Complaints

The complaint text that is displayed might not represent all complaints filed with BBB. Some consumers may elect to not publish the details of their complaints, some complaints may not meet BBB's standards for publication, or BBB may display a portion of complaints when a high volume is received for a particular business.

• Initial Complaint

  Date:08/30/2024

  Type:Service or Repair Issues
  Status:

  ResolvedMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I was referred to this insurance company from my primary carrier the Hartford insurance who Ive been using for years for life insurance and I was told that theyll be good to cover Camera equipment and things of that nature because Im a professional photographer. My home was broken into while I was away on a job. I filed the claim provided all the information to claim adjuster by the name of ***************************** just to have this lady, send me an email stating that Ive been nonresponsive and that my claim will be closed in seven days if I dont provide paperwork which I already provided she didnt send me a sworn affidavit and is requesting an affidavit that she never sent me. I know this company has only been around since 2016 but this seems a little ridiculous and you could call people all day long and no one picks up the phone so disappointed

  

  Business Response

  Date: 09/06/2024

  Hi ******,
  
  Thank you for taking the time to leave us a review. Your comment concerns us and we looked into this matter for you. Upon further review of your account, we were able to locate the claim in reference. We have contacted your claim advocate and their supervisor and they will be in contact with you ASAP. We apologize for the inconvenience and we appreciate your patience while we resolve this in an appropriate manner of time. In the meantime, if you have any questions, please feel free to send us an email at ********************************** or give us a call at ************. Our hours of operation are Monday - Friday, 8AM - 5PM CST. We'd be happy to answer any questions you may have!
  
  Sincerely, The NEXT Team

  Customer Answer

  Date: 09/06/2024

   
  Better Business Bureau:
  
  I have received contact from the claims adjuster. She let me know that it was a mistake by sending me that letter. They didnt mean to me. I accept that mistakes. I have provided them with information that they needed, and I am satisfied that they are currently working on the claim so I am satisfied with the response of the company thank you very much.
  Sincerely,
  
  *************************

• Initial Complaint

  Date:08/15/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Filed a claim for workers comp injury, They opened the claim and says they will make a decision within 48 hours. 1 year later, sending multiple emails and calls, zero response and zero accountability. Would like this resolved.

  

  Business Response

  Date: 09/12/2024

  Hi ******, 
  
  Thank you for taking the time to leave us a review. Our team is looking into this as your claim is not being handled by NEXT, but by through a third party agency. A member from our team will be in contact with you shortly to discuss this claim further. Due to legal and compliance reasons, we cannot disclose detailed information regarding claims on public platforms. If you have any further questions, comments, or concerns, please feel free to email us at ********************************** or give us a call at **************. We have live agents available Monday-Friday, 8 AM - 5PM CST. We are happy to help in any way we can! 
  
  Sincerely, 
  The NEXT Team
  

• Initial Complaint

  Date:08/15/2024

  Type:Order Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  We accepted a quote for Worker's Compensation Insurance on October ******* with NEXT Insurance, *********, ********** through our agent, ***** Insurance, *******, ********. The premium payments were deducted directly from our account. At the end of the year we received a request for an audit of the business. never having done an audit and not familiar with the process, we asked our insurance agent for help. Her name is ************************* with ***** Insurance. She did not know how to help us and requested they do an "in person audit" the first time so we did it correctly. The company insisted that we complete a very poorly worded online audit which resulted in additional charges for premiums totaling $6777.00. The audit forced us to show the income for the owner, which we input the gross receipts for the business for the year. They were looking for wages paid to the owner, which there were none as the business showed a loss at the end of the year. We attempted to clear up the error and NEXT Insurance would not let us make the correction which would have resulted in a much lower premium. We supplied NEXT Insurance with profit and loss statements over the course of 2022 and 2023 and have yet to hear from them or receive a premium refund. NEXT Insurance dropped us after we paid the higher premium and then at the next audit, after they dropped us, they refused to respond to us in any way. We are looking for a correction of the audit and a refund of the additional premium paid due to that error in the amount of $6777.00 and any over-payment from 2023 due to much less wages being paid than in 2022. Currently, we have records showing payments of ******** for two years. The policy ran from 10-26-21 to 10-26-23 with no losses paid out by NEXT Insurance for the duration of the policy period. We were originally quoted $16559.00 and the audit forced the premium to rise to $23336.00.We would like a response because we feel overcharged and ignored.

