Right now, Simply Business is very helpful for small businesses looking for insurance online. They don’t sell insurance themselves—they act as a platform. They show you quotes from multiple insurance companies. Once you enter your business details, they display different offers side by side. You can choose the one that fits you best and make the payment online. Your insurance documents will be sent to your email right away.
They work with many insurance providers and serve small businesses in both the US and the UK. Simply Business started in the UK in 2005. Now, they cover many types of trades and have over one million customers. They do their work with a strong focus on trust and reliability.
How You Get Insurance
When you get started, everything begins online. First, you’ll need to share your business type, size, and location. Then, Simply Business uses that information to find quotes for you. You’ll see all the available options side by side. You can choose the one that suits you best and make your payment online. You can pay monthly or yearly—whichever is more convenient for you.
You’ll receive your insurance certificate within minutes. You can also log in anytime to view or make changes to your policy. If you ever need to file a claim, you can do it online or call their claims team. They’ll always give you full support because customer service is very important to them.
Types of Insurance You Can Get
- General Liability covers injuries or damage to others. It pays for legal costs and claims.
- Professional Liability (also errors and omissions) covers mistakes in advice or service.
- Property Insurance covers damage or theft of your business assets.
- Business Owner Policy (BOP) bundles liability, property, and income protection for a lower price.
- Workers Compensation covers medical costs and lost pay for worker injuries.
- Cyber Liability and other policies suit specific business types.
They support over 400 business types. You can find insurance that fits your work.
Why You Might Use Simply Business
Simply Business guides you through the entire process online. You can quickly compare quotes from different insurers. You also get your proof of insurance (certificate) on the same day. You can manage your policy yourself anytime through their online platform. You can choose between monthly or yearly payments—whatever works best for you. If you need help, support is available over the phone, and their team is very responsive.
If you prefer not to make calls or deal with local agents, this system is perfect for you. You don’t have to do much—they handle most of the process for you.
They also display many user ratings. On trusted review sites, their average rating is around 4 out of 5. They’re rated highly for their easy process, fast service, and affordable prices—putting them ahead of many other providers.
How Much You May Pay
Your cost depends on your business type, location, size, and past claims. If your business is simple, the cost may be lower. If it’s larger or more complex, the cost will naturally be higher.
For example, general liability insurance usually costs around $25 to $115 per month.
A business insurance bundle might cost between $40 and $100 per month, though it can vary slightly.
In the UK, prices typically start from around £20 per month.
If your business carries more risk, it’s normal for your premium to be higher.
Pros and Cons
Pros
- You get quick quotes from many insurers.
- You can buy insurance fast online.
- You manage your policy online any time.
- You can pay monthly or yearly.
- You get online tools for claims or you can call.
Cons
- Support hours may be limited.
- Renewals may happen automatically. Some users report hard cancellations and slow refunds.
- Some users say claims take a while. They say documents went missing or payouts were delayed.
Is It Right for You?
Use Simply Business if:
- You want to compare quotes fast online.
- You want flexibility and no agent calls.
- You want to control your policy via online portal.
Avoid if:
- You want a local agent.
- You value strong support and easier cancellation.
- You prefer working directly with an insurer.
Your renewal costs may rise. Try comparing every year. Keep notes and records. Cancel early if you want to switch.
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Tips to Use It Well
- Save your policy certificate and schedule right away.
- If auto renewal is not what you want, cancel early.
- Keep records of calls or chat about claims or cancellation.
- Compare quotes each year.
- Check your coverage limits. Make sure they match your needs.
- Report claims early. Use the online tool or call the team. Ask for confirmation.
Simply Business vs Direct Insurer
| Feature | Through Simply Business | Direct Insurer |
|---|---|---|
| Quote comparison | Yes, many insurers in one place | No, only your chosen insurer |
| Speed | Fast, same-day insurance | Can take longer, more calls |
| Policy access | Online portal | Depends on the insurer |
| Filing claims | Online system or call | You deal directly with insurer |
| Service | Some report delays | Varies by insurer |
| Cancellation | May be tricky for some users | Often easier direct |
| Renewal cost | Can rise each year | May stay stable or similar |
Final Thoughts
Simply Business gives you choice and control. You can compare and buy insurance fast. You can manage your policy online. It suits many self-employed and small business owners.
But remember user feedback. Some users say renewals and claims can be hard. Payouts may take time. You may want to compare prices and support directly each year.
Keep records. Stay on top of renewal dates. Cancel early if needed. With this approach, Simply Business can work well. If not, contact insurers directly.
