Categories
Review 2026
BestGuide Score
4.0
out of 5
According to BestGuide’s expert panel, Simply Business scores 4.0/5.0, driven by its access to tailored policies for over 400 business types. This digital broker has facilitated coverage for over 1 million businesses worldwide by partnering with top-rated carriers like Travelers. However, its lower satisfaction rating of 75% in our analysis reflects limitations such as restricted phone support hours and online cancellation challenges.
Simply Business earns an Expert Score of 4.0/5.0 from BestGuide, ranking it as a reliable digital brokerage platform for small business owners seeking rapid comparison options. In this Simply Business review, we analyze how the firm connects sole proprietors and LLC owners to commercial policies from top-tier carrier partners. Over 1 million business owners have purchased policies through this platform since its inception.
When assessing online business insurance options, many shoppers look at Simply Business reviews to judge if the digital-first model fits their needs. The brokerage specializes in consolidating quotes from independent insurers, allowing you to secure general liability or workers’ comp coverage without calling multiple agents.
Compare Simply Business with other top-rated business insurance companies to see how it stacks up.
To begin, you enter your industry, zip code, and revenue metrics into the Simply Business digital quoting tool. The system evaluates business profiles across 400 distinct industries to match your operations with compatible carriers. Most users complete this initial online questionnaire in 3-10 minutes.
Once submitted, the platform queries its network of partner carriers, which includes national insurance companies such as Travelers and Hiscox. The tool generates customized rate options showing annual premium totals and policy limits. You can compare these choices instantly without waiting days for manual underwriting.
After selecting a policy, you bind the coverage online and receive instant proof of insurance via email. Simply Business acts as the administrator, though the actual underwriting company remains the carrier you selected. While you can download certificates of insurance 24/7, modifications or cancellations must be handled via phone during designated business hours.
This platform is best for micro-businesses and LLC owners who want to compare quotes from multiple carriers without manual outreach. Specifically, if your company has fewer than 10 employees and requires standard general liability coverage starting at $20.75 per month, this service saves significant administrative time.
However, Simply Business is not ideal for larger, complex enterprises requiring specialized risk management, custom policy endorsements, or hand-tailored fleet coverage. Furthermore, businesses that prefer a single direct underwriter rather than an intermediary brokerage should look elsewhere.
Carrier Aggregation Model: Unlike traditional single-carrier insurers, Simply Business operates as an independent digital agency. We found that the platform queries up to a dozen underwriters simultaneously, which provides a broader comparison than searching individual carriers.
Micro-Business Specialization: The brokerage has optimized its underwriting filters for over 400 small business niches. This allows highly specialized sole proprietors, such as freelance writers, landscapers, or local cleaners, to find targeted coverage policies that standard commercial insurers often reject.
Instant Proof of Insurance: Upon completing your purchase, the platform delivers digital certificates of insurance in less than 5 minutes. This rapid processing matches the pace of modern contractors who need to show immediate proof of coverage to enter a work site.
| Pros | Cons |
|---|---|
| Broad Carrier Choice: Access policies from major carriers including Travelers and CNA. | No Direct Underwriting: Simply Business acts as a broker, so claims are handled by third-party insurers. |
| Low Starting Premiums: General liability policies start from $20.75 per month, below average. | Support Access Limits: Phone service is restricted to weekday hours, with no human support on weekends. |
| High Verified Ratings: Maintains a 4.6 out of 5.0 score on Trustpilot from over 1,600 ratings. | Cancellation Hurdles: Users cannot cancel policies or disable auto-renewal directly online. |
Yes, Simply Business is a highly legitimate digital insurance broker. Founded in the UK in 2005, the firm expanded its operations to the United States in 2017. In August 2017, the organization was acquired by The Travelers Companies, one of the largest financial service corporations in the United States, for $490 million, establishing massive financial stability behind the broker.
The company operates dual headquarters in London, UK, and Boston, Massachusetts. Simply Business has served over 1 million small business owners globally. Because the platform works with established carriers rated A or higher by A.M. Best, you are assured that the underlying policy holding your risk is backed by strong capital reserves.
Based on BestGuide’s rigorous service evaluation methodology, our expert panel awarded Simply Business an overall Expert Score of 4.0/5.0. This score ranks the brokerage slightly above the digital commercial insurance vertical average of 3.8/5.0.
Our evaluation breaks down across five main service categories. Simply Business earned its highest marks in Reputation (85%) and Scalability (85%), reflecting the backing of its parent company, Travelers, and its national service reach. The lowest mark was in Transparency (70%), which stems from the inability to view quotes without providing business identification details and the online cancellation limitations. Customer Satisfaction scored 75% due to mixed consumer feedback regarding post-purchase phone service wait times.
While the average cost of business insurance across the broader industry is $97 per month, Simply Business offers entry-level options that are highly competitive. This places the broker in the lower-to-mid range for business insurance costs. Your actual price varies depending on your payroll, industry, and claim history.
| Policy Type | Starting Price (Per Month) |
|---|---|
| General Liability Insurance | from $20.75 |
| Professional Liability / E&O | from $25.83 |
| Workers’ Compensation Insurance | from $38.91 |
Why it matters: securing a low entry-level price allows new businesses to satisfy lease agreements or client contract demands without exhausting capital.
Simply Business earns an Expert Score of 4.0/5.0 from the BestGuide editorial team. This Simply Business review highlights the platform’s exceptional capacity to aggregate quotes for over 400 specialized business types quickly. Backed by its $490 million parent company, Travelers, the platform offers small business owners competitive pricing starting from $20.75 per month for general liability.
However, a key limitation remains: Simply Business is a broker rather than an underwriter, meaning actual claim payments depend entirely on third-party partners. Additionally, mixed customer Simply Business reviews mention difficulties canceling policies and restricted phone hours for service issues. This makes the platform less ideal for operators who desire a dedicated, single-carrier relationship. For most small business owners seeking fast comparison, it remains an excellent tool.
See our full Buyers Guide for the best business insurance companies before making your decision.
What do experts say about Simply Business?
BestGuide experts award Simply Business an overall Expert Score of 4.0/5.0. They highlight its extensive carrier network covering 400 industries, but point to its 70% rating in Transparency due to offline cancellation policies.
Is Simply Business worth it in 2026?
Yes, Simply Business remains worth it for micro-businesses looking to quickly secure general liability rates starting from $20.75 per month. The broker has served over 1 million customers, providing rapid certificates of insurance in under 5 minutes.
How does Simply Business compare to other business insurance companies?
Simply Business scores a 4.0/5.0, surpassing the digital marketplace average score of 3.8/5.0. Unlike direct underwriters like Travelers or The Hartford, Simply Business acts strictly as a brokerage comparing multiple carriers.
How much does Simply Business insurance cost?
Simply Business general liability premiums start at $20.75 per month. While the average US commercial policy costs $97 per month, your total price depends heavily on your payroll size, location, and industry classification.
What states does Simply Business cover?
Simply Business licenses cover 48 US states, excluding only Alaska and Hawaii. The exact insurance options available to you will depend on the geographical availability of their third-party carrier network.
How do I know when I need workers’ compensation insurance?
Most states legally require workers’ compensation if you have 1 or more employees. Purchasing coverage through partner carriers can cost from $38.91 per month, helping protect your business from work-related injury liabilities.
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