Simply Business vs 
TechInsurance: How Do They Compare for Commercial Property Insurance?
TechInsurance describes standalone commercial property with Actual Cash Value or Replacement Cost valuation, while Simply Business offers property as part of a BOP. TechInsurance says its property cover generally excludes flood, hurricane, earthquake, off-site goods, and equipment breakdown without an endorsement. 3,4,8
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. 1,2
What Is TechInsurance?
TechInsurance fits freelancers and small software, SaaS and IT firms that want to compare several insurers' quotes from one application, with agent help and a tech E&O plus cyber bundle. Growth-stage companies needing a managed renewal program or firm quote deadlines should look at specialist brokers. 5,6,7
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. 9,10,11
What Are the Key Differences Between Simply Business and TechInsurance Commercial Property Insurance?
Coverage and Fit
TechInsurance describes standalone commercial property with Actual Cash Value or Replacement Cost valuation, while Simply Business offers property as part of a BOP. Replacement Cost pays to replace covered items without depreciation; ask TechInsurance to price both bases and Simply Business to state its policy valuation basis. 8 3
Buying and Terms
TechInsurance says its property cover generally excludes flood, hurricane, earthquake, off-site goods, and equipment breakdown without an endorsement. Simply Business says the issued form controls property protection. Compare the actual exclusions and ask whether goods in transit or mechanical failure need separate cover. 8 3
What Should You Confirm in Simply Business and TechInsurance Commercial Property Insurance Quotes?
- Ask Simply Business which insurer’s policy will be quoted, and obtain the schedule, valuation method, deductible, exclusions, and binding requirements. 3
- Ask TechInsurance to identify the issuing insurer and show the exact limits, covered causes, and any endorsements or exclusions on the proposed policy. 8
Simply Business and TechInsurance 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.
Simply 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 reviewsTechInsurance Review Score
Review Score
2 rated sources
TechInsurance’s available ratings are favorable, with praise for broker guidance. The feedback supports its shopping service more than any particular insurer’s claims handling.[4][5]
Read TechInsurance reviewsSimply Business vs TechInsurance Commercial Property Compared
Simply Business vs TechInsurance: Commercial Property Insurance: documented features by provider
| Criteria | Commercial-property coverage presented with a BOP | TechInsurance Commercial Property Insurance |
|---|---|---|
| Role in This Line | Confirm in your quote. | TechInsurance arranges commercial property insurance, also called business hazard insurance, for businesses that own or rent commercial space, or that keep valuable equipment at a home office. 8Company-reported. Commercial property product page. |
| Issuing Insurer | Confirm in your quote. | The reviewed page does not name the issuing insurer for a commercial property policy. 8Not publicly disclosed. Commercial property product page as read on 2026-09-23. |
| Who It’s For | 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. 3Company-reported. Company-published commercial-property information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer. | Confirm in your quote. |
| Coverage Features | 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. 3,4Company-reported. Company-published commercial-property information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer. | TechInsurance says commercial property insurance covers theft of equipment, damage to company-owned buildings, weather-related and accidental damage, and vandalism, and can be written as actual cash value (cheaper, pays depreciated value) or replacement cost (more expensive, pays to replace with new equivalent items). 8Company-reported. Commercial property product page; general policy description, not a specific policy form. TechInsurance says commercial property insurance generally excludes extreme weather events like earthquakes, hurricanes and floods, goods in transit or at other worksites (which need inland marine insurance instead), and equipment breakdown from mechanical or electrical failure (which needs an endorsement). 8Company-reported. Commercial property product page, What isn't covered section. |
| Limits and Retentions | Confirm in your quote. | TechInsurance says its commercial property policyholders pay a median of $108 per month, or about $1,301 a year, with the exact premium depending on location, coverage limits and deductible, security systems, equipment value, and building size, construction and age. 8Company-reported. Commercial property product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table. |
| How to Apply | 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. 3Company-reported. Company-published commercial-property information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer. | You request commercial property quotes online through a short application; TechInsurance says licensed agents are available to help, and a certificate of insurance is typically available the same day you buy coverage. 8Company-reported. Commercial property product page. |
Related Pages for Simply Business vs TechInsurance Commercial Property
Commercial Property Pages for Simply Business and TechInsurance
Other Coverage Lines Compared for Simply Business vs TechInsurance
Other Commercial Property Insurance Provider Comparisons
Sources for Simply Business vs TechInsurance
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 About TechInsurance
- About TechInsurance. TechInsurance; Opening description; one-application process; History of TechInsurance, 2011 and 2022 entries. Accessed 2026-09-16.
- Technology Errors and Omissions – Tech E&O Insurance. TechInsurance; Tech E&O insurance includes two policies; quotation form; Technology professionals we insure. Accessed 2026-09-16.
- Contact Us. TechInsurance; FAQs: How does TechInsurance work? (agent assistance obtaining surety bonds); agent or broker role; application; finding quotes; updating address; certificates. Accessed 2026-09-16.
- Commercial Property Insurance Quotes Online. TechInsurance; What is covered under commercial property insurance? (theft, company-owned buildings, weather damage, accidental damage, vandalism); How much does commercial property insurance cost?; What isn't covered by commercial property insurance?; How does property insurance coverage work? (actual cash value vs. replacement cost). Accessed 2026-09-23.
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.
