream calls.
Quoting
/create_quoteRequest a quote for a business by class of business and coverage line (general liability, workers' comp, BOP, professional liability).
Policies
/policiesList policies with filters for coverage line, status, business profile, and effective date range.
Policies
/bind_policyBind a quote into an active policy and complete the application-to-bind transaction.
Certificates
/certificatesRetrieve certificates of insurance (COIs), additional insureds, and proof-of-coverage documents for a policy.
Billing
/billingPull billing accounts, invoices, payments, and subscription status for an account.
Use Cases
Embed and sync small business insurance quotes
- Request prefilled quotes across general liability, workers' comp, BOP, and professional liability by class of business - Surface NEXT Connect coverage options inside your own platform's onboarding flow - Sync issued quotes and binds back into your CRM or vertical SaaS
Automate certificate of insurance retrieval
- Pull certificates of insurance (COIs) and proof-of-coverage documents on demand - Add and verify additional insureds for landlords, clients, and platforms - Distribute COIs automatically to compliance and vendor-management workflows
Reconcile policy and billing data
- Sync active policies, endorsements, and coverages into a central warehouse - Match invoices, payments, and subscription status into accounting and AR systems - Flag lapses, cancellations, and renewal events to retention workflows
Stream claims and policy lifecycle events
- Pull claim and loss-notice activity for downstream BI and risk tooling - Track policy issuance, endorsement, and cancellation events across business classes - Trigger partner and customer notifications without portal clicks
Technical Specifications
Authentication
Username/password and MFA (SMS, email, TOTP) handled in a managed session
Connectivity
Authenticated web and mobile flows plus NEXT Connect embedded interactions where exposed to the partner
Response format
Normalized JSON across quotes, policies, certificates, billing, and claims objects
Rate limits
Adaptive throttling tuned to your account to avoid carrier-side limits
Session management
Automatic session refresh, MFA replay handling, and credential rotation
Data freshness
Near real-time pulls for quotes, policies, and billing with optional scheduled batch syncs
Security
Encrypted credential vault, scoped access tokens, SOC 2-aligned controls, and audit logging
Webhooks
Event-style callbacks for quote, bind, endorsement, certificate, and billing changes
Latency
Sub-second reads on cached entities; multi-second writes when posting through quote and bind workflows
Throughput
Horizontally scaled workers sized to high-volume small-business quoting across 1,300+ business types
Reliability
Retry, backoff, and idempotency keys for quote, bind, and billing transactions
Adaptation
Continuous monitoring of Next Insurance and NEXT Connect changes and class-of-business configuration drift
Frequently asked questions
Next Insurance exposes programmatic capabilities mainly through its NEXT Connect partner program, which is delivered largely as embeddable low/no-code UI rather than a fully documented public data API. Supergood works against authenticated web, mobile, and NEXT Connect surfaces to deliver a normalized API without requiring a separate public API.
No. Supergood works with your existing Next Insurance account and authenticated sessions. A NEXT Connect partnership is only required if you specifically want to consume the embedded partner program's brokered flows.
The normalized API covers general liability, workers' compensation, Business Owner's Policy (BOP), professional liability (E&O), commercial property, commercial auto, and other lines that Next Insurance offers across its supported business types.
Yes. Supergood exposes certificates of insurance (COIs), additional insureds, and proof-of-coverage documents through the same normalized API surface, so you can automate compliance and vendor-management workflows.
Each account is profiled against the class-of-business rules, eligibility, and required fields that Next Insurance applies. Supergood preserves these class-specific fields rather than forcing a generic schema.