AIG vs Simply Business: General Liability Insurance

Simply Business sends small-business buyers, such as sole proprietors, LLCs and freelancers, to an online quote flow where a quote is not guaranteed and binding needs panel-member approval; AIG lists the line only inside named programs.

Montgomery Risk Partners prepared this library from Spot.Insure comparison research and underlying public records.Research updated 2026-09-30

What Are the Key Differences Between AIG and Simply Business General Liability Insurance?

Program classes and small-business examples

AIG’s program directory associates GL with selected classes, from community associations and dental practices to towing and crane businesses. Simply Business discusses sole proprietors, LLCs, home-based businesses and independent contractors as examples of potential small-business buyers, then directs them to an online quote flow. Those examples identify where to start, not who will receive a quote: verify your operations against the AIG program or Simply Business carrier panel. [1] [5]

How an inquiry becomes a policy

Simply Business says its educational overview covers bodily injury, third-party property damage and defense costs, while AIG’s program directory merely identifies GL as part of selected programs. Neither description provides the insured’s complete policy wording. Ask for the occurrence basis, products and completed-operations provisions, exclusions and limits in any proposal. [5] [1]

Quote approval and binding

The purchase steps need close attention: Simply Business says a quote is not guaranteed and it cannot bind a risk without panel-member approval. AIG describes program administrator support, but does not give a buyer-specific application or bind timeline in this directory. Ask who has authority to bind each option and when coverage begins; do not treat an online quote or program listing as proof of effective insurance. [5] [1]

What Should You Confirm in AIG and Simply Business General Liability Insurance Quotes?

  • Which AIG program has an appetite for your full class and operations, and who can bind it?
  • Which carrier panel member would Simply Business approach, and what approval remains after you receive a quote?

AIG lists selected program audiences such as towing and dental practices; Simply Business describes an online quote process for small-business forms including sole proprietors and contractors.

Sources and records

  1. 01
    AIG Programs Insurance

    AIG · Official AIG program directory, lines 384–397 (community associations), 409–423 (crane/rigging), 424–437 (dental), 485–498 (leisure), 510–525 (manufactured housing), 526–543 (motorsports), 544–552 (psychoanalysts), and 611–626 (towing): named audiences and GL schedule entries. Program administration and policy caveat at lines 242–284 and 680–680. · accessed 2026-09-30

  2. 02
    Commercial Insurance Guide

    California Department of Insurance · Commercial General Liability; Commercial Automobile; What Should I Expect from a Broker-Agent?; How Are Commercial Policies Rated? · accessed 2026-09-16

  3. 03
    Commercial general liability insurance

    Insurance Information Institute · Coverage A; Coverage B; Coverage C; Purchasing commercial general liability insurance · accessed 2026-09-16

  4. 04
    Commercial General Liability Coverage Form

    ISO; specimen hosted by Hiscox · I.A pp.1–5; I.B pp.6–7; I.C pp.7–8; Supplementary Payments p.8; II pp.9–10; III p.10; IV pp.10–12 · accessed 2026-09-16

  5. 05
    General Liability Insurance for a Small Business

    Simply Business · Coverage lines 51–75; audience lines 61–65, 153–155; application and examples elsewhere on page. · accessed 2026-09-29

  6. 06
    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

AIG

  • role: This evidence supports general liability only within the named AIG programs cited here; it does not establish one uniform standalone general liability product across all businesses. Role in this product is limited to the description on the linked AIG source.company-reportedSource ↗
  • eligibility: AIG lists general liability within selected programs for audiences such as community associations, crane and rigging businesses, dental practices, leisure operations, manufactured housing, motorsports, psychoanalysts and towing operations. This is not a universal industry eligibility statement. Audience is the segment AIG names on the linked source; this is not an underwriting decision, quote or guarantee of availability.company-reportedSource ↗
  • coverage: The program directory identifies General Liability as a coverage component in the cited named programs. It does not publish the occurrence definitions, covered operations, limits, exclusions or endorsements for any buyer’s policy. AIG’s public product description is not the policy. Actual entitlement depends on the applicable issued form, endorsements and declarations.company-reportedSource ↗
  • services: AIG describes underwriting, claims and loss-control teams for its Program Administrators, including program development support and admitted/non-admitted structures. These program services are separate from policy entitlement. The linked page describes company-reported support; specific account services and third-party arrangements must be confirmed.company-reportedSource ↗
  • limits: No general liability limit, deductible or retention for a particular program is stated in the directory. Confirm the program-specific quote and issued form. This statement reports only what the linked public source discloses and does not substitute for a quote or issued policy.not-disclosedSource ↗

Simply Business

  • coverage: The company describes general liability as potentially addressing third-party accidents, bodily injury, third-party property damage and legal-defense costs. Its page says employee injuries are not covered by this line. This is educational material, not a policy form. Company-published general-liability information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer.company-reportedSource ↗
  • eligibility: The page discusses sole proprietors, partnerships, LLCs, home-based businesses, independent contractors and freelancers as examples of small-business buyers. Examples do not guarantee a carrier quote or eligibility. Company-published general-liability information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer.company-reportedSource ↗
  • application: Simply Business directs buyers to an online quote flow; its Terms say a quote is not guaranteed and the producer cannot bind a risk without panel-member approval. Company-published general-liability information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer.company-reportedSource ↗Source ↗

Use this comparison as a starting point for a discussion about your business and its insurance needs.

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