---
title: "HUB International vs Simply Business: General Liability Insurance"
description: "HUB describes broker-arranged general liability scenarios including advertising injury, while Simply Business outlines bodily injury, property damage and legal-defense costs through an online quote flow."
canonical: "https://spot.insure/compare/hub-international-vs-simply-business/general-liability"
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: "general-liability"
---

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

## Agent Guide

**What this page is:** Focused comparison of HUB International and Simply Business for General Liability Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for General Liability Insurance 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 General Liability Insurance: how do they differ?
- Which is better for General Liability Insurance, HUB International or Simply Business?
- What does HUB International or Simply Business publish about General Liability Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for General Liability Insurance from HUB International or Simply Business?

**Key facts:**
- Line: General Liability Insurance. 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
- [General Liability Insurance guide](https://spot.insure/coverage/general-liability) — 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 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)
- [AIG vs HUB International General Liability Insurance](https://spot.insure/compare/aig-vs-hub-international/general-liability) — sibling comparison (other line, or other pair for this line)
- [AIG vs Simply Business General Liability Insurance](https://spot.insure/compare/aig-vs-simply-business/general-liability) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs HUB International General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-hub-international/general-liability) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs HUB International General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-hub-international/general-liability) — sibling comparison (other line, or other pair for this line)
- [Aon vs HUB International General Liability Insurance](https://spot.insure/compare/aon-vs-hub-international/general-liability) — sibling comparison (other line, or other pair for this line)
- [Aon vs Simply Business General Liability Insurance](https://spot.insure/compare/aon-vs-simply-business/general-liability) — sibling comparison (other line, or other pair for this line)

# HUB International vs Simply Business: How Do They Compare for General Liability Insurance?

HUB describes broker-arranged general liability scenarios including advertising injury, while Simply Business outlines bodily injury, property damage and legal-defense costs through an online quote flow.

## Research Scope and Use

Use this comparison to evaluate HUB International and Simply Business for General Liability Insurance 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.

## Summary

HUB’s examples include premises injuries, employee-caused property damage and advertising injury; Simply Business highlights third-party accidents and defense costs and directs buyers to an online quote. Compare the proposed policy wording for the specific risks your contracts require. [4](https://www.hubinternational.com/products/business-insurance/general-liability/ "General Liability Insurance Brokers") [7](https://www.simplybusiness.com/business-insurance/general-liability-insurance/ "General Liability Insurance for a Small Business")

## 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 General Liability Insurance?

General liability can protect your business when a customer or visitor claims you caused injury or damaged their property. It suits businesses serving customers or working on their premises; your own building, tools and stock need property coverage. [8](https://www.iii.org/article/commercial-general-liability-insurance "Commercial general liability insurance") [9](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [10](https://www.hiscox.com/documents/partner-agent/specimen_forms/GL_Form.pdf "Commercial General Liability Coverage Form")

## Key Differences in General Liability Insurance

### The described claim scenarios differ

HUB says the general liability policies it arranges typically address premises injuries, employee-caused property damage and advertising injury such as slander or false advertising. Simply Business describes third-party accidents, bodily injury, property damage and legal-defense costs, while noting employee injuries are outside this line. If a customer contract names advertising injury or a particular premises exposure, compare that wording against the insurer quote from either route. [4](https://www.hubinternational.com/products/business-insurance/general-liability/ "General Liability Insurance Brokers") [7](https://www.simplybusiness.com/business-insurance/general-liability-insurance/ "General Liability Insurance for a Small Business")

### Broker conversation versus online quote

HUB asks prospects to contact a broker and says required limits depend on the business and location. Simply Business starts with an online quote, but says a quote is not guaranteed and binding requires panel-member approval. Choose the route that fits how you want to discuss business and location details, then compare the approved terms rather than treating an initial quote as final. [4](https://www.hubinternational.com/products/business-insurance/general-liability/ "General Liability Insurance Brokers") [6](https://www.simplybusiness.com/terms-conditions/ "Terms of Service")

## What to Confirm in General Liability Insurance Quotes

- Ask HUB which insurer and form include advertising injury and premises-related scenarios for your business. [4](https://www.hubinternational.com/products/business-insurance/general-liability/ "General Liability Insurance Brokers")
- Ask Simply Business which panel carrier is proposing the quote, whether it includes advertising injury, and what approval remains before binding. [7](https://www.simplybusiness.com/business-insurance/general-liability-insurance/ "General Liability Insurance for a Small Business") [6](https://www.simplybusiness.com/terms-conditions/ "Terms of Service")

