---
title: "HUB International vs Simply Business"
description: "Compare HUB International 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/hub-international-vs-simply-business"
page-type: "provider-comparison"
updated-at: "2026-09-30"
---

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[Human-readable page](https://spot.insure/compare/hub-international-vs-simply-business)

# HUB International vs Simply Business

Compare HUB International 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 HUB International if your business fits small businesses and technology or cyber businesses, 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. [4](https://www.hubinternational.com/about-us/ "About Us") [39](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.

### HUB International

Role: Broker.

Broker Spot Score: **5.5/10** (partial score; 15% 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.); Carrier-Network Strength (The reviewed evidence does not name the carrier and capacity arrangements behind the assessed programs, so the relationships cannot be assessed.); 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/hub-international/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).

## HUB International Reviews

Review Score: 5.6 / 10 from 2 rated sources, equally weighted.

Customers who reviewed HUB on BBB rate it 1 out of 5, but that is only 7 reviews for a very large broker. BBB's own business grade is A-.

- BBB: BBB business grade A- (BBB letter grade). BBB profile for HUB International, Chicago headquarters and its corporate-owned locations (United States). HUB is a global broker; BBB coverage is US/Canada and split by office profile. Period: current page, accessed 2026-09-29; 3 complaints closed in last 3 years. Checked 2026-09-29. [HUB International | BBB Business Profile](https://www.bbb.org/us/il/chicago/profile/insurance-services-office/hub-international-0654-12000202)
- BBB customer reviews: BBB customer reviews 1 (out of 5); 7 reviews. Customer reviews left on the same BBB headquarters profile (HQ and corporate-owned US locations). Small sample. Checked 2026-09-29. [HUB International | BBB Reviews](https://www.bbb.org/us/il/chicago/profile/insurance-services-office/hub-international-0654-12000202/customer-reviews)
- BBB Canada West: BBB business grade A- (BBB letter grade). BBB profile for HUB International Canada West ULC, Burnaby BC. Covers one Canadian regional entity only, not the whole group. Period: current page; 13 complaints closed in last 3 years; 3 customer reviews. Checked 2026-09-29. [HUB International Canada West ULC | BBB Reviews](https://www.bbb.org/ca/bc/burnaby/profile/insurance-services-office/hub-international-insurance-brokers-hub-coastal-0037-120326/customer-reviews)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/hub-international/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 small businesses and technology or cyber businesses through HUB International 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. [4](https://www.hubinternational.com/about-us/ "About Us") [39](https://www.simplybusiness.com/about-us/ "Our Small Business Insurance Story")



