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Simply Business vs Zurich U.S.

Simply Business describes an insurance marketplace route, while Zurich U.S. directs commercial buyers to agents and brokers; compare the listed products, named insurer, submission route, and service contact against your business and policy needs. 1,2,14,3,4,45,46,50,51,52

Introduction

If you are choosing where to start a commercial insurance conversation, this pair helps separate Simply Business's documented role from Zurich's agent-and-broker placement route. The records describe business activities and marketed products; they do not establish that either route will quote or issue a particular policy for your company. 1 2 14 3 50 51

Coverage Comparison

CoverageSimply BusinessZurich U.S.
Builders riskNot listedListed 44Zurich markets a Commercial Builders Risk program for construction projects; the project-value language conflicts within Zurich’s own page and requires confirmation.
Business owner’s policyListed 10Not listed
Commercial autoNot listedListed 29Zurich markets commercial auto for rental fleets; the reviewed source does not establish the same terms for all commercial-auto classes.
Commercial propertyListed 11,10Offered as part of a BOP, rather than as a standalone policy.Listed 27Zurich markets commercial property insurance.
CrimeNot listedListed 21Zurich markets commercial crime insurance as standalone policies and as package solutions; package structure is distinct from any specific policy terms.
Cyber liabilityListed 13Add-on for select buyers purchasing another business policy; phone quote route.Listed 24Zurich markets cyber insurance for businesses; cover and policy form depend on the selected product.
Directors and officersNot listedListed 17Zurich markets directors and officers liability insurance.
Employment practices liabilityNot listedListed 19Zurich markets Employment Practices Liability Insurance (EPLI).
Fidelity bondsNot listedListed 22Zurich markets ERISA fidelity bond options; this product page identifies Zurich American Insurance Company as underwriter and states approved-state availability.
Fiduciary liabilityNot listedListed 17Zurich markets fiduciary liability insurance.
General liabilityListed 7Listed 16,15Zurich’s U.S. catalogue describes commercial general liability protection for business bodily injury, property damage and personal injury claims.
Management liabilityNot listedListed 17Zurich markets a management liability portfolio with multiple distinct lines.
Professional errors and omissions (E&O)Listed 9Listed 23Zurich markets professional errors and omissions insurance.
Surety bondsNot listedListed 30Zurich markets construction and corporate surety bonds.
Technology errors and omissions (E&O)Not listedListed 23Zurich markets technology errors and omissions insurance.
Tools, equipment and inland marineListed 12Listed 27Zurich’s commercial property page separately lists Inland Marine coverages, including contractors’ equipment and warehouse liability; do not equate its broader Marine portfolio with this line.
Umbrella and excess liabilityNot listedListed 26Zurich markets commercial umbrella and excess liability insurance; the cited facility is not a universal Zurich limit.
Workers’ compensationListed 8Listed 43Zurich markets workers’ compensation insurance.

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.

Zurich U.S.

Carrier

Carrier & MGA

No Spot Score

Assessed entity: Zurich American Insurance Company. Scope: Evidence record for Zurich U.S. brand and named insurer Zurich American Insurance Company (ZAIC); corporate ratings are specific to the named issuer where stated, while conduct and customer sources keep their own entity/jurisdiction/product scopes. No Spot Score or reliability rating is assigned.

Provider assessment

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

5.7/ 10

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 reviews

Zurich U.S.

-/ 10

Review Score

The available Zurich review evidence is mixed and comes from distinct populations: a car-rental-business editorial rating, broad global and U.S. review-platform snapshots, and a BBB business-profile grade. These are not a representative measure of every Zurich commercial policy or claim.[1][4][5][6][7]

Read Zurich U.S. reviews

How The Buying Route Differs

Simply Business's published role points to an insurance marketplace route; Zurich describes a commercial insurer group that works through agents and brokers. That distinction can guide whom you contact first: use Simply Business when its documented channel and service model fit your need, and ask a broker who can quote the Zurich product you want to compare. The specific producer and insurer still depend on the proposal and policy documents. 1 2 14 3 45 46 50 51

