Introduction
This comparison pairs technology or cyber businesses through RiskCube with small businesses through Simply Business. Their coverage catalogues share cyber, general liability. If one of those lines fits your business, compare the proposed forms and quote routes side by side; listed lines do not establish equal policy terms or eligibility. 6 13
Coverage Comparison
| Coverage | RiskCube | Simply Business |
|---|---|---|
| Business owner’s policy | Not listed | Listed 22 |
| Commercial property | Not listed | Listed 23,22Offered as part of a BOP, rather than as a standalone policy. |
| Crime | Listed 5RiskCube arranges commercial crime insurance for startups. | Not listed |
| Cyber liability | Listed 5RiskCube arranges cyber insurance for startups. | Listed 25Add-on for select buyers purchasing another business policy; phone quote route. |
| Directors and officers | Listed 5RiskCube arranges directors and officers liability insurance for startups. | Not listed |
| Employment practices liability | Listed 5RiskCube arranges employment practices liability insurance for startups. | Not listed |
| Fiduciary liability | Listed 5RiskCube arranges fiduciary liability insurance for startups. | Not listed |
| General liability | Listed 5RiskCube arranges general liability insurance for startups. | Listed 19 |
| Generative AI liability | Listed 5RiskCube markets AI insurance for startups building AI products. | Not listed |
| Key person | Listed 9RiskCube markets key person life insurance placement for startups. | Not listed |
| Professional errors and omissions (E&O) | Not listed | Listed 21 |
| Technology errors and omissions (E&O) | Listed 7RiskCube arranges technology errors and omissions insurance for startups. | Not listed |
| Tools, equipment and inland marine | Not listed | Listed 24 |
| Workers’ compensation | Not listed | Listed 20 |
A listing may be arranged through an insurer or partner. “Not listed” means this catalogue has no separate offering recorded; ask the provider whether it can quote the coverage and request the policy terms.
Current Spot Scores
Each score uses the rubric for that provider’s documented role. Providers with more than one role may have a score for each.
RiskCube
BrokerBroker
5.9/ 10Assessed provider: RiskCube. Scope: RiskCube Insurance Services, LLC as the producer/broker and RiskCube, Inc. as platform/operational support. RiskCube’s own disclosures say it is not a carrier and does not underwrite; third-party carrier and policy-specific issuer remain outside the generic brand scope.
Simply Business
BrokerBroker
No Spot Score
Assessment subject unavailable
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.
RiskCube
Review Score
RiskCube has no public customer reviews or ratings that we found, so there is no Review Score. That isn't a bad sign, just not enough to judge.[10][1][6]
Read RiskCube 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 reviewsKey Differences Between RiskCube and Simply Business
Business Fit and Coverage
The catalogues share cyber, general liability; other listed lines appear in the comparison table. For the overlap, match the policy forms, limits, exclusions and endorsements before treating the products as alternatives. A shared line name does not establish equal protection or eligibility.
Venture-backed startups from pre-seed through IPO and other growing businesses can ask RiskCube about SaaS, AI, fintech, GovTech, space and Web3 risks. 6Company-reported. Official public RiskCube materials reviewed on September 16, 2026; company statements, not independent regulatory or policy verification.
Simply Business says it serves small businesses and solopreneurs and lists examples such as contractors, cleaning businesses, LLCs and sole proprietors. These examples describe its stated audience, not guaranteed insurer eligibility or availability. 13,18,14Company-reported. Company-described U.S. audience; eligibility varies by insurer, state and business details.
RiskCube’s direct catalogue lists Tech E&O, cyber, D&O, general liability, commercial crime, EPL and fiduciary; listings do not guarantee terms or eligibility. 5Company-reported. Official public RiskCube materials reviewed on September 16, 2026; company statements, not independent regulatory or policy verification.
Roles and Quote Access
RiskCube helps startups compare insurance through a broker and platform; RiskCube Insurance Services, LLC arranges coverage, while third-party insurers issue policies. 4,3Company-reported. Official public RiskCube materials reviewed on September 16, 2026; company statements, not independent regulatory or policy verification.
