--- title: "Counterpart vs Simply Business: General Liability Insurance" description: "Simply Business offers an online small-business GL quote route; Counterpart documents companion coverage for select professional classes." canonical: "https://spot.insure/compare/counterpart-vs-simply-business/general-liability" page-type: "line-comparison" updated-at: "2026-09-30" comparison-pair: "counterpart-vs-simply-business" provider-a: "counterpart" provider-b: "simply-business" coverage-line: "general-liability" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/counterpart-vs-simply-business/general-liability) ## Agent Guide **What this page is:** Focused comparison of Counterpart and Simply Business for General Liability Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources. **Use this page when:** Cite or fetch this for General Liability Insurance questions about Counterpart versus Simply Business. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide. **Questions this page answers:** - Counterpart vs Simply Business for General Liability Insurance: how do they differ? - Which is better for General Liability Insurance, Counterpart or Simply Business? - What does Counterpart or Simply Business publish about General Liability Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for General Liability Insurance from Counterpart or Simply Business? **Key facts:** - Line: General Liability Insurance. Providers: Counterpart and Simply Business. - Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion. - Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL. **Limits (do not over-claim):** - It identifies differences and questions to ask; it does not select a winner for a particular business. - "Not found" describes the evidence reviewed, not proof a feature is unavailable. - Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here. **Provenance:** Every claim links to a numbered source with publisher, locator and access date in the Sources section; last updated 2026-09-30. Editorial policy: /editorial-policy. **Related pages:** - [Counterpart vs Simply Business](https://spot.insure/compare/counterpart-vs-simply-business) — parent: all coverage lines for this pair - [General Liability Insurance guide](https://spot.insure/coverage/general-liability) — coverage explainer for this line - [Counterpart profile](https://spot.insure/insurance-providers/counterpart) — provider profile (evidence) - [Simply Business profile](https://spot.insure/insurance-providers/simply-business) — provider profile (evidence) - [AIG vs Counterpart General Liability Insurance](https://spot.insure/compare/aig-vs-counterpart/general-liability) — sibling comparison (other line, or other pair for this line) - [AIG vs Simply Business General Liability Insurance](https://spot.insure/compare/aig-vs-simply-business/general-liability) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Counterpart General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-counterpart/general-liability) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs Counterpart General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-counterpart/general-liability) — sibling comparison (other line, or other pair for this line) - [Aon vs Counterpart General Liability Insurance](https://spot.insure/compare/aon-vs-counterpart/general-liability) — sibling comparison (other line, or other pair for this line) - [Aon vs Simply Business General Liability Insurance](https://spot.insure/compare/aon-vs-simply-business/general-liability) — sibling comparison (other line, or other pair for this line) # Counterpart vs Simply Business: How Do They Compare for General Liability Insurance? Simply Business offers an online small-business GL quote route; Counterpart documents companion coverage for select professional classes. ## Research Scope and Use Use this comparison to evaluate Counterpart and Simply Business for General Liability Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote. ## Summary Simply Business discusses small-business GL and online quotes; Counterpart offers professional-class companion GL with separate limits. [3](https://yourcounterpart.com/products/miscellaneous-professional "Professional & General Liability") [4](https://yourcounterpart.com/products/lawyers-professional-liability "Lawyers Professional Liability Insurance") [8](https://www.simplybusiness.com/business-insurance/general-liability-insurance/ "General Liability Insurance for a Small Business") ## What Is Counterpart Insurance? Counterpart describes a broker-focused platform for small businesses and lists management