This article is for admins who manage business insurance.
The Business Insurance hub is where you view, manage, and shop for business insurance policies in Gusto. You can review active coverage, access insurance documents, and explore new policies. Our partner, ERGO NEXT Insurance, powers these offerings.
You can find business insurance offerings in three places:
On your Gusto dashboard (look for a recommendation card)
During onboarding for owner-only companies
In the Business Insurance hub under Taxes & Compliance
We partner with ERGO NEXT Insurance to offer business coverage. You can apply and purchase policies tailored to your business in just a few minutes.
General Liability: Covers costs for property damage or non-employee injuries
Professional Liability (Errors & Omissions): Covers mistakes or negligence for service-based businesses
Business Owner’s Policy (BOP): Combines General Liability and Commercial Property
Commercial Property: Protects your office, shop, or equipment
Workers’ Compensation: Helps cover medical costs and lost wages for employees hurt on the job. Learn more about how workers’ comp is set up and managed in Gusto.
Business insurance through Gusto does not have a set price. ERGO NEXT Insurance quotes each business individually, so you see your own price when you run a quote.
Quotes are free and take about 10 minutes.
You see your price before you buy. ERGO NEXT Insurance shows the coverage plans it recommends, you choose one, and you enter payment info last.
Start a quote from Choose your coverage in the Business Insurance hub. The full steps are in Get a new business insurance policy.
You pay ERGO NEXT Insurance directly. The charge does not appear on your Gusto invoice.
To see what a policy you already have costs, open it under Current policies in the Business Insurance hub. The policy details show the estimated annual premium and your coverage dates.
Workers' compensation is priced differently. Premiums are calculated from your payroll every time you run it, so the amount changes as your payroll does. See how workers' compensation premiums are billed.
For a detailed quote, or a question about a premium you have already been charged, contact ERGO NEXT Insurance at (888) 289-2939 or through the ERGO NEXT customer dashboard.
To open the hub:
Go to Taxes & Compliance.
Select Business insurance.
From the hub, you can:
View details for your active policies.
Access documents and make changes through ERGO NEXT Insurance.
Explore new coverage options and request free quotes.
Need more coverage for your company? Go to the Choose your coverage section in the Business Insurance hub. You can learn about:
General Liability
Workers’ Compensation
Business Owner’s Policy
And more
To learn more about coverage or get a free quote (takes about 10 minutes):
Go to Taxes & Compliance.
Select Business insurance.
Under Choose your coverage, scroll to view the available options.
Below the policy name, click What it covers to get a quick overview and summary of what’s covered or not covered.
Click Get a free quote to start your application with ERGO NEXT Insurance.
We pre-fill some of your company info.
Review the coverage plans ERGO NEXT Insurance recommends.
Choose a plan, enter payment info, and purchase.
What happens after you purchase a policy:
Your policy activates immediately.
We show a confirmation screen.
ERGO NEXT Insurance emails your policy documents, including your certificate of insurance.
You can view and manage your active ERGO NEXT Insurance policies in the Current policies section.
To manage a business insurance policy:
Go to Taxes & Compliance.
Select Business insurance.
Find Current policies and click one to view details about:
Policy number
Carrier (ERGO NEXT Insurance)
Estimated annual premium
Coverage dates
From there, use the Manage policy quicklinks to go directly to ERGO NEXT Insurance. In the ERGO NEXT portal, you can:
View proof of insurance (COI)
Manage coverage
View invoices
Manage payment
File a claim
Q: How do I change my policy?
A: Go to the hub (Taxes & Compliance, then Business insurance), select your policy, and use the Manage policy quicklinks to access the ERGO NEXT Insurance portal. Make changes or payments there.
Q: Where do I find my certificate of insurance (COI)?
A: In the hub (Taxes & Compliance, then Business insurance), select your policy, find Manage policy, and click View proof of insurance. ERGO NEXT takes you to their portal to download your COI.
Q: Why is my policy missing from the hub?
A: The hub only shows policies purchased through Gusto’s ERGO NEXT Insurance partnership. Policies from other providers will not appear. Some externally managed workers’ comp policies may appear if Gusto tracks them.
Q: Who is my insurance provider?
A: ERGO NEXT Insurance provides and manages your policy.
Q: How do I pay for my policy?
A: You pay ERGO NEXT Insurance directly. The charge will not appear on your Gusto invoice. For how pricing works, see How much business insurance costs.
You can view your ERGO NEXT policy details and premiums through the ERGO NEXT customer dashboard. If you still have questions, contact ERGO NEXT directly at (888) 289-2939.
Q: Who do I contact for claims or policy questions and state requirements?
A: For claims, coverage details, or policy management, contact ERGO NEXT Insurance directly through the ERGO NEXT customer dashboard. You can also email them at [email protected].
Q: How do I cancel my policy?
A: Contact your insurance provider directly to cancel your policy. If you have a policy with ERGO NEXT, visit their ERGO NEXT customer dashboard. Log in, select your policy, and follow the steps to cancel your coverage. You can also call ERGO NEXT directly at (888) 289-2939 to cancel over the phone.