What Is Resilience Insurance?
Resilience suits businesses seeking cyber or technology E&O alongside security-risk services; small companies wanting a standard commercial package should compare other providers. Review the proposed policy separately from its risk-management tools. 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. 6,7
What Is Cyber Insurance?
Cyber insurance can help pay covered response costs and claims against your business after a cyber incident. If your business relies on data, software or outside providers, compare response limits, vendor outages and approval rules. 9,10
What Are the Key Differences Between Resilience and Simply Business Cyber Insurance?
Security Services and Limits
Resilience says cyber policyholders receive proactive threat monitoring and breach-and-attack simulations alongside insurance. Simply Business describes cyber as an add-on for select buyers of another policy, and its reviewed page does not describe comparable monitoring. Ask which Resilience services apply to the proposed policy and whether the selected Simply Business carrier includes prevention tools or only policy coverage. 3 8
Capacity and Issuing Insurer
Resilience advertises limits up to $20 million and eCrime sublimits up to $500,000, but does not publish minimum limits, retentions or deductibles. Simply Business publishes no cyber limit schedule in the reviewed summary. Request the offered amounts and confirm whether Resilience’s eCrime and incident costs beyond the policy limit apply to your quote; ask Simply Business for all corresponding sublimits. 3 8
Incident Response
Resilience names two possible Homeland issuing companies in its US disclosure but does not say which one would issue a given policy. Simply Business says the insurer depends on approval and risk details. Have both identify the insurer on the proposed declarations and specify the claims contact and 24-hour incident-response process. 4 7
What Should You Confirm in Resilience and Simply Business Cyber Insurance Quotes?
- Ask Resilience which Homeland company will issue the policy and whether the quoted eCrime sublimit reaches the advertised maximum; confirm policy limits, deductible and included monitoring. 4
- Ask Simply Business who responds to incidents and whether the approved policy includes monitoring or only insurance benefits; compare its add-on limits with Resilience’s offered primary or excess structure. 7 3
Resilience 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.
Resilience Review Score
Review Score
1 rated source
There's almost nothing public to go on. G2 shows 4.5 out of 5 for Resilience, but from a single review.[10]
Read Resilience 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 reviewsResilience vs Simply Business Cyber Insurance Compared
Resilience vs Simply Business: Cyber Insurance: documented features by provider
| Criteria | Resilience Cyber Insurance | Cyber liability coverage as an add-on through Simply Business |
|---|---|---|
| Role in This Line | Resilience pairs a cyber insurance policy with security services such as threat monitoring and breach-and-attack simulations. In the US, the policy is placed by a distributor rather than underwritten by the Resilience brand itself. 3Company-reported. Cyber Insurance product page description of the combined offering, accessed 2026-09-23. | Confirm in your quote. |
| Issuing Insurer | Resilience's US disclosure states that cyber insurance products are distributed by Ocrea Risk Services, LLC (NPN 19169260), doing business as Resilience Cyber Insurance Solutions, and underwritten by Homeland Insurance Company of New York or Homeland Insurance Company of Delaware, both subsidiaries of Intact Insurance Group USA LLC. The disclosure does not say which of the two Homeland entities issues a given policy. 4Company-reported. US paragraph of Resilience's disclaimer page, accessed 2026-09-23; product- and state-specific issuer mapping is not published. | Confirm in your quote. |
| Who It’s For | Resilience markets US cyber insurance across industries including healthcare, higher education, financial institutions and services, manufacturing, construction, law firms, professional services, public entities, retail, hospitality, technology, life sciences, medical devices and pharmaceuticals. 3Company-reported. "Broad Market Appetite" availability table for the United States, accessed 2026-09-23; the table does not state a minimum revenue or company-size threshold for cyber (unlike the separate tech E&O appetite range). | Simply Business says cyber is available as an added coverage for select businesses purchasing another business policy, with general liability, professional liability and workers’ compensation given as examples. This is not a universal availability promise. 8Company-reported. Company-published cyber information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer. |