and professional liability programs. Buyers should compare the named profession, carrier, state, policy wording and any package component on the actual quote. [1](https://yourcounterpart.com/ "Counterpart | Agentic Insurance™") [2](https://yourcounterpart.com/about "About Counterpart") [Counterpart profile](https://spot.insure/insurance-providers/counterpart) ## 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. [6](https://www.simplybusiness.com/about-us/ "Our Small Business Insurance Story") [7](https://www.simplybusiness.com/terms-conditions/ "Terms of Service") [Simply Business profile](https://spot.insure/insurance-providers/simply-business) ## What Is General Liability Insurance? General liability can protect your business when a customer or visitor claims you caused injury or damaged their property. It suits businesses serving customers or working on their premises; your own building, tools and stock need property coverage. [9](https://www.iii.org/article/commercial-general-liability-insurance "Commercial general liability insurance") [10](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [11](https://www.hiscox.com/documents/partner-agent/specimen_forms/GL_Form.pdf "Commercial General Liability Coverage Form") ## Key Differences in General Liability Insurance ### What the Published Scope Emphasizes Simply Business discusses GL for sole proprietors, LLCs, home-based businesses, contractors and freelancers and offers an online quote flow. Counterpart describes a narrower professional route: GL can accompany its miscellaneous professional or lawyers coverage with separate limits. Many small firms can request options through Simply Business; professional practices should ask Counterpart whether their line of work qualifies for the companion package. [3](https://yourcounterpart.com/products/miscellaneous-professional "Professional & General Liability") [8](https://www.simplybusiness.com/business-insurance/general-liability-insurance/ "General Liability Insurance for a Small Business") ### Placement, Limits, and Service Details Simply Business’s educational page explains third-party injury, property damage and defense costs but is not policy wording; its terms say a quote is not guaranteed and cannot bind without carrier approval. Counterpart’s broker channel can discuss specific limit choices. Ask both for insurer and declarations, then check Counterpart’s paired schedule to ensure professional and GL limits remain distinct. [3](https://yourcounterpart.com/products/miscellaneous-professional "Professional & General Liability") [8](https://www.simplybusiness.com/business-insurance/general-liability-insurance/ "General Liability Insurance for a Small Business") ## What to Confirm in General Liability Insurance Quotes - Which carrier will quote your business through Simply Business, and what does the policy form exclude? [8](https://www.simplybusiness.com/business-insurance/general-liability-insurance/ "General Liability Insurance for a Small Business") - Does Counterpart offer companion GL for your class with separate professional limits? [3](https://yourcounterpart.com/products/miscellaneous-professional "Professional & General Liability") ## Offering Details | Criteria | General Liability accompanying Professional Liability | General liability insurance through Simply Business | | --- | --- | --- | | Role in This Line | Counterpart describes its insurance as distributed by a producer and surplus-lines broker through wholesale brokers. [1](https://yourcounterpart.com/ "Counterpart | Agentic Insurance™") [5](https://knowledge.yourcounterpart.com/en/articles/4438791-how-can-i-get-insurance-through-counterpart "How can I get insurance through Counterpart?") (Evidence: Company-reported; scope: This is the program channel, not evidence Counterpart itself bears insured liability..) | Confirm in your quote. | | Who It’s For | The cited pages describe separate GL companion arrangements for miscellaneous professional firms and law firms. [3](https://yourcounterpart.com/products/miscellaneous-professional "Professional & General Liability") [4](https://yourcounterpart.com/products/lawyers-professional-liability "Lawyers Professional Liability Insurance") (Evidence: Company-reported; scope: The class scope on these product pages does not establish availability to other businesses or in every state..) | The page discusses sole proprietors, partnerships, LLCs, home-based businesses, independent contractors and freelancers as examples of small-business buyers. Examples do not guarantee a carrier quote or