--- title: "Simply Business vs Zurich U.S." description: "Compare Simply Business and Zurich U.S. by business role, documented product lines, application route, and policyholder service." canonical: "https://spot.insure/compare/simply-business-vs-zurich" page-type: "provider-comparison" updated-at: "2026-09-30" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/simply-business-vs-zurich) # Simply Business vs Zurich U.S. Compare Simply Business and Zurich U.S. by business role, documented product lines, application route, and policyholder service. ## Before You Quote Ask each provider about eligibility, the issuing insurer, policy wording, limits, retentions, exclusions and costs for your business. ## Highlights 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](https://www.simplybusiness.com/about-us/ "Our Small Business Insurance Story") [2](https://www.simplybusiness.com/terms-conditions/ "Terms of Service") [14](https://www.travelers.com/about-travelers/producer-compensation-disclosure "Producer Compensation Disclosure (United States)") [3](https://www.simplybusiness.com/contact-us/ "Contact Us") [4](https://www.simplybusiness.com/help-center/ "Help Center") [45](https://www.zurichna.com/about "About Us | Zurich U.S. | Commercial Insurance") [46](https://www.zurichna.com/media/about-zurich "About Zurich U.S. | Zurich U.S. Insurance") [50](https://www.zurichna.com/brokers "Agents and Brokers | Zurich U.S.") [51](https://www.zurichna.com/about/contact-us "Contact Zurich U.S.") [52](https://www.zurichna.com/digital-application-suite "My Zurich customer portal") ## Provider Reliability Assessments These sourced assessments are shown for context; this comparison does not select a winner. ### Simply Business Role: Broker. Broker Spot Score: **No Spot Score**. Assessed 2026-09-29; review due 2026-10-29. Excluded factors: Identity and Authority (No numerical score was produced because the overall evidence outcome was conflicting-evidence; excluded factors cannot hide that outcome. Canonical evidence gaps: The relation between Simply Business, Inc. and Simply Business, LLC remains unresolved in reviewed disclosures.; No line/state carrier appointment list, material binding authority evidence, capacity agreement or placement share was reviewed.; The renewal wording conflict remains unresolved; the applicable rule for any particular policy is unknown.; For the all-states-and-D.C. company statement and the other listed state names, the contact page supplies no jurisdiction-specific identifiers or license classes; those details remain unknown.; No state DOI or NIPR producer lookup was run; the CA licence 0M20593 and 'all states' claim are company-reported only.; No carrier-by-state appointment list, and no rating for individual panel carriers, was found.; The Travelers AM Best rating found is for 'Travelers Casualty and Surety Company of America'; the Terms name a differently worded entity, and it is a parent rating, not a broker measure.; UK operations and FCA status were out of scope.); Carrier-Network Strength (No numerical score was produced because the overall evidence outcome was conflicting-evidence; excluded factors cannot hide that outcome. Canonical evidence gaps: The relation between Simply Business, Inc. and Simply Business, LLC remains unresolved in reviewed disclosures.; No line/state carrier appointment list, material binding authority evidence, capacity agreement or placement share was reviewed.; The renewal wording conflict remains unresolved; the applicable rule for any particular policy is unknown.; For the all-states-and-D.C. company statement and the other listed state names, the contact page supplies no jurisdiction-specific identifiers or license classes; those details remain unknown.; No state DOI or NIPR producer lookup was run; the CA licence 0M20593 and 'all states' claim are company-reported only.; No carrier-by-state appointment list, and no rating for individual panel carriers, was found.; The Travelers AM Best rating found is for 'Travelers Casualty and Surety Company of America'; the Terms name a differently worded entity, and it is a parent rating, not a broker measure.; UK operations and FCA status were out of scope.); Regulatory Conduct (No numerical score was produced because the overall evidence outcome was conflicting-evidence; excluded factors cannot hide that outcome. Canonical evidence gaps: The relation between Simply Business, Inc. and Simply Business, LLC remains unresolved in reviewed disclosures.; No line/state carrier appointment list, material binding authority evidence, capacity agreement or placement share was reviewed.; The renewal wording conflict remains unresolved; the applicable rule for any particular policy is unknown.; For the all-states-and-D.C. company statement and the other listed state names, the contact page supplies no jurisdiction-specific identifiers or license classes; those details remain unknown.; No state DOI or NIPR producer lookup was run; the CA licence 0M20593 and 'all states' claim are company-reported only.; No carrier-by-state appointment list, and no rating for individual panel