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mlucarelli@nxtb.net
(516) 421-6786

Next Business Solutions

Professional insurance advice

Specializing in Group Health, Life Insurance, Disability, Long Term Care, Medicare, and Retirement Planning

6 Major benefits of working with an independent agent

We work with multiple insurance companies.

We work with different insurance companies that offer a wide variety of coverage options and price points


We are licensed professionals

We are licensed experts and can explain the complexities of insurance in simple terms, helping you make smart decisions


We work for you and will be your advocate

We are your agent and your advocate working with the insurance company on your behalf


We offer a wide variety of insurance solutions

We offer one-stop shopping we can often meet all of your insurance needs as we work with multiple insurance companies


We are your neighborhood friend

As independent agents, we are your neighbors we understand the benefits and challenges of living in our locale


We are your lifelong consultants

We are connected for a lifetime and we are happy to periodically review your coverage

Next Business Solutions aims to Provide Expert care and Quality Service.

Started in 2008 by Michael Lucarelli, Next Business Solutions is an Insurance agency based in Melville, New York. After twenty-five years in the restaurant business and being in control of his destiny and financial future, Michael acquired firsthand knowledge of the dedication, energy, and planning required to run a successful business. He has a special admiration for small businesses and understands the many challenges owners face to provide for their employees and their families.

Leaving the restaurant business in 2008, Michael set out to use his personal experiences to positively impact small businesses by assisting business owners with critical financial decisions. Group Health, Life Insurance, Disability, Long Term Care, Medicare, and Retirement Planning are at the top of our list of priorities for every business.

At Next Business Solutions, we believe securing each client's financial future is essential. Consulting with a team of experienced professionals and taking a practical approach to Business and Personal planning has helped us build many long-lasting relationships based on trust and integrity.

We are always looking to meet new people and add new members to our team. So please don't hesitate to contact us at our office in Melville, New York and let us know how we can help you grow your business.

We are experienced, reliable and professional.

You can count on us for high-quality services because our experts have been in the industry long enough to know what matters most to you: good customer service and quality guidance.

Personal Insurance

Personal insurance plays a central role in your financial well-being. It can help provide financial security and keep your assets protected.

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Business Insurance

Business insurance is important as it can help protect your company from potential lawsuits or financial losses.

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Employee Benefits

Employees are a company's most valuable asset. Comprehensive employee benefits can attract, motivate and retain employees.

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Multiple coverage options to choose from

Knowledgeable advisors to help you

100% customer satisfaction

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Insurance Coverage

Home Insurance Coverage
Renters Insurance Coverage
Auto Insurance Coverage
Business Owner Coverage
Key Person Life Coverage
Fleet Insurance Coverage
Cyber Insurance Coverage

Home Insurance Coverage

Risk Factors

You return from a family vacation to discover thieves have stolen electronic equipment from your media room.

Solution

If your possessions are stolen, damaged or destroyed in an insured loss, your home insurance coverage can help replace them, up to the policy’s stated limits.

Renters Insurance Coverage

Risk Factors

On an especially gusty day, strong winds push a small potted plant off your apartment’s balcony and onto a neighbour who is passing below. He is seriously bruised, and decides to sue.

Solution

Renters liability coverage under renters insurance may help if you’re responsible for an injury to someone outside your household.

Auto Insurance Coverage

Risk Factors

You suffer minor injuries when another driver runs a red light and clips your car’s rear fender. On top of it all, the driver doesn’t have auto insurance.

Solution

Uninsured motorist coverage covers the costs of your bodily injuries — up to your policy limit – when they are caused by an at-fault driver without any auto insurance.

Business Owner Coverage

Risk Factors

A business owner would require to take various types of insurance coverage to cover each risk. This can cost them more if they take it separately.

Solution

A business owner policy packages all the required coverage a business owner would need. BOPs often include business interruption, property, vehicle, liability, and crime insurance. Typically, a business owner will save money by choosing a BOP because the bundle of services often costs less than the total cost of all the individual coverage.

Key Person Life Coverage

Risk Factors

A company fails to retain its clients or uphold its reputation based on a particular employee’s skills or name (like a partner at a law firm).

Solution

Key Person Life insurance can be taken to retain clients and uphold their reputation.

Fleet Insurance Coverage

Risk Factors

Your driver meets with accident while driving a company vehicle at night and incurs great damage to your vehicle along with the goods in transit.

Solution

Many policy providers offer coverage for fleet overnight since some businesses might need their vehicles to transport goods within one night.

Cyber Insurance Coverage

Risk Factors

Your office system got hacked, and personally identifiable information was stolen. So you had to hire a public relations firm to restore your brand image.

Solution

Cyber Insurance would cover any loss and pay for hiring a public relations firm.

Testimonials

Denise VinelliDenise Vinelli
22:37 27 Oct 21
Mike Lucarelli has been wonderful and a huge help with our medical Insurance. He was actually able to help us find a less expensive policy that was comparable.It has been great doing business with him! We highly recommend him.
Christine CozettiChristine Cozetti
20:17 22 Oct 21
KFA Dental has been working with Michael Lucarelli for the past few years. He is always very professional and has vast knowledge when it comes to our insurance needs for our entire team. No matter when we reach out to him, he is always available to provide us with answers to our questions. We look forward working together for years to come.
Madelyn ShmidtMadelyn Shmidt
17:50 14 Oct 21
We have worked with Michael Lucarelli and his staff for several years. I can't speak highly enough about him and the company. As an owner of a service business, I well realize the value of customer service. Michael and his staff are responsive, helpful, knowledgeable and all around a pleasure to deal with. They make us feel as if we were the most important clients they have. We couldn't ask for better!!!
Jamie TornatoreJamie Tornatore
05:50 28 Sep 21
Michael is a reliable professional offering honest information and guidance. He has helped us through many decisions that improved our lives and comfort. He is a hard worker and a good human being. We recommend him highly to anyone looking for insurance and wants the best value.Dr. and Mrs. Tornatore
Glen RoilandGlen Roiland
18:15 17 Sep 21
We have been working with Mike and his staff for a few years now. He is always on top of everything and keeps in tough with us though out the year. He really goes out of his way to make sure you get what is right for you. I would recommend him to anyone that is looking for group health insurance.
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As an independent agency, we are here to help you find the right coverage.
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mlucarelli@nxtb.net
(516) 421-6786
115 Broadhollow Road Suite 375
 Melville, NY 11747 USA

Melville, NY

We extend coverage to individuals and businesses in Melville, NY and surrounding areas.
We extend coverage to individuals and businesses in Melville, NY and surrounding areas.
mlucarelli@nxtb.net
(516) 421-6786
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