| Coverage Features | Resilience lists privacy wrongful-act coverage, eCrime coverage up to $500,000, coverage for incident costs that exceed the policy limit (such as legal, forensics and crisis communications), and funds-transfer-fraud recovery assistance among its cyber policy features. 3Company-reported. "Policy Coverage" section of the product page; actual insuring agreements, sublimits and exclusions are set by the issued policy. | The cyber page describes security-event and privacy-regulation claim types as risks that may be covered. This is company education; the policy determines coverage, limits, triggers and exclusions. 8Company-reported. Company-published cyber information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer. |
| Limits and Retentions | Resilience advertises cyber limits up to $20 million, available on a primary or excess basis, with a separate eCrime sublimit of up to $500,000. The page does not publish minimum limits, retentions or deductibles. 3Company-reported. "Top-Rated Insurance with Broad Market Appetite" and "Policy Coverage" sections; figures are marketing maximums, not a specific quote. | Confirm in your quote. |
| Risk Services | Resilience says policyholders get proactive threat monitoring from its Risk Operations Center and access to breach-and-attack simulations powered by AttackIQ, in addition to the policy itself. 3Company-reported. "The Resilience Advantage" section of the cyber product page. | Confirm in your quote. |
| How to Apply | The reviewed cyber product page does not describe a self-service online application or quoting process; it routes visitors to request a quote or watch a product overview rather than showing an application flow. 3Not publicly disclosed. Cyber Insurance product page, accessed 2026-09-23. | The page lists a phone quote route for cyber and also describes an online quote tool. Its Terms say availability varies by state, insurer and business details and binding requires panel-member approval. 8,7Company-reported. Company-published cyber information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer. |
| Claims Support | Resilience describes a fully in-house claims and incident-response team available 24/7, with a dedicated claims manager who stays with the policyholder from initial triage through settlement, backed by an outside panel of privacy-law, forensics and crisis-communications specialists. 5Company-reported. Claims & Incident Response page, accessed 2026-09-23; response-time and outcome statistics on that page are company-reported and not independently verified. | Confirm in your quote. |
Related Pages for Resilience vs Simply Business Cyber Insurance
Cyber Insurance Pages for Resilience and Simply Business
Other Cyber Insurance Provider Comparisons
Sources for Resilience vs Simply Business Cyber Insurance
Sources About Resilience
- Home Page. Resilience; Cyber risk management; Broad market appetite. Accessed 2026-09-16.
- Technology E&O. Resilience; Technology Errors & Omissions: technology risk categories; Key Benefits; primary and excess offering; A Broad Market Appetite (US revenue $25M–$10B). Accessed 2026-09-16.
- Cyber Insurance. Resilience; Policy Coverage section: privacy wrongful act coverage, up to $500k eCrime coverage, coverage costs beyond policy limits, recovery for funds transfer fraud; "The Resilience Advantage" section; "Broad Market Appetite" availability table listing Cyber Insurance and Tech E&O in the United States. Accessed 2026-09-23.
- Disclaimer. Resilience; USA paragraph: "Insurance products are distributed by Ocrea Risk Services, LLC (NPN 19169260) dba Resilience Cyber Insurance Solutions. Resilience products are underwritten by Homeland Insurance Company of New York or Homeland Insurance Company of Delaware, each subsidiaries of Intact Insurance Group USA LLC". Accessed 2026-09-23.
- Claims & Incident Response. Resilience; "Our Claims Advantage" and "Our Difference" sections: 24/7 in-house Claims & Incident Response team, fully in-house claims staff, dedicated claims manager from triage through settlement, world-class outside panel. 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.
- Cyber Insurance. Simply Business; Claim types lines 88–105; select-buyer add-on/phone quote lines 171–175; route and last-updated lines 389–395. Accessed 2026-09-29.
Sources for the Cyber Insurance Guide
- Cyber Insurance. Federal Trade Commission; Opening; First-Party and Third-Party Coverage; First-Party Coverage; Third-Party Coverage; What Should Your Cyber Insurance Policy Cover. Accessed 2026-09-16.
- CyberEdge specimen policy. AIG; General Terms §§4–6, PDF pp.3–6; Security and Privacy §1 p.11, §2(l)/(p) p.14, §3 pp.15–18, exclusions p.18; Event Management §1 and §2(h), PDF pp.19–20. Accessed 2026-09-16.