Simply Business describes its U.S. service as an online commercial-insurance marketplace and licensed producer connecting business customers with insurers. Its June 30, 2026 Terms identify Simply Business, LLC and Harborway Insurance Agency, LLC d/b/a Harborway Insurance as licensed producers, with Harborway a Simply Business subsidiary; the Terms say Harborway policies are underwritten by Spinnaker Insurance Company. Other site policies are underwritten by third-party providers, so the selected issuer depends on the offer and policy. These roles and license statements are company-reported. The contact-page footer says Simply Business, LLC is licensed in all U.S. states and D.C.; for California it says the company operates under the name Simply Business Insurance Agency, LLC and displays License #0M20593. The footer also lists Colorado, New York, Pennsylvania and Texas operating names; it gives no other license identifiers. No regulator lookup was performed or required for this candidate. 13,14,26,15Company-reported. U.S. commercial insurance distribution described by the company. Simply Business, LLC, Simply Business, Inc., Harborway Insurance Agency, LLC, the stated parent and each policy issuer are distinct. The Inc./LLC relationship remains unresolved.
RiskCube describes a digital intake followed by AI-assisted, broker-reviewed comparison and purchase, but the application reviewed showed only a contact form. 1,11Company-reported. Official public RiskCube materials reviewed on September 16, 2026; company statements, not independent regulatory or policy verification.
The company advertises online quotes and weekday phone access to licensed agents. Its Terms say a quote is not guaranteed and Simply Business cannot bind a risk without panel-member approval; a quote or online purchase path does not establish that every applicant can bind online. 15,14Company-reported. Published U.S. quote and service channels. Binding depends on panel-member approval and the individual offer.
Use these routes to plan who will assemble the submission and whether you can complete the purchase online or need an agent or broker. Ask RiskCube and Simply Business to confirm the route for your state, coverage and business details; an online quote path alone does not show that a risk can be bound. 1 15
Policy Service and Claims
RiskCube says its platform supports policies, certificates and renewal notices; a certificate does not change policy coverage. 1,4Company-reported. Official public RiskCube materials reviewed on September 16, 2026; company statements, not independent regulatory or policy verification.
The company describes account access for policy documents, certificates, account updates and adding coverage; help material routes some changes to an agent or insurer. Not every policy change is described as self-service. 15,16,14Company-reported. Company-described post-purchase service paths; available tasks may depend on policy and insurer.
RiskCube says a human advocate works with the insurer from first notice through resolution; this is promised assistance, not evidence of claim outcomes. 6Company-reported. Official public RiskCube materials reviewed on September 16, 2026; company statements, not independent regulatory or policy verification.
The Terms say third-party insurers underwrite site policies and each provider handles claims on its own policies; the Help Center directs policyholders to identify and contact the insurer. This establishes a published route, not agency assistance after notice or claim outcomes. 14,16Company-reported. General site-policy claim responsibility. Harborway/Spinnaker applies only to the named Harborway placement relationship.
Compare the practical handoffs for documents, policy changes, renewal questions and claim notices. A listed support route describes access to help, not a claim outcome or a guarantee of service speed.
What to Confirm in Quotes
Request quotes for the same business details, coverage lines, limits, deductibles or retentions and policy period. Ask RiskCube and Simply Business to name the producer and issuing insurer for each proposed policy, confirm who can bind it, and itemize any customer fees or intermediary compensation. For the overlapping cyber, general liability, compare the actual insuring agreement, exclusions, sublimits and endorsements. Also confirm who handles account changes and receives claim notices. 1 13 1 14
Compare Services
What each provider documents about the services you may need
| Criteria | RiskCube | Simply Business |
|---|---|---|
| Business role | RiskCube helps startups compare insurance through a broker and platform; RiskCube Insurance Services, LLC arranges coverage, while third-party insurers issue policies. 4,3Company-reported. Official public RiskCube materials reviewed on September 16, 2026; company statements, not independent regulatory or policy verification. | Simply Business describes its U.S. service as an online commercial-insurance marketplace and licensed producer connecting business customers with insurers. Its June 30, 2026 Terms identify Simply Business, LLC and Harborway Insurance Agency, LLC d/b/a Harborway Insurance as licensed producers, with Harborway a Simply Business subsidiary; the Terms say Harborway policies are underwritten by Spinnaker Insurance Company. Other site policies are underwritten by third-party providers, so the selected issuer depends on the offer and policy. These roles and license statements are company-reported. The contact-page footer says Simply Business, LLC is licensed in all U.S. states and D.C.; for California it says the company operates under the name Simply Business Insurance Agency, LLC and displays License #0M20593. The footer also lists Colorado, New York, Pennsylvania and Texas operating names; it gives no other license identifiers. No regulator lookup was performed or required for this candidate. 13,14,26,15Company-reported. U.S. commercial insurance distribution described by the company. Simply Business, LLC, Simply Business, Inc., Harborway Insurance Agency, LLC, the stated parent and each policy issuer are distinct. The Inc./LLC relationship remains unresolved. |
