SimplyBusiness is a popular online insurance platform that helps small business owners, freelancers, and contractors find the right business insurance easily. It acts as a bridge between business owners and top insurance providers, offering fast quotes, affordable rates, and flexible coverage options.
Founded in the United Kingdom in 2005 and later expanding to the United States, SimplyBusiness has helped millions of small business owners protect their companies from financial risks. Its goal is simple—to make business insurance easy to understand and easy to buy.
2. Why Business Insurance Is Important
Running a business comes with risks. You might face property damage, customer lawsuits, or employee injuries. Business insurance protects you from these problems by covering the costs.
Here’s why it’s essential:
- It helps pay for damages or accidents.
- It builds trust with customers and partners.
- It meets legal or contract requirements.
- It keeps your business safe from unexpected losses.
SimplyBusiness makes this process smooth by letting you compare multiple insurance quotes in minutes.
3. How SimplyBusiness Works
The platform is built to be user-friendly. You don’t need to be an insurance expert to use it.
Here’s how it works step-by-step:
- Visit the website—Go to SimplyBusiness.com.
- Fill in business details—Enter your business type, size, and location.
- Get quotes instantly—The system searches top insurance companies and shows multiple options.
- Compare and choose – Pick the one that fits your budget and needs.
- Buy online—Complete the purchase in just a few clicks.
Within minutes, you can have your business fully insured—no phone calls or long forms needed.
4. Types of Insurance Offered by SimplyBusiness
SimplyBusiness offers different types of coverage depending on your business needs. Let’s explore the main ones:
4.1 General Liability Insurance
This is one of the most common types. It protects your business if a client or customer gets hurt or their property is damaged due to your work.
Example: A customer slips in your shop and breaks their phone—this insurance helps pay for it.
4.2 Professional Liability Insurance
Also known as Errors and Omissions insurance, this covers mistakes made while providing professional services.
Example: If you are a consultant and give wrong advice that causes a client to lose money, this insurance helps cover legal costs.
4.3 Workers’ Compensation Insurance
If you have employees, most states require this insurance. It covers medical bills and lost wages if an employee gets injured on the job.
4.4 Business Property Insurance
This protects your building, equipment, and tools from damage caused by fire, theft, or natural disasters.
4.5 Business Owner’s Policy (BOP)
This is a bundle that combines general liability and property insurance at a discounted price. It’s perfect for small businesses looking for full coverage in one plan.
5. Benefits of Using SimplyBusiness
SimplyBusiness stands out from other insurance platforms for several reasons:
- Fast and Easy Process: You can get insured in less than 10 minutes.
- Multiple Quotes: Compare offers from top insurance brands in one place.
- Affordable Plans: They find coverage that fits your budget.
- Customer Support: Friendly experts help you understand your policy.
- Trusted Partners: Works with leading insurance providers like Travelers, Hiscox, and CNA.
6. Who Can Use SimplyBusiness?
SimplyBusiness is designed for:
- Freelancers and contractors (like electricians, plumbers, or designers)
- Small business owners (like shop owners or cafés)
- Self-employed professionals (like consultants or real estate agents)
- Startup companies needing affordable coverage quickly
No matter your industry, the platform can help you find a policy that matches your business size and risk level.
7. How Much Does SimplyBusiness Insurance Cost?
The cost of insurance depends on several factors, including
- The type of business you run
- Your location
- The coverage limits you choose
- Your business size and revenue
Most small businesses spend between $25 and $60 per month for general liability insurance through SimplyBusiness. The company’s free quote system helps you find the best price without hidden fees.
8. Is SimplyBusiness Trustworthy?
Yes, SimplyBusiness has earned a strong reputation for transparency and reliability. It holds excellent customer reviews on trusted sites like Trustpilot and the Better Business Bureau (BBB).
Their process is clear—no hidden costs or confusing terms. Plus, they work only with licensed insurance providers.
9. Steps to Get Started with SimplyBusiness
- Visit www.simplybusiness.com
- Click on “Get a Quote.”
- Fill out your business information
- Review and compare available policies
- Select your preferred coverage
- Purchase the policy securely online
You will get your insurance certificate (proof of insurance) instantly by email.
10. Pros and Cons of SimplyBusiness
Pros & ConsEasy online process Not available in all states Quick comparison tool No mobile app yet Affordable insurance plans Limited specialty coverage Strong customer reviews Some policies may vary by insurer.
11. Final Thoughts
SimplyBusiness has changed how small business owners buy insurance. Instead of visiting agents or filling out piles of paperwork, you can now protect your business in minutes. The platform offers simplicity, speed, and peace of mind—three things every business owner values.
If you’re a freelancer, startup, or small company, SimplyBusiness is a smart and reliable way to find the coverage you need without the stress.
FAQs
Q1. What is SimplyBusiness?
SimplyBusiness is an online marketplace that helps small businesses compare and buy insurance from top providers quickly and easily.
Q2. Is SimplyBusiness an insurance company?
No, it’s not an insurance provider. It’s a broker that connects you with licensed insurance companies.
Q3. How long does it take to get insured?
Most users get a quote and purchase coverage in less than 10 minutes.
Q4. Can I cancel my policy anytime?
Yes, most policies allow you to cancel or modify your plan at any time.
Q5. Is SimplyBusiness available outside the U.S.?
Yes, it operates in both the United States and the United Kingdom.
