Insureon vs 
Simply Business: How Do They Compare for Business Owner’s Policy?
What is Insureon?
Insureon describes a small-business insurance agency and broker route with online quote entry and agent support. Its pages market several coverage types, but do not establish which insurer, policy form, state availability, or eligibility applies to a particular buyer. 1,2
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. 4,5
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. 7,8
Key Differences in Business Owner’s Policy
Default lines outside the BOP
Simply Business says a standard BOP does not include workers' compensation or professional liability by default, though professional liability may be added in some cases. Insureon's overview identifies general liability and property, and says optional coverages depend on the quoted policy without listing those exclusions. An employer or professional-services firm should budget and compare those lines separately unless its quote explicitly adds them; the issued form controls whether any add-on applies. 6 3
Quote comparison and state variation
Simply Business describes entering business details and reviewing quotes through its marketplace, with availability and binding subject to state, insurer, and business approval. Insureon also provides an online BOP request, but its overview does not describe comparable marketplace steps or state qualifications. A buyer can compare the displayed proposals, then confirm binding approval and whether professional liability is attachable in the relevant state. 5 3
What to Confirm in Business Owner’s Policy Quotes
Review Scores
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.
Insureon
Review Score
4 rated sources
Insureon's ratings are split. Trustpilot shows 4.5 out of 5 from 2,401 reviews, while ConsumerAffairs shows 1.0 from 344.[1][2]
Read Insureon reviewsSimply Business
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 reviewsOffering Details
Insureon vs Simply Business: Business Owner’s Policy: documented features by provider
| Criteria | Insureon Business Owner’s Policy | Business owner’s policy (BOP) through Simply Business |
|---|---|---|
| Role in This Line | Insureon provides an online quote path for small-business BOP insurance; it is a marketplace/agency route, not evidence that Insureon underwrites the policy. 3Company-reported. Insureon’s public marketing page and quote route documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents. | Confirm in your quote. |
| Who It’s For | The page describes lower-risk small businesses as common BOP candidates; it does not establish eligibility for a particular business. 3Company-reported. Insureon’s public marketing page and quote route documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents. | Confirm in your quote. |
| Coverage Features | The product page describes a BOP as combining general liability and commercial property; optional coverages and exact package terms depend on the quoted policy. 3Company-reported. Insureon’s public marketing page and quote route documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents. | 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. 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. 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. 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. |
| Limits and Retentions | The cited public overview does not establish the limits, deductibles, exclusions or form terms that would apply to a specific buyer. 3Not publicly disclosed. Ask for the quote and specimen or issued policy forms before treating a listed feature as covered. | Confirm in your quote. |
| How to Apply | The cited Insureon product page provides an online quote request path; that route does not identify the insurer or guarantee that a quote will be offered or bound. 3Company-reported. Insureon’s public marketing page and quote route documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents. | 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. 6,5Company-reported. Company-published business-owners-policy information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer. |
Full Comparison
More Insureon vs Simply Business Comparisons
Other Business Owner’s Policy Comparisons
Sources
Insureon
- How Insureon Works. Insureon; Agent/broker and carrier roles (L82-88); application and advertised quote/payment route (L89-97); human support (L98-101). Accessed 2026-09-28.
- General Liability Insurance - Get Online Quotes. Insureon; Coverage/product overview; illustrative third-party claims; quote CTA. Accessed 2026-09-29.
- Business Owner’s Policy, BOP Insurance - Get Online Quotes. Insureon; Product definition L67-L89; qualification examples L90-L105; product liability within BOP liability protection L123-L126; optional coverage FAQ lists endorsements/bundled policies L304-L321; quote route on page. Accessed 2026-09-29.
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.
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.
