Simply Business vs 
Travelers: How Do They Compare for Commercial Property Insurance?
Travelers underwrites property as a standalone line or within programs for different business sizes, and it lists property specialists, under-deductible recovery support, and wildfire discounts for qualifying risks. Travelers places coverage through an independent agent who can discuss replacement cost versus actual cash value. 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 Travelers Insurance?
Travelers suits technology companies that want CyberRisk Tech and can work through an independent agent; buyers seeking a direct online technology quote should compare digital providers. Many small accounts can be quoted in agent platforms, while specialty risks need underwriting. 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 Travelers Commercial Property Insurance?
Coverage and Buyer Fit
Travelers underwrites property as a standalone line or within programs for different business sizes, and it lists property specialists, under-deductible recovery support, and wildfire discounts for qualifying risks. Simply Business offers property only through a BOP marketplace. Ask Travelers about specialist services and compare whether the bundled marketplace form meets the same property needs. 8 3
Placement and Support
Travelers places coverage through an independent agent who can discuss replacement cost versus actual cash value. Simply Business starts with an online marketplace application. Buyers who need help choosing a valuation basis have an expressly described Travelers agent route; ask Simply Business who can explain the selected insurer’s terms. 8 3
What Should You Confirm in Simply Business and Travelers Commercial Property Insurance Quotes?
Simply Business and Travelers 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 reviewsTravelers Review Score
Review Score
3 rated sources
Travelers earns 4.5/5 from NerdWallet, but customer feedback is poor: 1.4/5 on Trustpilot and 1.3/5 for homeowners on ConsumerAffairs. Those reviews mostly concern personal insurance.[1][2][4][5][6][7]
Read Travelers reviewsSimply Business vs Travelers Commercial Property Insurance Compared
Simply Business vs Travelers: Commercial Property Insurance: documented features by provider
| Criteria | Commercial-property coverage presented with a BOP | Travelers Commercial Property Insurance |
|---|---|---|
| Role in This Line | Confirm in your quote. | Travelers underwrites commercial property insurance as a standalone policy or packaged with other coverage, with separate product tiers for small, midsized, and large or specialty businesses. 8Company-reported. Product page tier descriptions. |
| 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. | Travelers offers small business property coverage bundled into its Business Owner's Policy for classes such as contractors, healthcare, retail, restaurants and technology services, Travelers Deluxe and OMNI for midsized businesses, and Customized Property Coverage for large, specialized or high-value risks. 8Company-reported. Product page small, midsized and large/specialty business sections. |
| 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. | Travelers says the policy covers a company's buildings, office equipment, furniture, fixtures, inventory and lost business income from events such as fire, explosion, storms, theft and vandalism, with additional coverage often available for floods, earthquakes and equipment breakdown. 8Company-reported. Product page "What does commercial property insurance cover?" FAQ; actual inclusions and exclusions are set by the issued policy. |
| Limits and Retentions | Confirm in your quote. | Travelers says its excess property market typically attaches at $1,000,000 or greater; standard-tier limits and deductibles are not published and depend on the quote. 8Company-reported. Product page "Excess property market" section. |
| Risk Services | Confirm in your quote. | Travelers says property customers get access to Risk Control property specialists, an Under Deductible Subrogation service to pursue reimbursement for losses below the deductible, and wildfire mitigation discounts for qualifying properties. 8Company-reported. Product page Risk Control, Under Deductible Subrogation and wildfire mitigation sections. |
| 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. | Commercial property coverage is bought through a Travelers independent agent, who can help choose between replacement-cost and actual-cash-value coverage and confirm what a lease requires. 8Company-reported. Product page purchasing and lease-review FAQs. |
Related Pages for Simply Business vs Travelers Commercial Property
Commercial Property Insurance Pages for Simply Business and Travelers
Other Coverage Lines Compared for Simply Business vs Travelers
Other Commercial Property Insurance Provider Comparisons
Sources for Simply Business vs Travelers Commercial Property Insurance
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 Travelers
- Technology Insurance. Travelers; Technology insurance products we offer: CyberRisk Tech, Global Companion Plus+, general liability, commercial property, workers compensation, commercial auto, umbrella; startup-to-established-leader audience. Accessed 2026-09-16.
- Travelers Producer Compensation Disclosure (United States). Travelers; Independent producers; seven compensation types; Simply Business, Inc. and InsuraMatch, LLC ownership; The Travelers Indemnity Company footer; Northfield Excess & Surplus Lines product list. Accessed 2026-09-16.
- Contact Us. Travelers; Business insurance sold through independent agents; business claims 1.800.238.6225; MyTravelers for business features. Accessed 2026-09-16.
- Commercial Property Insurance. Travelers; What is commercial property insurance?; Who is commercial property insurance coverage right for?; Small business property insurance; Midsized business property insurance (Travelers Deluxe, OMNI); Large and specialty business property insurance (Customized Property Coverage, global property coverage, specialty market programs, Excess property market); FAQ. 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.
