What Is Alliance Risk?
Alliance Risk suits tech startups from pre-seed through IPO that want a broker to review their tech E&O policy for free and shop specialist insurers; if you want to buy online in minutes, use a digital insurer. Quotes take 24 hours to ten business days, depending on your risk. 1,2,3
Simply Business: Online Small-Business Insurance Marketplace
Simply Business describes a digital marketplace and licensed-producer service for small businesses. The policy and selected insurer determine coverage, fees, servicing and claims responsibilities. 5,6
What Is Workers’ Compensation Insurance?
Workers’ compensation can pay medical care and part of an employee’s lost wages after a work-related injury or illness. If you have staff, check who is covered in each state; owners, contractors and some workers may be treated differently. 8,9,10,11
Key Differences in Workers’ Compensation Insurance
Alliance Risk adds employer-specific brokerage services
Alliance Risk describes state-by-state compliance review, claims and injury analysis, carrier negotiation and benchmarking, plus payroll audits and safety-program support. Simply Business publishes a general route to request workers’ compensation quotes, with availability varying by state, insurer and business details. Employers needing help with multi-state operations or audit corrections should ask what hands-on support comes with each placement. 4 6
Workforce complexity changes the eligibility discussion
Alliance Risk highlights construction, manufacturing and health care, plus employers using subcontractors, temps, seasonal workers or multi-state and remote staff. Simply Business notes rules vary by state and that a one-person LLC without employees may not need coverage in many states. Share payroll location, worker status and job duties to clarify requirements before comparing premiums. 4 7
Alliance Risk publishes indicative rates, not state benefits
Alliance Risk gives example price ranges per $100 of payroll by job risk and typical minimum premiums, while explaining statutory benefits depend on state law. Simply Business describes potential medical, rehabilitation, wage-replacement and death benefits but does not provide those price examples. Treat the ranges as preliminary and compare carrier quotes using the same payroll and class codes. 4 7
What to Confirm in Workers’ Compensation Insurance Quotes
- Give both providers payroll by state, job class, subcontractor status and prior claims; ask Alliance Risk to show its compliance review and Simply Business to confirm insurer availability. 4 6
- Ask for the carrier’s rates and statutory benefit schedule for your jurisdictions; Alliance Risk’s web ranges are indicative only. 4 7
Review Scores
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
Alliance Risk
Review Score
No reviews found
Alliance Risk has no customer ratings on the review sites we checked, so there's no Review Score yet. That says nothing bad about the company; it means you'll need to ask for references.[1][4][6]
Read Alliance Risk reviewsSimply Business
Review Score
4 rated sources
Customers disagree about Simply Business. Trustpilot shows 4.3 out of 5 from 1,901 reviews, but BBB customers give it 1.95 from 20 reviews and ConsumerAffairs shows 1.0.[6][10][7]
Read Simply Business reviewsOffering Details
Alliance Risk vs Simply Business: Workers’ Compensation Insurance: documented features by provider
| Criteria | Alliance Risk Workers' Compensation Insurance | Workers’ compensation insurance through Simply Business |
|---|---|---|
| Role in This Line | Alliance Risk places workers' compensation coverage and says it provides state-by-state compliance review, claims and injury analysis, and carrier negotiation and benchmarking as a broker service for this legally required line. 4Company-reported. Workers' Compensation Insurance page, "Our Approach" section. | Confirm in your quote. |
| Issuing Insurer | Alliance Risk's page notes that some states, including North Dakota, Ohio, Washington and Wyoming, require coverage through a state-run monopolistic fund, but it does not name the private insurers it places workers' comp with elsewhere. 4Not publicly disclosed. Workers' Compensation Insurance page, "Special Considerations by State" section. | Confirm in your quote. |
| Who It’s For | Alliance Risk says nearly any business with W-2 employees needs workers' comp in most states, and highlights construction, manufacturing and healthcare as high-risk industries, along with employers using subcontractors, temps, seasonal workers, or a multi-state or remote workforce. 4Company-reported. Workers' Compensation Insurance page, "Who Needs" section. | The page explains that requirements vary by state and that a one-person LLC without employees may not be required to carry the coverage in many states. This is general education, not a jurisdiction-specific legal determination. 7Company-reported. Company-published workers-compensation information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer. |