## Coverage Comparison

| Coverage Type | HUB International | Simply Business |
| --- | --- | --- |
| [Builders risk](https://spot.insure/coverage/builders-risk) | Listed: HUB International arranges builders risk insurance. [10](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") | Not listed |
| [Business owner’s policy](https://spot.insure/coverage/business-owners-policy) | Listed: HUB International arranges business owner’s policies for small and midsized businesses. [18](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") | Listed [48](https://www.simplybusiness.com/business-insurance/business-owners-policy-insurance/ "Business Owner’s Policy Insurance") |
| [Cargo and transit](https://spot.insure/coverage/cargo-transit) | Listed: HUB International arranges cargo insurance. [28](https://www.hubinternational.com/products/business-insurance/marine-insurance/ "Marine Insurance Broker Policy & Coverage") [10](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") | Not listed |
| [Commercial auto](https://spot.insure/coverage/commercial-auto) | Listed: HUB International arranges commercial auto insurance. [20](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") | Not listed |
| [Commercial property](https://spot.insure/coverage/commercial-property) | Listed: HUB International arranges commercial property insurance. [19](https://www.hubinternational.com/products/business-insurance/commercial-property-insurance/ "Commercial (Business) Property Insurance Brokers") | Listed: Offered as part of a BOP, rather than as a standalone policy. [49](https://www.simplybusiness.com/business-insurance/business-owners-policy-insurance/commercial-property-insurance/ "Commercial Property Insurance") [48](https://www.simplybusiness.com/business-insurance/business-owners-policy-insurance/ "Business Owner’s Policy Insurance") |
| [Crime](https://spot.insure/coverage/crime) | Listed: HUB International arranges commercial crime insurance. [21](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers") [16](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") | Not listed |
| [Cyber liability](https://spot.insure/coverage/cyber) | Listed: HUB International arranges cyber insurance. [13](https://www.hubinternational.com/products/business-insurance/cyber-insurance/ "Cyber Insurance") [10](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") | Listed: Add-on for select buyers purchasing another business policy; phone quote route. [51](https://www.simplybusiness.com/business-insurance/cyber-liability-insurance/ "Cyber Insurance") |
| [Directors and officers](https://spot.insure/coverage/directors-officers) | Listed: HUB International arranges directors and officers liability insurance. [12](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") [10](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") | Not listed |
| [Employee health and benefits](https://spot.insure/coverage/employee-health-benefits) | Listed: HUB International arranges employee health and benefits programs. [30](https://www.hubinternational.com/products/employee-benefits/ "Employee Benefits Brokers and Consulting Services") [1](https://www.hubinternational.com/offices/us/california/san-francisco/ "Insurance Broker San Francisco") | Not listed |
| [Employment practices liability](https://spot.insure/coverage/employment-practices) | Listed: HUB International arranges employment practices liability insurance. [16](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [10](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") | Not listed |
| [Equipment breakdown](https://spot.insure/coverage/equipment-breakdown) | Listed: HUB International arranges equipment breakdown insurance. [29](https://www.hubinternational.com/products/business-insurance/boiler-and-machinery-insurance/ "Boiler and Machinery Equipment Insurance Coverage") | Not listed |
| [Fidelity bonds](https://spot.insure/coverage/fidelity-bonds) | Listed: HUB International arranges crime and fidelity coverage through its professional and executive risk practice. [16](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") | Not listed |
| [Fiduciary liability](https://spot.insure/coverage/fiduciary) | Listed: HUB International arranges fiduciary liability insurance. [22](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers") [16](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") | Not listed |
| [General liability](https://spot.insure/coverage/general-liability) | Listed: HUB International arranges general liability insurance. [11](https://www.hubinternational.com/products/business-insurance/general-liability/ "General Liability Insurance Brokers") | Listed [45](https://www.simplybusiness.com/business-insurance/general-liability-insurance/ "General Liability Insurance for a Small Business") |
