---
title: "Embroker vs Simply Business"
description: "Compare Embroker and Simply Business by coverage fit, application route, insurer roles and the questions to ask before choosing a small-business policy."
canonical: "https://spot.insure/compare/embroker-vs-simply-business"
page-type: "provider-comparison"
updated-at: "2026-09-30"
---

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/embroker-vs-simply-business)

# Embroker vs Simply Business

Compare Embroker and Simply Business by coverage fit, application route, insurer roles and the questions to ask before choosing a small-business policy.

## Before You Quote

Ask each provider about eligibility, the issuing insurer, policy wording, limits, retentions, exclusions and costs for your business.

## Highlights

Consider Embroker if your business fits technology or cyber businesses and businesses seeking broker or risk advice, and Simply Business if it fits small businesses. Their catalogues overlap on business owners’ policy, commercial property, cyber; compare each quote route, identified insurer and policy form before choosing. [1](https://www.embroker.com/ "Embroker") [27](https://www.simplybusiness.com/about-us/ "Our Small Business Insurance Story")

## Provider Reliability Assessments

These sourced assessments are shown for context; this comparison does not select a winner.

### Embroker

Role: Broker.

Broker Spot Score: **5.1/10** (partial score; 45% of this role's weighting included). Assessed 2026-09-22; review due 2026-10-22. Excluded factors: Identity and Authority (Current authority and applicable appointments or delegations have not been independently established across the assessed scope.); Regulatory Conduct (A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable.).

Read the [full reliability assessment](https://spot.insure/insurance-providers/embroker/reliability).

### Simply Business

Role: Broker.

Broker Spot Score: **No Spot Score**. Assessed 2026-09-29; review due 2026-10-29. Excluded factors: Identity and Authority (No numerical score was produced because the overall evidence outcome was conflicting-evidence; excluded factors cannot hide that outcome. Canonical evidence gaps: The relation between Simply Business, Inc. and Simply Business, LLC remains unresolved in reviewed disclosures.; No line/state carrier appointment list, material binding authority evidence, capacity agreement or placement share was reviewed.; The renewal wording conflict remains unresolved; the applicable rule for any particular policy is unknown.; For the all-states-and-D.C. company statement and the other listed state names, the contact page supplies no jurisdiction-specific identifiers or license classes; those details remain unknown.; No state DOI or NIPR producer lookup was run; the CA licence 0M20593 and 'all states' claim are company-reported only.; No carrier-by-state appointment list, and no rating for individual panel carriers, was found.; The Travelers AM Best rating found is for 'Travelers Casualty and Surety Company of America'; the Terms name a differently worded entity, and it is a parent rating, not a broker measure.; UK operations and FCA status were out of scope.); Carrier-Network Strength (No numerical score was produced because the overall evidence outcome was conflicting-evidence; excluded factors cannot hide that outcome. Canonical evidence gaps: The relation between Simply Business, Inc. and Simply Business, LLC remains unresolved in reviewed disclosures.; No line/state carrier appointment list, material binding authority evidence, capacity agreement or placement share was reviewed.; The renewal wording conflict remains unresolved; the applicable rule for any particular policy is unknown.; For the all-states-and-D.C. company statement and the other listed state names, the contact page supplies no jurisdiction-specific identifiers or license classes; those details remain unknown.; No state DOI or NIPR producer lookup was run; the CA licence 0M20593 and 'all states' claim are company-reported only.; No carrier-by-state appointment list, and no rating for individual panel carriers, was found.; The Travelers AM Best rating found is for 'Travelers Casualty and Surety Company of America'; the Terms name a differently worded entity, and it is a parent rating, not a broker measure.; UK operations and FCA status were out of scope.); Regulatory Conduct (No numerical score was produced because the overall evidence outcome was conflicting-evidence; excluded factors cannot hide that outcome. Canonical evidence gaps: The relation between Simply Business, Inc. and Simply Business, LLC remains unresolved in reviewed disclosures.; No line/state carrier appointment list, material binding authority evidence, capacity agreement or placement share was reviewed.; The renewal wording conflict remains unresolved; the applicable rule for any particular policy is unknown.; For the all-states-and-D.C. company statement and the other listed state names, the contact page supplies no jurisdiction-specific identifiers or license classes; those details remain unknown.; No state DOI or NIPR producer lookup was run; the CA licence 0M20593 and 'all states' claim are company-reported only.; No carrier-by-state appointment list, and no rating for individual panel carriers, was found.; The Travelers AM Best rating found is for 'Travelers Casualty and Surety Company of America'; the Terms name a differently worded entity, and it is a parent rating, not a broker measure.; UK operations and FCA status were out of scope.); Disclosure Clarity (No numerical score was produced because the overall evidence outcome was conflicting-evidence; excluded factors cannot hide that outcome. Canonical evidence gaps: The relation between Simply Business, Inc. and Simply Business, LLC remains unresolved in reviewed disclosures.; No line/state carrier appointment list, material binding authority evidence, capacity agreement or placement share was reviewed.; The renewal wording conflict remains unresolved; the applicable rule for any particular policy is unknown.; For the all-states-and-D.C. company statement and the other listed state names, the contact page supplies no jurisdiction-specific identifiers or license classes; those details remain unknown.; No state DOI or NIPR producer lookup was run; the CA licence 0M20593 and 'all states' claim are company-reported only.; No carrier-by-state appointment list, and no rating for individual panel carriers, was found.; The Travelers AM Best rating found is for 'Travelers Casualty and Surety Company of America'; the Terms name a differently worded entity, and it is a parent rating, not a broker measure.; UK operations and FCA status were out of scope.).

Read the [full reliability assessment](https://spot.insure/insurance-providers/simply-business/reliability).

## Embroker Reviews

Review Score: 5.6 / 10 from 3 rated sources, equally weighted.

Embroker’s reviews are mixed, and BBB records a complaint-response concern. The feedback is too limited to establish consistent service quality.

