What Are the Key Differences Between Simply Business and Travelers General Liability Insurance?
Underwriting and how to buy
Travelers says it underwrites general liability as a standalone policy or within a Business Owner’s Policy, with purchase through an independent agent who can customize coverage. Simply Business provides an online quote route and says panel-member approval is required before binding; the reviewed record does not name an insurer. Ask which carrier will issue the Simply Business offer and compare it with the Travelers declarations. [6] [5]
Risk services and coverage boundaries
Travelers says general liability customers can access more than 600 Risk Control consultants and a dedicated claims team, and identifies exclusions for professional negligence and damage to a business’s own tools or inventory. Simply Business notes employee injuries are outside general liability and describes potential third-party injury, property damage and defense costs. If you need help preventing losses or have professional-service exposures, ask how each policy and service addresses them. [6] [4]