| [Hired and non-owned auto](https://spot.insure/coverage/hired-non-owned-auto) | Listed: HUB International arranges hired and non-owned auto coverage through its commercial auto brokerage. [20](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") | Not listed |
| [Key person](https://spot.insure/coverage/key-person) | Listed: HUB International arranges key person life and disability insurance. [10](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") | Not listed |
| [Kidnap and ransom](https://spot.insure/coverage/kidnap-ransom) | Listed: HUB International arranges kidnap and ransom insurance. [23](https://www.hubinternational.com/products/business-insurance/kidnap-and-ransom-insurance/ "Kidnap and Ransom Insurance Brokers") [16](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") | Not listed |
| [Management liability](https://spot.insure/coverage/management-liability) | Listed: HUB International arranges management liability insurance through its professional and executive risk practice. [10](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") [16](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") | Not listed |
| [Medical malpractice](https://spot.insure/coverage/medical-malpractice) | Listed: HUB International arranges medical professional liability insurance for health care professionals. [25](https://www.hubinternational.com/products/business-insurance/medical-malpractice-insurance/ "Medical Malpractice Insurance Brokers") | Not listed |
| [Product liability](https://spot.insure/coverage/product-liability) | Listed: HUB International arranges product liability insurance. [27](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") | Not listed |
| [Product recall](https://spot.insure/coverage/product-recall) | Listed: HUB International arranges product recall insurance. [27](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") | Not listed |
| [Professional errors and omissions (E&O)](https://spot.insure/coverage/professional-errors-omissions) | Listed: HUB International arranges professional errors and omissions insurance. [14](https://www.hubinternational.com/products/business-insurance/professional-liability-insurance/ "Professional Liability Insurance Brokers") [15](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") | Listed [47](https://www.simplybusiness.com/business-insurance/professional-liability-insurance/ "Professional Liability Insurance Coverage") |
| [Representations and warranties](https://spot.insure/coverage/representations-warranties) | Listed: HUB International arranges representations and warranties insurance. [26](https://www.hubinternational.com/products/business-insurance/mergers-and-acquisitions-insurance/ "Mergers & Acquisitions (M&A) Insurance Broker") | Not listed |
| [Surety bonds](https://spot.insure/coverage/surety-bonds) | Listed: HUB International arranges surety bonds. [24](https://www.hubinternational.com/products/business-insurance/surety-bonds/ "Surety Bonds and Surety Bond Insurance for Businesses") | Not listed |
| [Technology errors and omissions (E&O)](https://spot.insure/coverage/technology-errors-omissions) | Listed: HUB International arranges technology errors and omissions insurance. [10](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") | Not listed |
| [Tools, equipment and inland marine](https://spot.insure/coverage/inland-marine) | Listed: HUB International arranges inland marine insurance through its marine practice. [28](https://www.hubinternational.com/products/business-insurance/marine-insurance/ "Marine Insurance Broker Policy & Coverage") | Listed [50](https://www.simplybusiness.com/business-insurance/inland-marine-insurance/ "Inland Marine Insurance") |
| [Trucking](https://spot.insure/coverage/trucking) | Listed: HUB International arranges trucking insurance. [20](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") | Not listed |
| [Umbrella and excess liability](https://spot.insure/coverage/umbrella-excess) | Listed: HUB International arranges umbrella and excess liability insurance. [27](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") | Not listed |
| [Virtual care and telehealth](https://spot.insure/coverage/virtual-care-telehealth) | Listed: HUB International arranges virtual care insurance for health care organizations. [31](https://www.hubinternational.com/industries/healthcare-business-insurance/virtual-care-insurance/ "Virtual Care Insurance Brokerage Coverage") | Not listed |
| [Workers’ compensation](https://spot.insure/coverage/workers-compensation) | Listed: HUB International arranges workers’ compensation insurance. [17](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers") | Listed [46](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 HUB International 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.