- Trustpilot: TrustScore 2.9 (5); 2 reviews. Trustpilot review search using provider brand/domain; identity checked against the canonical insurance entity. Period: current page aggregate accessed 2026-09-25. Checked 2026-09-25. [Embroker Reviews | Read Customer Service Reviews](https://www.trustpilot.com/review/embroker.com)
- BBB: BBB business grade D+ (BBB letter grade). BBB business profile for Embroker, categorized as Small Business Insurance. Grade is BBB letter grade, not customer-star aggregate; complaint record is a product-issues billing/cancellation concern. Period: current profile; grade rationale includes 1 unanswered complaint. Checked 2026-09-25. [Embroker | BBB Business Profile](https://www.bbb.org/us/ca/san-francisco/profile/small-business-insurance/embroker-1116-974895)
- Birdeye: Combined office rating (Google + Birdeye sources) 3.9 (5); 19 reviews. Office-level listing at 24 Shotwell St, San Francisco; business profile links to embroker.com and categorizes it as Insurance. Birdeye displays combined rating from 18 Google-origin reviews plus 2 Birdeye-origin reviews. This is one office listing, not a firmwide aggregate; review dates displayed are old (examples from about five/six years before access date). Period: page accessed 2026-09-25; 17 Google-origin + 2 Birdeye-origin; displayed sample comments dated about 5-6 years earlier. Checked 2026-09-25. [Embroker - 20 Reviews - Insurance in San Francisco, CA | Birdeye](https://reviews.birdeye.com/embroker-150058735264881)

Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/embroker/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).

## Introduction

This comparison pairs technology or cyber businesses and businesses seeking broker or risk advice through Embroker with small businesses through Simply Business. Their coverage catalogues share business owners’ policy, commercial property, cyber. If one of those lines fits your business, compare the proposed forms and quote routes side by side; listed lines do not establish equal policy terms or eligibility. [1](https://www.embroker.com/ "Embroker") [27](https://www.simplybusiness.com/about-us/ "Our Small Business Insurance Story")



## Coverage Comparison

| Coverage Type | Embroker | Simply Business |
| --- | --- | --- |
| [Business owner’s policy](https://spot.insure/coverage/business-owners-policy) | Listed: Embroker lists a business owner’s policy with a quote route. [8](https://www.embroker.com/coverage/ "Business Insurance Coverage Options") | Listed [36](https://www.simplybusiness.com/business-insurance/business-owners-policy-insurance/ "Business Owner’s Policy Insurance") |
| [Commercial auto](https://spot.insure/coverage/commercial-auto) | Listed: Embroker offers help obtaining commercial auto insurance and invites quote requests. [21](https://www.embroker.com/coverage/commercial-auto-insurance/ "Commercial Auto Insurance") | Not listed |
| [Commercial property](https://spot.insure/coverage/commercial-property) | Listed: Embroker offers help obtaining commercial property insurance and invites property quote requests. [22](https://www.embroker.com/coverage/commercial-property-insurance/ "Commercial Property Insurance") | Listed: Offered as part of a BOP, rather than as a standalone policy. [37](https://www.simplybusiness.com/business-insurance/business-owners-policy-insurance/commercial-property-insurance/ "Commercial Property Insurance") [36](https://www.simplybusiness.com/business-insurance/business-owners-policy-insurance/ "Business Owner’s Policy Insurance") |
| [Crime](https://spot.insure/coverage/crime) | Listed: Embroker lists commercial crime and offers a corresponding quote path. [8](https://www.embroker.com/coverage/ "Business Insurance Coverage Options") | Not listed |
| [Cyber liability](https://spot.insure/coverage/cyber) | Listed: Embroker lists cyber insurance with a quote route. [8](https://www.embroker.com/coverage/ "Business Insurance Coverage Options") | Listed: Add-on for select buyers purchasing another business policy; phone quote route. [39](https://www.simplybusiness.com/business-insurance/cyber-liability-insurance/ "Cyber Insurance") |
| [Directors and officers](https://spot.insure/coverage/directors-officers) | Listed: Embroker lists directors and officers insurance with a quote route. [8](https://www.embroker.com/coverage/ "Business Insurance Coverage Options") | Not listed |
| [Employment practices liability](https://spot.insure/coverage/employment-practices) | Listed: Embroker offers quotes for employment practices liability as an individual coverage. [8](https://www.embroker.com/coverage/ "Business Insurance Coverage Options") | Not listed |
| [Fiduciary liability](https://spot.insure/coverage/fiduciary) | Listed: Embroker lists fiduciary liability with a quote route. [8](https://www.embroker.com/coverage/ "Business Insurance Coverage Options") | Not listed |
| [General liability](https://spot.insure/coverage/general-liability) | Listed: Embroker offers a general liability quote route among its individual business coverages. [8](https://www.embroker.com/coverage/ "Business Insurance Coverage Options") | Listed [33](https://www.simplybusiness.com/business-insurance/general-liability-insurance/ "General Liability Insurance for a Small Business") |
| [Key person](https://spot.insure/coverage/key-person) | Listed: Embroker arranges key person insurance. [20](https://www.embroker.com/coverage/key-person-insurance/ "Key Person Insurance") | Not listed |
| [Management liability](https://spot.insure/coverage/management-liability) | Listed: Embroker markets a management insurance suite for private companies. [9](https://www.embroker.com/blog/embroker-launches-emis/ "Embroker Launches EMIS") | Not listed |
| [Product liability](https://spot.insure/coverage/product-liability) | Listed: Embroker lists product liability insurance for companies that produce, distribute or sell products. [24](https://www.embroker.com/coverage/product-liability-insurance/ "Product Liability Insurance") | Not listed |
| [Professional errors and omissions (E&O)](https://spot.insure/coverage/professional-errors-omissions) | Listed: Embroker lists professional liability (errors and omissions) for professional services, separately from lawyers professional liability and technology errors and omissions. [8](https://www.embroker.com/coverage/ "Business Insurance Coverage Options") [14](https://access.embroker.com/for-brokers/lawyers-professional-liability-program/ "Lawyers Professional Liability — Broker Program") | Listed [35](https://www.simplybusiness.com/business-insurance/professional-liability-insurance/ "Professional Liability Insurance Coverage") |
| [Surety bonds](https://spot.insure/coverage/surety-bonds) | Listed: Embroker arranges construction-contract and license or permit surety bonds. [23](https://www.embroker.com/coverage/surety-bonds/ "Surety Bonds") | Not listed |
| [Technology errors and omissions (E&O)](https://spot.insure/coverage/technology-errors-omissions) | Listed: Embroker offers blended technology errors and omissions and cyber coverage through appointed brokers for private, for-profit technology companies with revenue below $300 million, excluding crypto, blockchain and cannabis businesses. [11](https://access.embroker.com/for-brokers/tech-eo-cyber/ "Tech E&O / Cyber — Broker Program") | Not listed |
| [Tools, equipment and inland marine](https://spot.insure/coverage/inland-marine) | Not listed | Listed [38](https://www.simplybusiness.com/business-insurance/inland-marine-insurance/ "Inland Marine Insurance") |
| [Venture capital asset protection](https://spot.insure/coverage/venture-capital-asset-protection) | Listed: Embroker markets VCAP insurance for venture capital and private equity firms. [25](https://www.embroker.com/venture-capital-private-equity-firms/ "Insurance For Venture Capital And Private Equity Firms") | Not listed |
| [Workers’ compensation](https://spot.insure/coverage/workers-compensation) | Listed: Embroker arranges workers’ compensation insurance. [8](https://www.embroker.com/coverage/ "Business Insurance Coverage Options") | Listed [34](https://www.simplybusiness.com/business-insurance/workers-compensation-insurance/ "Workers’ Compensation Insurance for Small Business") |