carriers, was found.; The Travelers AM Best rating found is for 'Travelers Casualty and Surety Company of America'; the Terms name a differently worded entity, and it is a parent rating, not a broker measure.; UK operations and FCA status were out of scope.); Disclosure Clarity (No numerical score was produced because the overall evidence outcome was conflicting-evidence; excluded factors cannot hide that outcome. Canonical evidence gaps: The relation between Simply Business, Inc. and Simply Business, LLC remains unresolved in reviewed disclosures.; No line/state carrier appointment list, material binding authority evidence, capacity agreement or placement share was reviewed.; The renewal wording conflict remains unresolved; the applicable rule for any particular policy is unknown.; For the all-states-and-D.C. company statement and the other listed state names, the contact page supplies no jurisdiction-specific identifiers or license classes; those details remain unknown.; No state DOI or NIPR producer lookup was run; the CA licence 0M20593 and 'all states' claim are company-reported only.; No carrier-by-state appointment list, and no rating for individual panel carriers, was found.; The Travelers AM Best rating found is for 'Travelers Casualty and Surety Company of America'; the Terms name a differently worded entity, and it is a parent rating, not a broker measure.; UK operations and FCA status were out of scope.). Read the [full reliability assessment](https://spot.insure/insurance-providers/simply-business/reliability). ### Zurich U.S. Role: Insurance carrier. Carrier & MGA Spot Score: **Not Rated**. Assessed 2026-09-29; review due 2026-10-29. Read the [full reliability assessment](https://spot.insure/insurance-providers/zurich/reliability). ## Simply Business Reviews Review Score: 5.7 / 10 from 4 rated sources, equally weighted. 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. - Trustpilot: TrustScore 4.3 (out of 5); 1901 reviews. Simply Business US Trustpilot profile. Reviews are not tied to a specific insurance line or insurer. Period: profile accessed 2026-09-29; 419 in last 12 months. Checked 2026-09-29. [Simply Business US Reviews](https://www.trustpilot.com/review/simplybusiness.com) - ConsumerAffairs: ConsumerAffairs header rating 1.0 (out of 5 (breakdown conflicts with review filters)); 148 reviews. ConsumerAffairs Simply Business page, broad business-insurance context; not line-specific. Period: page updated 2026-09-17; denominator unresolved. Checked 2026-09-29. [Simply Business Reviews](https://www.consumeraffairs.com/insurance/simply-business.html) - BBB: BBB business grade B+ (BBB letter grade). BBB profile classifies Simply Business as an insurance agency; business grade, consumer-review average and complaint ledger are separate measures, none is line-specific. Period: profile accessed 2026-09-29. Checked 2026-09-29. [Simply Business BBB Business Profile](https://www.bbb.org/us/ma/boston/profile/insurance-agency/simply-business-0021-539591); [Simply Business BBB Complaints](https://www.bbb.org/us/ma/boston/profile/insurance-agency/simply-business-0021-539591/complaints); [Simply Business BBB Customer Reviews](https://www.bbb.org/us/ma/boston/profile/insurance-agency/simply-business-0021-539591/customer-reviews) - BBB: BBB customer review average 1.95 (out of 5); 20 reviews. BBB customer-review average for the Simply Business profile (Boston, MA). Separate from the business grade. Period: BBB review page checked 2026-09-29. Checked 2026-09-29. [Simply Business BBB Customer Reviews](https://www.bbb.org/us/ma/boston/profile/insurance-agency/simply-business-0021-539591/customer-reviews) Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/simply-business/reviews). ## Zurich U.S. Reviews Review Score: not enough ratings. 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. - NerdWallet: editorial rating 4.5 (5). U.S. commercial rental-fleet insurance publisher review; editorial evaluation, not a consumer average or all-line Zurich result. Period: Page updated July 10, 2026. Checked 2026-09-29. [Best Insurance Companies for Car Rental Businesses](https://www.nerdwallet.com/business/insurance/learn/car-rental-business-insurance) - Trustpilot: TrustScore 1.2 (5); 748 reviews. Global Zurich Insurance Group profile; mixed countries and products, not U.S. commercial-policyholder satisfaction. Period: Snapshot 2026-09-29. Checked 2026-09-29. [Zurich Insurance Reviews](https://www.trustpilot.com/review/www.zurich.com) - ConsumerAffairs: customer rating 1.0 (5); 72 reviews. U.S. Zurich North America/Property & Casualty profile; mixed products and customer populations, not line-specific commercial results. Period: Snapshot 2026-09-29. Checked 2026-09-29. [Zurich Property & Casualty Insurance Reviews from Real Customers](https://www.consumeraffairs.com/insurance/zurich-north-america-insurance.html) - BBB: customer review rating 1.14 (5); 116 reviews. Customer-submitted reviews on the Zurich American Insurance Company profile; not a line-specific or representative policyholder survey. Period: Snapshot 2026-09-29. Checked 2026-09-29. [Zurich American