Bay Area technology, venture-capital, healthcare, life-sciences, real-estate and construction businesses can contact HUB’s San Francisco team; this is a local service description, not a product eligibility list. [1](https://www.hubinternational.com/offices/us/california/san-francisco/ "Insurance Broker San Francisco") [2](https://www.hubinternational.com/offices/us/california/san-francisco-44-montgomery-street/ "HUB International San Francisco 44 Montgomery Street") (Evidence: Company-reported; scope: HUB International San Francisco office page at 201 Mission Street. A separate 44 Montgomery Street office describes contractor bonding and City of San Francisco contractor-development work under a Merriwether & Williams history.; verified: 2026-09-16.)

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. [39](https://www.simplybusiness.com/about-us/ "Our Small Business Insurance Story") [44](https://www.simplybusiness.com/business-insurance/ "Business Insurance for Small Businesses") [40](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.)

Businesses can ask HUB about liability, property, workers’ comp, auto, cyber, D&O, professional liability, crime, fiduciary, bonds, malpractice, marine, equipment and transaction coverage, plus employee benefits; marketing pages do not establish exact forms or eligibility. [9](https://www.hubinternational.com/products/business-insurance/ "Business Insurance Broker Coverage Policy") [11](https://www.hubinternational.com/products/business-insurance/general-liability/ "General Liability Insurance Brokers") [19](https://www.hubinternational.com/products/business-insurance/commercial-property-insurance/ "Commercial (Business) Property Insurance Brokers") [17](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers") [18](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") [20](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") [13](https://www.hubinternational.com/products/business-insurance/cyber-insurance/ "Cyber Insurance") [12](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") [14](https://www.hubinternational.com/products/business-insurance/professional-liability-insurance/ "Professional Liability Insurance Brokers") [15](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") [21](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers") [22](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers") [23](https://www.hubinternational.com/products/business-insurance/kidnap-and-ransom-insurance/ "Kidnap and Ransom Insurance Brokers") [24](https://www.hubinternational.com/products/business-insurance/surety-bonds/ "Surety Bonds and Surety Bond Insurance for Businesses") [25](https://www.hubinternational.com/products/business-insurance/medical-malpractice-insurance/ "Medical Malpractice Insurance Brokers") [28](https://www.hubinternational.com/products/business-insurance/marine-insurance/ "Marine Insurance Broker Policy & Coverage") [29](https://www.hubinternational.com/products/business-insurance/boiler-and-machinery-insurance/ "Boiler and Machinery Equipment Insurance Coverage") [26](https://www.hubinternational.com/products/business-insurance/mergers-and-acquisitions-insurance/ "Mergers & Acquisitions (M&A) Insurance Broker") [27](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") [30](https://www.hubinternational.com/products/employee-benefits/ "Employee Benefits Brokers and Consulting Services") [16](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Company-reported; scope: Official product and casualty pages accessed 16 September 2026. Catalogue entries are brokerage offerings, not proof that a California startup can obtain each line on stated terms.; verified: 2026-09-16.)

