---
title: "Resilience vs Simply Business: Cyber Insurance"
description: "Resilience pairs cyber insurance with threat monitoring and breach simulations; Simply Business offers cyber as an add-on for select policyholders."
canonical: "https://spot.insure/compare/resilience-vs-simply-business/cyber"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "resilience-vs-simply-business"
provider-a: "resilience"
provider-b: "simply-business"
coverage-line: "cyber"
---

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[Human-readable page](https://spot.insure/compare/resilience-vs-simply-business/cyber)

## Agent Guide

**What this page is:** Focused comparison of Resilience and Simply Business for Cyber 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 Cyber Insurance questions about Resilience 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:**
- Resilience vs Simply Business for Cyber Insurance: how do they differ?
- Which is better for Cyber Insurance, Resilience or Simply Business?
- What does Resilience or Simply Business publish about Cyber Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Cyber Insurance from Resilience or Simply Business?

**Key facts:**
- Line: Cyber Insurance. Providers: Resilience 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:**
- [Resilience vs Simply Business](https://spot.insure/compare/resilience-vs-simply-business) — parent: all coverage lines for this pair
- [Cyber Insurance guide](https://spot.insure/coverage/cyber) — coverage explainer for this line
- [Resilience profile](https://spot.insure/insurance-providers/resilience) — provider profile (evidence)
- [Simply Business profile](https://spot.insure/insurance-providers/simply-business) — provider profile (evidence)
- [AIG vs Resilience Cyber Insurance](https://spot.insure/compare/aig-vs-resilience/cyber) — sibling comparison (other line, or other pair for this line)
- [AIG vs Simply Business Cyber Insurance](https://spot.insure/compare/aig-vs-simply-business/cyber) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Resilience Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-resilience/cyber) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Simply Business Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-simply-business/cyber) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs Resilience Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-resilience/cyber) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs Simply Business Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-simply-business/cyber) — sibling comparison (other line, or other pair for this line)

# Resilience vs Simply Business: How Do They Compare for Cyber Insurance?

Resilience pairs cyber insurance with threat monitoring and breach simulations; Simply Business offers cyber as an add-on for select policyholders.

## How to Use the Resilience vs Simply Business Cyber Insurance Comparison

Use this comparison to evaluate Resilience and Simply Business for Cyber 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.

## Resilience vs Simply Business Cyber Insurance Summary

Resilience pairs cyber insurance with threat monitoring and breach simulations; Simply Business offers cyber as an add-on for select policyholders. [3](https://cyberresilience.com/products/cyber-insurance "Cyber Insurance") [8](https://www.simplybusiness.com/business-insurance/cyber-liability-insurance/ "Cyber Insurance")

## 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](https://cyberresilience.com/ "Home Page") [2](https://cyberresilience.com/products/technology-errors-and-omissions-insurance "Technology E&O")

[Resilience profile](https://spot.insure/insurance-providers/resilience)

## 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](https://www.simplybusiness.com/about-us/ "Our Small Business Insurance Story") [7](https://www.simplybusiness.com/terms-conditions/ "Terms of Service")

[Simply Business profile](https://spot.insure/insurance-providers/simply-business)

## 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](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity/cyber-insurance "Cyber Insurance") [10](https://www.aig.com/content/dam/aig/america-canada/us/documents/business/cyber/cyberedge-wording-sample-specimen-form.pdf "CyberEdge specimen policy")

## 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](https://cyberresilience.com/products/cyber-insurance "Cyber Insurance") [8](https://www.simplybusiness.com/business-insurance/cyber-liability-insurance/ "Cyber Insurance")

### 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](https://cyberresilience.com/products/cyber-insurance "Cyber Insurance") [8](https://www.simplybusiness.com/business-insurance/cyber-liability-insurance/ "Cyber Insurance")

### 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](https://cyberresilience.com/disclaimer/ "Disclaimer") [7](https://www.simplybusiness.com/terms-conditions/ "Terms of Service")

## 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](https://cyberresilience.com/disclaimer/ "Disclaimer")
- 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](https://www.simplybusiness.com/terms-conditions/ "Terms of Service") [3](https://cyberresilience.com/products/cyber-insurance "Cyber Insurance")