Insurance Company Customer Reviews](https://www.bbb.org/us/tx/dallas/profile/insurance-companies/zurich-american-insurance-company-0875-90008903/customer-reviews) Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/zurich/reviews). ## 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](https://www.simplybusiness.com/about-us/ "Our Small Business Insurance Story") [2](https://www.simplybusiness.com/terms-conditions/ "Terms of Service") [14](https://www.travelers.com/about-travelers/producer-compensation-disclosure "Producer Compensation Disclosure (United States)") [3](https://www.simplybusiness.com/contact-us/ "Contact Us") [50](https://www.zurichna.com/brokers "Agents and Brokers | Zurich U.S.") [51](https://www.zurichna.com/about/contact-us "Contact Zurich U.S.") ## Coverage Comparison | Coverage Type | Simply Business | Zurich U.S. | | --- | --- | --- | | [Builders risk](https://spot.insure/coverage/builders-risk) | Not listed | Listed: Zurich markets a Commercial Builders Risk program for construction projects; the project-value language conflicts within Zurich’s own page and requires confirmation. [44](https://www.zurichna.com/insurance/zpm/construction/commercial "Commercial Builders Risk Program | Zurich Insurance") | | [Business owner’s policy](https://spot.insure/coverage/business-owners-policy) | Listed [10](https://www.simplybusiness.com/business-insurance/business-owners-policy-insurance/ "Business Owner’s Policy Insurance") | Not listed | | [Commercial auto](https://spot.insure/coverage/commercial-auto) | Not listed | Listed: Zurich markets commercial auto for rental fleets; the reviewed source does not establish the same terms for all commercial-auto classes. [29](https://www.zurichna.com/insurance/auto-rental "Vehicle Rental Business Insurance: Car, Motorcycle, Truck, RV | Zurich") | | [Commercial property](https://spot.insure/coverage/commercial-property) | Listed: Offered as part of a BOP, rather than as a standalone policy. [11](https://www.simplybusiness.com/business-insurance/business-owners-policy-insurance/commercial-property-insurance/ "Commercial Property Insurance") [10](https://www.simplybusiness.com/business-insurance/business-owners-policy-insurance/ "Business Owner’s Policy Insurance") | Listed: Zurich markets commercial property insurance. [27](https://www.zurichna.com/insurance/commercial-property "Commercial Property Insurance: Building & Business | Zurich") | | [Crime](https://spot.insure/coverage/crime) | Not listed | Listed: Zurich markets commercial crime insurance as standalone policies and as package solutions; package structure is distinct from any specific policy terms. [21](https://www.zurichna.com/insurance/management-liability/crime-insurance "Commercial Crime & Fidelity Insurance Coverage | Zurich U.S.") | | [Cyber liability](https://spot.insure/coverage/cyber) | Listed: Add-on for select buyers purchasing another business policy; phone quote route. [13](https://www.simplybusiness.com/business-insurance/cyber-liability-insurance/ "Cyber Insurance") | Listed: Zurich markets cyber insurance for businesses; cover and policy form depend on the selected product. [24](https://www.zurichna.com/insurance/cyber "Cyber Security Insurance and Coverage | Zurich Insurance") | | [Directors and officers](https://spot.insure/coverage/directors-officers) | Not listed | Listed: Zurich markets directors and officers liability insurance. [17](https://www.zurichna.com/insurance/management-liability "Management Liability Insurance | Zurich U.S.") | | [Employment practices liability](https://spot.insure/coverage/employment-practices) | Not listed | Listed: Zurich markets Employment Practices Liability Insurance (EPLI). [19](https://www.zurichna.com/insurance/management-liability/employment-practices-liability-insurance "Employment Practices Liability Insurance (EPLI) | Zurich U.S.") | | [Fidelity bonds](https://spot.insure/coverage/fidelity-bonds) | Not listed | Listed: Zurich markets ERISA fidelity bond options; this product page identifies Zurich American Insurance Company as underwriter and states approved-state availability. [22](https://www.zurichna.com/insurance/management-liability/erisa-fidelity-bond "ERISA Fidelity Bond | Zurich U.S. Insurance") | | [Fiduciary liability](https://spot.insure/coverage/fiduciary) | Not listed | Listed: Zurich markets fiduciary liability insurance. [17](https://www.zurichna.com/insurance/management-liability "Management Liability Insurance | Zurich U.S.") | | [General liability](https://spot.insure/coverage/general-liability) | Listed [7](https://www.simplybusiness.com/business-insurance/general-liability-insurance/ "General Liability Insurance for a Small Business") | Listed: Zurich’s U.S. catalogue describes commercial general liability protection for business bodily injury, property damage and personal injury claims. [16](https://www.zurichna.com/insurance/casualty "Commercial Casualty Insurance | Zurich Insurance") [15](https://www.zurichna.com/insurance "Business insurance for public & private companies | Zurich") | | [Management liability](https://spot.insure/coverage/management-liability) | Not