Marsh vs 
Simply Business: How Do They Compare for Commercial Property Insurance?
What Is Marsh?
Marsh suits technology and larger businesses seeking specialist cyber placement or broad global risk advice; small firms wanting a quick standard quote should compare its MMA route or digital agencies. 1,2,3,4
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. 7,8
What Is Commercial Property Insurance?
Commercial property may fit your business if you own a building or rely on equipment and stock. Compare replacement-cost terms, deductibles and any coinsurance condition, and check lost-income protection separately. 11,12,13
What Are the Key Differences Between Marsh and Simply Business Commercial Property Insurance?
Coverage and Placement
Marsh McLennan Agency lists building and contents protection with named options for flood, hurricane and windstorm, wildfire, and earthquake. Simply Business places property within a BOP and says covered property depends on the issued form. For a risk exposed to catastrophe perils, request the actual extensions from either route and compare sublimits. 5 9
Service and Buyer Fit
Marsh says data-center property is typically paired with equipment breakdown, business interruption, cyber, and general liability. Simply Business describes property only within the BOP package in this record. Data-center operators should ask how the marketplace quote addresses equipment failure and interruption beyond physical damage. 5 9
What Should You Confirm in Marsh and Simply Business Commercial Property Insurance Quotes?
- Ask Marsh for a property schedule showing locations, building and contents values, valuation basis, deductible, and any catastrophe sublimits. 5
- Ask Simply Business which insurer’s BOP form will cover the property, and verify the schedule, business-interruption terms, and exclusions for your occupancy. 9
Marsh 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.
Marsh Review Score
Review Score
2 rated sources
Marsh’s global Trustpilot profile has a poor 1.3/5 score. Treat it as a service warning to investigate with your proposed team; it does not isolate US commercial accounts.[2][4][7]
Read Marsh 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 reviewsMarsh vs Simply Business Commercial Property Insurance Compared
Marsh vs Simply Business: Commercial Property Insurance: documented features by provider
| Criteria | Marsh McLennan Agency Commercial Property Insurance | Commercial-property coverage presented with a BOP |
|---|---|---|
| Role in This Line | Marsh McLennan Agency (MMA), Marsh's middle-market subsidiary, places commercial property insurance; separately, Marsh's technology industry practice arranges property coverage for digital infrastructure such as data centers. 5,6Company-reported. MMA property insurance page and Marsh's data center insurance page. | Confirm in your quote. |
| Issuing Insurer | The reviewed pages do not name a specific commercial property insurer. 5,6Not publicly disclosed. MMA property insurance page and Marsh data center page as read on 2026-09-23. | Confirm in your quote. |
| Who It’s For | Confirm in your quote. | The company says commercial-property coverage may be valuable to businesses that own or rent their place of business. This is a buyer example, not an insurer eligibility rule. 9Company-reported. Company-published commercial-property information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer. |
| Coverage Features | MMA says commercial property insurance protects an organization's physical assets, including owned or rented property, equipment and inventory, from unexpected loss events, with named options for flood, hurricane and windstorm, wildfire and earthquake coverage. 5Company-reported. MMA property insurance page; illustrative description, not a specific policy form. For data centers specifically, Marsh says property coverage is typically paired with equipment breakdown, business interruption, cyber and general liability coverage to close gaps that a conventional property policy alone would leave open. 6Company-reported. Data center insurance page FAQ. | Simply Business says it offers commercial-property coverage as part of its BOP package rather than as a standalone policy. The page says the coverage can protect the business location, assets and inventory against fire or certain weather events; the issued form controls. 9,10Company-reported. Company-published commercial-property information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer. |
| Risk Services | MMA says its property practice offers hazard assessment and valuation services, loss and catastrophe modeling, claims advocacy, pre- and post-loss risk control, and alternative risk solutions such as captives and parametric insurance options. 5Company-reported. MMA property insurance page, Benefits of Property Insurance section. | Confirm in your quote. |
| How to Apply | You work with an MMA property specialist directly; the page names a National Accounts Property Practice Leader and describes advisor-led placement rather than an online quote. 5Company-reported. MMA property insurance page. | The page directs buyers to start a BOP quote to see possible pricing. This is a bundled quote route; it does not establish standalone commercial-property placement or a guaranteed quote. 9Company-reported. Company-published commercial-property information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer. |
Related Pages for Marsh vs Simply Business Commercial Property
Commercial Property Insurance Pages for Marsh and Simply Business
Other Coverage Lines Compared for Marsh vs Simply Business
Other Commercial Property Insurance Provider Comparisons
Sources for Marsh vs Simply Business Commercial Property Insurance
Sources About Marsh
- Marsh | Leader in risk, strategy, people, and investments. Marsh; Hero and capability tiles; FAQ: What does Marsh do?; industries served; Is Marsh the same as Marsh McLennan? January 2026 brand change. Accessed 2026-09-16.
- Compensation guide for US clients. Marsh; US broking segments; broker role; retail commissions, client fees, wholesale, insurer consulting, contingent and supplemental commissions; Marsh LLC and Marsh USA LLC; page 3: broker role and Marsh & McLennan Agency segment; page 7: copyright © 2024 Marsh LLC. Accessed 2026-09-16.
- Marsh McLennan Agency (MMA). Marsh; Middle-market US organizations; wholly-owned subsidiary; business insurance, employee health and benefits, retirement, private client. Accessed 2026-09-16.
- Technology | Insurance Broking & Risk Management. Marsh; Opening Technology Practice description; practice links including data center insurance, fintech and Stratus; Talk to us. Accessed 2026-09-16.
- Property Insurance. Marsh McLennan Agency; Property Insurance section: physical-asset protection; Flood, Hurricane and Windstorm, Wildfire, Earthquake subsections; Benefits of Property Insurance. Accessed 2026-09-23.
- Data Center Insurance and Risk Management Services. Marsh; Managing data center risk; FAQ: What does data center insurance typically cover? (property damage, equipment breakdown, business interruption, cyber, general liability). 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.
- Commercial Property Insurance. Simply Business; Page nested under BOP; lines 15–18, 34–49; lines 59–63 expressly say commercial-property coverage is offered as part of BOP rather than standalone and direct buyers to a BOP quote. 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 Commercial Property Insurance Guide
- Commercial Insurance Guide. California Department of Insurance; What Should I Expect from a Broker-Agent; Commercial Property: Coverage Sections, Limits of Insurance, and Coinsurance; Covered Causes of Loss; Valuation Types; Inland Marine. Accessed 2026-09-16.
- Business Interruption Insurance/Businessowner’s Policies (BOP). National Association of Insurance Commissioners; Background; Commercial Property and Business Interruption bullets. Accessed 2026-09-16.
- Commercial property insurance guide. Texas Department of Insurance; Introduction; Coverage options; Shopping for commercial property insurance; Saving money on your insurance. Accessed 2026-09-16.
