Hub International vs Simply Business: Business Owner’s Policy

What Are the Key Differences Between HUB International and Simply Business Business Owner’s Policy?

Buyer Fit and Coverage

HUB has an advisor fine-tune its property-and-liability package to the client’s trade; Simply Business describes a typical property and general-liability bundle, with interruption wording tied to the issued form. For a business with unusual operations, ask HUB what options close the identified gaps and compare those endorsements with the marketplace quote. [1] [4]

How You Get a Quote

HUB starts through a broker and does not describe self-serve binding, while Simply Business asks for business details and presents available quotes subject to insurer approval. The choice changes how much placement help you receive before binding. [1] [4]

What Should You Confirm in HUB International and Simply Business Business Owner’s Policy Quotes?

Ask HUB International which issuing insurer, exact coverage parts, limits, and endorsements apply to your quote; the published offering does not establish buyer-specific terms. [1]
Ask Simply Business which insurer and issued form support the quote, and confirm the coverage limit and exclusions for your property and occupancy. [4]

HUB has an advisor fine-tune its property-and-liability package to the client’s trade; Simply Business describes a typical property and general-liability bundle, with interruption wording tied to the issued form. HUB starts through a broker and does not describe self-serve binding, while Simply Business asks for business details and presents available quotes subject to insurer approval.

Sources and records

01
Business Owners Policy (BOP) Company Coverage
HUB International · BOP definition: combination of business property and liability protection for small and mid-size businesses; building and business property insurance section; business liability insurance section; related products; Connect With a Broker · accessed 2026-09-23
02
Business Interruption and Business Owner Policy
National Association of Insurance Commissioners · Background; General liability, Commercial property and Business interruption bullets · accessed 2026-09-16
03
Small Business
National Association of Insurance Commissioners · FAQ: What’s a business owners policy?; What’s general liability insurance · accessed 2026-09-16
04
Business Owner’s Policy Insurance
Simply Business · Bundle lines 34–38, 218–243; add-on/exclusion discussion lines 226–243; buyer and quote sections. · accessed 2026-09-29
05
Terms of Service
Simply Business · Dated June 30, 2026; §1 lines 22–28; §8 lines 87–113; §10 lines 143–149; §19 line 211. · accessed 2026-09-29

Provider coverage details

HUB International

role: HUB brokers business owners policies rather than underwriting them, placing a combined property-and-liability package with an insurer on the client's behalf. BOP product page as read 2026-09-23; the page does not name an issuing insurer.company-reportedSource ↗
coverage: HUB describes its BOP as combining building and business-property insurance, which repairs or replaces damaged buildings, equipment, stock, furniture or fixtures, with business liability insurance for injury or property-damage claims caused by the business or its employees. Product-page description of the two BOP components; the issued policy and its exclusions control an actual claim.company-reportedSource ↗
services: HUB says an advisor works with the client to fine-tune the BOP with options that fit the client's line of business, and positions the policy as a way to eliminate coverage gaps between separate property and liability policies. Product-page marketing copy; no specific risk-control service beyond broker consultation is described.company-reportedSource ↗
insurer: The BOP product page does not name an issuing insurer; HUB places BOP business with insurers that vary by client and placement. Checked the BOP product page on 2026-09-23; no carrier is disclosed there.not-foundSource ↗
limits: Published coverage limits, deductibles or premium ranges for HUB-placed BOPs were not found on the product page. Checked the BOP product page on 2026-09-23; limits are set on the quote and declarations, not the marketing page.not-disclosedSource ↗
application: HUB directs prospects to contact a HUB broker to get started on a BOP; no online quote or self-serve bind flow is described on the page. Product-page call to action as read 2026-09-23.company-reportedSource ↗

Simply Business

coverage: Simply Business describes a BOP as a package that typically combines general liability and property coverage and discusses business-interruption protection. Exact covered property, interruption triggers and exclusions depend on the issued form. Company-published business-owners-policy information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer.company-reportedSource ↗
coverage: The company says a standard BOP does not include workers’ compensation or professional liability by default; professional liability may be added in some cases. Check the selected policy and endorsements. Company-published business-owners-policy information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer.company-reportedSource ↗
application: The page describes entering business details and reviewing available quotes through the marketplace. The Terms say coverage and quote availability vary by state, insurer and business, and binding needs panel-member approval. Company-published business-owners-policy information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer.company-reportedSource ↗Source ↗