Simply Business: Small Business Insurance Reimagined

Simply Business is dedicated to making small business insurance simple and accessible. SB provides a wide range of products including General Liability, Professional Liability, Business Owners Policy, Inland Marine, and Cyber Insurance.

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General Liability

Coverage details:

CG 20 37 (Optional)
Blanket AI (Optional)
Contractors’ Errors & Omissions (Optional)
Miscellaneous Professional Liability (Optional)
Medical Payments (Included)
TRIA, Waiver of Subrogation, and Primary Non Contributory (Optional)

Deductible Options:

$0, $250, $1,000 (state and trade dependent)

Limit Options:

100K/300K, 250K/500K, 300K/600K, 500K/1M, 1M/2M, 2M/2M, 2M/3M (state and trade dependent)

Available in all states, plus DC

Professional Liability

Coverage details:

Available for Professionals, Freelance & Personal/ Business Services, Real Estate & Property Management as well as Health & Wellbeing Classes
MPL available via endorsement
Both defense within limits and defense outside limits available (trade dependent)

Deductible Options:

$0-$10,000 (state and trade dependent)

Limit Options:

$25K, $100K, $250K, $500K, $1M, $2M (state and trade dependent)

Available in all states, plus DC

Business Owner's Policy

Coverage details:

Property:

Actual Loss Sustained Business Income
Up to $250,000 Business Personal Property

General Liability:

$5,000 Medical Expense Limit
$50,000 Damage to Rented Premises Limit

Deductible Options:

$500 (for property coverage only)

Limit Options:

$1M / $2M

Exclusions:

Building coverage & Liquor Liability not available at
this time

Available in all states except FL, WA, and NY

Cyber Liability

Must be cross-sold with another product, not available as a standalone policy

$250,000 aggregate limit of liability
$250 flat premium (non-refundable)

Inland Marine

Coverage details:

Available for Contractors, Business Services Classes, Photographers/Videographers, and Disc Jockeys

Deductible Options:

$250, $500

Limit Options:

Contractors Equipment limits range from $2,500 to $50k
Small Tools and Equipment limits range from $1k to $10k
Business services - $5k-$50k limits for BPP + Computer Hardware/Software (separate coverages)