Risklytics vs 
Simply Business: How Do They Compare for Commercial Property Insurance?
What Is Risklytics Insurance?
Risklytics suits robotics, autonomy and AI businesses that want help preparing an application and checking Tech E&O wording for AI exclusions; standard small businesses should compare generalist agencies. California eligibility is not established in its public materials. 1,2,3
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 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. 10,11,12
What Are the Key Differences Between Risklytics and Simply Business Commercial Property Insurance?
Coverage and Placement
Risklytics describes cover for leased office or lab contents after on-premises damage or theft and says the cover does not follow equipment off-site. Simply Business’s BOP describes property as a package component, with exact covered property determined by the form. Lab owners should ask whether equipment in transit or at another location needs inland marine coverage. 4 8
Service and Buyer Fit
Risklytics says its online application keeps a licensed producer on the file through binding and adds no broker fee beyond premium. Simply Business describes marketplace quote comparison and insurer approval before binding. Compare the support during placement and ask both who is paid, who issues the policy, and what charges appear. 4 8
What Should You Confirm in Risklytics and Simply Business Commercial Property Insurance Quotes?
- Ask Risklytics for a property schedule showing locations, building and contents values, valuation basis, deductible, and any catastrophe sublimits. 4
- Ask Simply Business which insurer’s BOP form will cover the property, and verify the schedule, business-interruption terms, and exclusions for your occupancy. 8
Risklytics 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.
Risklytics Review Score
Review Score
No reviews found
Risklytics 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 Risklytics 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 reviewsRisklytics vs Simply Business Commercial Property Insurance Compared
Risklytics vs Simply Business: Commercial Property Insurance: documented features by provider
| Criteria | Risklytics Commercial Property Insurance | Commercial-property coverage presented with a BOP |
|---|---|---|
| Role in This Line | Risklytics Insurance Services is a licensed insurance producer (NPN 22311838) that places Risklytics Commercial Property Insurance with outside carriers; it says it does not underwrite policies itself. 1Company-reported. About page; describes Risklytics' brokerage model generally, restated for this line. | Confirm in your quote. |
| Issuing Insurer | Risklytics does not name the carrier that underwrites Risklytics Commercial Property Insurance on its site. It says it places business with specialist insurers willing to write robotics, autonomy and AI risk; the issuing carrier appears on the bound policy. 4,1Company-reported. Lines page and about page; no specific insurer is published for this line. | Confirm in your quote. |
| Who It’s For | Risklytics says landlords usually require this coverage on a first lease with meaningful contents, and that a tenant's lease commonly requires coverage for improvements and contents since the landlord's own policy only covers the building. 4Company-reported. Lines page. | 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. 8Company-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 | Risklytics describes Commercial Property as paying to repair a leased office or lab and replace its contents after damage or theft on premises, such as a burst pipe soaking test rigs or a break-in emptying a workshop, and says it does not follow equipment once it leaves the premises (that is Equipment/Inland Marine). 4Company-reported. Lines page; the issued policy and declarations control actual coverage. | 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. 8,9Company-reported. Company-published commercial-property information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer. |
| Limits and Retentions | Risklytics does not publish a typical dollar limit for this line; it says the typical ask is enough coverage to replace what is in the insured space. 4Not publicly disclosed. Lines page, checked 2026-09-23. | Confirm in your quote. |
| Risk Services | Risklytics calls commercial property the most standardized, easy-to-get policy it places. 4Company-reported. Lines page. | Confirm in your quote. |
| How to Apply | You start Risklytics Commercial Property Insurance through Risklytics' online application. Risklytics says there is no broker fee on top of the premium and a licensed producer stays on the file until the program binds; its commission is paid by the carrier out of the premium either way. 5,1Company-reported. Pricing page describes the general application and fee process, not a line-specific form. | 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. 8Company-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 Risklytics vs Simply Business Commercial Property
Commercial Property Insurance Pages for Risklytics and Simply Business
Other Coverage Lines Compared for Risklytics vs Simply Business
Other Commercial Property Insurance Provider Comparisons
Sources for Risklytics vs Simply Business
Sources About Risklytics
- About Risklytics: who we are. Risklytics; “What we do”; Licensing: Risklytics Insurance Services, National Producer Number 22311838, resident license Massachusetts. Accessed 2026-09-23.
- Insurance for Frontier Tech. Risklytics; You describe your company; One application. Written for you; footer. Accessed 2026-09-16.
- Terms of Service. Risklytics; Effective August 7, 2026; sections 1–5, 7, 9 and 12. Accessed 2026-09-16.
- Commercial Property Insurance. Risklytics; Coverage line: Commercial Property; Built for moments like these; When to buy; Who requires it; How hard to get; Common questions. Accessed 2026-09-23.
- How pricing and broker fees work. Risklytics; Buying direct / Generic broker / Risklytics comparison table: no broker fee, commission paid by the carrier out of premium. 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.