listed | Listed: Zurich markets a management liability portfolio with multiple distinct lines. [17](https://www.zurichna.com/insurance/management-liability "Management Liability Insurance | Zurich U.S.") | | [Professional errors and omissions (E&O)](https://spot.insure/coverage/professional-errors-omissions) | Listed [9](https://www.simplybusiness.com/business-insurance/professional-liability-insurance/ "Professional Liability Insurance Coverage") | Listed: Zurich markets professional errors and omissions insurance. [23](https://www.zurichna.com/insurance/errors-and-omissions "Errors and Omissions Insurance – E&O | Zurich Insurance") | | [Surety bonds](https://spot.insure/coverage/surety-bonds) | Not listed | Listed: Zurich markets construction and corporate surety bonds. [30](https://www.zurichna.com/insurance/surety "Surety Bond Company: Construction & Corporate | Zurich") | | [Technology errors and omissions (E&O)](https://spot.insure/coverage/technology-errors-omissions) | Not listed | Listed: Zurich markets technology errors and omissions insurance. [23](https://www.zurichna.com/insurance/errors-and-omissions "Errors and Omissions Insurance – E&O | Zurich Insurance") | | [Tools, equipment and inland marine](https://spot.insure/coverage/inland-marine) | Listed [12](https://www.simplybusiness.com/business-insurance/inland-marine-insurance/ "Inland Marine Insurance") | Listed: Zurich’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. [27](https://www.zurichna.com/insurance/commercial-property "Commercial Property Insurance: Building & Business | Zurich") | | [Umbrella and excess liability](https://spot.insure/coverage/umbrella-excess) | Not listed | Listed: Zurich markets commercial umbrella and excess liability insurance; the cited facility is not a universal Zurich limit. [26](https://www.zurichna.com/insurance/umbrella "Commercial Umbrella Insurance Coverage | Zurich Insurance") | | [Workers’ compensation](https://spot.insure/coverage/workers-compensation) | Listed [8](https://www.simplybusiness.com/business-insurance/workers-compensation-insurance/ "Workers’ Compensation Insurance for Small Business") | Listed: Zurich markets workers’ compensation insurance. [43](https://www.zurichna.com/insurance/workers-compensation "Workers’ Compensation Insurance | Zurich 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. ## Optional Spot Service Handoff Spot can help prepare applications, coordinate brokers, and compare proposals. If that work is needed, collect the company's task, known deadline, current broker, and open questions for a [free consultation](https://spot.insure/pricing.md). The company decides what to buy; Spot does not automatically bind coverage. ## 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](https://www.simplybusiness.com/about-us/ "Our Small Business Insurance Story") [2](https://www.simplybusiness.com/terms-conditions/ "Terms of Service") [14](https://www.travelers.com/about-travelers/producer-compensation-disclosure "Producer Compensation Disclosure (United States)") [3](https://www.simplybusiness.com/contact-us/ "Contact Us") [45](https://www.zurichna.com/about "About Us | Zurich U.S. | Commercial Insurance") [46](https://www.zurichna.com/media/about-zurich "About Zurich U.S. | Zurich U.S. Insurance") [50](https://www.zurichna.com/brokers "Agents and Brokers | Zurich U.S.") [51](https://www.zurichna.com/about/contact-us "Contact Zurich U.S.") 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](https://www.simplybusiness.com/contact-us/ "Contact Us") [2](https://www.simplybusiness.com/terms-conditions/ "Terms of Service") [50](https://www.zurichna.com/brokers "Agents and Brokers | Zurich U.S.") [51](https://www.zurichna.com/about/contact-us "Contact Zurich U.S.") 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](https://www.simplybusiness.com/about-us/ "Our Small Business Insurance Story") [6](https://www.simplybusiness.com/business-insurance/ "Business Insurance for Small Businesses") [2](https://www.simplybusiness.com/terms-conditions/ "Terms of Service") [45](https://www.zurichna.com/about "About Us | Zurich U.S. | Commercial Insurance") [50](https://www.zurichna.com/brokers "Agents and Brokers | Zurich U.S.") ## 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](https://www.simplybusiness.com/business-insurance/business-owners-policy-insurance/ "Business Owner’s Policy Insurance") [13](https://www.simplybusiness.com/business-insurance/cyber-liability-insurance/ "Cyber Insurance") [11](https://www.simplybusiness.com/business-insurance/business-owners-policy-insurance/commercial-property-insurance/ "Commercial Property Insurance") [7](https://www.simplybusiness.com/business-insurance/general-liability-insurance/ "General Liability Insurance for a Small Business") [16](https://www.zurichna.com/insurance/casualty "Commercial Casualty Insurance | Zurich Insurance") [17](https://www.zurichna.com/insurance/management-liability "Management Liability Insurance | Zurich U.S.") [23](https://www.zurichna.com/insurance/errors-and-omissions "Errors and Omissions Insurance – E&O | Zurich