| Application process | RiskCube describes a digital intake followed by AI-assisted, broker-reviewed comparison and purchase, but the application reviewed showed only a contact form. 1,11Company-reported. Official public RiskCube materials reviewed on September 16, 2026; company statements, not independent regulatory or policy verification. Technology E&O applicants should prepare product, customer, revenue, contract, claims and incident details; RiskCube qualifies quote timing based on risk and underwriting complexity. 7Company-reported. Official public RiskCube materials reviewed on September 16, 2026; company statements, not independent regulatory or policy verification. A quote is not coverage: RiskCube requires written confirmation from an insurer or authorized representative and satisfaction of binding conditions. 4Company-reported. Official public RiskCube materials reviewed on September 16, 2026; company statements, not independent regulatory or policy verification. | The company advertises online quotes and weekday phone access to licensed agents. Its Terms say a quote is not guaranteed and Simply Business cannot bind a risk without panel-member approval; a quote or online purchase path does not establish that every applicant can bind online. 15,14Company-reported. Published U.S. quote and service channels. Binding depends on panel-member approval and the individual offer. |
| Servicing and renewals | RiskCube says its platform supports policies, certificates and renewal notices; a certificate does not change policy coverage. 1,4Company-reported. Official public RiskCube materials reviewed on September 16, 2026; company statements, not independent regulatory or policy verification. RiskCube says it reviews vendor insurance requirements and requested endorsements, but warns AI-assisted output may be incomplete; verify each contract term yourself. 6,4Company-reported. Official public RiskCube materials reviewed on September 16, 2026; company statements, not independent regulatory or policy verification. | Simply Business lists licensed-agent phone support Monday through Friday: sales 8 a.m.–8 p.m. Eastern Time and service 9 a.m.–6 p.m. These listed hours do not establish a response-time guarantee. 15Company-reported. Hours displayed on the current U.S. contact page; no actual wait-time observation is implied. The company describes account access for policy documents, certificates, account updates and adding coverage; help material routes some changes to an agent or insurer. Not every policy change is described as self-service. 15,16,14Company-reported. Company-described post-purchase service paths; available tasks may depend on policy and insurer. The Help Center FAQ says most customers opt into automatic renewal and gives 60-day notice and 30-day processing timing only for those who opt in. The same Help Center summary and June 30, 2026 Terms use broader automatic-renewal wording without the FAQ’s opt-in qualification. The public descriptions conflict; they do not establish which wording applies to every policy. 16,14Conflicting sources. Company-published descriptions reviewed 2026-09-29. FAQ detail, Help Center summary and Terms are inconsistent; no buyer-specific policy notice was reviewed. |
| Claims assistance | RiskCube says a human advocate works with the insurer from first notice through resolution; this is promised assistance, not evidence of claim outcomes. 6Company-reported. Official public RiskCube materials reviewed on September 16, 2026; company statements, not independent regulatory or policy verification. | The Terms say third-party insurers underwrite site policies and each provider handles claims on its own policies; the Help Center directs policyholders to identify and contact the insurer. This establishes a published route, not agency assistance after notice or claim outcomes. 14,16Company-reported. General site-policy claim responsibility. Harborway/Spinnaker applies only to the named Harborway placement relationship. |
| Customer focus | Venture-backed startups from pre-seed through IPO and other growing businesses can ask RiskCube about SaaS, AI, fintech, GovTech, space and Web3 risks. 6Company-reported. Official public RiskCube materials reviewed on September 16, 2026; company statements, not independent regulatory or policy verification. | Simply Business says it serves small businesses and solopreneurs and lists examples such as contractors, cleaning businesses, LLCs and sole proprietors. These examples describe its stated audience, not guaranteed insurer eligibility or availability. 13,18,14Company-reported. Company-described U.S. audience; eligibility varies by insurer, state and business details. |
| Fees and compensation | Get the total price and compensation in writing: RiskCube advertises no added broker fee but also allows service and processing fees, insurer/intermediary commissions and incentives. 1,6,3Conflicting sources. Marketing/legal disclosure tension; not a finding that any individual client has been charged an undisclosed fee. No specific commission rate or service fee schedule established. | The Terms say Simply Business receives commission or other compensation from or through panel members and that customers may also incur separate processing, administrative, service, installment or cancellation fees. They give no amount or placement-specific applicability; the Terms say charges are disclosed before purchase. 14Company-reported. General disclosure dated 2026-06-30; no specific commission, fee schedule, premium or customer charge was reviewed. |
Related Reading
Sources
RiskCube Official Website
- Startup Business Insurance. RiskCube; Solution; Compare/Buy/Manage; Who we insure; footer. Accessed 2026-09-16.
