Riskcube vs Simply Business: General Liability Insurance

RiskCube is a broker whose roughly 10-minute intake leads to carrier comparison and proof of coverage aimed for about 24 hours; Simply Business points buyers such as sole proprietors and freelancers to an online quote flow where a quote is not guaranteed.

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

Provider coverage details

RiskCube

  • role: RiskCube brokers general liability coverage as one of the lines in its startup insurance catalogue, comparing carrier options rather than underwriting the policy itself. Catalogue coverage-type list and lead paragraph; RiskCube did not publish a separate general liability landing page as of 2026-09-23.company-reportedSource ↗
  • insurer: RiskCube's disclosures say it is not an insurance carrier and that its insurance products, including general liability, are underwritten and issued by third-party carriers it does not name. Company-wide entity and licensing disclosure; no carrier is identified for general liability specifically.company-reportedSource ↗
  • coverage: RiskCube describes general liability as covering bodily injury, property damage and advertising injury. Catalogue General Liability card summary.company-reportedSource ↗
  • eligibility: RiskCube says general liability is "the policy behind most COIs required by landlords, event venues, and vendor contracts," framing it as the coverage startups typically need first to satisfy those counterparties. Catalogue General Liability card; specific landlord, venue or vendor requirements were not independently verified.company-reportedSource ↗
  • limits: RiskCube's catalogue does not publish specific limit or retention amounts for general liability. Catalogue as read on 2026-09-23; a dedicated general liability page was not available to check for a limits table.not-disclosedSource ↗
  • application: RiskCube describes a roughly 10-minute digital intake followed by its AI agents and licensed brokers comparing top-rated carriers, aiming for vendor-ready proof of coverage in about 24 hours across the coverage types in its catalogue, including general liability. Catalogue process section; the timing is a general claim about the catalogue's application flow, not general-liability-specific.company-reportedSource ↗
  • services: The reviewed catalogue page does not describe risk-control or other services specific to general liability. Catalogue as read on 2026-09-23; a dedicated general liability page was not available.not-foundSource ↗
  • claims: The reviewed catalogue page does not describe claims handling specific to general liability. Catalogue as read on 2026-09-23; a dedicated general liability page was not available.not-foundSource ↗

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 ↗

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

Coverage descriptions and certificate needs

RiskCube describes general liability as covering bodily injury, property damage and advertising injury, and says the policy often supports certificates requested by landlords, venues and vendors. Simply Business describes potential third-party injury, property damage and legal-defense coverage and says employee injuries are outside the line. If a contract requires a certificate with particular wording, ask both routes whether the quoted form can meet it. [5] [6]

Intake and carrier decision

RiskCube describes a roughly ten-minute digital intake followed by AI agents and licensed brokers comparing carrier options, with a stated aim of proof of coverage in about 24 hours. Simply Business directs buyers to online quoting but says a quote is not guaranteed and panel approval is needed to bind. Confirm the carrier’s actual decision timeline and who issues the certificate before setting a contract start date. [5] [7]

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

  • Ask RiskCube which third-party carrier is proposing terms and whether the certificate can include the exact contract wording. [4]
  • Ask Simply Business for the proposed carrier, certificate wording and remaining approval steps before binding. [7]

RiskCube describes coverage for bodily injury, property damage and advertising injury and a digital intake followed by broker comparison. Simply Business also quotes online but requires carrier-panel approval before binding; compare insurer and timing.

Sources and records

  1. 01
    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

  2. 02
    Commercial general liability insurance

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

  3. 03
    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

  4. 04
    Disclosures & Compensation

    RiskCube · Section 1, Entity and Licensing Disclosure: "RiskCube is not an insurance carrier and does not underwrite insurance. Insurance coverage is offered, underwritten, and issued by third-party insurance carriers" · accessed 2026-09-23

  5. 05
    Startup Insurance Coverage

    RiskCube · General Liability card: "GL is the foundation of every startup insurance stack. It covers bodily injury, property damage, and advertising injury — and is the policy behind most COIs required by landlords, event venues, and vendor contracts"; catalogue intro and process steps · accessed 2026-09-23

  6. 06
    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

  7. 07
    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

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

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