  

  Business Response

  Date: 09/06/2024

  Hi ******, 
  
  Thank you for taking the time to leave us a review. Your comment concerns us and we looked into this matter for you. Upon further review of your account, we were able to locate the Worker's Compensation Audit you are referring to. Please know that at the time of purchase, it is stated and agreed upon, that each of our policies are subject to their terms and conditions. Additionally, as an online insurance business, we do not have any physical locations to do an "in-person audit" as your external agent incorrectly advised. Furthermore, we do not have any pending or previous requests from you at this time, but we are determined on making this right if we have failed to do so. We ask that you please contact your agent, *********;********, as they have been emailed our rates per class in regards to Worker's Compensation and more. Due to legal reasons, we are unable to provide any further detailed information regarding your audit. However, if you have any further questions, please feel free to send us an email at ********************************** or give us a call at ************. Our hours of operation are Monday - Friday, 8AM - 5PM CST. We'd be happy to answer any questions you may have!  
  
  Sincerely, 
  The NEXT Team  
  
  
  

• Initial Complaint

  Date:08/08/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I've been insured with Next for about 3 years. I held liability insurance and workers comp. About a month ago back in June/28th/24 I was dropped with my workers comp, without a notice or justification. They just dropped me and the state is fining me 15k. And I'm trying to get a solution and nothing has or "can't be done" As a business owner if anyone is reading this and values the dependability of an insurance company do not get this company. And I'd you manage to actually get a hold of somebody they aren't the insurance, they are only "brokers"..Do not get it. Not only do they charge more they will not help you and leave you hanging out to dry.

  

  Business Response

  Date: 09/06/2024

  Hi ******, 
  
  Thank you for taking the time to leave us a review. Your comment concerns us and we looked into this matter for you. Upon further review of your account, we were able to find the Worker's Compensation Audit that you are referring to. As stated and agreed upon at the time of purchase, all policies are held subject to their terms and conditions, including the annual audit for each Worker's Compensation policy at the end of the term. Our team has made numerous attempted to connect with you to address this matter but have been unsuccessful in doing so. To avoid any further fees, please cooperate with our Audit team so we may close and resolve this matter in an appropriate time. We look forward to hearing back from you. If you have any questions, please feel free to send us an email at ********************************** or give us a call at ************. Our hours of operation are Monday - Friday, 8AM - 5PM CST. We'd be happy to answer any questions you may have!  
  
  Sincerely, 
  The NEXT Team  
  
  
  

• Initial Complaint

  Date:08/06/2024

  Type:Service or Repair Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Ive had GL for my business for years, had purchased tool coverage which I was under the assumption I had. When my tools were stolen I was told that they are denying coverage because of apparent date conflictions. After speaking to a manager was told they would move forward with the claim, as I needed to file a police ***ort which I did outlining the theft. While awaiting the hard copy of the police ***ort I received an email from another claims *** saying that they are re-denying my claim. After speaking to a supervisor was told that they aren't covering my tools and thought I was lying. After asking to speak to a manager I was met with a voicemail, left several messages with the manager and ended up having an argument with another supervisor, who refused to transfer me. Wasted over almost 2 moths trying to recover money ***aid for stollen tools. Will be filing a claim against them with the state insurance commission

  

