Shopping for business insurance one company at a time takes hours. You fill in the same form again and again.
Simply Business works another way. You answer questions once. Then you compare quotes side by side from top-rated insurers. This guide shows you what it costs, what they cover, and who it suits.
Simply Business Offers You Can Use
Here is what we found on the Simply Business site.
- Rates as low as $20.75 a month. This is the general liability starting price.
- Save up to 20% on selected policies. This line shows in the site description. We could not confirm dates or terms, so read them on the site.
- Quote in about 10 minutes.
- Free tools and templates. The site has a glossary, guides and cost-by-cover pages.
- Certificates of insurance. You can download them any time in your online account.
Prices are estimates. They come from the 10th percentile of policies sold. Your final price may change.
Starting Prices by Cover Type
| Cover | Monthly estimate |
|---|---|
| General liability | $20.75 |
| Workers’ compensation | $38.91 |
| Professional liability | $25.83 |
| Business owner’s policy | $33.75 |
Best for: owners who want a quick sense of cost before they start.
Tip: do not budget by this table alone. Run the quote.
How Simply Business Works
- You answer questions about your business.
- The site searches 18 top-rated carriers.
- You see quotes side by side.
- You pick the one you like.
Each insurer handles claims on its own policies. The Support Center has a claims link.
Cover You Can Buy
General liability. Helps when someone claims you hurt them or damaged their property.
Workers’ compensation. Helps pay for injuries at work.
Professional liability. Helps when a client says your work caused a loss. Also called errors and omissions.
Business owner’s policy. Bundles property and liability in one plan.
Inland marine. For tools and gear that move from job to job.
Simply Business says it covers more than 400 business types.
Simply Business vs Hiscox vs Next vs biBerk
| Feature | Simply Business | Hiscox | Next Insurance | biBerk |
|---|---|---|---|---|
| Model | Compares insurers | One insurer | One insurer | One insurer family |
| General liability start | $20.75 a month | $30 a month | $19 a month | Not listed |
| Time to quote | About 10 minutes | Minutes | Under 10 minutes to buy | Minutes |
| Customers | 1 million+ worldwide | 600,000+ small businesses | 750,000+ | Not listed |
Best for: pick Simply Business if you want to see more than one price.
Why Consider Simply Business
- One form. You do not fill out ten.
- Side-by-side prices. You see choices in one place.
- Many business types. More than 400 types are listed.
- Learning tools. Guides and templates are free.
- Documents on demand. Download your certificate any time.
Who Simply Business Fits Best
- First-time owners who do not know where to start.
- Freelancers who need professional cover.
- Trades and contractors who need liability proof.
- Shop owners who want a bundle.
- Price shoppers who want to compare.
Why Comparing Helps
Prices for the same cover can differ a lot from one insurer to the next. When you ask only one company, you only see one price.
With Simply Business, you answer once, and the site searches 18 top-rated carriers. You see the quotes side by side. You can then weigh price, limits and cover type.
Do not pick on price alone. A low price with low limits may not protect you enough. Look at what each plan covers. Then choose.
Help After You Buy
Buying is only the first step.
Your online account lets you download certificates of insurance 24 hours a day. That is useful when a client or landlord asks for proof.
If you need to file a claim, remember that each provider handles claims on its own policies. The Simply Business Support Center has a claims link to get you started.
Free Learning Tools
New owners often have questions. Simply Business has a free glossary, a blog, an FAQ and tools and templates. It also has cost guides by cover type.
Read the glossary before you shop. Terms like limits, premium and endorsement are easier to understand when you see them in plain words.
Which Cover Do You Need First?
Start with the risk that worries you most.
If customers visit you, start with general liability. It starts at $20.75 a month on the Simply Business estimate. If you have staff, look at workers’ compensation. It starts at $38.91 a month. If you give advice or services, look at professional liability, which starts at $25.83. If you want a bundle, look at a business owner’s policy at $33.75.
Tips Before You Quote
- Gather your yearly sales and staff count.
- Write down what your business does.
- Know which clients ask for proof of cover.
- Compare limits as well as price.
A Simple Plan for Your Quote
Gather your business details. Open the Simply Business site. Answer the questions. Compare the quotes. Look at limits, price and cover type. Choose a plan. Download your certificate if a client needs it.
If you need more than one cover, ask for each in the same session. That can save time.
Why Owners Like Fast Quotes
Time is money for a small business. A quote in about 10 minutes means you can get back to work. Fewer forms mean fewer mistakes.
What the Price Estimate Means
The prices on the Simply Business site are estimates. They come from the 10th percentile of policies sold. That means they are on the low side of what was sold. Your price can be higher.
The final price can change after you answer the questions. That is normal in insurance. The quote is the number that matters, so run it before you decide.
Cover Checklist for New Owners
- List the places you work.
- List the tools and gear you own.
- Count your staff.
- Ask what your clients require.
- Write down your yearly sales.
With that list in hand, the quote goes faster. You also make fewer mistakes.
Who Should Compare First
Owners with simple needs may find a good price in one try. Owners with unusual work should compare more. If you work in one of the 400 business types listed, the site can match you faster.
FAQs
How long does a quote take?
About 10 minutes.
Does it compare insurers?
Yes. It searches leading insurers.
What does general liability cost?
Rates start as low as $20.75 a month.
Who handles claims?
Each insurer handles its own claims.
Can I get a certificate?
Yes. Download it any time in your account.
Final Verdict
Simply Business saves time. You answer once and compare many quotes. Check the limits, then choose the plan that fits your work.
