Simply Business Insurance Review 2024: Wide Range of Insurance Policies

Bryan Keith

Simply Business is an online insurance brokerage that provides insurance quotes from multiple providers. Serving a range of business types, policies can be adapted to meet your specific business requirements. Whether you’re a photographer, plumber, or interior designer, Simply Business can help you get the right liability coverage for your small business.

Overall rating


Summary: Simply Business can provide you coverage for various incidents with its wide range of policies.

Simply Business Insurance

simply business logo


Coverage Up To

$0 - $2,000




Policy Application


Fees & Coverage Options


Industries Covered


Claim Support


Customer Service


Safe & Secure


  • Strong customer satisfaction
  • Fast and easy application process


  • Claims must be filed through your insurance provider
  • Policies are through a third-party

Best For

  • Multiple policies available
  • Quotes available from multiple providers
  • Small businesses


HQBoston, USA
Annual CoverageUp to $1,000,000
Deductibles$0 to $2000
Business RevenueLess than $9M annually for eligibility
Employee Headcount1 – 51+
Restricted StatesAvailable in all States

In depth review on Simply Business Insurance

Simply Business provides insurance policies for a range of professions and small businesses. Partnering with a range of large insurance providers, you can easily compare quotes and policies in just a few clicks. 

Simply Business is best for

  • Multiple policies available: A range of policies are available, so you can tailor business insurance to your needs. 
  • Quotes available from multiple providers: Simply Business connects businesses with insurance providers, allowing you to compare quotes from multiple providers in one place.  
  • Small businesses: Policies are designed for a range of small businesses including photographers, carpenters, and interior designers. 

Simply Business benefits  

  • Strong customer satisfaction: Simply Business has a strong customer satisfaction rating on Trustpilot with many customers enjoying the ease of the application process. 
  • Fast and easy application process: You can obtain a quote in under ten minutes and have peace of mind that your business is insured over the next 12 months. 

Simply Business drawbacks  

  • Policies are through a third party: When you take out a policy with Simply Business, it’s a good idea to check the ratings and reviews of the third-party insurance provider, as all claims will be made through them. 
  • Claims must be filed through your insurance provider: You cannot file claims through Simply Business, but they will connect you to your insurance provider. 

Policy application


You can receive a quote from Simply Business online in just a few minutes by providing some basic information. To start the quote process, you’ll need to provide:  

  • Your trade/profession
  • Location of business
  • Number of years in business
  • Confirm whether your business operates from home
  • Number of owned or rented business locations
  • The legal structure of the business
  • Secondary services provided
  • Contact details
  • Employee details
  • Business activities

Once you choose your policy details, you can review your quote and purchase your policy online. If you have any questions, you can ask for help via the chatbox and a trusted agent will get back to you with a response. 

Fees and coverage options


Simply Business offers a range of insurance policies to choose from. These include:

  • General liability insurance: Covers basic risk factors such as third-party accidents, property damage, and bodily injury. It can reimburse you for the cost of lawsuits, settlements, and medical expenses. 
  • Workers’ compensation insurance: Many states require you to have workers’ compensation insurance in place from the moment you hire your first employee. Policies can cover you for claims where an employee gets sick or injured while at work and help pay for employee benefits such as lost wages and disability. 
  • Professional liability insurance (E&O insurance): Policies cover the legal defense costs for your business if a client suffers a financial loss due to a professional mistake or negligence. Coverage can include legal defense costs, breach of contract, missed deadlines, and settlements.
  • Home-based business insurance: Traditional homeowner insurance policies do not cover accidents or unexpected events that arise due to running a business at home. Home-based insurance policies include coverage for general liability insurance and professional liability insurance which can provide additional protection for your business. 
  • Cyber liability insurance: If you run your business online, you could come under attack from hackers trying to steal proprietary information, payment information, and customer data. Cyber insurance can cover the cost of claims due to data breaches, fraud, cyberattacks, phishing, and time-consuming incidents that cause reputational harm to the business.
  • Business personal property insurance: Provides coverage for property such as equipment, furniture, and fixtures that you use inside your workspace. Coverage can include theft, damage, and loss of business property. 
  • Inland marine insurance: An inland marine policy protects your business against damage, loss, and theft of business tools and equipment. 

Additional policies such as commercial auto insurance and product liability insurance may be available through partners of Simply Business. It’s important to note that each third-party provider will have different coverage options, exclusions, and limits so be mindful to read the terms and conditions before you take out a policy. 

Many factors will determine the price of your business insurance policy. Some of these factors include: 

  • Industry: Certain industries have greater risk factors than others. For instance, when taking out cyber liability insurance, an eCommerce business is more likely to be targeted for a cyber-attack, which can raise the premium. 
  • Products and services: Some products may carry safety hazards that could increase the risk of a customer getting injured. This will be reflected in the insurance premium. 
  • Location: If there are a high number of lawsuits in your area, this can result in a higher price for your insurance policy.
  • The number of employees: As your business grows so will the number of employees you have which can increase the risk of mistakes and accidents. Workers’ compensation insurance costs will go up as you hire more employees. 
  • Revenue: As your revenue grows, so does your business and the number of transactions with customers. This can increase the risk of a claim being filed against your business. 
  • Number of years in business: More experienced business owners are less likely to make professional mistakes that could prove costly. This will likely lower the insurance premium. 
  • Coverage limits: Typically, the higher your coverage limits, the more expensive your insurance policy will be. Many insurers allow you to adjust coverage limits to fit your business needs and budget. 

Industries covered


Simply Business covers a range of small businesses, professions, and industries. Some of these include:

  • Accounting
  • Actuarial services
  • Aerobics instructor
  • Antique stores
  • Photographers
  • Painters
  • Carpenters
  • Brand consultants
  • Candle stores
  • Catering
  • Civil engineering
  • Ecommerce
  • Cleaners
  • Landscaping
  • Real estate agents
  • Dentists
  • Dog walking
  • Jewelry stores
  • Land surveyors
  • Pet training
  • Plumbing
  • Yoga instructors
  • Website designers
  • Trucking and transportation services
  • Wedding planner
  • Shoe stores

A full list of professions and industries covered by Simply Business can be found on their website. If you cannot find your profession on the list, you can call or email customer service for clarification, as you may still be eligible for coverage. 

Claim support  


Simply Business does not provide support during the claims process. However, they will help connect you with your insurance provider so that you can file a claim quickly. 

If you are unsure of who your insurer is or you have misplaced your policy documents, you can call Simply Business at (855) 769-6958 or send an email to

Customer service


If you have a question about your quote or need to make a claim, you can get in touch with Simply Business Monday-Friday: 8 am – 8 pm ET. 

There is a useful FAQ page on the website which could answer some of your questions before you get in touch.

Safe and secure  


When taking out a policy with Simply Business, it’s a good idea to double-check the reputation and reviews of the insurance provider you are looking to purchase a plan from. Each insurance provider will have its own rating and policies. 

Is Simply Business right for you?

Simply Business connects business owners with insurance providers, saving you the time and energy needed to shop around and obtain individual quotes. In a matter of minutes, you can obtain a quote and have peace of mind that your business is fully covered for risk factors that could lead to a financial loss or legal liability. 

When taking out a policy, you should fully read the policy documentation to ensure that the coverage type and limits are adequate for your business needs. If you require additional policies, you can reach out to insurers directly for any add-ons or coverage options available. 

Look out for discounts and offers if you’re buying multiple coverage types as many insurers provide savings when you purchase bundled policies.