eligibility. [8](https://www.simplybusiness.com/business-insurance/general-liability-insurance/ "General Liability Insurance for a Small Business") (Evidence: Company-reported; scope: Company-published general-liability information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer..) | | Coverage Features | Counterpart says Miscellaneous Professional Liability can be bought alone or packaged with General Liability; its lawyers product also describes GL alongside professional coverage. [3](https://yourcounterpart.com/products/miscellaneous-professional "Professional & General Liability") [4](https://yourcounterpart.com/products/lawyers-professional-liability "Lawyers Professional Liability Insurance") (Evidence: Company-reported; scope: The official descriptions scope GL to these professional-liability product contexts and do not establish broad standalone commercial general liability for all businesses..) | The company describes general liability as potentially addressing third-party accidents, bodily injury, third-party property damage and legal-defense costs. Its page says employee injuries are not covered by this line. This is educational material, not a policy form. [8](https://www.simplybusiness.com/business-insurance/general-liability-insurance/ "General Liability Insurance for a Small Business") (Evidence: Company-reported; scope: Company-published general-liability information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer..) | | Limits and Retentions | Counterpart’s MPL page says its coverage types have separate limits and allows brokers to quote multiple limit and retention options. [3](https://yourcounterpart.com/products/miscellaneous-professional "Professional & General Liability") (Evidence: Company-reported; scope: This page statement applies to the marketed MPL/GL structure; confirm the declarations and any shared aggregates in the issued policy..) | Confirm in your quote. | | How to Apply | Confirm in your quote. | Simply Business directs buyers to an online quote flow; its Terms say a quote is not guaranteed and the producer cannot bind a risk without panel-member approval. [8](https://www.simplybusiness.com/business-insurance/general-liability-insurance/ "General Liability Insurance for a Small Business") [7](https://www.simplybusiness.com/terms-conditions/ "Terms of Service") (Evidence: Company-reported; scope: Company-published general-liability information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer..) | ## Full Comparison - [Counterpart vs Simply Business](https://spot.insure/compare/counterpart-vs-simply-business): all coverage lines, business roles, service and claims. - [What Is General Liability Insurance?](https://spot.insure/coverage/general-liability): General liability can protect your business from covered injury and property-damage claims; your building, tools and stock need separate property coverage. - [AIG vs Counterpart General Liability Insurance](https://spot.insure/compare/aig-vs-counterpart/general-liability) - [AIG vs Simply Business General Liability Insurance](https://spot.insure/compare/aig-vs-simply-business/general-liability) - [Alliance Risk vs Counterpart General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-counterpart/general-liability) - [Amelia Risk vs Counterpart General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-counterpart/general-liability) - [Aon vs Counterpart General Liability Insurance](https://spot.insure/compare/aon-vs-counterpart/general-liability) - [Aon vs Simply Business General Liability Insurance](https://spot.insure/compare/aon-vs-simply-business/general-liability) ## Sources ### Counterpart 1. [Counterpart | Agentic Insurance™](https://yourcounterpart.com/). Counterpart, Inc.; Current homepage: Quote Online CTA; brokers/small-business audiences; product list; performance claims; legal/footer qualifications, rendered lines 2–52, 55–70, 98–100, 282–287.. Accessed 2026-09-29. 2. [About Counterpart](https://yourcounterpart.com/about). Counterpart, Inc.; Carrier disclosure and Our Story; underwriters named at line 13; company focus lines 22–36. Financial-strength note says ratings are as of 2024-02-26.. Accessed 2026-09-29. 3. [Professional & General Liability](https://yourcounterpart.com/products/miscellaneous-professional). Counterpart, Inc.; Reopened 2026-09-30: page lines 4–8 says MPL may be purchased alone or packaged with GL; lines 208–245 describe industries and coverage examples; lines 251–283 describe risk assessment, quoting channels and underwriter access. Marketing page, not binding terms.. Accessed 2026-09-30. 