### Roles and Quote Access

HUB helps businesses arrange insurance through brokers and agents; reviewed product pages describe brokerage, not HUB as the insurer. Its subsidiaries hold licenses in various US states and Canadian provinces. [4](https://www.hubinternational.com/about-us/ "About Us") [5](https://www.hubinternational.com/terms-and-conditions/ "Terms and Conditions") [9](https://www.hubinternational.com/products/business-insurance/ "Business Insurance Broker Coverage Policy") (Evidence: Company-reported; scope: Brand and parent identity as of 16 September 2026. Does not identify which subsidiary would appear on a California producer license or policy declarations.; verified: 2026-09-16.)

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. [39](https://www.simplybusiness.com/about-us/ "Our Small Business Insurance Story") [40](https://www.simplybusiness.com/terms-conditions/ "Terms of Service") [52](https://www.travelers.com/about-travelers/producer-compensation-disclosure "Producer Compensation Disclosure (United States)") [41](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.)

Small accounts meeting HUB’s size guidelines can start an online Insureon quote; other buyers contact a HUB broker or local office. The reviewed site does not offer a public self-serve bind route for mid-market programs. [8](https://www.hubinternational.com/contact-us/ "Contact Us") [11](https://www.hubinternational.com/products/business-insurance/general-liability/ "General Liability Insurance Brokers") [12](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") [13](https://www.hubinternational.com/products/business-insurance/cyber-insurance/ "Cyber Insurance") [10](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") [6](https://www.hubinternational.com/about-us/privacy-policy/ "HUB International Privacy Policy") (Evidence: Company-reported; scope: Public website paths as of 16 September 2026. No application was submitted. Insureon’s own site is a separate digital agency flow.; verified: 2026-09-16.)

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. [41](https://www.simplybusiness.com/contact-us/ "Contact Us") [40](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 HUB International 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. [8](https://www.hubinternational.com/contact-us/ "Contact Us") [41](https://www.simplybusiness.com/contact-us/ "Contact Us")

### Policy Service and Claims

HUB describes local account teams, claims and certificate tools, and renewal support for benefits; ask which service tier, tools and fees apply to your account. [16](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [33](https://www.hubinternational.com/products/risk-services/risk-management-information-system/ "Risk Management Information System (RMIS)") [30](https://www.hubinternational.com/products/employee-benefits/ "Employee Benefits Brokers and Consulting Services") (Evidence: Company-reported; scope: Company-described servicing capabilities. Client eligibility for RMIS or ProEx specialist teams is not defined on the public pages.; verified: 2026-09-16.)

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. [41](https://www.simplybusiness.com/contact-us/ "Contact Us") [42](https://www.simplybusiness.com/help-center/ "Help Center") [40](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.)

HUB says its claims team provides advocacy, dispute support and administration, with 225+ professionals and 24-hour reporting metrics; these are company-reported process claims, not a prediction of how your insurer will handle a loss. [32](https://www.hubinternational.com/products/risk-services/claims-management/ "Insurance Claims Management") (Evidence: Company-reported; scope: HUB claims-management service page. HUB is not identified as the claims-paying insurer. No assessment of claims-handling quality is made here.; verified: 2026-09-16.)