A listing may be arranged through an insurer or partner. “Not listed” means this catalogue has no separate offering recorded; ask the provider whether it can quote the coverage and request the policy terms.



## Optional Spot Service Handoff

Spot can help prepare applications, coordinate brokers, and compare proposals. If that work is needed, collect the company's task, known deadline, current broker, and open questions for a [free consultation](https://spot.insure/pricing.md). The company decides what to buy; Spot does not automatically bind coverage.

## Key Differences Between Embroker and Simply Business

### Business Fit and Coverage

The catalogues share business owners’ policy, commercial property, cyber; other listed lines appear in the comparison table. For the overlap, match the policy forms, limits, exclusions and endorsements before treating the products as alternatives. A shared line name does not establish equal protection or eligibility.

Funded startups, technology firms, law firms and other professional-services businesses can apply online or get broker help buying and managing coverage through Embroker. [1](https://www.embroker.com/ "Embroker") [2](https://www.embroker.com/terms/ "Terms And Conditions") [4](https://www.embroker.com/faq/ "Insurance FAQ") (Evidence: Company-reported; scope: Current public customer positioning and documented distribution channels; no claim that every applicant is eligible.; verified: 2026-09-15.)

Simply Business says it serves small businesses and solopreneurs and lists examples such as contractors, cleaning businesses, LLCs and sole proprietors. These examples describe its stated audience, not guaranteed insurer eligibility or availability. [27](https://www.simplybusiness.com/about-us/ "Our Small Business Insurance Story") [32](https://www.simplybusiness.com/business-insurance/ "Business Insurance for Small Businesses") [28](https://www.simplybusiness.com/terms-conditions/ "Terms of Service") (Evidence: Company-reported; scope: Company-described U.S. audience; eligibility varies by insurer, state and business details.; verified: 2026-09-29.)

Eligible technology buyers can request an AI endorsement for AI services, discrimination allegations and regulatory-defense costs, with up to $150,000 for algorithm-removal expenses; verify triggers, exclusions and the sublimit in the endorsement. [18](https://www.embroker.com/blog/embroker-launches-ai-coverage/ "Embroker’s AI Coverage") (Evidence: Company-reported; scope: Company product announcement, not a policy-form analysis. Article displays May 2026 publication but says effective August 2025 and references the Startup Program; applicability to a particular EMIS or legacy quote must be confirmed.; verified: 2026-09-15.)

### Roles and Quote Access

Embroker offers its own programs directly and through other brokers; it may do underwriting work under insurer guidelines, but the insurer named in your policy carries the risk. [10](https://access.embroker.com/ "Embroker Access") [2](https://www.embroker.com/terms/ "Terms And Conditions") (Evidence: Company-reported; scope: Program distribution and delegated work as described by the company. Not a finding of statutory MGA status or identical authority on every product.; verified: 2026-09-15.)

Simply Business describes its U.S. service as an online commercial-insurance marketplace and licensed producer connecting business customers with insurers. Its June 30, 2026 Terms identify Simply Business, LLC and Harborway Insurance Agency, LLC d/b/a Harborway Insurance as licensed producers, with Harborway a Simply Business subsidiary; the Terms say Harborway policies are underwritten by Spinnaker Insurance Company. Other site policies are underwritten by third-party providers, so the selected issuer depends on the offer and policy. These roles and license statements are company-reported. The contact-page footer says Simply Business, LLC is licensed in all U.S. states and D.C.; for California it says the company operates under the name Simply Business Insurance Agency, LLC and displays License #0M20593. The footer also lists Colorado, New York, Pennsylvania and Texas operating names; it gives no other license identifiers. No regulator lookup was performed or required for this candidate. [27](https://www.simplybusiness.com/about-us/ "Our Small Business Insurance Story") [28](https://www.simplybusiness.com/terms-conditions/ "Terms of Service") [40](https://www.travelers.com/about-travelers/producer-compensation-disclosure "Producer Compensation Disclosure (United States)") [29](https://www.simplybusiness.com/contact-us/ "Contact Us") (Evidence: Company-reported; scope: U.S. commercial insurance distribution described by the company. Simply Business, LLC, Simply Business, Inc., Harborway Insurance Agency, LLC, the stated parent and each policy issuer are distinct. The Inc./LLC relationship remains unresolved.; verified: 2026-09-29.)