  Business Response

  Date: 08/07/2024

  Hi *******, 
  
  Thank you for taking the time to leave us a review. Your comment concerns us and we looked into this matter for you. Upon further review of your account, we were able to locate the claim in reference. Please know that our claims are handled on a claim-by-claim basis and subject to any and all policy terms and conditions. Due to legal reasons, we cannot disclose information publicly regarding claims. Additionally, if any inquiry is received from the state, NEXT will provide the same information that has been given within your claim case and will respond accordingly if a suit is filed. If you have any questions o concerns regarding your claim, please reach out to your claim's advocate. For anything else, please feel free to send us an email at ********************************** or give us a call at ************. Our hours of operation are Monday - Friday, 8AM - 5PM CST. We'd be happy to answer any questions you may have!
  
  Sincerely, The NEXT Team
  

• Initial Complaint

  Date:07/29/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  NEXT Insurance was our commercial insurance company in 2022 and they dropped us. Now, in 2024, they have opened an audit and have requested information for our 1099 employees. We explained that we can not provide our contracts to them because it includes their personal information like social securities and banking information. Now, they have decided that we owe over $4,734 additional information. This is absurd, because there was no information included with how they got to the need for an additional amount of money owed. They also said they would charge our credit card in 10 days, without authorization. This is a legal scam!

  

  Business Response

  Date: 07/30/2024

  Hi ******, 
  
  Thank you for taking the time to leave us a review. Your comment concerns us and as a legitimate insurance company, we looked into this matter for you. Upon further review of the correct account, we were able to find that you are not an authorized user, therefor we cannot disclose any information due to legal and compliance reasons. However, please know that all of our policies are subject to our terms and conditions. Additionally, we are happy to know that a member from our team has been in contact with the policyholder to help explain and resolve the audit for the policy. We ask that you please continue to contact your auditor for further information. If you have any questions, please feel free to send us an email at ********************************** or give us a call at ************. Our hours of operation are Monday - Friday, 8AM - 5PM CST. We'd be happy to answer any questions you may have!  
  
  Sincerely, 
  The NEXT Team  
   
  

• Initial Complaint

  Date:07/17/2024

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  NEXT insurance auto-enrolled me in Workers Comp insurance when I created a quickbooks account for my business. I did not know I needed to cancel a policy I did not apply for. I am the only employee of my company, I don't need Workers Comp. Then Next insurance threatened me with audit and bounced me around between employees who gave me attitude. I send in my payroll to confirm that I was the only employee and did not need a workers comp policy. The company that does that audits on behalf of NEXT said that they were getting a ton of complaints from businesses like me that had been auto-enrolled in a policy they didn't ask for, want, or need. Just now I received a message saying I owe NEXT insurance for the policy they assigned me last year that I did not ask for. This is predatory.

  

  Business Response

  Date: 07/23/2024

  Hi ******, 
  
  Thank you for taking the time to leave us a review. Your comment concerns us and we looked into this matter for you. Upon further review of your account, we were able to find that your policy was purchased online without the assistance of one of our agents. Furthermore, please know that our policies are subject to all terms and conditions, including our Workers Comp Audit at the end of a policy term. We apologize for any inconvenience or miscommunication there may have been. We ask that you please respond/contact our audit team for any further questions, comments, or concerns. For anything else, please feel free to send us an email at ********************************** or give us a call at ************. Our hours of operation are Monday - Friday, 8AM - 5PM CST. We'd be happy to answer any questions you may have!
  
  Sincerely, The NEXT Team
  

  Customer Answer

  Date: 07/24/2024

   
  Complaint: 21992888
  
  I am rejecting this response because: There was no solution offered other than for me to call Next insurance again. My previous phone calls have not been helpful or satisfactory. No resolution is being offered me. I did not intentionally purchase a workers comp insurance policy from Next, I was auto-enrolled by Quickbooks. I was not aware that I needed to contact Next insurance to cancel a policy I did not request. This is predatory and erodes consumer trust in the insurance market. The solution I would like is to have any fees or charges associated with a policy I did not ask for waived and removed from my account. 
  
