Simply Business is an online insurance broker that specializes in small businesses and trades, matching contractors to carriers through its platform. It’s a legitimate way to shop — and so is working with an independent agency that does the same thing with a human who knows contracting. Get multiple quotes within minutes.

Simply Business at a glance

Strengths

• Focused on small contractors and trades, so quotes are relevant to your work
• Online, fast, and easy to start
• Access to multiple carriers through one form

Trade-offs

• As a platform, the depth of advice varies — complex classification questions benefit from a specialist
• Carrier options depend on their panel; another agency may reach markets they don’t
• Cheapest-on-the-platform isn’t always cheapest available

Which contractors Simply Business fits

Simply Business suits contractors comfortable shopping online for straightforward coverage. For trades with classification nuance — mixed-scope handymen, contractors crossing multiple class codes — a specialist agency that hand-checks the classification can add real value.

How to compare Simply Business the smart way

The only way to know if Simply Business is your best deal is to see it next to other carriers for your exact trade, state, and payroll. As an independent agency, that’s exactly what we do — one submission, multiple carrier quotes, an honest side-by-side. See our other carrier reviews or get multiple quotes within minutes.

Frequently asked questions

Is Simply Business a broker or an insurer?

Simply Business is an online insurance broker — it matches small businesses and contractors to insurance carriers rather than underwriting policies itself.

Is Simply Business good for contractors?

It’s a reasonable option for small contractors wanting to shop online quickly. For trades with classification complexity, an independent agency that manually verifies class codes can add value.

Want Simply Business quoted against the market? Get multiple quotes within minutes — and for the deep dive on workers’ comp specifically, see our sister site USAWorkersComp.com.