CNA vs Simply Business: General Liability Insurance

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

Buyer Scope and Buying Route

CNA identifies GL solutions for small, mid-sized, and large companies, with industry-specific underwriting and risk-control support. Simply Business discusses sole proprietors, partnerships, LLCs, home-based businesses, contractors, and freelancers as examples of small-business buyers, then directs them to an online quote flow. Its terms say a quote is not guaranteed and it cannot bind without a panel carrier’s approval. The examples help orient smaller buyers but do not establish eligibility. [2] [5] [6]

Coverage Description and Policy Detail

Simply Business describes third-party accidents, bodily injury, property damage, and legal-defense costs, while CNA’s offering description specifically addresses amounts owed for covered third-party bodily injury or property damage. Simply Business also says employee injuries are outside this line, but labels its information educational rather than policy wording. Ask each provider to tie the proposed coverage to the actual form, including defense treatment and employee-related exclusions. [2] [5]

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

• Ask Simply Business which panel carrier must approve the quote and what policy form it proposes. [6]
• Ask CNA for the form, exclusions, limit options, and claims contacts for your class. [2]