| Coverage Features | Alliance Risk describes workers' comp as covering medical expenses, partial lost-wage replacement, temporary or permanent disability payments, rehabilitation and death benefits, while excluding off-duty injuries, self-inflicted injuries, drug- or alcohol-related accidents, and owner or partner injuries unless added by endorsement. 4Company-reported. Workers' Compensation Insurance page, "What Does/Doesn't Cover" sections; the issued policy and state statute control actual terms. | The company’s page describes workers’ compensation as potentially covering medical, rehabilitation, wage-replacement and death benefits for employees injured or made ill at work; state law and policy terms affect benefits. 7Company-reported. Company-published workers-compensation information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer. |
| Limits and Retentions | Alliance Risk publishes indicative rate ranges per $100 of payroll (for example $0.25–$1.50 for low-risk office roles up to $7.00–$25.00+ for high-risk construction work) and typical minimum premiums of $250–$1,000 per year, but statutory benefit amounts are set by state law rather than published on the page. 4Company-reported. Workers' Compensation Insurance page, cost section; illustrative ranges, not a specific quote. | Confirm in your quote. |
| Risk Services | Alliance Risk lists workers' comp services including audits for misclassified payroll and incorrect experience modifiers, safety-program implementation through risk engineers, and structuring loss-sensitive versus guaranteed-cost programs. 4Company-reported. Workers' Compensation Insurance page, "The Alliance Risk Difference" section. | Confirm in your quote. |
| How to Apply | The reviewed workers' compensation page does not describe a line-specific document checklist for a quote beyond directing prospective clients to Alliance Risk's general contact and quote forms. 4Not found in reviewed sources. Workers' Compensation Insurance page as read on 2026-09-23. | The company publishes a workers’ compensation quote route. Its Terms say quote availability may vary by state, insurer and business details and binding requires panel-member approval. 7,6Company-reported. Company-published workers-compensation information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer. |
| Claims Support | Alliance Risk says it manages workers' comp claims "from first report to closure" to control costs and prevent long-term disability or litigation, and separately runs return-to-work programs it says reduce downtime. 4Company-reported. Workers' Compensation Insurance page, "Our Approach" and "The Alliance Risk Difference" sections; claim outcomes are not independently verified. | Confirm in your quote. |
Full Comparison
More Alliance Risk vs Simply Business Comparisons
Other Workers’ Compensation Insurance Comparisons
Sources
Alliance Risk
- Technology Insurance. Alliance Risk; What is Technology Insurance?; Types of Technology; Types of Coverage; startup placement introduction; quote documents and process. Accessed 2026-09-16.
- Tech E&O Insurance. Alliance Risk; Opening placement description; Get Your Tech E&O Risk Review; What We Need for Your Quote; Policy Review. Accessed 2026-09-16.
- Get a Quote. Alliance Risk; Request form; Prefer to Call?; Why Alliance Risk? section. Accessed 2026-09-16.
- Workers’ Compensation Insurance. Alliance Risk; Our Approach to Workers’ Compensation; The Alliance Risk Difference; What Is Workers’ Comp Insurance?; Who Needs Workers’ Comp Insurance?; What Does/Doesn't Workers’ Comp Insurance Cover?; How Much Does Workers’ Comp Insurance Cost?; Special Considerations by State. Accessed 2026-09-23.
Simply Business
- Our Small Business Insurance Story. Simply Business; Opening description and audience; digital marketplace, business types and U.S. service. Accessed 2026-09-29.
- Terms of Service. Simply Business; Dated June 30, 2026; §1 lines 22–28; §8 lines 87–113; §10 lines 143–149; §19 line 211. Accessed 2026-09-29.
- Workers’ Compensation Insurance for Small Business. Simply Business; Coverage and benefits lines 45–69; state/buyer qualifications lines 178–189. Accessed 2026-09-29.
Workers’ Compensation Insurance Guide
- Workers’ Compensation Insurance. National Association of Insurance Commissioners; Opening definition; mandatory coverage except Texas opt-in; exclusive remedy; monopolistic state funds; self-insurance note. Accessed 2026-09-16.
- Small Business Insurance. National Association of Insurance Commissioners; Typically covers medical expenses, rehabilitation costs and lost wages; check with your state insurance department; ask these questions / who qualifies as a covered employee (contractors, part-time staff, interns); payroll and type-of-work rating factors. Accessed 2026-09-16.
- DWC employer information. California Department of Industrial Relations, Division of Workers’ Compensation; Opening trade-off and California requirement; basic benefits including medical care, temporary and permanent disability, supplemental job displacement, return-to-work supplement and death benefits; out-of-state employer note. Accessed 2026-09-16.
- Employer resources. Texas Department of Insurance, Division of Workers’ Compensation; In Texas, private employers can choose to carry workers’ compensation insurance coverage, but it is not required in most cases; lost wages and medical benefits; except when gross negligence results in a fatality, coverage limits liability. Accessed 2026-09-16.
