Insureon vs Simply Business: which is better for a new business? (2026)
7.4/10
Insureon
From $45/mo
Choose Insureon if: Owners comparing carriers who want a licensed agent's help
Skip it if: You want published starting prices, a mobile app, or weekend phone help.
Visit Insureon6.7/10
Simply Business
From $21/mo
Choose Simply Business if: Solo owners comparing basic liability quotes online
Skip it if: You need Spanish help, commercial auto, cyber coverage, or a mobile app.
Visit Simply BusinessQuick verdict
| Higher OwnerUnlocked score | Insureon (7.4 vs 6.7) |
|---|---|
| Lower starting price | Simply Business (From $45/mo vs From $21/mo) |
| Better public ratings | Insureon (4.6 vs 4.2 / 5) |
| More Spanish help | Insureon (Spanish support vs English only) |
Side by side
| Best for | Owners comparing carriers who want a licensed agent's help | Solo owners comparing basic liability quotes online |
|---|---|---|
| Skip if | You want published starting prices, a mobile app, or weekend phone help. | You need Spanish help, commercial auto, cyber coverage, or a mobile app. |
| Free plan or trial | No | No |
| Spanish | Spanish support | English only |
| Support | Phone, text, email M-F 8am-8pm CT | Phone and email; sales M-F 8am-8pm ET, service M-F 9am-6pm ET |
| Mobile app | No | No |
| Public rating | 4.6/5 (Trustpilot, 2,407) | 4.2/5 (Trustpilot, 1,883) |
| Type | Online agency comparing several carriers | Online agency comparing several carriers |
| Published prices | Not published | GL from $20.75/mo |
| Coverages | general liability, professional/E&O, workers' comp, BOP, cyber, commercial property, commercial auto, umbrella, tools/equipment, bonds | general liability, professional/E&O, workers' comp (incl. sole proprietors), BOP, tools/equipment (inland marine), business personal property |
| Instant certificate | Usually within a couple of hours; up to 48h for higher-risk | Yes, most in minutes online, 24/7 |
| Monthly payments | Payment plans available | Monthly or yearly for select coverages and insurers |
| Cancel anytime | Not published | By phone (policyholder only); refund terms not published |
| States | All 50 states (licensed in every state) | All 50 states + DC |
| Insurer and rating | 100+ carriers, e.g. The Hartford, Liberty Mutual, Chubb, Travelers, Hiscox; top partners AM Best A- to A++ | 18 carriers incl. Travelers, Liberty Mutual, Hiscox, CNA, Markel, Arch, biBERK |
| Time to quote | Few-minute online application; quotes right after | Under 10 minutes online |
| Who it's for | Broad: IT, contractors, cleaning, healthcare, food, retail, real estate, consulting | 400+ types: construction, cleaning, professional services, retail, e-commerce, food |
| Claims | File with your carrier; Insureon agents help M-F 8am-8pm CT | File with your carrier; many accept claims online 24/7 |
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Insureon
- One application compares quotes from 100+ carriers, including The Hartford and Chubb.
- Bilingual agents and a Spanish-language page to start your quote.
- Wide menu: commercial auto, cyber, bonds, umbrella, workers' comp, and more.
- Free certificate of insurance, usually within a couple of hours.
- No starting prices published; median general liability cost is $45/mo.
- Claims are filed with the insurance carrier, not with Insureon.
- No mobile app; agents available weekdays only, 8am–8pm CT.
Simply Business
- Compares 18 carriers, including Travelers, Liberty Mutual, Hiscox, and CNA.
- Low-end prices published: general liability $20.75/mo, BOP $33.75/mo.
- Online quote in under 10 minutes; certificates downloadable 24/7.
- Covers 400+ business types; offers workers' comp for sole proprietors.
- No Spanish-language website or support found.
- No commercial auto or cyber insurance listed among its products.
- Cancelling requires a phone call; service line weekdays 9am–6pm ET.
Also worth a look
Questions
Is Insureon or Simply Business cheaper?
Simply Business starts lower: From $45/mo for Insureon vs From $21/mo for Simply Business. Compare the plan you'd actually use, including add-ons.
Which has better reviews?
Insureon, with 4.6/5 on average across the public ratings we checked.
Which one helps in Spanish?
Insureon: Spanish support. Simply Business: English only.
Can I switch from one to the other later?
Yes, though switching mid-year takes some setup. Export your records before you cancel, and check for annual contracts or cancellation notice periods.
Facts from each company's own pages and public rating sites, checked Oct 4, 2026. How we rate.