--- title: "HUB International vs Simply Business: Business Owner’s Policy" description: "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." canonical: "https://spot.insure/compare/hub-international-vs-simply-business/business-owners-policy" page-type: "line-comparison" updated-at: "2026-09-30" comparison-pair: "hub-international-vs-simply-business" provider-a: "hub-international" provider-b: "simply-business" coverage-line: "business-owners-policy" --- 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/hub-international-vs-simply-business/business-owners-policy) ## Agent Guide **What this page is:** Focused comparison of HUB International and Simply Business for Business Owner’s Policy: what each provider publishes about this line, checked against the same criteria, with numbered sources. **Use this page when:** Cite or fetch this for Business Owner’s Policy questions about HUB International versus Simply Business. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide. **Questions this page answers:** - HUB International vs Simply Business for Business Owner’s Policy: how do they differ? - Which is better for Business Owner’s Policy, HUB International or Simply Business? - What does HUB International or Simply Business publish about Business Owner’s Policy (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for Business Owner’s Policy from HUB International or Simply Business? **Key facts:** - Line: Business Owner’s Policy. Providers: HUB International and Simply Business. - Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion. - Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL. **Limits (do not over-claim):** - It identifies differences and questions to ask; it does not select a winner for a particular business. - "Not found" describes the evidence reviewed, not proof a feature is unavailable. - Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here. **Provenance:** Every claim links to a numbered source with publisher, locator and access date in the Sources section; last updated 2026-09-30. Editorial policy: /editorial-policy. **Related pages:** - [HUB International vs Simply Business](https://spot.insure/compare/hub-international-vs-simply-business) — parent: all coverage lines for this pair - [Business Owner’s Policy guide](https://spot.insure/coverage/business-owners-policy) — coverage explainer for this line - [HUB International profile](https://spot.insure/insurance-providers/hub-international) — provider profile (evidence) - [Simply Business profile](https://spot.insure/insurance-providers/simply-business) — provider profile (evidence) - [HUB International vs Simply Business Commercial Property Insurance](https://spot.insure/compare/hub-international-vs-simply-business/commercial-property) — sibling comparison (other line, or other pair for this line) - [HUB International vs Simply Business Cyber Insurance](https://spot.insure/compare/hub-international-vs-simply-business/cyber) — sibling comparison (other line, or other pair for this line) - [HUB International vs Simply Business General Liability Insurance](https://spot.insure/compare/hub-international-vs-simply-business/general-liability) — sibling comparison (other line, or other pair for this line) - [HUB International vs Simply Business Inland Marine Insurance](https://spot.insure/compare/hub-international-vs-simply-business/inland-marine) — sibling comparison (other line, or other pair for this line) - [HUB International vs Simply Business Professional Liability (E&O) Insurance](https://spot.insure/compare/hub-international-vs-simply-business/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [HUB International vs Simply Business Workers’ Compensation Insurance](https://spot.insure/compare/hub-international-vs-simply-business/workers-compensation) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs HUB International Business Owner’s Policy](https://spot.insure/compare/alliance-risk-vs-hub-international/business-owners-policy) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Simply Business Business Owner’s Policy](https://spot.insure/compare/alliance-risk-vs-simply-business/business-owners-policy) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs HUB International Business Owner’s Policy](https://spot.insure/compare/amelia-risk-vs-hub-international/business-owners-policy) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs Simply Business Business Owner’s Policy](https://spot.insure/compare/amelia-risk-vs-simply-business/business-owners-policy) — sibling comparison (other line, or other pair for this line) - [biBerk vs HUB International Business Owner’s Policy](https://spot.insure/compare/biberk-vs-hub-international/business-owners-policy) — sibling comparison (other line, or other pair for this line) - [biBerk vs Simply Business Business Owner’s Policy](https://spot.insure/compare/biberk-vs-simply-business/business-owners-policy) — sibling comparison (other line, or other pair for this line) # 