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. [40](https://www.simplybusiness.com/terms-conditions/ "Terms of Service") [42](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 HUB International 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. [7](https://www.hubinternational.com/about-us/how-we-get-paid/ "How We Get Paid") [39](https://www.simplybusiness.com/about-us/ "Our Small Business Insurance Story") [7](https://www.hubinternational.com/about-us/how-we-get-paid/ "How We Get Paid") [40](https://www.simplybusiness.com/terms-conditions/ "Terms of Service")

## Compare Services

What each provider documents about the services you may need.

| Criteria | HUB International | Simply Business |
| --- | --- | --- |
| Business role | HUB helps businesses arrange insurance through brokers and agents; reviewed product pages describe brokerage, not HUB as the insurer. Its subsidiaries hold licenses in various US states and Canadian provinces. [4](https://www.hubinternational.com/about-us/ "About Us") [5](https://www.hubinternational.com/terms-and-conditions/ "Terms and Conditions") [9](https://www.hubinternational.com/products/business-insurance/ "Business Insurance Broker Coverage Policy") (Evidence: Company-reported; scope: Brand and parent identity as of 16 September 2026. Does not identify which subsidiary would appear on a California producer license or policy declarations.; verified: 2026-09-16.)<br><br>Small businesses may reach HUB through its digital Insureon route, acquired in 2022; Insureon and TechInsurance are associated with Specialty Program Group, so the retail account path may differ from HUB’s offices. [4](https://www.hubinternational.com/about-us/ "About Us") [34](https://www.insureon.com/about-us "About Insureon") [35](https://www.insureon.com/legal/licenses "Insurance Licenses by State") [36](https://www.insureon.com/about-us/hub-international-and-bold-penguin-to-acquire-insureon "Hub International and Bold Penguin to Acquire Leading Digital Small Commercial Insurance Firm Insureon") [37](https://www.techinsurance.com/about-us "About Us | TechInsurance") (Evidence: Company-reported; scope: Corporate-affiliation statements. Does not establish that every HUB office places business through Insureon, or that TechInsurance is a distinct California producer.; verified: 2026-09-16.) | 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. [39](https://www.simplybusiness.com/about-us/ "Our Small Business Insurance Story") [40](https://www.simplybusiness.com/terms-conditions/ "Terms of Service") [52](https://www.travelers.com/about-travelers/producer-compensation-disclosure "Producer Compensation Disclosure (United States)") [41](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 | Small accounts meeting HUB’s size guidelines can start an online Insureon quote; other buyers contact a HUB broker or local office. The reviewed site does not offer a public self-serve bind route for mid-market programs. [8](https://www.hubinternational.com/contact-us/ "Contact Us") [11](https://www.hubinternational.com/products/business-insurance/general-liability/ "General Liability Insurance Brokers") [12](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") [13](https://www.hubinternational.com/products/business-insurance/cyber-insurance/ "Cyber Insurance") [10](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") [6](https://www.hubinternational.com/about-us/privacy-policy/ "HUB International Privacy Policy") (Evidence: Company-reported; scope: Public website paths as of 16 September 2026. No application was submitted. Insureon’s own site is a separate digital agency flow.; verified: 2026-09-16.) | 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. [41](https://www.simplybusiness.com/contact-us/ "Contact Us") [40](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 | HUB describes local account teams, claims and certificate tools, and renewal support for benefits; ask which service tier, tools and fees apply to your account. [16](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [33](https://www.hubinternational.com/products/risk-services/risk-management-information-system/ "Risk Management Information System (RMIS)") [30](https://www.hubinternational.com/products/employee-benefits/ "Employee Benefits Brokers and Consulting Services") (Evidence: Company-reported; scope: Company-described servicing capabilities. Client eligibility for RMIS or ProEx specialist teams is not defined on the public pages.; verified: 2026-09-16.) | 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. [41](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. [41](https://www.simplybusiness.com/contact-us/ "Contact Us") [42](https://www.simplybusiness.com/help-center/ "Help Center") [40](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. [42](https://www.simplybusiness.com/help-center/ "Help Center") [40](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 | HUB says its claims team provides advocacy, dispute support and administration, with 225+ professionals and 24-hour reporting metrics; these are company-reported process claims, not a prediction of how your insurer will handle a loss. [32](https://www.hubinternational.com/products/risk-services/claims-management/ "Insurance Claims Management") (Evidence: Company-reported; scope: HUB claims-management service page. HUB is not identified as the claims-paying insurer. No assessment of claims-handling quality is made here.; verified: 2026-09-16.) | 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. [40](https://www.simplybusiness.com/terms-conditions/ "Terms of Service") [42](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 | Bay Area technology, venture-capital, healthcare, life-sciences, real-estate and construction businesses can contact HUB’s San Francisco team; this is a local service description, not a product eligibility list. [1](https://www.hubinternational.com/offices/us/california/san-francisco/ "Insurance Broker San Francisco") [2](https://www.hubinternational.com/offices/us/california/san-francisco-44-montgomery-street/ "HUB International San Francisco 44 Montgomery Street") (Evidence: Company-reported; scope: HUB International San Francisco office page at 201 Mission Street. A separate 44 Montgomery Street office describes contractor bonding and City of San Francisco contractor-development work under a Merriwether & Williams history.; verified: 2026-09-16.)<br><br>Technology companies can ask HUB about E&O, cyber, D&O, transactional coverage, workers’ compensation and benefits; HUB says it currently insures 5,000+ technology companies, a company-reported figure. [10](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") (Evidence: Company-reported; scope: Industry marketing page only. Does not establish California eligibility, insurer panels or policy wording for any named coverage.; verified: 2026-09-16.)<br><br>Businesses with 50 or fewer employees or under $5 million revenue are directed by HUB to Insureon’s online quote; larger or different commercial accounts go to HUB advisors. These are routing guidelines, not a legal small-business definition. [8](https://www.hubinternational.com/contact-us/ "Contact Us") (Evidence: Company-reported; scope: HUB contact-us Business Solutions copy as of 16 September 2026. Actual Insureon underwriting appetite can differ by product and insurer.; verified: 2026-09-16.) | 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. [39](https://www.simplybusiness.com/about-us/ "Our Small Business Insurance Story") [44](https://www.simplybusiness.com/business-insurance/ "Business Insurance for Small Businesses") [40](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 for compensation on your proposal: HUB says it receives insurer commissions, contingent and supplemental payments and sometimes client fees, may use affiliated wholesalers, and may earn administration or data fees; it publishes no standard rates. [7](https://www.hubinternational.com/about-us/how-we-get-paid/ "How We Get Paid") (Evidence: Company-reported; scope: Firmwide compensation disclosure. Amounts for a given account are not disclosed on the public page.; verified: 2026-09-16.) | 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. [40](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 HUB International?](https://spot.insure/insurance-providers/hub-international)
- [Simply Business: Online Small-Business Insurance Marketplace](https://spot.insure/insurance-providers/simply-business)