The application path affects who prepares the submission and which details your team must assemble. Compare Simply Business's described application route with Zurich's broker-directed route for your product, locations, and operations. Ask each contact what information is still missing and what written confirmation marks the point when coverage is bound. 3 2 50 51

Use both companies' published customer descriptions as routing clues. Check whether your industry's operations, company size, locations, and contract requirements match the audience described in each quote conversation; a stated focus does not establish that an insurer will accept your risk. 1 6 2 45 50

What The Coverage Lists Show

The current coverage lists overlap on Cyber liability, Commercial property, General liability. Simply Business also lists Business owner’s policy among its documented lines; Zurich's list also names Directors and officers and Technology errors and omissions (E&O). A shared label is only a starting point: compare the proposed forms, limits, retentions, exclusions, and conditions for your specific operations. 10 13 11 7 16 17 23 24 27

Application And Ongoing Service

After a quote is prepared, compare the service each company describes with the route you will use. Ask whether your account includes portal access, who handles certificates and midterm changes, who coordinates renewal review, and where to report a claim. The published service descriptions do not establish the commitments in your own agreement. 3 4 2 52

Questions To Ask Before You Choose

  • Which legal insurer will issue each quoted policy, and which producer is responsible for placement?
  • Which forms, limits, retentions, exclusions, and state or business eligibility rules apply to the exposure you need to insure?
  • What application materials or follow-up does each route require, and what event confirms coverage is bound?
  • Who handles certificates, midterm changes, renewal review, and first notice of claim?
  • How are premium, taxes, fees, commissions, and any contingent compensation disclosed for this placement?

The public records explain the companies' roles and processes, but only an applicant-specific proposal and issued policy can answer those questions for your business. 3 2 50 51 52 55

Compare Services

What each provider documents about the services you may need

CriteriaSimply BusinessZurich U.S.
Business role

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. 1,2,14,3Company-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.

Zurich U.S. describes its business as commercial property-casualty and specialty insurance solutions and services within Zurich Insurance Group. 45,46Company-reported. Zurich U.S. operating brand; U.S. business; company description, not legal-entity or insurer attribution for an individual policy.

Zurich’s 2026 history page describes a planned transition from Zurich North America to Zurich U.S.; the reviewed page does not give a completion date. 49Company-reported. Brand naming only. No Zurich North America alias added pending clear evidence of completion.

Customer focus

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. 1,6,2Company-reported. Company-described U.S. audience; eligibility varies by insurer, state and business details.

Zurich U.S. describes serving Middle Market businesses and large or national accounts across industries including automotive, agriculture, construction, manufacturing and technology. 45,50Company-reported. Company-reported U.S. customer positioning; examples do not establish that a specific risk is eligible.

Application process

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. 3,2Company-reported. Published U.S. quote and service channels. Binding depends on panel-member approval and the individual offer.

Zurich directs commercial buyers to agents and brokers and provides a locator. The reviewed pages do not establish a general direct online purchase flow. 50,51Company-reported. Zurich U.S. commercial customer route; reviewed agent/contact pages; not a conclusion that direct placement is unavailable in every program.

Servicing and renewals

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. 3Company-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. 3,4,2Company-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. 4,2Conflicting sources. Company-published descriptions reviewed 2026-09-29. FAQ detail, Help Center summary and Terms are inconsistent; no buyer-specific policy notice was reviewed.

Zurich describes an online portal for existing customers to view policy documents and endorsements, track claims, review risk-improvement actions and contact Zurich. The reviewed pages do not explain renewal handling. 52Company-reported. Company-described My Zurich functions for existing policyholders; renewal details were not found in these reviewed pages.

Sources

Simply Business Official Website

  1. Our Small Business Insurance Story. Simply Business; Opening description and audience; digital marketplace, business types and U.S. service. Accessed 2026-09-29.
  2. 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.
  3. 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.
  4. Help Center. Simply Business; Claims, account servicing, agent-routed changes, renewal FAQ and Common Topics. Accessed 2026-09-29.
  5. How Simply Business Works. Simply Business; Common types lines 92–160; quote/purchase flow; estimate-method footnotes lines 198–200. Accessed 2026-09-29.
  6. Business Insurance for Small Businesses. Simply Business; Small Business Insurance Coverage Options and policy links. Accessed 2026-09-29.
  7. 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.
  8. Workers’ Compensation Insurance for Small Business. Simply Business; Coverage and benefits lines 45–69; state/buyer qualifications lines 178–189. Accessed 2026-09-29.
  9. 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.
  10. 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.
  11. 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.
  12. 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.
  13. 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.
  14. 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.

