Simply Business vs 
Travelers: How Do They Compare for General Liability Insurance?
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. 4,5,6
What Is General Liability Insurance?
General liability can protect your business when a customer or visitor claims you caused injury or damaged their property. It suits businesses serving customers or working on their premises; your own building, tools and stock need property coverage. 8,9,10
Key Differences in General Liability Insurance
Underwriting and how to buy
Travelers says it underwrites general liability as a standalone policy or within a Business Owner’s Policy, with purchase through an independent agent who can customize coverage. Simply Business provides an online quote route and says panel-member approval is required before binding; the reviewed record does not name an insurer. Ask which carrier will issue the Simply Business offer and compare it with the Travelers declarations. 7 2
Risk services and coverage boundaries
Travelers says general liability customers can access more than 600 Risk Control consultants and a dedicated claims team, and identifies exclusions for professional negligence and damage to a business’s own tools or inventory. Simply Business notes employee injuries are outside general liability and describes potential third-party injury, property damage and defense costs. If you need help preventing losses or have professional-service exposures, ask how each policy and service addresses them. 7 3
What to Confirm in General Liability Insurance Quotes
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.
Simply 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 reviewsTravelers
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 reviewsOffering Details
Simply Business vs Travelers: General Liability Insurance: documented features by provider
| Criteria | General liability insurance through Simply Business | Travelers General Liability Insurance |
|---|---|---|
| Role in This Line | Confirm in your quote. | Travelers underwrites general liability insurance as a standalone policy or as part of its Business Owner's Policy for small businesses. 7Company-reported. Product page "How do I purchase general liability insurance?" FAQ. |
| Who It’s For | The page discusses sole proprietors, partnerships, LLCs, home-based businesses, independent contractors and freelancers as examples of small-business buyers. Examples do not guarantee a carrier quote or eligibility. 3Company-reported. Company-published general-liability information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer. | Travelers markets general liability to any business that could face a bodily-injury or property-damage claim, with industry-specific variants such as EnergyPro CGL for oil and gas and Synergy for life sciences (medical device, pharmaceutical and digital health) companies. 7Company-reported. Product page "Who is general liability insurance right for?", oil and gas and life sciences sections. |
| Coverage Features | The company describes general liability as potentially addressing third-party accidents, bodily injury, third-party property damage and legal-defense costs. Its page says employee injuries are not covered by this line. This is educational material, not a policy form. 3Company-reported. Company-published general-liability information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer. | Travelers says the policy typically provides premises liability, products liability, and personal and advertising injury liability (covering offenses such as slander, libel, wrongful eviction and advertising copyright infringement), plus liability of others assumed in specifically defined contracts. 7Company-reported. Product page "What is general liability insurance?" and "What does general liability insurance cover?" sections; exact terms and exclusions are set by the issued policy. Travelers says general liability does not cover claims related to the quality of your work or professional negligence, or theft of your own tools, equipment or inventory; it points to professional liability/E&O and commercial property or BOP coverage for those risks instead. 7Company-reported. Product page "Does general liability insurance cover all my legal risks?" and "Does general liability cover theft?" FAQs. |
| Limits and Retentions | Confirm in your quote. | The reviewed page does not publish standard general liability limits or premiums; it says cost varies by industry, risk exposure, location, claims history and other factors, and points buyers to a commercial umbrella policy for higher limits. 7Not publicly disclosed. Product page "How much does general liability business insurance cost?" FAQ. |
| Risk Services | Confirm in your quote. | Travelers says general liability customers can draw on more than 600 Risk Control consultants and a dedicated Claim team. 7Company-reported. Product page Risk Control and Claim sections. |
| How to Apply | Simply Business directs buyers to an online quote flow; its Terms say a quote is not guaranteed and the producer cannot bind a risk without panel-member approval. 3,2Company-reported. Company-published general-liability information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer. | General liability is bought through a Travelers independent agent, who can customize coverage and help set up the policy. 7Company-reported. Product page "How do I purchase general liability insurance?" FAQ. |
Full Comparison
More Simply Business vs Travelers Comparisons
Other General Liability Insurance Comparisons
Sources
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.
- 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.
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.
- General Liability Insurance. Travelers; What is general liability insurance?; What does general liability insurance cover?; Travelers business owners policy (BOP) for small businesses; How does commercial general liability insurance differ from professional liability coverage?; How do I purchase general liability insurance? Accessed 2026-09-23.
General Liability Insurance Guide
- Commercial general liability insurance. Insurance Information Institute; Coverage A; Coverage B; Coverage C; Purchasing commercial general liability insurance. Accessed 2026-09-16.
- Commercial Insurance Guide. California Department of Insurance; Commercial General Liability; Commercial Automobile; What Should I Expect from a Broker-Agent?; How Are Commercial Policies Rated? Accessed 2026-09-16.
- Commercial General Liability Coverage Form. ISO; specimen hosted by Hiscox; I.A pp.1–5; I.B pp.6–7; I.C pp.7–8; Supplementary Payments p.8; II pp.9–10; III p.10; IV pp.10–12. Accessed 2026-09-16.