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## Sources

### [HUB International Official Website](https://www.hubinternational.com)

1. [Insurance Broker San Francisco](https://www.hubinternational.com/offices/us/california/san-francisco/). HUB International; Page metadata naming HUB International Limited as parent; About Us office copy for 201 Mission Street; products and industries blocks. Accessed 2026-09-16.
2. [HUB International San Francisco 44 Montgomery Street](https://www.hubinternational.com/offices/us/california/san-francisco-44-montgomery-street/). HUB International; Office profile describing Merriwether & Williams Insurance Services history, bonding and contractor-development programs. Accessed 2026-09-16.
3. [California Insurance Brokers](https://www.hubinternational.com/offices/us/california/). HUB International; Introductory copy and listed California office directory including San Francisco locations. Accessed 2026-09-16.
4. [About Us](https://www.hubinternational.com/about-us/). HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16.
5. [Terms and Conditions](https://www.hubinternational.com/terms-and-conditions/). HUB International; Licensing section stating subsidiaries are licensed as brokers or agents in various U.S. states and Canadian provinces. Accessed 2026-09-16.
6. [HUB International Privacy Policy](https://www.hubinternational.com/about-us/privacy-policy/). HUB International; Effective 21 August 2025; applies to HUB International Limited and subsidiaries; insurance brokerage services; automation for quoting. Accessed 2026-09-16.
7. [How We Get Paid](https://www.hubinternational.com/about-us/how-we-get-paid/). HUB International; Commission, contingency, supplemental commission, client-paid fees, wholesale, carrier-services, strategic-carrier and other-compensation sections. Accessed 2026-09-16.
8. [Contact Us](https://www.hubinternational.com/contact-us/). HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16.
9. [Business Insurance Broker Coverage Policy](https://www.hubinternational.com/products/business-insurance/). HUB International; Essential coverage and beyond-the-basics product catalog. Accessed 2026-09-16.
10. [Insurance for Technology Companies](https://www.hubinternational.com/industries/technology-company-insurance/). HUB International; Technology Company Insurance & Risk Management: startup, software, hardware and digital-media introduction; Business Coverage and People Protection lists; technology-client count. Accessed 2026-09-16.
11. [General Liability Insurance Brokers](https://www.hubinternational.com/products/business-insurance/general-liability/). HUB International; Product page describing typical general-liability subjects and invitation to contact a broker. Accessed 2026-09-16.
12. [Directors and Officers (D&O) Liability Insurance Broker](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/). HUB International; Product page for private, nonprofit and public-company D&O brokerage. Accessed 2026-09-16.
13. [Cyber Insurance](https://www.hubinternational.com/products/business-insurance/cyber-insurance/). HUB International; Product page describing first-party and post-breach cyber expenses as typically arranged. Accessed 2026-09-16.
14. [Professional Liability Insurance Brokers](https://www.hubinternational.com/products/business-insurance/professional-liability-insurance/). HUB International; Product page equating professional liability with errors and omissions and describing typical claim types. Accessed 2026-09-16.
15. [Errors and Omissions (E&O) Insurance Coverage](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/). HUB International; Industries listed for E&O including technology, and statement that policies are customized. Accessed 2026-09-16.
16. [HUB ProEx](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/). HUB International; Professional & Executive Risk practice: EPL, fiduciary, crime/fidelity, K&R; ProEx Coverages: Executive Liability; Cyber, Technology E&O, and Intellectual Property; Financial Institutions; certificates of insurance; claims and legal support; carrier-premium figure; FAQ on management liability and ProEx program structuring. Accessed 2026-09-16.
17. [Workers' Compensation Insurance Brokers](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/). HUB International; Product page on workers’ compensation brokerage, state-fund variation and typical benefits. Accessed 2026-09-16.
18. [Business Owners Policy (BOP) Company Coverage](https://www.hubinternational.com/products/business-insurance/business-owners-policy/). HUB International; BOP described as combined property and liability for small and mid-size businesses. Accessed 2026-09-16.
19. [Commercial (Business) Property Insurance Brokers](https://www.hubinternational.com/products/business-insurance/commercial-property-insurance/). HUB International; Property Practice description, domestic and global carrier access, traditional and alternative structures. Accessed 2026-09-16.
20. [Commercial Auto Insurance Broker Policy & Coverage](https://www.hubinternational.com/products/business-insurance/commercial-auto/). HUB International; Coverage that works for you: securing commercial auto and trucking insurance; Hired and non-owned exposures. Accessed 2026-09-16.
21. [Crime Insurance Brokers](https://www.hubinternational.com/products/business-insurance/crime-insurance/). HUB International; Crime/fraud coverage product page for private, public and not-for-profit organizations. Accessed 2026-09-16.
