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Simply Business Review
The insurance comparison marketplace that shows competing quotes from multiple carriers in minutes — best for finding the lowest price
Last reviewed: 2026-04-28 · By GBBR Editorial Team
Our Top Pick · Silver Tier
Simply Business
From $25/mo
The Bottom Line
Simply Business earns Silver because it solves a real problem: instead of getting one quote from one insurer, you get competing quotes from multiple carriers simultaneously — often finding 20-40% cheaper options than going direct. It's particularly useful for budget-sensitive small business owners who want to comparison shop before committing. Silver (not Gold) reflects the marketplace model's main trade-off: Simply Business doesn't underwrite your policy, so when you file a claim, you deal with the underlying carrier directly. It also covers fewer niche professions than Hiscox and is better suited to common trades and common coverage needs.
What is Simply Business?
Simply Business was founded in 2005 in London and launched US operations in 2018. It was acquired by Travelers Insurance in 2017 — one of the largest US insurers with an A++ AM Best rating — giving Simply Business strong institutional credibility while it operates as an independent comparison marketplace. Simply Business doesn't write its own policies; it partners with carriers like Markel, Employers, and Hiscox to show competing quotes in one session. It's most popular with freelancers, contractors, and small business owners who want to quickly find general liability or professional liability coverage without talking to an agent.
What does Simply Business offer?
Simply Business compares general liability, professional liability, business owner's policy, and workers' compensation quotes from multiple carriers. Coverage starts around $25/month for general liability. The quote process is fully online and takes 5–10 minutes — answer questions about your business and Simply Business surfaces quotes from its carrier network. You filter by price, coverage amount, and carrier, then purchase directly. Purchased policies are managed with the underlying carrier.
General Liability (from)
$25
/month
Professional Liability (from)
$22
/month
Business Owner's Policy (from)
$75
/month
Is Simply Business worth the price?
Comparison tool — often surfaces quotes 20-40% cheaper than going direct to a single insurer
Simply Business is the right move if you're price-sensitive and willing to compare options — you may save meaningfully on premiums at the cost of going through a carrier for claims rather than a single point of contact
Good valueHow we scored it
Overall score: 79/100
GL, PL, BOP, and workers' comp available — limited to what's in the carrier network for your state and profession
Fastest comparison experience in the category — multiple real quotes side-by-side in 5 minutes, no agent calls
Comparison model consistently surfaces lower prices than going direct — often 20-40% cheaper for equivalent coverage
Claims go directly to the underlying carrier (Markel, Employers, etc.) — Simply Business is not involved in claim resolution
Backed by Travelers Insurance (A++ AM Best) but your individual policy carrier varies — check your specific carrier's rating before binding
Phone and chat support during business hours for quote questions — post-purchase support shifts to your underlying carrier
Why Simply Business is Silver Tier
Simply Business earns Silver because the comparison model is genuinely useful — especially for price-conscious buyers — but falls short of Gold because it's a marketplace, not an insurer. When you file a claim, you deal with the underlying carrier (Markel, Employers, etc.), not Simply Business, which can create friction. It also doesn't cover the full breadth of professions that direct insurers like Hiscox cover, and quote availability varies by state and profession.
Pros & Cons
Pros
- ✓Compare quotes from multiple carriers at once — finds the lowest price without shopping separately
- ✓Fully online, 5-minute quote process with no agent calls required
- ✓Backed by Travelers Insurance — strong institutional credibility
- ✓Good coverage for common professions: contractors, cleaners, photographers, consultants
- ✓Free to use the comparison tool — you only pay for the policy you choose
Cons
- ✗Claims handled by the underlying carrier, not Simply Business — potential friction point
- ✗Carrier network varies by state and profession — not all quotes available everywhere
- ✗Less suitable for niche or complex coverage needs
- ✗No direct underwriting — you're a marketplace customer, not a direct insurer customer
- ✗Post-purchase support shifts to the carrier you selected
Ready to try Simply Business? Plans start at $25/mo.
Get Simply Business — from $25/mo →Simply Business earns Silver because the comparison model is genuinely useful — especially for price-conscious buyers — but falls short of Gold because it's a marketplace, not an insurer. When you file a claim, you deal with the underlying carrier (Markel, Employers, etc.), not Simply Business, which can create friction. It also doesn't cover the full breadth of professions that direct insurers like Hiscox cover, and quote availability varies by state and profession.
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