If you’re a sole trader, micro-business, tradesperson or landlord looking for a quick price comparison, then Simply Business could be the broker you’re looking for.
Our verdict
Simply Business is best for offering a wide range of business policies. As a broker, it has a variety of policies, which makes it easy to tailer the cover to your needs.
The company operates a 24/7 claims line and is transparent about its claims process. However, the customer service helpline has limited opening hours and these differ on Thursdays and weekends, which can be confusing.
Get started by visiting Simply Business’ website and sign up for a policy. If you have read this review and decided that Simply Business is not for you, you can also compare other business insurance policies on the market.
Pros and cons for Simply Business business insurance
Pros
A range of policies to choose from so you can tailor the cover to your needs.
Policies designed for a long list of professions.
24/7 claims line.
Cons
The opening times of the customer service helpline are inconsistent.
Simply Business is an intermediary, not the direct underwriter
What is Simply Business?
Simply Business is a specialist insurance broker and comparison platform. It has a wide range of business and landlord insurance policies, which you can tailor to specific areas.
Simply Business is a trading name of Xbridge Ltd, which is authorised and regulated by the Financial Conduct Authority.
What types of business insurance policies are available?
As a specialist, Simply Business has a varied range of different business insurance policies:
Simply Business also has policies tailored to a variety of different professions, including beauty therapist insurance, builders insurance, catering insurance, mobile catering van insurance, cleaning insurance, photographers insurance, hired in plant insurance, security guard insurance and takeaway insurance.
Cover limits
Simply Business offers a minimum level of £1 million public liability insurance. Depending on the nature of your business and client demands, you may need a higher level of cover.
For professional indemnity insurance, you can usually choose between £50,000 and £5 million of cover.
Other limits will depend on your personal requirements and will be listed in the details of the policy when you take out a quote.
Claims process
For landlord or business insurance, you can either make a claim online and Simply Business’ UK team will give you a call back or you can phone them 24/7 on 0333 207 0560. Be sure to have your policy number to hand. You may also need to provide supporting documents such as receipts, photographs for damaged areas or videos if possible.
Once your claim is submitted, you will get access to a claims tracking tool so you can keep tabs on how your claim is progressing.
Your claim will be reviewed by Simply Business and, after a settlement is agreed, you’ll then receive a BACS transfer within 24 hours, or an approved supplier or contractor will be sent to fix your issue.
How long this will take will depend on the complexity of the calim itself and how many parties are involved. However, a Simply Business claims handlers will manage your claim from start to finish.
Managing your policy online
When you take out a policy with Simply Business, you can sign up to an online portal where you can manage your policy and view your documents.
How to contact
You can get instant support with Simply Business’ chatbot.
Alternatively, you can call the Simply Business customer service team on 0333 014 6683.
On customer reviews platform Trustpilot, Simply Business has 4.2 out of 5 stars and a rating of “Great”, based on nearly 7,600 reviews (updated July 2026).
On Feefo, Simply Business has 4.6 out of 5 stars, based on more than 40,000 service ratings (updated July 2026).
Customers praise the fair prices and ease of use, but some complain that it’s difficult to get customer service over the phone.
Frequently asked questions
Insurance premiums are based on a range of personal factors, and the exact cost will depend on your circumstances and the level of cover you need.
However, to give you an indication of costs, Simply Business says prices start from £6.65 per month for employers’ liability cover, from £5.40 per month for public liability and product liability insurance, and from £6.90 per month for professional indemnity insurance. (Prices correct as of July 2026.)
With the exception of employers’ liability, which is legally required if you employ staff, business insurance is not a legal requirement. However, it is highly recommended, especially public liability and professional indemnity cover, claims for which can reach millions of pounds.
Whether you have your own premises or not, public liability cover protects you in case a member of the public is injured or their property is damaged and your business is legally liable. For example, if someone trips over some of your equipment or is injured in your work space.
Your business insurance premiums are affected by factors such as the type & level of coverage you require, the type of business you run, the size of your business, where it is located and your claims history.
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To make sure you get accurate and helpful information, this guide has been edited by
Kate Steere
as part of our
fact-checking process.
Ronny Lavie was a deputy editor at Finder, specialising in insurance content. She has almost a decade of experience writing about financial topics, including five months spent as the interim managing editor for the Fintech Times newspaper. Ronny has a Master of Arts in Creative Writing from London Middlesex University.
See full bio
Read out review to find out all you need to know about Superscript’s business insurance cover, including its pros and cons and whether it’s right for your business.
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