HUB International vs 
Simply Business: How Do They Compare for Business Owner’s Policy?
HUB has an advisor fine-tune its property-and-liability package to the client’s trade; Simply Business describes a typical property and general-liability bundle, with interruption wording tied to the issued form. HUB starts through a broker and does not describe self-serve binding, while Simply Business asks for business details and presents available quotes subject to insurer approval. 4,7
What Is HUB International?
HUB suits technology businesses seeking a specialist broker—its practice says it insures more than 5,000 technology companies; qualifying small accounts can use Insureon online, while mid-market buyers need an advisor. 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 HUB International and Simply Business Business Owner’s Policy?
Buyer Fit and Coverage
HUB has an advisor fine-tune its property-and-liability package to the client’s trade; Simply Business describes a typical property and general-liability bundle, with interruption wording tied to the issued form. For a business with unusual operations, ask HUB what options close the identified gaps and compare those endorsements with the marketplace quote. 4 7
How You Get a Quote
HUB starts through a broker and does not describe self-serve binding, while Simply Business asks for business details and presents available quotes subject to insurer approval. The choice changes how much placement help you receive before binding. 4 7
What Should You Confirm in HUB International and Simply Business Business Owner’s Policy Quotes?
- Ask HUB International which issuing insurer, exact coverage parts, limits, and endorsements apply to your quote; the published offering does not establish buyer-specific terms. 4
- Ask Simply Business which insurer and issued form support the quote, and confirm the coverage limit and exclusions for your property and occupancy. 7
HUB International 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.
HUB International Review Score
Review Score
2 rated sources
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-.[7][6]
Read HUB International 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 reviewsHUB International vs Simply Business Business Owner’s Policy Compared
HUB International vs Simply Business: Business Owner’s Policy: documented features by provider
| Criteria | HUB International Business Owners Policy Brokerage | Business owner’s policy (BOP) through Simply Business |
|---|---|---|
| Role in This Line | HUB brokers business owners policies rather than underwriting them, placing a combined property-and-liability package with an insurer on the client's behalf. 4Company-reported. BOP product page as read 2026-09-23; the page does not name an issuing insurer. | Confirm in your quote. |
| Issuing Insurer | The BOP product page does not name an issuing insurer; HUB places BOP business with insurers that vary by client and placement. 4Not found in reviewed sources. Checked the BOP product page on 2026-09-23; no carrier is disclosed there. | Confirm in your quote. |
| Coverage Features | HUB describes its BOP as combining building and business-property insurance, which repairs or replaces damaged buildings, equipment, stock, furniture or fixtures, with business liability insurance for injury or property-damage claims caused by the business or its employees. 4Company-reported. Product-page description of the two BOP components; the issued policy and its exclusions control an actual claim. | 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. |
| Limits and Retentions | Published coverage limits, deductibles or premium ranges for HUB-placed BOPs were not found on the product page. 4Not publicly disclosed. Checked the BOP product page on 2026-09-23; limits are set on the quote and declarations, not the marketing page. | Confirm in your quote. |
| Risk Services | HUB says an advisor works with the client to fine-tune the BOP with options that fit the client's line of business, and positions the policy as a way to eliminate coverage gaps between separate property and liability policies. 4Company-reported. Product-page marketing copy; no specific risk-control service beyond broker consultation is described. | Confirm in your quote. |
| How to Apply | HUB directs prospects to contact a HUB broker to get started on a BOP; no online quote or self-serve bind flow is described on the page. 4Company-reported. Product-page call to action as read 2026-09-23. | 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 HUB International vs Simply Business
Business Owner’s Policy Pages for HUB International and Simply Business
Other Coverage Lines Compared for HUB International vs Simply Business
Other Business Owner’s Policy Provider Comparisons
Sources for HUB International vs Simply Business
Sources About HUB International
- About Us. HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16.
- Contact Us. HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16.
- Insurance for Technology Companies. 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.
- Business Owners Policy (BOP) Company Coverage. HUB International; BOP definition: combination of business property and liability protection for small and mid-size businesses; building and business property insurance section; business liability insurance section; related products; Connect With a Broker. 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.