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. ## How to Use the HUB International vs Simply Business Business Owner’s Policy Comparison Use this comparison to evaluate HUB International and Simply Business for Business Owner’s Policy against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote. ## HUB International vs Simply Business Business Owner’s Policy Summary 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](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") [7](https://www.simplybusiness.com/business-insurance/business-owners-policy-insurance/ "Business Owner’s Policy Insurance") ## 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](https://www.hubinternational.com/about-us/ "About Us") [2](https://www.hubinternational.com/contact-us/ "Contact Us") [3](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") [HUB International profile](https://spot.insure/insurance-providers/hub-international) ## 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](https://www.simplybusiness.com/about-us/ "Our Small Business Insurance Story") [6](https://www.simplybusiness.com/terms-conditions/ "Terms of Service") [Simply Business profile](https://spot.insure/insurance-providers/simply-business) ## 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](https://content.naic.org/consumer/small-business.htm "Small Business") [9](https://content.naic.org/insurance-topics/business-interruption-and-business-owner-policy "Business Interruption and Business Owner Policy") ## 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](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") [7](https://www.simplybusiness.com/business-insurance/business-owners-policy-insurance/ "Business Owner’s Policy Insurance") ### 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](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") [7](https://www.simplybusiness.com/business-insurance/business-owners-policy-insurance/ "Business Owner’s Policy Insurance") ## 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](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") - Ask Simply Business which insurer and issued form support the quote, and confirm the coverage limit and exclusions for your property and occupancy. [7](https://www.simplybusiness.com/business-insurance/business-owners-policy-insurance/ "Business Owner’s Policy Insurance") ## HUB International vs Simply Business Business Owner’s Policy Compared | 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. [4](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") (Evidence: Company-reported; scope: 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. [4](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") (Evidence: Not found in reviewed sources; scope: 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. [4](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") (Evidence: Company-reported; scope: 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. [7](https://www.simplybusiness.com/business-insurance/business-owners-policy-insurance/ "Business Owner’s Policy Insurance") (Evidence: Company-reported; scope: 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. [7](https://www.simplybusiness.com/business-insurance/business-owners-policy-insurance/ "Business Owner’s Policy Insurance") (Evidence: Company-reported; scope: 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. [4](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") (Evidence: Not publicly disclosed; scope: 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. [4](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") (Evidence: Company-reported; scope: 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. [4](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") (Evidence: Company-reported; scope: 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](https://www.simplybusiness.com/business-insurance/business-owners-policy-insurance/ "Business Owner’s Policy Insurance") [6](https://www.simplybusiness.com/terms-conditions/ "Terms of Service") (Evidence: Company-reported; scope: 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 - [HUB International vs Simply Business](https://spot.insure/compare/hub-international-vs-simply-business): all coverage lines, business roles, service and claims. - [What Is a Business Owner’s Policy?](https://spot.insure/coverage/business-owners-policy): A business owners policy combines property, liability and lost-income protection for eligible small businesses, while auto, workers’ compensation and professional liability may need separate coverage. - [HUB International vs Simply Business Commercial Property Insurance](https://spot.insure/compare/hub-international-vs-simply-business/commercial-property) - [HUB International vs Simply Business Cyber Insurance](https://spot.insure/compare/hub-international-vs-simply-business/cyber) - [HUB International vs Simply Business General Liability Insurance](https://spot.insure/compare/hub-international-vs-simply-business/general-liability) - [HUB