  Sincerely,
  
  *******************************

  

  Business Response

  Date: 07/30/2024

  Hi ******,
  
  We appreciate your response. Unfortunately, we cannot backdate your policy cancellation request. We ask that you please respond/contact our audit team for any further questions, comments, or concerns. For anything else, please feel free to send us an email at ********************************** or give us a call at ************. Our hours of operation are Monday - Friday, 8AM - 5PM CST. We're happy to help in any way we can! 
  
  Sincerely, The NEXT Team

• Initial Complaint

  Date:06/20/2024

  Type:Product Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  Denied me service because they believe my address is fake. I receive mail to my address every single day.

  

  Business Response

  Date: 06/25/2024

  Hi *****, 
  
  Thank you for taking the time to leave us a review. Your comment concerns us and we looked into this matter for you. Upon further review, we were able to locate the issue being referenced. Please know that your address was/is not being referred to as fake, that it is a reporting error by ***** Unfortunately, if **** does not have your address listed within their system, we cannot proceed with our quote application. We are dependent upon the information that **** reports to us to verify an address. We are not able to solve this on our end as it is an error by ***** However, we are dedicated to our promise of providing phenomenal service and we are happy to assist you with the additional actions needed to resolve this with ***** At your earliest convenience, please reach out to **** and ask them to update your address in their database to accurately reflect it in their reporting. After **** has verified that the change has been made, our system will be able to recognize it. We appreciate your cooperation and we apologize for any inconvenience. If you have any further questions, comments, or concerns, please feel free to email us at ********************************** or give us a call at **************. We have live agents available Monday-Friday, 8 AM - 5PM CST. We are happy to help in any way we can! 
  
  Sincerely, 
  The NEXT Team
  
  

• Initial Complaint

  Date:06/03/2024

  Type:Billing Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I am a Registered Daycare Provider License #******** for ** 1/2 years for #** children Monday-Friday 7:00 AM-5:30 PMGordon ***** Insurance found NEXT INSURANCE **** Last year for me for $660.00 annually last May 2023This year I got NO statement NO communication of any kind they just took $1,289.88 out of my bank account and NEVER LET ME KNOW UNTIL THEY TOOK THE MONEY OUT OF MY BANK ACCOUNT!I had *********************** Insurance talk with NEXT INSURANCE to see why the money amount went up so much from last year?I had an Inspection last August 2023 and passed **0% I just had my surprise Inspection this last May 2024 **0% and I have NEVER had any bad write *** or grievances of any kind the whole 44 1/2 years!NEXT INSURANCE TOLD *********************** that $550.00 was charged for people working for my Daycare Liability Insurance!I DONT HAVE ANYONE WORKING FOR ME AND THEY NEVER CHARGED ME LAST YEAR SO THEY KNEW THAT NO ONE WORKED FOR ME FOR MY CHILDCARE PROGRAM!*********************** asked NEXT INSURANCE to please reimbursed me back the $550.00 because I had NO ONE WORKING FOR ME!I WORK ALL ALONENEXT INSURANCE told *********************** that they were NOT going to give me back the $550.00 that they were going to keep it!They NEVER GAVE ME A STATEMENT OR COMMUNICATED WITH ME IN ANY WAY TO SEE IF I HAD ANYONE WORKING FOR ME AND I DIDNT HAVE ANYONE WORKING FOR ME LAST YEAR!I NEVER GAVE THEM PERMISSION TO TAKE THAT EXTRA $550.00 OUT OF MY BANK ACCOUNT!This is so wrong to just help themselves to my bank account without letting me know or give me any warning that they were going to take that extra money out of my bank account and they could have bounced a lot of checks in my bank account not warning me what they were doing first they just helped themself freely to my bank account!I would like them to give me my $550.00 back because I dont need that Liability Insurance because I dont have anyone working for me and I dont plan on having any back up daycare helpers!

