Our Partnership With E-Comp Now
Next Generation Payroll partners with E-Comp Now to place business insurance for our clients. E-Comp specializes in pay as you go workers compensation and works with a panel of carriers rather than a single one, which means your risk gets shopped instead of quoted once.
Because your payroll already runs through us, the reporting that normally makes workers comp painful, the estimates, the true-ups, the year-end audit, becomes a byproduct of something you already do every pay period.
- Multiple carriers competing for your business
- Premium calculated from real payroll, not estimates
- Premiums remitted directly to partner carriers
- Bundle discounts across multiple coverages
- One point of contact for payroll, HR, and coverage
Coverage Options
The coverages most businesses need, all in one place. Bundle a few and unlock additional discounts. Each one answers a specific way a business loses money, and the right combination depends on what you own, who you employ, and what you promise your customers.
Workers Compensation
Required in most states. Covers medical costs and lost wages when an employee is injured on the job, and shields the business from most injury lawsuits in exchange.
Why it matters: a single serious injury without coverage can exceed the annual premium many times over, and operating without it carries penalties in most states.
Business Owners Policy
Bundles property, general liability, and loss of income into one policy, usually at a lower combined cost than buying each separately.
Why it matters: the loss of income piece is the one owners overlook. It pays operating expenses while you rebuild after a fire or storm closes your doors.
Commercial Umbrella
Extra liability limits that kick in when your other policies max out, sitting above your general liability, auto, and employer liability coverage.
Why it matters: judgments routinely exceed primary limits. Umbrella coverage is among the cheapest protection per dollar of limit you can buy.
Commercial Auto
Coverage for vehicles and drivers used on company business, including owned, leased, hired, and in many cases employee vehicles driven for work.
Why it matters: personal auto policies exclude business use. If an employee runs an errand for you in their own car, the exposure lands on the business.
Employment Practices Liability
Defends against employee claims like wrongful termination, discrimination, and harassment, covering legal defense as well as settlements.
Why it matters: defense costs accrue whether or not the claim has merit. This is the coverage that most often pays for itself in a single incident.
Cyber Risk & Data Breach
Covers the cost of responding to data breaches and cyber attacks: forensics, notification, credit monitoring, legal counsel, and business interruption.
Why it matters: if you store employee Social Security numbers or customer payment data, you hold breach-notification obligations regardless of company size.
Professional Liability
Errors and omissions coverage for mistakes in the services you deliver, including advice given, work performed, and deadlines missed.
Why it matters: general liability covers bodily injury and property damage, not bad work product. For service firms, that gap is the main exposure.
Directors & Officers Liability
Protects board members and executives from personal liability for management decisions, covering defense costs and damages tied to their governance role.
Why it matters: without it, personal assets are on the table. Qualified board candidates increasingly decline to serve at organizations that do not carry it.
Our Insurance Carriers
We place coverage with a panel of national and regional carriers, which means your risk gets shopped rather than quoted once. A partial list of the companies we work with:
Find Out If Your Business Is Underinsured
Most businesses buy a policy once and renew it without reading it. Meanwhile the company grows, adds vehicles, hires in new states, takes on larger contracts, and buys equipment. The policy does not grow with you.
An insurance review compares what you own and owe against what your policies actually pay. Sometimes it finds a gap. Sometimes it finds you are paying for coverage you no longer need. Either way you learn where you stand before a claim tells you.
- Your headcount has changed by more than 20 percent
- You have added a location, a vehicle, or a new service line
- You now employ people in a state you did not before
- A client contract requires limits you have not verified
- Your premium rose at renewal without an explanation
- You have not shopped the coverage in three years
Workers Comp Is Only Half the Picture
Workers compensation covers an injury that happens on the job. It does nothing for the injury or illness that happens everywhere else, which is where the majority of disabling events occur. If you are already thinking about what happens when someone cannot work, finish the thought.
Disability coverage picks up where workers comp stops. It replaces income for months or years, regardless of where the event happened.
Short Term Disability
Replaces a portion of income for weeks to months after an injury, illness, surgery, or childbirth. Bridges the gap before long term coverage begins.
Long Term Disability
Replaces income for years, potentially to retirement age, when a serious condition keeps someone out of work. Covers events on and off the job.
Accident Insurance
Pays a cash benefit directly to the employee after a covered accident, used for deductibles, travel, childcare, or anything else health insurance will not touch.
Disability Overhead Expense
For owners. Personal disability coverage replaces your income, but the business still owes rent, payroll, and utilities while you are out. This pays those bills so the company survives your recovery.
Find Out What You Should Be Paying
Send us your current declarations page and we will run it against our carrier panel. If your coverage is right and priced well, we will tell you that too. Ready now? The form below takes a few minutes, and most of what we need you already have on hand.
- Legal business name, entity type, and years in operation
- Physical address of every location you operate from
- What your business actually does, in plain language
- Employee count and annual payroll by job classification
- Your experience modification rate, if you have one
- Claims history for the last three to five years
- Current carrier, current premium, and renewal date
- Vehicles, drivers, equipment, and property values
- Which coverages you want reviewed
Bring your current declarations page and loss runs and we can usually turn a comparison around quickly.