Embroker provides an online quote entry; the reviewed observation establishes the entry point, not the fields collected. [26](https://app.embroker.com/signup "Start An Embroker Quote") (Evidence: Company-reported; scope: Read-only observation of the public quote entry at https://app.embroker.com/signup on 15 September 2026; no form submitted or account created.; verified: 2026-09-29.)

The company advertises online quotes and weekday phone access to licensed agents. Its Terms say a quote is not guaranteed and Simply Business cannot bind a risk without panel-member approval; a quote or online purchase path does not establish that every applicant can bind online. [29](https://www.simplybusiness.com/contact-us/ "Contact Us") [28](https://www.simplybusiness.com/terms-conditions/ "Terms of Service") (Evidence: Company-reported; scope: Published U.S. quote and service channels. Binding depends on panel-member approval and the individual offer.; verified: 2026-09-29.)

Use these routes to plan who will assemble the submission and whether you can complete the purchase online or need an agent or broker. Ask Embroker and Simply Business to confirm the route for your state, coverage and business details; an online quote path alone does not show that a risk can be bound. [26](https://app.embroker.com/signup "Start An Embroker Quote") [29](https://www.simplybusiness.com/contact-us/ "Contact Us")

### Policy Service and Claims

Broker-of-record clients can download policies and certificates from Embroker’s account; custom certificate wording may require a policy endorsement. [4](https://www.embroker.com/faq/ "Insurance FAQ") (Evidence: Company-reported; scope: FAQ Other insurance services; payment/down-payment conditions apply to first-time certificate access. Not independently tested in an authenticated account.; verified: 2026-09-15.)

The company describes account access for policy documents, certificates, account updates and adding coverage; help material routes some changes to an agent or insurer. Not every policy change is described as self-service. [29](https://www.simplybusiness.com/contact-us/ "Contact Us") [30](https://www.simplybusiness.com/help-center/ "Help Center") [28](https://www.simplybusiness.com/terms-conditions/ "Terms of Service") (Evidence: Company-reported; scope: Company-described post-purchase service paths; available tasks may depend on policy and insurer.; verified: 2026-09-29.)

Use your account’s Claims tab for reporting instructions; for active cyber incidents follow the hotline in your policy, and report other claims to the insurer named there. [19](https://www.embroker.com/claims/ "Claims") (Evidence: Company-reported; scope: Claims page How it works and FAQ. No submission performed. Policy-specific reporting requirements take priority over general website steps.; verified: 2026-09-15.)

The Terms say third-party insurers underwrite site policies and each provider handles claims on its own policies; the Help Center directs policyholders to identify and contact the insurer. This establishes a published route, not agency assistance after notice or claim outcomes. [28](https://www.simplybusiness.com/terms-conditions/ "Terms of Service") [30](https://www.simplybusiness.com/help-center/ "Help Center") (Evidence: Company-reported; scope: General site-policy claim responsibility. Harborway/Spinnaker applies only to the named Harborway placement relationship.; verified: 2026-09-29.)

Compare the practical handoffs for documents, policy changes, renewal questions and claim notices. A listed support route describes access to help, not a claim outcome or a guarantee of service speed.

## What to Confirm in Quotes

Request quotes for the same business details, coverage lines, limits, deductibles or retentions and policy period. Ask Embroker and Simply Business to name the producer and issuing insurer for each proposed policy, confirm who can bind it, and itemize any customer fees or intermediary compensation. For the overlapping business owners’ policy, commercial property, cyber, compare the actual insuring agreement, exclusions, sublimits and endorsements. Also confirm who handles account changes and receives claim notices. [9](https://www.embroker.com/blog/embroker-launches-emis/ "Embroker Launches EMIS") [27](https://www.simplybusiness.com/about-us/ "Our Small Business Insurance Story") [3](https://www.embroker.com/disclosure/ "Compensation Disclosure") [28](https://www.simplybusiness.com/terms-conditions/ "Terms of Service")

## Compare Services

What each provider documents about the services you may need.