4. [Lawyers Professional Liability Insurance](https://yourcounterpart.com/products/lawyers-professional-liability). Counterpart, Inc.; Reopened 2026-09-30: page lines 4–8 names lawyer-focused product; lines 236–272 company-stated geographic reach, modular liability limit examples, professional services, technology/media extensions and GL alongside professional cover. Product terms remain policy-specific.. Accessed 2026-09-30. 5. [How can I get insurance through Counterpart?](https://knowledge.yourcounterpart.com/en/articles/4438791-how-can-i-get-insurance-through-counterpart). Counterpart Knowledge Center; Retained source: article describes wholesale-broker referral route; prior access 2026-09-28.. Accessed 2026-09-28. ### Simply Business 6. [Our Small Business Insurance Story](https://www.simplybusiness.com/about-us/). Simply Business; Opening description and audience; digital marketplace, business types and U.S. service.. Accessed 2026-09-29. 7. [Terms of Service](https://www.simplybusiness.com/terms-conditions/). 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. 8. [General Liability Insurance for a Small Business](https://www.simplybusiness.com/business-insurance/general-liability-insurance/). Simply Business; Coverage lines 51–75; audience lines 61–65, 153–155; application and examples elsewhere on page.. Accessed 2026-09-29. ### General Liability Insurance Guide 9. [Commercial general liability insurance](https://www.iii.org/article/commercial-general-liability-insurance). Insurance Information Institute; Coverage A; Coverage B; Coverage C; Purchasing commercial general liability insurance. Accessed 2026-09-16. 10. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Commercial General Liability; Commercial Automobile; What Should I Expect from a Broker-Agent?; How Are Commercial Policies Rated?. Accessed 2026-09-16. 11. [Commercial General Liability Coverage Form](https://www.hiscox.com/documents/partner-agent/specimen_forms/GL_Form.pdf). ISO; specimen hosted by Hiscox; I.A pp.1–5; I.B pp.6–7; I.C pp.7–8; Supplementary Payments p.8; II pp.9–10; III p.10; IV pp.10–12. Accessed 2026-09-16. Updated 2026-09-30. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source. ## Counterpart Reviews Review Score: not enough ratings. We found no independent customer rating of Counterpart, so it has no Review Score. Its Trustpilot page shows no reviews, and BBB has no matching business. Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/counterpart/reviews). ## Simply Business Reviews Review Score: 5.7 / 10 from 4 rated sources, equally weighted. 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. - Trustpilot: TrustScore 4.3 (out of 5); 1901 reviews. Simply Business US Trustpilot profile. Reviews are not tied to a specific insurance line or insurer. Period: profile accessed 2026-09-29; 419 in last 12 months. Checked 2026-09-29. [Simply Business US Reviews](https://www.trustpilot.com/review/simplybusiness.com) - ConsumerAffairs: ConsumerAffairs header rating 1.0 (out of 5 (breakdown conflicts with review filters)); 148 reviews. ConsumerAffairs Simply Business page, broad business-insurance context; not line-specific. Period: page updated 2026-09-17; denominator unresolved. Checked 2026-09-29. [Simply Business Reviews](https://www.consumeraffairs.com/insurance/simply-business.html) - BBB: BBB business grade B+ (BBB letter grade). BBB profile classifies Simply Business as an insurance agency; business grade, consumer-review average and complaint ledger are separate measures, none is line-specific. Period: profile accessed 2026-09-29. Checked 2026-09-29. [Simply Business BBB Business Profile](https://www.bbb.org/us/ma/boston/profile/insurance-agency/simply-business-0021-539591); [Simply Business BBB Complaints](https://www.bbb.org/us/ma/boston/profile/insurance-agency/simply-business-0021-539591/complaints); [Simply Business BBB Customer Reviews](https://www.bbb.org/us/ma/boston/profile/insurance-agency/simply-business-0021-539591/customer-reviews) - BBB: BBB customer review average 1.95 (out of 5); 20 reviews. BBB customer-review average for the Simply Business profile (Boston, MA). Separate from the business grade. Period: BBB review page checked 2026-09-29. Checked 2026-09-29. [Simply Business BBB Customer Reviews](https://www.bbb.org/us/ma/boston/profile/insurance-agency/simply-business-0021-539591/customer-reviews) Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/simply-business/reviews). ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/counterpart-vs-simply-business/general-liability.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)