Insurance") [24](https://www.zurichna.com/insurance/cyber "Cyber Security Insurance and Coverage | Zurich Insurance") [27](https://www.zurichna.com/insurance/commercial-property "Commercial Property Insurance: Building & Business | Zurich") ## 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](https://www.simplybusiness.com/contact-us/ "Contact Us") [4](https://www.simplybusiness.com/help-center/ "Help Center") [2](https://www.simplybusiness.com/terms-conditions/ "Terms of Service") [52](https://www.zurichna.com/digital-application-suite "My Zurich customer portal") ## 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](https://www.simplybusiness.com/contact-us/ "Contact Us") [2](https://www.simplybusiness.com/terms-conditions/ "Terms of Service") [50](https://www.zurichna.com/brokers "Agents and Brokers | Zurich U.S.") [51](https://www.zurichna.com/about/contact-us "Contact Zurich U.S.") [52](https://www.zurichna.com/digital-application-suite "My Zurich customer portal") [55](https://www.zurichna.com/producercompensation "Zurich Producer Compensation") ## Compare Services What each provider documents about the services you may need. | Criteria | Simply Business | Zurich 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](https://www.simplybusiness.com/about-us/ "Our Small Business Insurance Story") [2](https://www.simplybusiness.com/terms-conditions/ "Terms of Service") [14](https://www.travelers.com/about-travelers/producer-compensation-disclosure "Producer Compensation Disclosure (United States)") [3](https://www.simplybusiness.com/contact-us/ "Contact Us") (Evidence: Company-reported; scope: 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.; verified: 2026-09-29.) | Zurich U.S. describes its business as commercial property-casualty and specialty insurance solutions and services within Zurich Insurance Group. [45](https://www.zurichna.com/about "About Us | Zurich U.S. | Commercial Insurance") [46](https://www.zurichna.com/media/about-zurich "About Zurich U.S. | Zurich U.S. Insurance") (Evidence: Company-reported; scope: Zurich U.S. operating brand; U.S. business; company description, not legal-entity or insurer attribution for an individual policy.; verified: 2026-09-29.)

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. [49](https://www.zurichna.com/about/history "Zurich U.S. History") (Evidence: Company-reported; scope: Brand naming only. No Zurich North America alias added pending clear evidence of completion.; verified: 2026-09-29.) | | 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](https://www.simplybusiness.com/about-us/ "Our Small Business Insurance Story") [6](https://www.simplybusiness.com/business-insurance/ "Business Insurance for Small Businesses") [2](https://www.simplybusiness.com/terms-conditions/ "Terms of Service") (Evidence: Company-reported; scope: Company-described U.S. audience; eligibility varies by insurer, state and business details.; verified: 2026-09-29.) | Zurich U.S. describes serving Middle Market businesses and large or national accounts across industries including automotive, agriculture, construction, manufacturing and technology. [45](https://www.zurichna.com/about "About Us | Zurich U.S. | Commercial Insurance") [50](https://www.zurichna.com/brokers "Agents and Brokers | Zurich U.S.") (Evidence: Company-reported; scope: Company-reported U.S. customer positioning; examples do not establish that a specific risk is eligible.; verified: 2026-09-29.) | | 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](https://www.simplybusiness.com/contact-us/ "Contact Us") [2](https://www.simplybusiness.com/terms-conditions/ "Terms of Service") (Evidence: Company-reported; scope: Published U.S. quote and service channels. Binding depends on panel-member approval and the individual offer.; verified: 2026-09-29.) | 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](https://www.zurichna.com/brokers "Agents and Brokers | Zurich U.S.") [51](https://www.zurichna.com/about/contact-us "Contact Zurich U.S.") (Evidence: Company-reported; scope: Zurich U.S. commercial customer route; reviewed agent/contact pages; not a conclusion that direct placement is unavailable in every program.; verified: 2026-09-29.) | | 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. [3](https://www.simplybusiness.com/contact-us/ "Contact Us") (Evidence: Company-reported; scope: Hours displayed on the current U.S. contact page; no actual wait-time observation is implied.; verified: 2026-09-29.)

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](https://www.simplybusiness.com/contact-us/ "Contact Us") [4](https://www.simplybusiness.com/help-center/ "Help Center") [2](https://www.simplybusiness.com/terms-conditions/ "Terms of Service") (Evidence: Company-reported; scope: Company-described post-purchase service paths; available tasks may depend on policy and insurer.; verified: 2026-09-29.)