## Resilience vs Simply Business Cyber Insurance Compared

| 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. [3](https://cyberresilience.com/products/cyber-insurance "Cyber Insurance") (Evidence: Company-reported; scope: 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. [4](https://cyberresilience.com/disclaimer/ "Disclaimer") (Evidence: Company-reported; scope: 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. [3](https://cyberresilience.com/products/cyber-insurance "Cyber Insurance") (Evidence: Company-reported; scope: "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. [8](https://www.simplybusiness.com/business-insurance/cyber-liability-insurance/ "Cyber Insurance") (Evidence: Company-reported; scope: 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. [3](https://cyberresilience.com/products/cyber-insurance "Cyber Insurance") (Evidence: Company-reported; scope: "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. [8](https://www.simplybusiness.com/business-insurance/cyber-liability-insurance/ "Cyber Insurance") (Evidence: Company-reported; scope: 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. [3](https://cyberresilience.com/products/cyber-insurance "Cyber Insurance") (Evidence: Company-reported; scope: "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. [3](https://cyberresilience.com/products/cyber-insurance "Cyber Insurance") (Evidence: Company-reported; scope: "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. [3](https://cyberresilience.com/products/cyber-insurance "Cyber Insurance") (Evidence: Not publicly disclosed; scope: 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](https://www.simplybusiness.com/business-insurance/cyber-liability-insurance/ "Cyber Insurance") [7](https://www.simplybusiness.com/terms-conditions/ "Terms of Service") (Evidence: Company-reported; scope: 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. [5](https://cyberresilience.com/products/claims-incident-response "Claims & Incident Response") (Evidence: Company-reported; scope: 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

- [Resilience vs Simply Business](https://spot.insure/compare/resilience-vs-simply-business): all coverage lines, business roles, service and claims.
- [What Is Cyber Insurance?](https://spot.insure/coverage/cyber): Cyber insurance can help pay covered breach response, data recovery, interruption and liability costs; vendor incidents and funds-transfer fraud need separate checks.
- [AIG vs Resilience Cyber Insurance](https://spot.insure/compare/aig-vs-resilience/cyber)
- [AIG vs Simply Business Cyber Insurance](https://spot.insure/compare/aig-vs-simply-business/cyber)
- [Alliance Risk vs Resilience Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-resilience/cyber)
- [Alliance Risk vs Simply Business Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-simply-business/cyber)
- [Amelia Risk vs Resilience Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-resilience/cyber)
- [Amelia Risk vs Simply Business Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-simply-business/cyber)

## Sources for Resilience vs Simply Business Cyber Insurance

### Sources About Resilience

1. [Home Page](https://cyberresilience.com/). Resilience; Cyber risk management; Broad market appetite. Accessed 2026-09-16.
2. [Technology E&O](https://cyberresilience.com/products/technology-errors-and-omissions-insurance). 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.
3. [Cyber Insurance](https://cyberresilience.com/products/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.
4. [Disclaimer](https://cyberresilience.com/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.
5. [Claims & Incident Response](https://cyberresilience.com/products/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

6. [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.
7. [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.
8. [Cyber Insurance](https://www.simplybusiness.com/business-insurance/cyber-liability-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

9. [Cyber Insurance](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity/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.
10. [CyberEdge specimen policy](https://www.aig.com/content/dam/aig/america-canada/us/documents/business/cyber/cyberedge-wording-sample-specimen-form.pdf). 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.

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.

## Resilience Review Scores for 2026

Review Score: 9.0 / 10 from 1 rated source, equally weighted.

There's almost nothing public to go on. G2 shows 4.5 out of 5 for Resilience, but from a single review.

- G2: G2 rating 4.5 (out of 5); 1 reviews. G2 product page for Resilience, a cyber risk management platform; claimed profile. One review, so treat as an early signal. Period: captured 2026-09-29. Checked 2026-09-29. [Resilience Reviews | G2](https://www.g2.com/products/resilience/reviews)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/resilience/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/resilience-vs-simply-business/cyber.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)