Embroker vs 
Simply Business: How Do They Compare for Business Owner’s Policy?
Embroker targets businesses under 100 employees and $10 million revenue with a physical location; Simply Business publishes no matching fixed threshold here and makes quote availability dependent on business, state, and insurer. Embroker expressly says its BOP excludes cyber breaches and employment claims, with some separate or endorsed options; Simply Business says professional liability and workers’ compensation are not standard and professional liability may sometimes be added. 4,7
What Is Embroker?
Embroker suits technology firms seeking a single application for management coverage plus eligible Tech E&O and cyber, and law firms seeking a grouped package; buyers needing only standard small-business coverage should compare direct carriers. 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 a Business Owner’s Policy?
A BOP may suit an eligible small business that wants property, liability and lost-income protection together. If you also need auto, workers’ compensation or professional liability, plan for separate coverage. 8,9
What Are the Key Differences Between Embroker and Simply Business Business Owner’s Policy?
Package and Scope
Embroker targets businesses under 100 employees and $10 million revenue with a physical location; Simply Business publishes no matching fixed threshold here and makes quote availability dependent on business, state, and insurer. Ask whether your revenue, staff, and premises fit each offered market. 4 7
Buyer Fit and Access
Embroker expressly says its BOP excludes cyber breaches and employment claims, with some separate or endorsed options; Simply Business says professional liability and workers’ compensation are not standard and professional liability may sometimes be added. Compare these excluded exposures and endorsements line by line. 4 7
What Should You Confirm in Embroker and Simply Business Business Owner’s Policy Quotes?
- Ask Embroker to identify the issuing insurer and state every included coverage, sublimit, and exclusion; its reviewed BOP page does not publish standard policy limits. 4
- Ask Simply Business which insurer and issued form support the quoted package, including business-interruption terms and any add-ons available for your state and business. 7
Embroker and Simply Business Review Scores for 2026
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.
Embroker Review Score
Review Score
3 rated sources
Embroker’s reviews are mixed, and BBB records a complaint-response concern. The feedback is too limited to establish consistent service quality.[4][6][7]
Read Embroker reviewsSimply Business Review Score
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 reviewsEmbroker vs Simply Business Business Owner’s Policy Compared
Embroker vs Simply Business: Business Owner’s Policy: documented features by provider
| Criteria | Embroker Business Owners Policy | Business owner’s policy (BOP) through Simply Business |
|---|---|---|
| Role in This Line | Embroker packages its Business Owners Policy as a bundled product combining commercial property, general liability and business interruption coverage, sold through its own quote platform. 4Company-reported. Product-page description of the bundle; not a statement about the issuing insurer. | Confirm in your quote. |
| Who It’s For | Embroker targets its BOP at small businesses with fewer than 100 employees, less than $10 million in annual revenue and a physical location, including a home office. 4Company-reported. Product-page eligibility criteria; larger or higher-risk businesses may not qualify for a BOP at all. | Confirm in your quote. |
| Coverage Features | The BOP covers commercial property damage or theft, third-party bodily injury and property damage claims, and business interruption loss of income. 4Company-reported. Product-page coverage summary; the issued policy and declarations control. Embroker says the BOP does not cover cyberattacks and breaches, professional liabilities such as errors and omissions, employment-related claims, or criminal activity, and that workers' compensation and commercial auto usually must be bought separately. 4Company-reported. Product-page What's not included and FAQ sections. Embroker says the BOP can take endorsements for professional liability, employment practices liability and commercial property add-ons such as spoiled merchandise or mechanical breakdown coverage, and can be packaged with separate cyber or workers' compensation policies. 4Company-reported. FAQ section; specific endorsement availability depends on underwriting. | Simply Business describes a BOP as a package that typically combines general liability and property coverage and discusses business-interruption protection. Exact covered property, interruption triggers and exclusions depend on the issued form. 7Company-reported. Company-published business-owners-policy information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer. The company says a standard BOP does not include workers’ compensation or professional liability by default; professional liability may be added in some cases. Check the selected policy and endorsements. 7Company-reported. Company-published business-owners-policy information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer. |
| Risk Services | The reviewed BOP page does not describe line-specific risk-control or loss-prevention services beyond general references to the Embroker Resource Hub and chat support. 4Not found in reviewed sources. Product page as read on 2026-09-23; broader broker-wide services may exist elsewhere. | Confirm in your quote. |
| How to Apply | Embroker offers an online quote for BOP coverage through its digital platform rather than a purely manual application. 4Company-reported. Product-page 'Quick quotes' feature description; no quote was requested during this research. | The page describes entering business details and reviewing available quotes through the marketplace. The Terms say coverage and quote availability vary by state, insurer and business, and binding needs panel-member approval. 7,6Company-reported. Company-published business-owners-policy information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer. |
Related Pages for Embroker vs Simply Business Business Owner’s Policy
Business Owner’s Policy Pages for Embroker and Simply Business
Other Coverage Lines Compared for Embroker vs Simply Business
Other Business Owner’s Policy Provider Comparisons
Sources for Embroker vs Simply Business Business Owner’s Policy
Sources About Embroker
- Embroker. Embroker; Industry navigation; quote and sign-in links; coverage options; footer availability qualification. Accessed 2026-09-15.
- Terms And Conditions. 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.
- Embroker Access. Embroker; EMIS announcement; appointed-broker quoting, binding and issuance; product links; footer identifies Embroker Insurance Services, LLC. Accessed 2026-09-15.
- Business Owners Policy. Embroker; Why it's essential; Who needs this coverage; What is a Business Owners Policy?; What's covered; What's not included; FAQ: Are there additional coverages available with BOP insurance?; Who benefits most from BOP insurance? Accessed 2026-09-23.
Sources About 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.
- Business Owner’s 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.
Sources for the Business Owner’s Policy Guide
- Small Business. National Association of Insurance Commissioners; FAQ: What’s a business owners policy?; What’s general liability insurance. Accessed 2026-09-16.
- Business Interruption and Business Owner Policy. National Association of Insurance Commissioners; Background; General liability, Commercial property and Business interruption bullets. Accessed 2026-09-16.