| Criteria | Embroker | Simply Business |
| --- | --- | --- |
| Business role | A lawyers’ liability specimen names Embroker Insurance Services LLC as producer. Confirm the producer and insurer named for your own policy. [15](https://access.embroker.com/wp-content/uploads/2023/05/LPL-SPECIMEN-POLICY.pdf "Everest Elevation Lawyers Professional Liability — Specimen") (Evidence: Company-reported; scope: Producer named in the lawyers’ liability specimen only. This fact does not establish ultimate ownership, the producer for every product or nationwide licensing.; verified: 2026-09-29.)<br><br>Embroker offers its own programs directly and through other brokers; it may do underwriting work under insurer guidelines, but the insurer named in your policy carries the risk. [10](https://access.embroker.com/ "Embroker Access") [2](https://www.embroker.com/terms/ "Terms And Conditions") (Evidence: Company-reported; scope: Program distribution and delegated work as described by the company. Not a finding of statutory MGA status or identical authority on every product.; verified: 2026-09-15.)<br><br>The reviewed materials do not establish Embroker, Inc.’s ultimate beneficial ownership. [7](https://search.sunbiz.org/Inquiry/corporationsearch/SearchResultDetail?aggregateId=forl-m15000008735-158ae97b-a8ff-4f0b-8741-df22b86b81c9&directionType=Initial&inquirytype=EntityName&listNameOrder=EMBROIDUSA+P070000384650&searchNameOrder=EMBROKERINSURANCESERVICES+M150000087350&searchTerm=EMBROIDUSA%2CINC. "Embroker Insurance Services LLC — Entity Record") (Evidence: Not found in reviewed sources; scope: Ultimate beneficial ownership remains unresolved; the reviewed materials do not establish a current controlling parent. Funding or partnership is not ownership proof.; verified: 2026-09-29.) | Simply Business describes its U.S. service as an online commercial-insurance marketplace and licensed producer connecting business customers with insurers. Its June 30, 2026 Terms identify Simply Business, LLC and Harborway Insurance Agency, LLC d/b/a Harborway Insurance as licensed producers, with Harborway a Simply Business subsidiary; the Terms say Harborway policies are underwritten by Spinnaker Insurance Company. Other site policies are underwritten by third-party providers, so the selected issuer depends on the offer and policy. These roles and license statements are company-reported. The contact-page footer says Simply Business, LLC is licensed in all U.S. states and D.C.; for California it says the company operates under the name Simply Business Insurance Agency, LLC and displays License #0M20593. The footer also lists Colorado, New York, Pennsylvania and Texas operating names; it gives no other license identifiers. No regulator lookup was performed or required for this candidate. [27](https://www.simplybusiness.com/about-us/ "Our Small Business Insurance Story") [28](https://www.simplybusiness.com/terms-conditions/ "Terms of Service") [40](https://www.travelers.com/about-travelers/producer-compensation-disclosure "Producer Compensation Disclosure (United States)") [29](https://www.simplybusiness.com/contact-us/ "Contact Us") (Evidence: Company-reported; scope: U.S. commercial insurance distribution described by the company. Simply Business, LLC, Simply Business, Inc., Harborway Insurance Agency, LLC, the stated parent and each policy issuer are distinct. The Inc./LLC relationship remains unresolved.; verified: 2026-09-29.) |
| Application process | Embroker provides an online quote entry; the reviewed observation establishes the entry point, not the fields collected. [26](https://app.embroker.com/signup "Start An Embroker Quote") (Evidence: Company-reported; scope: Read-only observation of the public quote entry at https://app.embroker.com/signup on 15 September 2026; no form submitted or account created.; verified: 2026-09-29.)<br><br>An online account alone does not appoint Embroker as your broker; using its brokerage requires a broker-of-record appointment and usually exclusive work with Embroker for those services. [2](https://www.embroker.com/terms/ "Terms And Conditions") (Evidence: Company-reported; scope: Terms §2A; distinction between software access and brokerage engagement, not an interpretation of enforceability.; verified: 2026-09-15.)<br><br>An application may need more underwriting details or be declined, and a quote alone does not start coverage. [2](https://www.embroker.com/terms/ "Terms And Conditions") (Evidence: Company-reported; scope: Terms §13. No quote or binding transaction performed.; verified: 2026-09-15.) | The company advertises online quotes and weekday phone access to licensed agents. Its Terms say a quote is not guaranteed and Simply Business cannot bind a risk without panel-member approval; a quote or online purchase path does not establish that every applicant can bind online. [29](https://www.simplybusiness.com/contact-us/ "Contact Us") [28](https://www.simplybusiness.com/terms-conditions/ "Terms of Service") (Evidence: Company-reported; scope: Published U.S. quote and service channels. Binding depends on panel-member approval and the individual offer.; verified: 2026-09-29.) |
| Servicing and renewals | Existing policyholders may renew legacy management products, but new customers use EMIS; switching requires a new application, according to Embroker. [9](https://www.embroker.com/blog/embroker-launches-emis/ "Embroker Launches EMIS") (Evidence: Company-reported; scope: Launch announcement’s stated transition rules as of research date; not a renewal guarantee.; verified: 2026-09-15.)<br><br>Broker-of-record clients can download policies and certificates from Embroker’s account; custom certificate wording may require a policy endorsement. [4](https://www.embroker.com/faq/ "Insurance FAQ") (Evidence: Company-reported; scope: FAQ Other insurance services; payment/down-payment conditions apply to first-time certificate access. Not independently tested in an authenticated account.; verified: 2026-09-15.)<br><br>Check your renewal deadline: some Embroker policies renew through the insurer, while others require a fresh application and underwriting; the effective date on the new policy controls when protection starts. [4](https://www.embroker.com/faq/ "Insurance FAQ") (Evidence: Company-reported; scope: FAQ Renewals. No automatic-renewal promise across all products and no tested service response time.; verified: 2026-09-15.)<br><br>Before switching brokers, check access to certificates, policy changes and renewal of proprietary products; Embroker says those account functions may end when its brokerage relationship ends. [4](https://www.embroker.com/faq/ "Insurance FAQ") (Evidence: Company-reported; scope: FAQ Engaging Embroker, What happens if I leave Embroker in the future? Not a finding that existing insurance cancels automatically on a broker change.; verified: 2026-09-15.) | Simply Business lists licensed-agent phone support Monday through Friday: sales 8 a.m.–8 p.m. Eastern Time and service 9 a.m.–6 p.m. These listed hours do not establish a response-time guarantee. [29](https://www.simplybusiness.com/contact-us/ "Contact Us") (Evidence: Company-reported; scope: Hours displayed on the current U.S. contact page; no actual wait-time observation is implied.; verified: 2026-09-29.)<br><br>The company describes account access for policy documents, certificates, account updates and adding coverage; help material routes some changes to an agent or insurer. Not every policy change is described as self-service. [29](https://www.simplybusiness.com/contact-us/ "Contact Us") [30](https://www.simplybusiness.com/help-center/ "Help Center") [28](https://www.simplybusiness.com/terms-conditions/ "Terms of Service") (Evidence: Company-reported; scope: Company-described post-purchase service paths; available tasks may depend on policy and insurer.; verified: 2026-09-29.)<br><br>The Help Center FAQ says most customers opt into automatic renewal and gives 60-day notice and 30-day processing timing only for those who opt in. The same Help Center summary and June 30, 2026 Terms use broader automatic-renewal wording without the FAQ’s opt-in qualification. The public descriptions conflict; they do not establish which wording applies to every policy. [30](https://www.simplybusiness.com/help-center/ "Help Center") [28](https://www.simplybusiness.com/terms-conditions/ "Terms of Service") (Evidence: Conflicting sources; scope: Company-published descriptions reviewed 2026-09-29. FAQ detail, Help Center summary and Terms are inconsistent; no buyer-specific policy notice was reviewed.; verified: 2026-09-29.) |
| Claims assistance | Use your account’s Claims tab for reporting instructions; for active cyber incidents follow the hotline in your policy, and report other claims to the insurer named there. [19](https://www.embroker.com/claims/ "Claims") (Evidence: Company-reported; scope: Claims page How it works and FAQ. No submission performed. Policy-specific reporting requirements take priority over general website steps.; verified: 2026-09-15.)<br><br>Embroker says it aims to issue a written coverage determination within 30 days, but gives no claim-resolution schedule; a coverage decision is not a payment deadline or proof of performance. [19](https://www.embroker.com/claims/ "Claims") (Evidence: Company-reported; scope: Same claims page: Step 2 versus How long will it take to work through the claim? Distinct stages, not treated as a direct contradiction. No national statutory deadline asserted.; verified: 2026-09-15.) | The Terms say third-party insurers underwrite site policies and each provider handles claims on its own policies; the Help Center directs policyholders to identify and contact the insurer. This establishes a published route, not agency assistance after notice or claim outcomes. [28](https://www.simplybusiness.com/terms-conditions/ "Terms of Service") [30](https://www.simplybusiness.com/help-center/ "Help Center") (Evidence: Company-reported; scope: General site-policy claim responsibility. Harborway/Spinnaker applies only to the named Harborway placement relationship.; verified: 2026-09-29.) |
| Customer focus | Funded startups, technology firms, law firms and other professional-services businesses can apply online or get broker help buying and managing coverage through Embroker. [1](https://www.embroker.com/ "Embroker") [2](https://www.embroker.com/terms/ "Terms And Conditions") [4](https://www.embroker.com/faq/ "Insurance FAQ") (Evidence: Company-reported; scope: Current public customer positioning and documented distribution channels; no claim that every applicant is eligible.; verified: 2026-09-15.) | Simply Business says it serves small businesses and solopreneurs and lists examples such as contractors, cleaning businesses, LLCs and sole proprietors. These examples describe its stated audience, not guaranteed insurer eligibility or availability. [27](https://www.simplybusiness.com/about-us/ "Our Small Business Insurance Story") [32](https://www.simplybusiness.com/business-insurance/ "Business Insurance for Small Businesses") [28](https://www.simplybusiness.com/terms-conditions/ "Terms of Service") (Evidence: Company-reported; scope: Company-described U.S. audience; eligibility varies by insurer, state and business details.; verified: 2026-09-29.) |
| Fees and compensation | Ask whether your quote includes commissions, contingent or supplemental compensation, or client fees; Embroker says its software is free but insurance services may generate these payments, agreed before binding. [3](https://www.embroker.com/disclosure/ "Compensation Disclosure") (Evidence: Company-reported; scope: Compensation disclosure; no policy-specific rate or amount established. Free software does not mean free insurance or zero distribution compensation.; verified: 2026-09-15.)<br><br>Get payment-processing and finance costs separately from broker compensation because processors and premium-finance lenders may charge their own fees. [2](https://www.embroker.com/terms/ "Terms And Conditions") (Evidence: Company-reported; scope: Terms §§2A and 22; no specific financing offer reviewed.; verified: 2026-09-15.) | The Terms say Simply Business receives commission or other compensation from or through panel members and that customers may also incur separate processing, administrative, service, installment or cancellation fees. They give no amount or placement-specific applicability; the Terms say charges are disclosed before purchase. [28](https://www.simplybusiness.com/terms-conditions/ "Terms of Service") (Evidence: Company-reported; scope: General disclosure dated 2026-06-30; no specific commission, fee schedule, premium or customer charge was reviewed.; verified: 2026-09-29.) |

