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Who is NEXT? Next Insurance is an A-rated AM Best carrier specializing in small and micro commercial businesses (under $5M in revenue). They sell small business policies in all 50 states and for over 1000+ professional classes of businesses. Quote and bind instantly, no underwriter review or supporting documents needed! 5 State Specific Lines of Business -BOP -Stand-alone GL -Professional Liability -Inland Marine -Umbrella/Excess