Comparing NEXT Insurance and Simply Business for your contracting business? Here’s the honest breakdown — and the fastest way to see which one actually prices better for your trade. Get multiple quotes within minutes.

How they compare

This is really a carrier-versus-broker comparison. NEXT is the insurer — you buy a NEXT policy directly through its platform. Simply Business is a broker that shops several carriers’ panels and matches you to one. Both are fast and online. NEXT gives you one carrier’s instant, self-service experience; Simply Business gives you a small panel of options in one form. An independent agency does what Simply Business does — shop multiple carriers — but adds a specialist who hand-checks your class codes, and can often reach markets a given platform can’t.

What actually decides it

• Carrier vs broker: NEXT is one insurer; Simply Business matches you across a panel
• Speed: both fast and online
• Advice depth: platforms are self-serve — classification-heavy trades benefit from a specialist
• Market reach: depends on each platform’s panel; an independent agency may reach more

Read the full reviews

Go deeper on each: NEXT Insurance contractor review and Simply Business contractor review. Or skip ahead — we’ll quote both for you side by side.

Frequently asked questions

Is Simply Business an insurance company?

No — Simply Business is an online broker that matches contractors to insurance carriers. NEXT, by contrast, is the insurer underwriting the policy directly.

Should I use NEXT, Simply Business, or an agency?

All three shop your coverage differently. NEXT offers one carrier’s instant experience; Simply Business shows a panel of carriers; an independent agency shops multiple carriers with a specialist who verifies your class codes and can reach additional markets.

See both prices side by side. Get multiple quotes within minutes from an independent agency that shops the whole market.