## Offering Details

| Criteria | HUB International General Liability Insurance Brokerage | General liability insurance through Simply Business |
| --- | --- | --- |
| Role in This Line | HUB brokers commercial general liability coverage rather than underwriting it itself, placing the policy with an insurer on the client's behalf. [4](https://www.hubinternational.com/products/business-insurance/general-liability/ "General Liability Insurance Brokers") (Evidence: Company-reported; scope: General liability product page as read on 2026-09-23; the page does not name an issuing insurer..) | Confirm in your quote. |
| Issuing Insurer | The general liability product page does not name an issuing insurer; HUB places general liability business with insurers that vary by client and placement. [4](https://www.hubinternational.com/products/business-insurance/general-liability/ "General Liability Insurance Brokers") (Evidence: Not found in reviewed sources; scope: Checked the general liability product page on 2026-09-23; no carrier is disclosed there..) | Confirm in your quote. |
| Who It’s For | Confirm in your quote. | The page discusses sole proprietors, partnerships, LLCs, home-based businesses, independent contractors and freelancers as examples of small-business buyers. Examples do not guarantee a carrier quote or eligibility. [7](https://www.simplybusiness.com/business-insurance/general-liability-insurance/ "General Liability Insurance for a Small Business") (Evidence: Company-reported; scope: Company-published general-liability information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer..) |
| Coverage Features | HUB says general liability policies it arranges typically respond to bodily injury to customers, employees, vendors or visitors on the client's premises, personal injury from an employee's negligence or actions, property damage caused by employees, and advertising injury such as slander or false advertising claims. [4](https://www.hubinternational.com/products/business-insurance/general-liability/ "General Liability Insurance Brokers") (Evidence: Company-reported; scope: Product-page description of typical coverage scenarios; the issued policy and its exclusions control what a specific claim triggers..) | The company describes general liability as potentially addressing third-party accidents, bodily injury, third-party property damage and legal-defense costs. Its page says employee injuries are not covered by this line. This is educational material, not a policy form. [7](https://www.simplybusiness.com/business-insurance/general-liability-insurance/ "General Liability Insurance for a Small Business") (Evidence: Company-reported; scope: Company-published general-liability information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer..) |
| Limits and Retentions | Published per-occurrence or aggregate limits, deductibles or retentions for HUB-placed general liability policies were not found on the product page. [4](https://www.hubinternational.com/products/business-insurance/general-liability/ "General Liability Insurance Brokers") (Evidence: Not publicly disclosed; scope: Checked the general liability product page on 2026-09-23; limits are set on the quote and declarations, not the marketing page..) | Confirm in your quote. |
| Risk Services | The general liability product page does not describe line-specific risk-control or safety services; it only lists related products such as business interruption, D&O, EPL and workers' compensation insurance. [4](https://www.hubinternational.com/products/business-insurance/general-liability/ "General Liability Insurance Brokers") (Evidence: Not found in reviewed sources; scope: Checked the general liability product page on 2026-09-23..) | Confirm in your quote. |
| How to Apply | HUB says the amount of general liability coverage a business needs depends on factors such as the type of business and its location, and directs prospects to contact a HUB broker to get started. [4](https://www.hubinternational.com/products/business-insurance/general-liability/ "General Liability Insurance Brokers") (Evidence: Company-reported; scope: Product-page copy; no online quote or bind flow is described..) | Simply Business directs buyers to an online quote flow; its Terms say a quote is not guaranteed and the producer cannot bind a risk without panel-member approval. [7](https://www.simplybusiness.com/business-insurance/general-liability-insurance/ "General Liability Insurance for a Small Business") [6](https://www.simplybusiness.com/terms-conditions/ "Terms of Service") (Evidence: Company-reported; scope: Company-published general-liability information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer..) |

## Full Comparison

- [HUB International vs Simply Business](https://spot.insure/compare/hub-international-vs-simply-business): all coverage lines, business roles, service and claims.
- [What Is General Liability Insurance?](https://spot.insure/coverage/general-liability): General liability can protect your business from covered injury and property-damage claims; your building, tools and stock need separate property coverage.
- [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)
- [AIG vs HUB International General Liability Insurance](https://spot.insure/compare/aig-vs-hub-international/general-liability)
- [AIG vs Simply Business General Liability Insurance](https://spot.insure/compare/aig-vs-simply-business/general-liability)
- [Alliance Risk vs HUB International General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-hub-international/general-liability)
- [Amelia Risk vs HUB International General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-hub-international/general-liability)
- [Aon vs HUB International General Liability Insurance](https://spot.insure/compare/aon-vs-hub-international/general-liability)
- [Aon vs Simply Business General Liability Insurance](https://spot.insure/compare/aon-vs-simply-business/general-liability)

## Sources

### 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. [General Liability Insurance Brokers](https://www.hubinternational.com/products/business-insurance/general-liability/). HUB International; What's typically covered: bodily injuries, personal injuries, property damage, advertising injury; coverage-amount factors; related coverage links; Contact a HUB broker call to action. Accessed 2026-09-23.

### 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. [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.

### General Liability Insurance Guide

8. [Commercial general liability insurance](https://www.iii.org/article/commercial-general-liability-insurance). Insurance Information Institute; Coverage A; Coverage B; Coverage C; Purchasing commercial general liability insurance. Accessed 2026-09-16.
9. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Commercial General Liability; Commercial Automobile; What Should I Expect from a Broker-Agent?; How Are Commercial Policies Rated?. Accessed 2026-09-16.
10. [Commercial General Liability Coverage Form](https://www.hiscox.com/documents/partner-agent/specimen_forms/GL_Form.pdf). ISO; specimen hosted by Hiscox; I.A pp.1–5; I.B pp.6–7; I.C pp.7–8; Supplementary Payments p.8; II pp.9–10; III p.10; IV pp.10–12. 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 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).

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/hub-international-vs-simply-business/general-liability.md)
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- [Public MCP server](https://spot.insure/mcp)
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- [OpenAPI description](https://spot.insure/openapi.json)
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