What Are the Key Differences Between Insureon and Simply Business Business Owner’s Policy?
Default lines outside the BOP
Simply Business says a standard BOP does not include workers' compensation or professional liability by default, though professional liability may be added in some cases. Insureon's overview identifies general liability and property, and says optional coverages depend on the quoted policy without listing those exclusions. An employer or professional-services firm should budget and compare those lines separately unless its quote explicitly adds them; the issued form controls whether any add-on applies. [4] [1]
Quote comparison and state variation
Simply Business describes entering business details and reviewing quotes through its marketplace, with availability and binding subject to state, insurer, and business approval. Insureon also provides an online BOP request, but its overview does not describe comparable marketplace steps or state qualifications. A buyer can compare the displayed proposals, then confirm binding approval and whether professional liability is attachable in the relevant state. [5] [1]