- Licenses & Disclosures. RiskCube; Property & Casualty Producer/Broker Licenses; February 11, 2026 version. Accessed 2026-09-16.
- Disclosures & Compensation. RiskCube; Sections 1–5; February 11, 2026 version. Accessed 2026-09-16.
- Terms of Service. RiskCube; Who We Are; sections 5, 9, 10 and 19; February 11, 2026 version. Accessed 2026-09-16.
- Startup Insurance Coverage. RiskCube; All coverage types: product sales cards and Learn more routes; footer producer-role disclosure. Accessed 2026-09-16.
- Startup Insurance FAQ. RiskCube; Getting Started; Industries & Eligibility; Certificates & Compliance; claim question. Accessed 2026-09-16.
- Technology Errors and Omissions (E&O) Insurance. RiskCube; Technology E&O product and quote introduction; application FAQ; AI & enterprise risk FAQ on adding an excess policy for AI-related gaps. Accessed 2026-09-16.
- Credit Insurance for Startups. RiskCube; Introduction; coverage exclusions; closing placement invitation. Accessed 2026-09-16.
- Key Person Life Insurance for Startups. RiskCube; Key Person Life Insurance product introduction; quote-comparison invitation; timing FAQ; closing placement invitation. Accessed 2026-09-16.
- Key Person Life Insurance Notice. RiskCube; Sections 2–6; June 23, 2026 version. Accessed 2026-09-16.
- Contact RiskCube. RiskCube; Talk to a licensed insurance expert; Contact form (served at application URL). Accessed 2026-09-16.
- Contact RiskCube. RiskCube; Contact form served at AI Insurance URL. Accessed 2026-09-16.
Simply Business Official Website
- 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.
- Contact Us. Simply Business; Opening contact details lines 20–31; licensed-agent phone hours lines 46–59; U.S. licensing and state-specific name disclosures in footer lines 108–111, including California License #0M20593. Accessed 2026-09-29.
- Help Center. Simply Business; Claims, account servicing, agent-routed changes, renewal FAQ and Common Topics. Accessed 2026-09-29.
- How Simply Business Works. Simply Business; Common types lines 92–160; quote/purchase flow; estimate-method footnotes lines 198–200. Accessed 2026-09-29.
- Business Insurance for Small Businesses. Simply Business; Small Business Insurance Coverage Options and policy links. Accessed 2026-09-29.
- General Liability Insurance for a Small Business. Simply Business; Coverage lines 51–75; audience lines 61–65, 153–155; application and examples elsewhere on page. Accessed 2026-09-29.
- Workers’ Compensation Insurance for Small Business. Simply Business; Coverage and benefits lines 45–69; state/buyer qualifications lines 178–189. Accessed 2026-09-29.
- Professional Liability Insurance Coverage. Simply Business; Coverage lines 45–100; buyer examples lines 101–158; online quote steps lines 237–260. 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.
- Commercial Property Insurance. Simply Business; Lines 15–18 present physical-location cover as part of a BOP; lines 34–49 describe the package; lines 59–63 say it is offered as part of the BOP rather than as a standalone policy and link to a BOP quote. Accessed 2026-09-29.
- Inland Marine Insurance. Simply Business; Equipment/inventory lines 15–18, 59–63; examples and quote workflow lines 97–140, 168–191. 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.
- Producer Compensation Disclosure (United States). Travelers; Ownership interest in a producer, lines 57–60: Travelers says it owns Simply Business, Inc.; relation to Simply Business, LLC not stated. Accessed 2026-09-29.
