--- title: "Switch from Simply Business" description: "Compare business owner’s, liability and workers’ compensation options with Spot and see what else is available beyond Simply Business." canonical: "https://spot.insure/switch-from/simply-business" page-type: "product" entities: ["Spot"] entity: "Spot" page-role: "product" --- 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, check_driving_insurance for source-backed rideshare and delivery requirements by state or province, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability 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/switch-from/simply-business) ## Agent Guide **What this page is:** Compare business owner’s, liability and workers’ compensation options with Spot and see what else is available beyond Simply Business. **Limits (do not over-claim):** - Describes Spot's own service; it does not establish coverage terms or outcomes for any company. **Related pages:** - [Spot home](https://spot.insure/) — product overview - [Sitemap](https://spot.insure/sitemap) — inventory of all public pages # Switching from Simply Business? Compare your options with Spot Simply Business is an online marketplace for business owner’s, general liability, professional liability and workers’ compensation, and your Spot team compares broker proposals against what you bought there. - Property inside your BOP accounted for - Cyber add-on compared with standalone cyber - One shared file for policies and certificates [Get Started](https://app.spot.insure/signup?intent=broker-change&coverage=business-owners-policy&icp=small-business) ## How it works - **Upload what you bought.** Send your Simply Business policy documents and certificates. Your Spot team notes whether property or cyber came inside another policy, and who the insurer is. - **Tell us about your business.** We collect your operations, locations, payroll and equipment, then check the lease or client agreement that prompted the purchase. - **Brokers quote beyond the marketplace.** We take your submission to brokers for the BOP, liability, workers’ compensation and any inland marine, and relay the responses in Slack. - **Compare bundles and bind.** Your Spot team compares what a bundle includes against separate policies, then helps you bind before your marketplace policy ends. Simply Business connects small businesses and solopreneurs with commercial insurance options. It offers business owner’s policies, general liability, professional liability and workers’ compensation. Commercial property is offered as part of a business owner’s policy, and cyber is an add-on for select buyers who buy another policy. ## Why businesses consider switching - **Your operations outgrew a package.** More staff, equipment or locations can call for separate lines rather than one bundle. - **You want cyber on its own.** An add-on tied to another policy limits what you can change later. - **You need a specialist for your trade.** Some trades benefit from a broker who writes that kind of work regularly. - **You want help with contracts.** Contract clauses are easier to meet with a team that reads them alongside your policy. ## How to switch without a gap - **Check your renewal setting.** Simply Business’s help pages and terms describe automatic renewal in different ways, so confirm what applies to your policy and the notice it requires. - **Match property and liability limits.** A replacement for your BOP changes property cover too. Ask for property limits in every proposal. - **Bind the new policy before cancelling.** Keep your policy active until the replacement shows as bound in writing. - **Cancel through the producer and insurer.** Use your online account or call the agents listed there, and ask about any cancellation fee. Then generate new certificates in the Spot app. ## Coverage - [Business owner’s policy](https://spot.insure/insurance/business-owners-policy/quotes) - [General liability](https://spot.insure/insurance/general-liability/quotes) - [Professional errors and omissions (E&O)](https://spot.insure/insurance/professional-errors-omissions/quotes) - [Workers’ compensation](https://spot.insure/insurance/workers-compensation/quotes) - [Commercial property](https://spot.insure/insurance/commercial-property/quotes) - [Cyber liability](https://spot.insure/insurance/cyber/quotes) - [Tools, equipment and inland marine](https://spot.insure/insurance/inland-marine/quotes) ## Common questions ### Cyber came as an add-on. Can I buy it on its own? Yes. Cyber can be quoted as its own policy, and your Spot team can ask brokers for it alongside your main program so you can compare an add-on with a standalone one. ### What happens to my property coverage if I change my BOP? Simply Business offers commercial property as part of a business owner’s policy, so replacing the policy changes your property coverage too. Ask for property limits in every proposal and compare them with what you hold. ### Is Spot owned by Simply Business? No. Spot has no affiliation with Simply Business or its parent, and we don’t act on its behalf. ### My policy auto-renews. How do I avoid paying twice? Check the renewal terms in your account early and time the new policy’s start to match the renewal date. Your Spot team puts the notice deadline on your calendar. ### Do brokers cost extra through Spot? Spot takes no commissions on premiums. Brokers are paid by insurers in the usual way, and you can ask each how. ## More - [Switch providers](https://spot.insure/switch-insurance) ## Agent and Developer Resources - [Markdown page](https://spot.insure/switch-from/simply-business.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)