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](https://www.simplybusiness.com/help-center/ "Help Center") [2](https://www.simplybusiness.com/terms-conditions/ "Terms of Service") (Evidence: Conflicting sources; scope: Company-published descriptions reviewed 2026-09-29. FAQ detail, Help Center summary and Terms are inconsistent; no buyer-specific policy notice was reviewed.; verified: 2026-09-29.) | 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. [52](https://www.zurichna.com/digital-application-suite "My Zurich customer portal") (Evidence: Company-reported; scope: Company-described My Zurich functions for existing policyholders; renewal details were not found in these reviewed pages.; verified: 2026-09-29.) | ## Related Reading - [Simply Business: Online Small-Business Insurance Marketplace](https://spot.insure/insurance-providers/simply-business) - [Zurich U.S. Business Insurance: Products, Access, and Claims](https://spot.insure/insurance-providers/zurich) ## Related Comparisons - [AIG vs Simply Business](https://spot.insure/compare/aig-vs-simply-business) - [AIG vs Zurich U.S.](https://spot.insure/compare/aig-vs-zurich) - [Alliance Risk vs Simply Business](https://spot.insure/compare/alliance-risk-vs-simply-business) - [Alliance Risk vs Zurich U.S.](https://spot.insure/compare/alliance-risk-vs-zurich) - [Amelia Risk vs Simply Business](https://spot.insure/compare/amelia-risk-vs-simply-business) - [Amelia Risk vs Zurich U.S.](https://spot.insure/compare/amelia-risk-vs-zurich) - [Aon vs Simply Business](https://spot.insure/compare/aon-vs-simply-business) - [Aon vs Zurich U.S.](https://spot.insure/compare/aon-vs-zurich) - [Armilla vs Simply Business](https://spot.insure/compare/armilla-vs-simply-business) - [Armilla vs Zurich U.S.](https://spot.insure/compare/armilla-vs-zurich) - [At-Bay vs Simply Business](https://spot.insure/compare/at-bay-vs-simply-business) - [At-Bay vs Zurich U.S.](https://spot.insure/compare/at-bay-vs-zurich) - [The Baldwin Group vs Simply Business](https://spot.insure/compare/baldwin-vs-simply-business) - [The Baldwin Group vs Zurich U.S.](https://spot.insure/compare/baldwin-vs-zurich) - [Beazley vs Simply Business](https://spot.insure/compare/beazley-vs-simply-business) - [Beazley vs Zurich U.S.](https://spot.insure/compare/beazley-vs-zurich) - [Berkshire Hathaway Specialty Insurance vs Simply Business](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-simply-business) - [Berkshire Hathaway Specialty Insurance vs Zurich U.S.](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-zurich) - [biBerk vs Simply Business](https://spot.insure/compare/biberk-vs-simply-business) - [biBerk vs Zurich U.S.](https://spot.insure/compare/biberk-vs-zurich) - [CFC vs Simply Business](https://spot.insure/compare/cfc-vs-simply-business) - [CFC vs Zurich U.S.](https://spot.insure/compare/cfc-vs-zurich) - [Chubb vs Simply Business](https://spot.insure/compare/chubb-vs-simply-business) - [Chubb vs Zurich U.S.](https://spot.insure/compare/chubb-vs-zurich) - [CNA vs Simply Business](https://spot.insure/compare/cna-vs-simply-business) - [CNA vs Zurich U.S.](https://spot.insure/compare/cna-vs-zurich) - [Coalition vs Simply Business](https://spot.insure/compare/coalition-vs-simply-business) - [Coalition vs Zurich U.S.](https://spot.insure/compare/coalition-vs-zurich) - [Corgi vs Simply Business](https://spot.insure/compare/corgi-vs-simply-business) - [Corgi vs Zurich U.S.](https://spot.insure/compare/corgi-vs-zurich) - [Coterie Insurance vs Simply Business](https://spot.insure/compare/coterie-vs-simply-business) - [Coterie Insurance vs Zurich U.S.](https://spot.insure/compare/coterie-vs-zurich) - [Counterpart vs Simply Business](https://spot.insure/compare/counterpart-vs-simply-business) - [Counterpart vs Zurich U.S.](https://spot.insure/compare/counterpart-vs-zurich) - [Coverdash vs Simply Business](https://spot.insure/compare/coverdash-vs-simply-business) - [Coverdash vs Zurich U.S.](https://spot.insure/compare/coverdash-vs-zurich) - [Cowbell vs Simply Business](https://spot.insure/compare/cowbell-vs-simply-business) - [Cowbell vs Zurich U.S.](https://spot.insure/compare/cowbell-vs-zurich) - [Embroker vs Simply Business](https://spot.insure/compare/embroker-vs-simply-business) - [Embroker vs Zurich U.S.](https://spot.insure/compare/embroker-vs-zurich) ## Sources ### [Simply Business Official Website](https://www.simplybusiness.com/) 1. [Our Small Business Insurance Story](https://www.simplybusiness.com/about-us/). Simply Business; Opening description and audience; digital marketplace, business types and U.S. service. Accessed 2026-09-29. 2. [Terms of Service](https://www.simplybusiness.com/terms-conditions/). 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](https://www.simplybusiness.com/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](https://www.simplybusiness.com/help-center/). Simply Business; Claims, account servicing, agent-routed changes, renewal FAQ and Common Topics. Accessed 2026-09-29. 5. [How Simply Business Works](https://www.simplybusiness.com/about-us/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](https://www.simplybusiness.com/business-insurance/). Simply Business; Small Business Insurance Coverage Options and policy links. Accessed 2026-09-29. 7. [General Liability Insurance for a Small Business](https://www.simplybusiness.com/business-insurance/general-liability-insurance/). 