22. [Fiduciary Liability Insurance Brokers](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/). HUB International; Fiduciary liability product page distinguishing it from D&O. Accessed 2026-09-16.
23. [Kidnap and Ransom Insurance Brokers](https://www.hubinternational.com/products/business-insurance/kidnap-and-ransom-insurance/). HUB International; Kidnap and ransom product page for traveling executives and employees. Accessed 2026-09-16.
24. [Surety Bonds and Surety Bond Insurance for Businesses](https://www.hubinternational.com/products/business-insurance/surety-bonds/). HUB International; Contract surety types including bid, performance and payment bonds. Accessed 2026-09-16.
25. [Medical Malpractice Insurance Brokers](https://www.hubinternational.com/products/business-insurance/medical-malpractice-insurance/). HUB International; Medical malpractice brokerage, including telemedicine-related risks. Accessed 2026-09-16.
26. [Mergers & Acquisitions (M&A) Insurance Broker](https://www.hubinternational.com/products/business-insurance/mergers-and-acquisitions-insurance/). HUB International; Representations and warranties, litigation buyout and tax indemnification insurance. Accessed 2026-09-16.
27. [Comprehensive Casualty Insurance Solutions](https://www.hubinternational.com/products/business-insurance/casualty-insurance/). HUB International; Casualty Insurance & Risk Financing: General & Product Liability; Umbrella & Excess Liability; workers’ compensation; Ancillary Coverages (product recall); global carrier relationships. Accessed 2026-09-16.
28. [Marine Insurance Broker Policy & Coverage](https://www.hubinternational.com/products/business-insurance/marine-insurance/). HUB International; A comprehensive approach to ocean and inland marine insurance; Tailored solutions: Marine Cargo Insurance and Stock Throughput Insurance; related marine liability coverages; domestic and international carriers; inland marine FAQ. Accessed 2026-09-16.
29. [Boiler and Machinery Equipment Insurance Coverage](https://www.hubinternational.com/products/business-insurance/boiler-and-machinery-insurance/). HUB International; Boiler & Machinery Insurance – Protect Your Equipment and Business: design and negotiation of a tailored equipment-breakdown program. Accessed 2026-09-16.
30. [Employee Benefits Brokers and Consulting Services](https://www.hubinternational.com/products/employee-benefits/). HUB International; An Employee Benefits Broker for Changing Times: employee-benefits brokerage and multi-year planning services; tailored solutions; Talk to an Employee Benefits Broker; plan-design FAQ. Accessed 2026-09-16.
31. [Virtual Care Insurance Brokerage Coverage](https://www.hubinternational.com/industries/healthcare-business-insurance/virtual-care-insurance/). HUB International; Virtual care insurance and support: risk management and insurance list for virtual care organizations, including medical professional liability, technology E&O, products liability, cyber and management liability. Accessed 2026-09-16.
32. [Insurance Claims Management](https://www.hubinternational.com/products/risk-services/claims-management/). HUB International; Claims advocacy, TPA coordination, coverage-dispute support and published process metrics. Accessed 2026-09-16.
33. [Risk Management Information System (RMIS)](https://www.hubinternational.com/products/risk-services/risk-management-information-system/). HUB International; RMIS claims administration, certificate tracking and carrier/TPA data aggregation. Accessed 2026-09-16.
34. [About Insureon](https://www.insureon.com/about-us). Insureon; Insureon as part of HUB; licensed in every state; named example insurers; 2022 acquisition history; TechInsurance origin. Accessed 2026-09-16.
35. [Insurance Licenses by State](https://www.insureon.com/legal/licenses). Insureon; California 0L09546; footer that Insureon operates as a division of Specialty Program Group LLC dba SPG Insurance Solutions. Accessed 2026-09-16.
36. [Hub International and Bold Penguin to Acquire Leading Digital Small Commercial Insurance Firm Insureon](https://www.insureon.com/about-us/hub-international-and-bold-penguin-to-acquire-insureon). Insureon; 1 March 2022 announcement that HUB would acquire the Insureon digital agency and brand; operations to sit in Specialty Program Group LLC. Accessed 2026-09-16.
37. [About Us | TechInsurance](https://www.techinsurance.com/about-us). TechInsurance; TechInsurance as part of Insureon; 2022 HUB acquisition of Insureon’s digital agency. Accessed 2026-09-16.
38. [California Department of Insurance License Status Inquiry](https://cdicloud.insurance.ca.gov/cal). California Department of Insurance; Public license-search portal landing page. Accessed 2026-09-16.

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

39. [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.
40. [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.
41. [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.
42. [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.
43. [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.
44. [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.
45. [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.
46. [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.
47. [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.
48. [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.
49. [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.
50. [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.
51. [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.
52. [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.

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