Simply Business is a company that helps small business owners and landlords buy insurance online. You fill out a short form about your business. Then, the site gives you quotes from top insurance companies. These include names like AXA, Hiscox, and Zurich.
You can compare prices and choose what works best for your business. Once you buy a policy, you get your insurance documents by email. You can also log in to a dashboard to manage everything.
The company started in the UK in 2005. In 2017, Travelers, a large US insurance group, bought it. Today, Simply Business serves over 900000 businesses in the UK and the US. It has offices in London, Northampton, Boston, and Atlanta. It also employs more than 1000 people.
How Simply Business Works
Here is how it works in simple steps:
- You go to their website.
- You fill out a form with your business type and needs.
- The system shows quotes from different insurance companies.
- You pick the one you like.
- You pay online.
- You get your documents by email.
You do not need to talk to anyone unless you want help. You can finish the whole process in less than 10 minutes. After you buy, you get a login. There, you can check your documents, make changes, or file a claim.
What You Get from Simply Business
You can use Simply Business to find many types of insurance. Here are the most common ones:
Public liability insurance
Covers you if someone gets hurt or something is damaged because of your work.
Professional indemnity insurance
Protects you if a client says your advice or work caused them a loss.
Employers liability insurance
If you have workers, this covers you if one of them gets sick or hurt on the job.
Product liability insurance
Helps if something you sell causes harm or damage.
Landlord insurance
Covers your property and helps if a tenant makes a claim.
Business contents cover
Protects your tools, gear, or stock from fire, theft, or damage.
You can also find cover for cyber attacks, business interruption, and more.
Why Many People Like Simply Business
Many users like it because it is simple and quick. You do not need to call around or fill out long forms for each insurer. You enter your details once and get several quotes. You can compare them in one place.
Here are some reasons people use it:
- The website is easy to use
- You get many quotes in one go
- It works for many trades and jobs
- You can buy anytime, even on weekends
- You can manage your policy online
- Claims are open 24 hours a day
They work with trusted insurers. You get real cover, not just a quote. Once you pay, you are covered.
Simply Business is also a B Corp. That means they meet high standards for how they treat people, the planet, and their workers.
What to Watch Out For
Not every user has a great experience. Some people say it is hard to cancel a policy. Others say that filing a claim takes too long. Some report extra fees when they try to cancel or change a policy.
Here are common problems users report:
- Claims take weeks or months to resolve
- Some never got their policy documents
- Admin fees apply even if you cancel fast
- Support is slow during claims
One user said they tried to claim £4500 but spent over 200 hours waiting and only got £500. Another person said the price was great, but they had never filed a claim, so they could not say how good the support was.
If you think you may need help with a claim soon, or if you want to speak to someone face-to-face, this option may not be best for you.
Read- Simply Business Insurance: Easy, Fast Coverage for Small Businesses
Who Should Use Simply Business
This service works best for small businesses, landlords, and self-employed workers who want quick online cover. If you are a sole trader or run a small team, this service may help you save time and money.
Use Simply Business if you:
- Want quotes fast
- Like doing things online
- Know what kind of insurance you need
- Run a small shop, trade, or rental property
Avoid it if:
- You expect to file a claim soon
- You want to speak to someone in person
- You dislike online-only service
Tips Before You Buy
Here are some steps to follow to avoid trouble:
- Save your policy documents right away.
- Ask for the full schedule and read it.
- Check what is covered and what is not.
- Read the cancellation rules.
- Take screenshots of your quote and payment.
- Keep notes if you talk to support.
- Make sure the cover matches your job.
If you work in a rare trade, read all policy terms. Some generic policies may not protect your tools, advice, or property the way you think.
Final Thoughts
Simply Business helps you get business insurance online without stress. You can compare quotes, pick the best deal, and buy it right away. Many users find it simple, clear, and fast.
But there are downsides. Claims can take time. Support may be slow. Cancellations may cost more than you expect.
If you want full control online and know what cover you need, this service works well. But if you want help with claims or need advice before you buy, you may want a broker or local office.
Use it to compare your options. But read the fine print before you pay.
FAQs
What is Simply Business
It is an online broker that helps you buy business and landlord insurance. It gives quotes from several insurers so you can pick the best one.
Is Simply Business an insurance company
No. It is a broker. You buy the insurance from them, but the cover comes from big companies like AXA or Hiscox.
How fast can I get insured
You can get quotes in five to ten minutes. If you pay online, you get covered right away. Your documents are sent by email.
Can I claim at any time
Yes. Claims are open 24 hours a day. You fill out a form, and someone calls you to follow up. Claims may take days or weeks to settle.
What if I want to cancel
You can cancel, but you may pay a fee. Some users say they were charged for a full extra month even after they canceled early.