International vs Simply Business Inland Marine Insurance](https://spot.insure/compare/hub-international-vs-simply-business/inland-marine) - [HUB International vs Simply Business Professional Liability (E&O) Insurance](https://spot.insure/compare/hub-international-vs-simply-business/professional-errors-omissions) - [HUB International vs Simply Business Workers’ Compensation Insurance](https://spot.insure/compare/hub-international-vs-simply-business/workers-compensation) - [Alliance Risk vs HUB International Business Owner’s Policy](https://spot.insure/compare/alliance-risk-vs-hub-international/business-owners-policy) - [Alliance Risk vs Simply Business Business Owner’s Policy](https://spot.insure/compare/alliance-risk-vs-simply-business/business-owners-policy) - [Amelia Risk vs HUB International Business Owner’s Policy](https://spot.insure/compare/amelia-risk-vs-hub-international/business-owners-policy) - [Amelia Risk vs Simply Business Business Owner’s Policy](https://spot.insure/compare/amelia-risk-vs-simply-business/business-owners-policy) - [biBerk vs HUB International Business Owner’s Policy](https://spot.insure/compare/biberk-vs-hub-international/business-owners-policy) - [biBerk vs Simply Business Business Owner’s Policy](https://spot.insure/compare/biberk-vs-simply-business/business-owners-policy) ## Sources for HUB International vs Simply Business ### Sources About HUB International 1. [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. 2. [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. 3. [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. 4. [Business Owners Policy (BOP) Company Coverage](https://www.hubinternational.com/products/business-insurance/business-owners-policy/). 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 5. [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. 6. [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. 7. [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. ### Sources for the Business Owner’s Policy Guide 8. [Small Business](https://content.naic.org/consumer/small-business.htm). National Association of Insurance Commissioners; FAQ: What’s a business owners policy?; What’s general liability insurance. Accessed 2026-09-16. 9. [Business Interruption and Business Owner Policy](https://content.naic.org/insurance-topics/business-interruption-and-business-owner-policy). National Association of Insurance Commissioners; Background; General liability, Commercial property and Business interruption bullets. Accessed 2026-09-16. Updated 2026-09-30. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source. ## HUB International Review Scores for 2026 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 Review Scores for 2026 Review Score: 5.7 / 10 from 4 rated sources, equally weighted. Customers disagree about Simply Business. Trustpilot shows 4.3 out of 5 from 1,901 reviews, but BBB customers give it 1.95 from 20 reviews and ConsumerAffairs shows 1.0. - Trustpilot: TrustScore 4.3 (out of 5); 1901 reviews. Simply Business US Trustpilot profile. Reviews are not tied to a specific insurance line or insurer. Period: profile accessed 2026-09-29; 419 in last 12 months. Checked 2026-09-29. [Simply Business US Reviews](https://www.trustpilot.com/review/simplybusiness.com) - ConsumerAffairs: ConsumerAffairs header rating 1.0 (out of 5 (breakdown conflicts with review filters)); 148 reviews. ConsumerAffairs Simply Business page, broad business-insurance context; not line-specific. Period: page updated 2026-09-17; denominator unresolved. Checked 2026-09-29. [Simply Business Reviews](https://www.consumeraffairs.com/insurance/simply-business.html) - BBB: BBB business grade B+ (BBB letter grade). BBB profile classifies Simply Business as an insurance agency; business grade, consumer-review average and complaint ledger are separate measures, none is line-specific. Period: profile accessed 2026-09-29. Checked 2026-09-29. [Simply Business BBB Business Profile](https://www.bbb.org/us/ma/boston/profile/insurance-agency/simply-business-0021-539591); [Simply Business BBB Complaints](https://www.bbb.org/us/ma/boston/profile/insurance-agency/simply-business-0021-539591/complaints); [Simply Business BBB Customer Reviews](https://www.bbb.org/us/ma/boston/profile/insurance-agency/simply-business-0021-539591/customer-reviews) - BBB: BBB customer review average 1.95 (out of 5); 20 reviews. BBB customer-review average for the Simply Business profile (Boston, MA). Separate from the business grade. Period: BBB review page checked 2026-09-29. Checked 2026-09-29. [Simply Business BBB Customer Reviews](https://www.bbb.org/us/ma/boston/profile/insurance-agency/simply-business-0021-539591/customer-reviews) Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/simply-business/reviews). ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/hub-international-vs-simply-business/business-owners-policy.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)