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
Zurich U.S. Business Insurance: Products, Access, and Claims
Zurich U.S. serves Middle Market businesses and large or national accounts with commercial property-casualty and specialty insurance. Buyers can explore product lines and work through an agent or broker; the insurer named on a quote or policy identifies which Zurich company underwrites that coverage. 4,5
What Is Cyber Insurance?
Cyber insurance can help pay covered response costs and claims against your business after a cyber incident. If your business relies on data, software or outside providers, compare response limits, vendor outages and approval rules. 7,8
Key Differences in Cyber Insurance
Programs by Company Size and Reach
Zurich describes a Concierge Suite for small and midsize companies and a separate cyber policy for large or global organizations. It also says it can write cyber on primary or excess bases. Simply Business describes cyber as an add-on for select businesses already purchasing another policy. A buyer can ask Zurich which product and layer fit its placement or confirm whether its Simply Business account qualifies for the add-on. 6 3
Incident Assistance
Zurich directs policyholders to claims-reporting and incident-response resources and offers a complimentary onboarding session through Zurich Resilience Solutions. Simply Business describes security-event and privacy-regulation risks that may be covered. Ask Zurich whether onboarding applies to the proposed policy and ask the Simply Business insurer which incident-response contacts and services accompany its offer. 6 3
What the Quote Must Establish
Zurich’s product description distinguishes primary and excess placements, while Simply Business says add-on availability depends on state, insurer and business details. Ask each provider for the issuer, offered layer, limit, retention and binding status on the actual proposal. 6 3 2
What to Confirm in Cyber Insurance Quotes
- Ask Zurich whether the proposed policy is primary or excess, what the attachment point and limit are, and how onboarding and incident-response support are accessed; ask Simply Business who responds after binding. 6 2
- Confirm the Simply Business add-on is available for your business and state, then compare the insurer, exclusions and quote-specific retention with Zurich’s selected program. 2 6
Simply Business and Zurich U.S. 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 reviewsZurich U.S. Review Score
Review Score
No reviews found
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. reviewsSimply Business vs Zurich U.S. Cyber Insurance Compared
Simply Business vs Zurich U.S.: Cyber Insurance: documented features by provider
| Criteria | Cyber liability coverage as an add-on through Simply Business | Zurich Cyber Insurance |
|---|---|---|
| Who It’s For | Simply Business says cyber is available as an added coverage for select businesses purchasing another business policy, with general liability, professional liability and workers’ compensation given as examples. This is not a universal availability promise. 3Company-reported. Company-published cyber information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer. | Zurich offers a Concierge Suite for small/midsize companies and a separate cyber policy for large/global companies. 6Company-reported. Zurich U.S. brand; exact underwriting company may vary by policy and state; commercial cyber insurance; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms. |
| Coverage Features | The cyber page describes security-event and privacy-regulation claim types as risks that may be covered. This is company education; the policy determines coverage, limits, triggers and exclusions. 3Company-reported. Company-published cyber information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer. | Zurich says it can write cyber policies on both primary and excess bases. 6Company-reported. Zurich U.S. brand; exact underwriting company may vary by policy and state; commercial cyber insurance; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms. |
| Risk Services | Confirm in your quote. | Zurich directs policyholders facing a cyber incident to its claims-reporting and incident-response resources, and offers a complimentary onboarding session through Zurich Resilience Solutions. 6Company-reported. Zurich U.S. brand; exact underwriting company may vary by policy and state; commercial cyber insurance; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms. |
| How to Apply | The page lists a phone quote route for cyber and also describes an online quote tool. Its Terms say availability varies by state, insurer and business details and binding requires panel-member approval. 3,2Company-reported. Company-published cyber information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer. | Confirm in your quote. |
Related Pages for Simply Business vs Zurich U.S. Cyber Insurance
Cyber Insurance Pages for Simply Business and Zurich U.S.
Other Coverage Lines Compared for Simply Business vs Zurich U.S.
Other Cyber Insurance Provider Comparisons
Sources for Simply Business vs Zurich U.S. Cyber 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.
- 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.
Sources About Zurich U.S.
- 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.
- Agents and Brokers | Zurich U.S. Zurich U.S.; Agent/broker route and locator. Accessed 2026-09-28.
- Cyber Security Insurance and Coverage | Zurich Insurance. Zurich U.S.; Cyber policy types, customer segments, primary/excess, incident response. Accessed 2026-09-28.
Sources for the Cyber Insurance Guide
- Cyber Insurance. Federal Trade Commission; Opening; First-Party and Third-Party Coverage; First-Party Coverage; Third-Party Coverage; What Should Your Cyber Insurance Policy Cover. Accessed 2026-09-16.
- CyberEdge specimen policy. AIG; General Terms §§4–6, PDF pp.3–6; Security and Privacy §1 p.11, §2(l)/(p) p.14, §3 pp.15–18, exclusions p.18; Event Management §1 and §2(h), PDF pp.19–20. Accessed 2026-09-16.