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](https://www.simplybusiness.com/business-insurance/workers-compensation-insurance/). Simply Business; Coverage and benefits lines 45–69; state/buyer qualifications lines 178–189. Accessed 2026-09-29. 9. [Professional Liability Insurance Coverage](https://www.simplybusiness.com/business-insurance/professional-liability-insurance/). 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](https://www.simplybusiness.com/business-insurance/business-owners-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](https://www.simplybusiness.com/business-insurance/business-owners-policy-insurance/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](https://www.simplybusiness.com/business-insurance/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](https://www.simplybusiness.com/business-insurance/cyber-liability-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)](https://www.travelers.com/about-travelers/producer-compensation-disclosure). 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](https://www.zurichna.com/) 15. [Business insurance for public & private companies | Zurich](https://www.zurichna.com/insurance). Zurich U.S.; Zurich U.S. commercial coverage catalogue; line navigation and product links. Accessed 2026-09-28. 16. [Commercial Casualty Insurance | Zurich Insurance](https://www.zurichna.com/insurance/casualty). 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. 17. [Management Liability Insurance | Zurich U.S.](https://www.zurichna.com/insurance/management-liability) Zurich U.S.; Management liability, D&O, crime, fiduciary, EPLI. Accessed 2026-09-28. 18. [Directors and Officers Liability Insurance (D&O) | Zurich U.S.](https://www.zurichna.com/insurance/management-liability/directors-and-officers-liability-insurance) Zurich U.S.; D&O coverage, target companies, claims team. Accessed 2026-09-28. 19. [Employment Practices Liability Insurance (EPLI) | Zurich U.S.](https://www.zurichna.com/insurance/management-liability/employment-practices-liability-insurance) Zurich U.S.; EPLI protection, coverage features, risk services. Accessed 2026-09-28. 20. [Fiduciary Liability Insurance | Zurich U.S.](https://www.zurichna.com/insurance/management-liability/fiduciary-liability-insurance) Zurich U.S.; Fiduciary products, exposures, customers, services. Accessed 2026-09-28. 21. [Commercial Crime & Fidelity Insurance Coverage | Zurich U.S.](https://www.zurichna.com/insurance/management-liability/crime-insurance) Zurich U.S.; Crime product, standalone/package availability, loss examples, risk assessment services. Accessed 2026-09-28. 22. [ERISA Fidelity Bond | Zurich U.S. Insurance](https://www.zurichna.com/insurance/management-liability/erisa-fidelity-bond). Zurich U.S.; ERISA Fidelity Bond options, limits, eligibility, insurer, underwriting conditions. Accessed 2026-09-28. 23. [Errors and Omissions Insurance – E&O | Zurich Insurance](https://www.zurichna.com/insurance/errors-and-omissions). Zurich U.S.; Pro Plus coverage, targeted classes, policy structure, claims and underwriting. Accessed 2026-09-28. 24. [Cyber Security Insurance and Coverage | Zurich Insurance](https://www.zurichna.com/insurance/cyber). Zurich U.S.; Cyber policy types, customer segments, primary/excess, incident response. Accessed 2026-09-28. 25. [Zurich Cyber Insurance Policy](https://www.zurichna.com/insurance/cyber/policy). Zurich U.S.; Large/global cyber policy coverage and claims/response resources. Accessed 2026-09-28. 26. [Commercial Umbrella Insurance Coverage | Zurich Insurance](https://www.zurichna.com/insurance/umbrella). Zurich U.S.; Umbrella and excess coverage forms, crisis expense limit, excess claims-made facility. Accessed 2026-09-28. 27. [Commercial Property Insurance: Building & Business | Zurich](https://www.zurichna.com/insurance/commercial-property). Zurich U.S.; Property forms, customer segments, business interruption, risk engineering, marine. Accessed 2026-09-28. 28. [Insurance for Construction Companies | Zurich Insurance](https://www.zurichna.com/industries/construction). Zurich U.S.; Builders risk offering; construction customers; construction coverages and risk services. Accessed 2026-09-28. 29. [Vehicle Rental Business Insurance: Car, Motorcycle, Truck, RV | Zurich](https://www.zurichna.com/insurance/auto-rental). Zurich U.S.; Commercial rental fleets, auto liability and physical damage, application and claims. Accessed 2026-09-28. 30. [Surety Bond Company: Construction & Corporate | Zurich](https://www.zurichna.com/insurance/surety). Zurich U.S.; Contract and commercial surety, products, jurisdictions, transaction tools. Accessed 2026-09-28. 31. [2025 U.S. Small Commercial Insurance Study](https://www.jdpower.com/sites/default/files/file/2025-08/2025092%20U.S.%20Small%20Commercial%20Insurance%20Study.pdf). J.D. Power; Indexed 2025 ranking PDF URL returned 404 when opened; score table not verified. Accessed 2026-09-28. 32. [2025 U.S. Small Commercial Insurance Study - JD Power](https://www.jdpower.com/business/press-releases/2025-us-small-commercial-insurance-study). J.D. Power; 2025 study methodology, sample size and field dates. Accessed 2026-09-28. 