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 Inland Marine Insurance?
If your business moves equipment between sites or ships goods, inland marine can cover those property exposures; installation and other forms address different property categories. Match the quote to what you own, rent or hold for others. 8,9
Key Differences in Inland Marine Insurance
Construction property and named programs
Zurich focuses its reviewed inland-marine offering on construction, describing mobile equipment, tools and materials moving to, from and within jobsites, including transit and temporary storage. It names Z-PRIME, a Contractor’s Inland Marine Package and monoline Contractor’s Equipment. Simply Business describes equipment and inventory away from premises without listing these construction programs. Contractors should ask which Zurich option fits each item and whether the alternative quote matches jobsite movement. 6 3
Service and placement route
Zurich describes Risk Engineering and Claims services for construction customers and directs buyers to an agent or broker. Simply Business starts with an online quote and compares insurer offers. Ask who handles a loss and what risk-engineering support comes with the specific Zurich program, then compare that service with the selected Simply Business carrier. 5 2
What to Confirm in Inland Marine 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 reviewsZurich U.S.
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. reviewsOffering Details
Simply Business vs Zurich U.S.: Inland Marine Insurance: documented features by provider
| Criteria | Inland-marine insurance through Simply Business | Zurich Construction Property and Inland Marine |
|---|---|---|
| Role in This Line | Confirm in your quote. | Zurich markets inland marine coverage through its construction property and inland marine offering; its page identifies construction-focused coverage options rather than a general-purpose product for every business. 6Company-reported. Zurich U.S. construction segment marketing. The issuing company for an individual quote must be confirmed in its declarations. |
| Issuing Insurer | Confirm in your quote. | The reviewed construction inland-marine pages do not name the insurer that would issue a particular buyer's policy. 6Not publicly disclosed. Confirm the issuing legal entity and applicable state form in the quote and issued declarations. |
| Who It’s For | The company gives contractors with tools, photographers with cameras and mobile groomers with equipment as examples of potential inland-marine buyers. Those examples do not guarantee eligibility. 3Company-reported. Company-published inland-marine information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer. | Zurich names property and inland marine options for construction customers, including Z-PRIME, a Contractor’s Inland Marine Package, and monoline Contractor’s Equipment. 6Company-reported. Product examples within Zurich's construction practice; they do not establish eligibility for a particular contractor, project, or state. |
| Coverage Features | Simply Business describes inland-marine coverage for equipment and inventory in transit or stored away from the business premises; policy wording controls covered causes, limits and conditions. 3Company-reported. Company-published inland-marine information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer. | Zurich describes construction inland marine as protecting mobile equipment, tools, and materials as they move to, from, and within job sites; the page also discusses transit and temporary storage. 7,6Company-reported. Company-described construction exposures only. Covered property, causes of loss, and any inland-marine extensions depend on the selected program and issued wording. |
| Limits and Retentions | Confirm in your quote. | The reviewed product overview does not set a buyer-specific inland-marine limit, retention, or deductible. 6Not publicly disclosed. The selected construction program, submitted values, quote, and issued wording determine the actual amounts and conditions. |
| Risk Services | Confirm in your quote. | The construction page describes Risk Engineering and Claims services for customers managing construction risks and loss events. 6Company-reported. Company-described services for the construction practice; the page does not state that a specific service is included with every inland-marine placement. |
| How to Apply | The page describes an online quote form and comparison of insurer quotes, with customization discussed as part of the quote process. Availability depends on state, buyer and insurer; the site Terms do not guarantee a quote or binding. 3,2Company-reported. Company-published inland-marine information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer. | Zurich directs commercial buyers to agents or brokers to discuss construction coverage. 5Company-reported. The official broker locator describes a distribution route, not whether a specific project qualifies or a policy will be issued. |
Full Comparison
More Simply Business vs Zurich U.S. Comparisons
Other Inland Marine 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.
- 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.
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.
- Construction Property & Inland Marine Coverages | Zurich Insurance. Zurich U.S.; Construction Property and Inland Marine overview and FAQ: contractor mobile assets, materials in transit/storage, Z-PRIME, Contractor’s Inland Marine Package and Monoline Contractor’s Equipment; Risk Engineering and Claims Services. Construction segment only. Accessed 2026-09-30.
- Commercial Property Insurance: Building & Business | Zurich. Zurich U.S.; Commercial property page and forms; the retained provider source also locates its marine discussion. Used as broad catalogue context; the construction inland-marine page supplies the line-specific product evidence. Accessed 2026-09-28.
Inland Marine Insurance Guide
- Commercial Insurance Guide. California Department of Insurance; Property Insurance; Commercial Property; Inland Marine; Boiler and Machinery. Accessed 2026-09-16.
- Inland Marine Policy: Contractors’ Equipment. Markel American Insurance Company / American Association of Insurance Services; hosted by Florida Department of Management Services; PDF p.8 declarations; attached Contractors’ Equipment printed pp.1–13 (PDF pp.18–30); replacement-cost endorsement PDF p.34. Accessed 2026-09-16.