## Related Reading

- [What Is Embroker?](https://spot.insure/insurance-providers/embroker)
- [Simply Business: Online Small-Business Insurance Marketplace](https://spot.insure/insurance-providers/simply-business)

## Related Comparisons

- [AIG vs Embroker](https://spot.insure/compare/aig-vs-embroker)
- [AIG vs Simply Business](https://spot.insure/compare/aig-vs-simply-business)
- [Alliance Risk vs Embroker](https://spot.insure/compare/alliance-risk-vs-embroker)
- [Alliance Risk vs Simply Business](https://spot.insure/compare/alliance-risk-vs-simply-business)
- [Amelia Risk vs Embroker](https://spot.insure/compare/amelia-risk-vs-embroker)
- [Amelia Risk vs Simply Business](https://spot.insure/compare/amelia-risk-vs-simply-business)
- [Aon vs Embroker](https://spot.insure/compare/aon-vs-embroker)
- [Aon vs Simply Business](https://spot.insure/compare/aon-vs-simply-business)
- [Armilla vs Embroker](https://spot.insure/compare/armilla-vs-embroker)
- [Armilla vs Simply Business](https://spot.insure/compare/armilla-vs-simply-business)
- [At-Bay vs Embroker](https://spot.insure/compare/at-bay-vs-embroker)
- [At-Bay vs Simply Business](https://spot.insure/compare/at-bay-vs-simply-business)
- [The Baldwin Group vs Embroker](https://spot.insure/compare/baldwin-vs-embroker)
- [The Baldwin Group vs Simply Business](https://spot.insure/compare/baldwin-vs-simply-business)
- [Beazley vs Embroker](https://spot.insure/compare/beazley-vs-embroker)
- [Beazley vs Simply Business](https://spot.insure/compare/beazley-vs-simply-business)
- [Berkshire Hathaway Specialty Insurance vs Embroker](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-embroker)
- [Berkshire Hathaway Specialty Insurance vs Simply Business](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-simply-business)
- [biBerk vs Embroker](https://spot.insure/compare/biberk-vs-embroker)
- [biBerk vs Simply Business](https://spot.insure/compare/biberk-vs-simply-business)
- [CFC vs Embroker](https://spot.insure/compare/cfc-vs-embroker)
- [CFC vs Simply Business](https://spot.insure/compare/cfc-vs-simply-business)
- [Chubb vs Embroker](https://spot.insure/compare/chubb-vs-embroker)
- [Chubb vs Simply Business](https://spot.insure/compare/chubb-vs-simply-business)
- [CNA vs Embroker](https://spot.insure/compare/cna-vs-embroker)
- [CNA vs Simply Business](https://spot.insure/compare/cna-vs-simply-business)
- [Coalition vs Embroker](https://spot.insure/compare/coalition-vs-embroker)
- [Coalition vs Simply Business](https://spot.insure/compare/coalition-vs-simply-business)
- [Corgi vs Embroker](https://spot.insure/compare/corgi-vs-embroker)
- [Corgi vs Simply Business](https://spot.insure/compare/corgi-vs-simply-business)
- [Coterie Insurance vs Embroker](https://spot.insure/compare/coterie-vs-embroker)
- [Coterie Insurance vs Simply Business](https://spot.insure/compare/coterie-vs-simply-business)
- [Counterpart vs Embroker](https://spot.insure/compare/counterpart-vs-embroker)
- [Counterpart vs Simply Business](https://spot.insure/compare/counterpart-vs-simply-business)
- [Coverdash vs Embroker](https://spot.insure/compare/coverdash-vs-embroker)
- [Coverdash vs Simply Business](https://spot.insure/compare/coverdash-vs-simply-business)
- [Cowbell vs Embroker](https://spot.insure/compare/cowbell-vs-embroker)
- [Cowbell vs Simply Business](https://spot.insure/compare/cowbell-vs-simply-business)
- [Embroker vs Founder Shield](https://spot.insure/compare/embroker-vs-foundershield)