Zurich U.S. Official Website

  1. Business insurance for public & private companies | Zurich. Zurich U.S.; Zurich U.S. commercial coverage catalogue; line navigation and product links. Accessed 2026-09-28.
  2. Commercial Casualty Insurance | Zurich Insurance. Zurich U.S.; Insurance solutions for commercial casualty / Domestic Casualty Solutions; explicitly lists Zurich General Liability, Workers’ Compensation, Commercial Auto and Excess Liability. Accessed 2026-09-28.
  3. Management Liability Insurance | Zurich U.S. Zurich U.S.; Management liability, D&O, crime, fiduciary, EPLI. Accessed 2026-09-28.
  4. Directors and Officers Liability Insurance (D&O) | Zurich U.S. Zurich U.S.; D&O coverage, target companies, claims team. Accessed 2026-09-28.
  5. Employment Practices Liability Insurance (EPLI) | Zurich U.S. Zurich U.S.; EPLI protection, coverage features, risk services. Accessed 2026-09-28.
  6. Fiduciary Liability Insurance | Zurich U.S. Zurich U.S.; Fiduciary products, exposures, customers, services. Accessed 2026-09-28.
  7. Commercial Crime & Fidelity Insurance Coverage | Zurich U.S. Zurich U.S.; Crime product, standalone/package availability, loss examples, risk assessment services. Accessed 2026-09-28.
  8. ERISA Fidelity Bond | Zurich U.S. Insurance. Zurich U.S.; ERISA Fidelity Bond options, limits, eligibility, insurer, underwriting conditions. Accessed 2026-09-28.
  9. Errors and Omissions Insurance – E&O | Zurich Insurance. Zurich U.S.; Pro Plus coverage, targeted classes, policy structure, claims and underwriting. Accessed 2026-09-28.
  10. Cyber Security Insurance and Coverage | Zurich Insurance. Zurich U.S.; Cyber policy types, customer segments, primary/excess, incident response. Accessed 2026-09-28.
  11. Zurich Cyber Insurance Policy. Zurich U.S.; Large/global cyber policy coverage and claims/response resources. Accessed 2026-09-28.
  12. Commercial Umbrella Insurance Coverage | Zurich Insurance. Zurich U.S.; Umbrella and excess coverage forms, crisis expense limit, excess claims-made facility. Accessed 2026-09-28.
  13. Commercial Property Insurance: Building & Business | Zurich. Zurich U.S.; Property forms, customer segments, business interruption, risk engineering, marine. Accessed 2026-09-28.
  14. Insurance for Construction Companies | Zurich Insurance. Zurich U.S.; Builders risk offering; construction customers; construction coverages and risk services. Accessed 2026-09-28.
  15. Vehicle Rental Business Insurance: Car, Motorcycle, Truck, RV | Zurich. Zurich U.S.; Commercial rental fleets, auto liability and physical damage, application and claims. Accessed 2026-09-28.
  16. Surety Bond Company: Construction & Corporate | Zurich. Zurich U.S.; Contract and commercial surety, products, jurisdictions, transaction tools. Accessed 2026-09-28.
  17. 2025 U.S. Small Commercial Insurance Study. J.D. Power; Indexed 2025 ranking PDF URL returned 404 when opened; score table not verified. Accessed 2026-09-28.
  18. 2025 U.S. Small Commercial Insurance Study - JD Power. J.D. Power; 2025 study methodology, sample size and field dates. Accessed 2026-09-28.
  19. U.S. Small Commercial Insurance Study - JD Power. J.D. Power; 2025 and 2026 profiled target brands and publication dates. Accessed 2026-09-28.
  20. Best Insurance Companies for Car Rental Businesses - NerdWallet. NerdWallet; Zurich 4.5/5 business editorial rating; commercial auto rental fleets; complaint analysis. Accessed 2026-09-28.
  21. Zurich Insurance Reviews | Trustpilot. Trustpilot; Global Zurich Insurance profile, TrustScore and review count. Accessed 2026-09-28.
