Buying direct from NEXT or through Delegance
Buy direct from NEXT when one carrier's online price works for you and you want to manage the policy yourself. Buy through Delegance when you want NEXT's quote set beside other carriers' quotes, and a broker who handles certificates and marketplace requirements for you.
NEXT is one of the carriers Delegance places with, so you can end up with a NEXT policy either way.
Delegance charges a transparent 5% service fee, versus the 12% to 18% commission that traditional brokerages typically build into your premium.
| Direct from NEXT | Through Delegance | |
|---|---|---|
| Who you buy from | NEXT, the carrier | Delegance, a licensed broker |
| Carriers you compare | NEXT only | NEXT and other carriers that write your class |
| Who writes the policy | NEXT | The carrier you choose, NEXT included |
| Certificates of insurance | From NEXT | From Delegance, for any carrier you buy through us |
| Who you call with a question | NEXT's service team | A licensed Delegance broker |
When buying direct fits
- You need one policy and NEXT writes your business.
- You want to buy and manage the policy online on your own.
When a broker fits
- You want more than one carrier's price before you buy.
- You sell on marketplaces or to retailers that require specific certificate wording.
- You hold several policies, such as general liability, a BOP and cyber, and want one place to manage them.
What stays the same
The carrier writes the policy and pays the claims either way. A broker places and services the policy; it does not change who pays a claim.
Common questions
- Can I get a NEXT policy through Delegance?
- Yes. NEXT is one of the carriers Delegance places with. We show its quote next to other carriers that write your business.
- Who pays claims if I buy through Delegance?
- The carrier that writes your policy pays covered claims, the same as if you bought direct.
- What does Delegance charge?
- Delegance charges a transparent 5% service fee, versus the 12% to 18% commission that traditional brokerages typically build into your premium.
Sources, checked 2026-11-03
Delegance Brokerage is a licensed insurance broker (NPN 21282686). We are not affiliated with Amazon, Walmart, Etsy, Shopify or NEXT. Coverage depends on the policy you buy; read its terms.