## Sources

### [Embroker Official Website](https://www.embroker.com/)

1. [Embroker](https://www.embroker.com/). Embroker; Industry navigation; quote and sign-in links; coverage options; footer availability qualification. Accessed 2026-09-15.
2. [Terms And Conditions](https://www.embroker.com/terms/). Embroker; Introduction; §§2A–B Insurance services, 13 Applications and quotes, 15 Insurance companies and underwriting guidelines, 16 Certificates, 21 Surplus lines products, 22 Payments. Accessed 2026-09-15.
3. [Compensation Disclosure](https://www.embroker.com/disclosure/). Embroker; Commissions (including contingent and supplemental); Client fees; Other benefits or compensation. Accessed 2026-09-15.
4. [Insurance FAQ](https://www.embroker.com/faq/). Embroker; Engaging Embroker: leaving and transferring policies; Applying for insurance; Renewals; Other insurance services: specimen policies, certificates and policy documents. Accessed 2026-09-15.
5. [Published License List](https://www.embroker.com/licenses/). Embroker; AK–WY list, including DC; California 0K44291. Accessed 2026-09-15.
6. [California License Number Search](https://cdicloud.insurance.ca.gov/cal/LicenseNumberSearch). California Department of Insurance; License-number search for 0K44291. Accessed 2026-09-15.
7. [Embroker Insurance Services LLC — Entity Record](https://search.sunbiz.org/Inquiry/corporationsearch/SearchResultDetail?aggregateId=forl-m15000008735-158ae97b-a8ff-4f0b-8741-df22b86b81c9&directionType=Initial&inquirytype=EntityName&listNameOrder=EMBROIDUSA+P070000384650&searchNameOrder=EMBROKERINSURANCESERVICES+M150000087350&searchTerm=EMBROIDUSA%2CINC.). Florida Department of State, Division of Corporations; Document M15000008735; foreign LLC, Delaware; Authorized Member: Embroker, Inc.; 2026 annual report filed 20 January 2026. Accessed 2026-09-15.
8. [Business Insurance Coverage Options](https://www.embroker.com/coverage/). Embroker; Individual coverages: Business Owners Policy, Commercial Crime, Cyber, Directors & Officers, Employment Practices Liability, Fiduciary Liability, General Liability, Professional Liability (Errors and Omissions), Workers Compensation; Coverages navigation: Lawyers Professional Liability, Professional Liability, Tech Errors and Omissions; industry packages; invitation to seek other policies through Embroker; Get a Quote links. Accessed 2026-09-16.
9. [Embroker Launches EMIS](https://www.embroker.com/blog/embroker-launches-emis/). Embroker; 19 August 2026 announcement: introduction; What’s changing; coverage options (four coverages); legacy renewals versus new business; Availability; About Embroker issuer disclosure naming Everspan Indemnity Insurance Company. Accessed 2026-09-16.
10. [Embroker Access](https://access.embroker.com/). Embroker; EMIS announcement; appointed-broker quoting, binding and issuance; product links; footer identifies Embroker Insurance Services, LLC. Accessed 2026-09-15.
11. [Tech E&O / Cyber — Broker Program](https://access.embroker.com/for-brokers/tech-eo-cyber/). Embroker; Tech E&O / Cyber hero; Appetite: private for-profit technology companies, revenue below $300M, MFA above $5M, excluded crypto, blockchain and cannabis industries; Coverage Highlights, including software code infringement; Get Appointed. Accessed 2026-09-16.
12. [Technology Errors And Omissions / Cyber](https://www.embroker.com/coverage/tech-errors-omissions/). Embroker; What’s not included: copyright, libel and intellectual property; FAQ: additional coverages and excess coverage cannot be written over an Embroker primary policy. Accessed 2026-09-15.
13. [Excess Tech E&O / Cyber](https://access.embroker.com/for-brokers/excess-tech-eo-cyber-program/). Embroker; At a Glance; Appetite; underlying Tech E&O requirement; Everspan underwriting statement; ineligible industries; documents required to quote; Excess Tech E&O / Cyber. Accessed 2026-09-16.
14. [Lawyers Professional Liability — Broker Program](https://access.embroker.com/for-brokers/lawyers-professional-liability-program/). Embroker; Appetite: 1–25 attorneys, claims-free and no discipline; standalone lawyers professional liability program; Everest National; coverage highlights and defense cost features. Accessed 2026-09-16.
15. [Everest Elevation Lawyers Professional Liability — Specimen](https://access.embroker.com/wp-content/uploads/2023/05/LPL-SPECIMEN-POLICY.pdf). Everest National Insurance Company (hosted by Embroker); PDF pp. 2–3: declarations LPL-CWF001A-1 0319 name Everest National and Embroker Insurance Services LLC; PDF p. 5: LPL-CWF100A-1 0319 warning and §I, claims-made/reporting/retroactive date; PDF p. 4 lists state amendments as TBD. Accessed 2026-09-15.
16. [Law Firm Insurance Package](https://www.embroker.com/law/). Embroker; Comprehensive coverage for law firms: Lawyers Professional Liability, Cyber, Business Owners Policy and Workers Compensation tabs. Accessed 2026-09-15.
17. [Insurance For Technology Companies](https://www.embroker.com/non-funded-tech-companies/). Embroker; Technology Package: Tech E&O/Cyber and BOP; Plus-only fraud, bricking and utility features; optional hired/non-owned auto under BOP. Accessed 2026-09-15.
18. [Embroker’s AI Coverage](https://www.embroker.com/blog/embroker-launches-ai-coverage/). Embroker; Article (published 26 May 2026; endorsement effective 5 August 2025): What’s included; algorithm removal expenses up to $150,000; qualifying Technology E&O/Cyber quotes. Accessed 2026-09-15.
19. [Claims](https://www.embroker.com/claims/). Embroker; How it works: account Claims tab, confirmation and review; FAQ: active cyber events use policy hotline, other claims use insurer contacts; no fixed resolution time. Accessed 2026-09-15.
20. [Key Person Insurance](https://www.embroker.com/coverage/key-person-insurance/). Embroker; Key Person Insurance product introduction: life insurance for an executive, founder or other critical employee; concierge service; inquiry form and quote route. Accessed 2026-09-16.
21. [Commercial Auto Insurance](https://www.embroker.com/coverage/commercial-auto-insurance/). Embroker; Opening Embroker service offer; Who Is It For? commercial auto quote invitation. Accessed 2026-09-16.
22. [Commercial Property Insurance](https://www.embroker.com/coverage/commercial-property-insurance/). Embroker; Opening Embroker service offer; Who Is It For? property quote invitation. Accessed 2026-09-16.
23. [Surety Bonds](https://www.embroker.com/coverage/surety-bonds/). Embroker; Surety Bonds: opening statement that Embroker helps obtain surety bonds; What are they? (obligee, principal and surety; government agency; license or permit); What Is a Construction Bond?; Get a Quote. Accessed 2026-09-16.
24. [Product Liability Insurance](https://www.embroker.com/coverage/product-liability-insurance/). Embroker; Product Liability Insurance introduction (injury or property damage from products produced, distributed or sold); Why Get It With Embroker?; Get a Quote. Accessed 2026-09-16.
25. [Insurance For Venture Capital And Private Equity Firms](https://www.embroker.com/venture-capital-private-equity-firms/). Embroker; Insurance simplified for VC & private equity firms: VCAP offering, growth-practice brokers and platform service; comprehensive VCAP insurance for finance/VC/PE firms. Accessed 2026-09-16.
26. [Start An Embroker Quote](https://app.embroker.com/signup). Embroker; Public first screen: company name, optional website question, linked terms/disclosure and Continue. Accessed 2026-09-15.