33. [U.S. Small Commercial Insurance Study - JD Power](https://www.jdpower.com/business/u-s-small-commercial-insurance-study/). J.D. Power; 2025 and 2026 profiled target brands and publication dates. Accessed 2026-09-28. 34. [Best Insurance Companies for Car Rental Businesses - NerdWallet](https://www.nerdwallet.com/business/insurance/learn/car-rental-business-insurance). NerdWallet; Zurich 4.5/5 business editorial rating; commercial auto rental fleets; complaint analysis. Accessed 2026-09-28. 35. [Zurich Insurance Reviews | Trustpilot](https://www.trustpilot.com/review/www.zurich.com). Trustpilot; Global Zurich Insurance profile, TrustScore and review count. Accessed 2026-09-28. 36. [Zurich Property & Casualty Insurance Reviews from Real Customers | ConsumerAffairs](https://www.consumeraffairs.com/insurance/zurich-north-america-insurance.html). ConsumerAffairs; Zurich P&C profile rating/review count and mixed reviewer topics. Accessed 2026-09-28. 37. [Zurich American Insurance Company | BBB Business Profile](https://www.bbb.org/us/tx/dallas/profile/insurance-companies/zurich-american-insurance-company-0875-90008903). BBB; Business grade, accreditation, Zurich NA description and line list. Accessed 2026-09-28. 38. [Zurich American Insurance Company | BBB Reviews | Better Business Bureau](https://www.bbb.org/us/tx/dallas/profile/insurance-companies/zurich-american-insurance-company-0875-90008903/customer-reviews). BBB; Customer Review Ratings and review count. Accessed 2026-09-28. 39. [NAIC Consumer Insurance Search](https://content.naic.org/consumer/insurance-company-search). NAIC; Company/state/line consumer complaint lookup; interactive result did not render. Accessed 2026-09-28. 40. [List of financial strength and issuer credit ratings | Zurich Insurance](https://www.zurich.com/investor-relations/ratings). Zurich Insurance Group; Current ratings for Zurich American Insurance Company. Accessed 2026-09-28. 41. [AM Best Affirms Credit Ratings of Zurich Insurance Group Ltd and Its Main Rated Subsidiaries](https://news.ambest.com/pr/PressContent.aspx?altsrc=2&refnum=37747). AM Best; September 4, 2026 affirmations for Zurich American Insurance Company. Accessed 2026-09-28. 42. [ERISA Fidelity Bond | Zurich U.S. Insurance](https://www.zurichna.com/insurance/management-liability/erisa-fidelity-bond). Zurich U.S.; Product-page underwriting jurisdiction caveat; individual North American insurance entities. Accessed 2026-09-28. 43. [Workers’ Compensation Insurance | Zurich Insurance](https://www.zurichna.com/insurance/workers-compensation). Zurich U.S.; Medical management, claims reporting and worker benefits. Accessed 2026-09-28. 44. [Commercial Builders Risk Program | Zurich Insurance](https://www.zurichna.com/insurance/zpm/construction/commercial). 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. 45. [About Us | Zurich U.S. | Commercial Insurance](https://www.zurichna.com/about). Zurich U.S.; About Zurich U.S.; customer and industry description; FAQ on U.S. product focus. Accessed 2026-09-28. 46. [About Zurich U.S. | Zurich U.S. Insurance](https://www.zurichna.com/media/about-zurich). Zurich U.S.; Opening paragraphs; relationship to Zurich Insurance Group. Accessed 2026-09-28. 47. [Terms of Use from Zurich U.S. | Zurich Insurance](https://www.zurichna.com/services/terms-of-use). 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. 48. [Zurich Insurance Group Annual Results 2025](https://www.zurich.com/-/media-assets/project/zurich/dotcom/investor-relations/docs/results/2025/q4/consolidated-financial-statements-annual-results-2025.pdf). 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. 49. [Zurich U.S. History](https://www.zurichna.com/about/history). Zurich U.S.; 2026 history page, planned transition wording; completion date not stated. Accessed 2026-09-28. 50. [Agents and Brokers | Zurich U.S.](https://www.zurichna.com/brokers) Zurich U.S.; Agent/broker route and locator. Accessed 2026-09-28. 51. [Contact Zurich U.S.](https://www.zurichna.com/about/contact-us) Zurich U.S.; Commercial insurance contact routes. Accessed 2026-09-28. 52. [My Zurich customer portal](https://www.zurichna.com/digital-application-suite). Zurich U.S.; Existing-policyholder portal functions. Accessed 2026-09-28. 53. [Report a Claim](https://www.zurichna.com/claims/report-a-claim). Zurich U.S.; Claim notice methods and stated acknowledgment workflow. Accessed 2026-09-28. 54. [Customer Care Center](https://www.zurichna.com/about/contact-us/customer-care-center). Zurich U.S.; Published customer-care hours and contact. Accessed 2026-09-28. 55. [Zurich Producer Compensation](https://www.zurichna.com/producercompensation). Zurich U.S. (company-reported); Disclosure updated May 2026: base/contingent arrangements and independently operating program administrator exclusion. Accessed 2026-09-28. Updated 2026-09-30. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source. ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/simply-business-vs-zurich.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)