  22. Zurich Property & Casualty Insurance Reviews from Real Customers | ConsumerAffairs. ConsumerAffairs; Zurich P&C profile rating/review count and mixed reviewer topics. Accessed 2026-09-28.
  23. Zurich American Insurance Company | BBB Business Profile. BBB; Business grade, accreditation, Zurich NA description and line list. Accessed 2026-09-28.
  24. Zurich American Insurance Company | BBB Reviews | Better Business Bureau. BBB; Customer Review Ratings and review count. Accessed 2026-09-28.
  25. NAIC Consumer Insurance Search. NAIC; Company/state/line consumer complaint lookup; interactive result did not render. Accessed 2026-09-28.
  26. List of financial strength and issuer credit ratings | Zurich Insurance. Zurich Insurance Group; Current ratings for Zurich American Insurance Company. Accessed 2026-09-28.
  27. AM Best Affirms Credit Ratings of Zurich Insurance Group Ltd and Its Main Rated Subsidiaries. AM Best; September 4, 2026 affirmations for Zurich American Insurance Company. Accessed 2026-09-28.
  28. ERISA Fidelity Bond | Zurich U.S. Insurance. Zurich U.S.; Product-page underwriting jurisdiction caveat; individual North American insurance entities. Accessed 2026-09-28.
  29. Workers’ Compensation Insurance | Zurich Insurance. Zurich U.S.; Medical management, claims reporting and worker benefits. Accessed 2026-09-28.
  30. Commercial Builders Risk Program | Zurich Insurance. Zurich U.S.; Builders Risk - Commercial; direct product overview and FAQ: coverage, appetite, ineligible projects, options, limits, application, geography, admission and program highlights (HTML lines 270–411). Accessed 2026-09-28.
  31. About Us | Zurich U.S. | Commercial Insurance. Zurich U.S.; About Zurich U.S.; customer and industry description; FAQ on U.S. product focus. Accessed 2026-09-28.
  32. About Zurich U.S. | Zurich U.S. Insurance. Zurich U.S.; Opening paragraphs; relationship to Zurich Insurance Group. Accessed 2026-09-28.
  33. Terms of Use from Zurich U.S. | Zurich Insurance. Zurich American Insurance Company / Zurich U.S.; §1 site operator; §5 reproduction rights; §16 Zurich American Insurance Company, NAIC 16535, and provider-published all-state/listed-territory licensing disclosure; §17 member-company list. Accessed 2026-09-29.
  34. Zurich Insurance Group Annual Results 2025. Zurich Insurance Group Ltd; Note 27, Table 27.1, printed p.126: voting rights and ownership interest at 2025-12-31. Accessed 2026-09-28.
  35. Zurich U.S. History. Zurich U.S.; 2026 history page, planned transition wording; completion date not stated. Accessed 2026-09-28.
  36. Agents and Brokers | Zurich U.S. Zurich U.S.; Agent/broker route and locator. Accessed 2026-09-28.
  37. Contact Zurich U.S. Zurich U.S.; Commercial insurance contact routes. Accessed 2026-09-28.
  38. My Zurich customer portal. Zurich U.S.; Existing-policyholder portal functions. Accessed 2026-09-28.
  39. Report a Claim. Zurich U.S.; Claim notice methods and stated acknowledgment workflow. Accessed 2026-09-28.
  40. Customer Care Center. Zurich U.S.; Published customer-care hours and contact. Accessed 2026-09-28.
  41. Zurich Producer Compensation. Zurich U.S. (company-reported); Disclosure updated May 2026: base/contingent arrangements and independently operating program administrator exclusion. Accessed 2026-09-28.

Updated . Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. Editorial policy. To suggest a correction, contact Spot with the page URL and supporting source.

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