  

  Business Response

  Date: 06/06/2024

  Hi *****,
  
  Thank you for taking the time to leave us a review. Your comment concerns us and we looked into this matter for you. Upon further review of your account, we were able to find that emails in regards to your upcoming renewal and premium difference were sent on 04/05/2024 and again on 05/01/2024. The emails were sent to both you at ************************ and the designated ********************* Insurance agent at ******************************************* For your records, we have resent the email containing the renewal documents. In addition, we do not have any communication with the agent where a refund was denied or that the increase in premium was due to employees working for your business. The increase in premium was related to a report performed by a consumer reporting agency, LexisNexis. Unfortunately, were unable to alter their decision and adjust your policy price at this time. We sincerely apologize for any inconvenience this has caused. If you would like more information about this report, please reach out to LexisNexis directly. LexisNexis *************** P.O. Box ****** Attn. Life *******, GA 30348-5108. If you have any further questions, comments, or concerns, please feel free to email us at ********************************** or give us a call at **************. We have live agents available Monday-Friday, 8 AM - 5PM CST. We are happy to help in any way we can!
  
  Sincerely, The NEXT Team
  
  
  
  

• Initial Complaint

  Date:05/29/2024

  Type:Customer Service Issues
  Status:

  AnsweredMore info

  Complaint statuses

  Resolved:

  The complainant verified the issue was resolved to their satisfaction.

  Unresolved:

  The business responded to the dispute but failed to make a good faith effort to resolve it.

  Answered:

  The business addressed the issues within the complaint, but the consumer either a) did not accept the response, OR b) did not notify BBB as to their satisfaction.

  Unanswered:

  The business failed to respond to the dispute.

  Unpursuable:

  BBB is unable to locate the business.

  I have had the unfortunate luck of being robbed of my truck, euipment an tools along with a 2nd theft of tools from a trailer. Both with in a couple of weeks. Next insurance claims to resolve claims in 48hrs. My first claim took 1 month for them to state they are denying the claim due to the fact that i stated it may have been a former employee. Not only did it take them a month to tell me that , if my next ins.advocate whom I still have not spoke with. They would have learned that the guy I thought was responsible was and still is in jail . If they took th etime to speak with the police, they would have been told by police. WHat they did for 1 month is beyond me. The 2nd claim I filed they included in the 1st claim and denied both and the 2nd claim, I had not even provided a sworn statement or explanation of the theft. Yet the denied it. Makes no sense, I have sent 12 emails and scxheduled 2 phone appointments through there system, and not recieved a reply. The denial letter and another leetter that came via email do not even have an accurate email address as the commercial manager whom sent me a letter leaves an email address that is not active. I havew managed to get anopther rep on the line after dialking for hours and trying every option possible on the recording. Only to be told they do not have any information or couldnt provide the name of a manager. I have had nothing but the run around and I need to be paid for my loss.,

  

  Business Response

  Date: 06/03/2024

  Hi ***, 
  
  Thank you for taking the time to leave us a review. Your comment concerns us and we looked into this matter for you. Upon further review of your account, we weren't able to find any previous phone communication with our team or any scheduled meetings with you. However, we are dedicated to our promise of providing 100% phenomenal service and are determined on making this right if we have failed to do so! Please email us at ********************************** with a time and date that works best for you and a member will be in contact ASAP! In regards to your claim(s), please know our claims are handled on a claim-by-claim basis and subject to policy terms and conditions. Due to legal reasons, we cannot disclose any information publicly regarding claims. If you have any questions regarding your claim, please reach out to your claim's advocate at *************************************** If you have any further questions, please feel free to send us an email at ********************************** or give us a call at ************. Our hours of operation are Monday - Friday, 8AM - 5PM CST. We'd be happy to answer any questions you may have!
  
  Sincerely, The NEXT Team