### [Simply Business Official Website](https://www.simplybusiness.com/)

27. [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.
28. [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.
29. [Contact Us](https://www.simplybusiness.com/contact-us/). Simply Business; Opening contact details lines 20–31; licensed-agent phone hours lines 46–59; U.S. licensing and state-specific name disclosures in footer lines 108–111, including California License #0M20593. Accessed 2026-09-29.
30. [Help Center](https://www.simplybusiness.com/help-center/). Simply Business; Claims, account servicing, agent-routed changes, renewal FAQ and Common Topics. Accessed 2026-09-29.
31. [How Simply Business Works](https://www.simplybusiness.com/about-us/how-simply-business-works/). Simply Business; Common types lines 92–160; quote/purchase flow; estimate-method footnotes lines 198–200. Accessed 2026-09-29.
32. [Business Insurance for Small Businesses](https://www.simplybusiness.com/business-insurance/). Simply Business; Small Business Insurance Coverage Options and policy links. Accessed 2026-09-29.
33. [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.
34. [Workers’ Compensation Insurance for Small Business](https://www.simplybusiness.com/business-insurance/workers-compensation-insurance/). Simply Business; Coverage and benefits lines 45–69; state/buyer qualifications lines 178–189. Accessed 2026-09-29.
35. [Professional Liability Insurance Coverage](https://www.simplybusiness.com/business-insurance/professional-liability-insurance/). Simply Business; Coverage lines 45–100; buyer examples lines 101–158; online quote steps lines 237–260. Accessed 2026-09-29.
36. [Business Owner’s Policy Insurance](https://www.simplybusiness.com/business-insurance/business-owners-policy-insurance/). Simply Business; Bundle lines 34–38, 218–243; add-on/exclusion discussion lines 226–243; buyer and quote sections. Accessed 2026-09-29.
37. [Commercial Property Insurance](https://www.simplybusiness.com/business-insurance/business-owners-policy-insurance/commercial-property-insurance/). Simply Business; Lines 15–18 present physical-location cover as part of a BOP; lines 34–49 describe the package; lines 59–63 say it is offered as part of the BOP rather than as a standalone policy and link to a BOP quote. Accessed 2026-09-29.
38. [Inland Marine Insurance](https://www.simplybusiness.com/business-insurance/inland-marine-insurance/). Simply Business; Equipment/inventory lines 15–18, 59–63; examples and quote workflow lines 97–140, 168–191. Accessed 2026-09-29.
39. [Cyber Insurance](https://www.simplybusiness.com/business-insurance/cyber-liability-insurance/). Simply Business; Claim types lines 88–105; select-buyer add-on/phone quote lines 171–175; route and last-updated lines 389–395. Accessed 2026-09-29.
40. [Producer Compensation Disclosure (United States)](https://www.travelers.com/about-travelers/producer-compensation-disclosure). Travelers; Ownership interest in a producer, lines 57–60: Travelers says it owns Simply Business, Inc.; relation to Simply Business, LLC not stated. Accessed 2026-09-29.

Updated 2026-09-30. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/embroker-vs-simply-business.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)