Simply Business review

Updated September 28, 2026 · AssureCue Editorial Team · Facts checked September 26, 2026

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Our verdict

Simply Business suits small trades, limited companies and landlords who want public liability, professional indemnity and employers liability in the same place, arranged by a broker rather than an insurer. Public liability cover is priced at £5.40, and monthly payments are available on the policy.

Key facts

Best for
Small businesses and landlords buying cover on a monthly payment.
Provider type
Broker (Source, checked September 26, 2026)
Cover types
Public-liability, Professional-indemnity, Employers-liability (Source, checked September 26, 2026)
Premium from
£5.40 (Source, checked September 26, 2026)
Excess from
£100 to £2,500 (Source, checked September 26, 2026)
Monthly payments
Yes (Source, checked September 26, 2026)
Industries
1,500 trades, small businesses and landlords (Source, checked September 26, 2026)
Legal entity
Xbridge Limited (Source, checked September 26, 2026)
Headquarters
United Kingdom (Source, checked September 26, 2026)
Founded
2005 (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre (Source, checked September 26, 2026)
Official website
simplybusiness.co.uk

Personal insurance

Premium from
£5.40 (Source, checked September 26, 2026)
Insurance types
Landlord, Home-emergency, Health (Source, checked September 26, 2026)
Provider type
Broker (Source, checked September 26, 2026)
Monthly payments
Yes (Source, checked September 26, 2026)
Excess from
£100 to £2,500 (Source, checked September 26, 2026)
Cover limit
Property owners' liability up to GBP 5,000,000 (Source, checked September 26, 2026)
Claims channels
Phone, Online, Email (Source, checked September 26, 2026)
Legal entity
Xbridge Limited (Source, checked September 26, 2026)
Headquarters
United Kingdom (Source, checked September 26, 2026)
Founded
2005 (Source, checked September 26, 2026)
Support channels
Email, Phone, Help-centre (Source, checked September 26, 2026)
Pricing model
Monthly

Apps and profiles

Elsewhere
WikidataWikipediaXLinkedInfacebook.comyoutube.cominstagram.com

Pros and cons

Pros

  • Monthly payments are available on the public liability policy, so cover can start without a large annual outlay.
  • Public liability cover is priced at £5.40, a lower entry point than many of the brands compared here.
  • Business cover is quoted together across public liability, professional indemnity and employers liability, saving separate shopping for each line.
  • Claims can be opened on phone, online and email and policy questions answered on email, phone and help centre, so most contact happens off post.

Cons

  • Cover is placed with an insurer rather than carried by Simply Business, which is a broker by broker; Hiscox UK and EuroAsia Insurance write the policy on their own account.
  • The excess on the landlord policies is £100 to £2,500, and a high excess leaves more of a settled claim with you even where the starting premium is low.
  • Business cover is limited to public liability, professional indemnity and employers liability, so a cyber or property policy has to be arranged elsewhere.
Simply Business

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Scored 9.1 / 10 by AssureCue.

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Who it suits

  • Trades and limited companies that want public liability, professional indemnity and employers liability quoted in one place.
  • Landlords letting property, who can hold the landlord, home emergency and health cover listed under landlord, home emergency and health.
  • Owners who would rather start a claim and ask a question by phone, online or email than by post, given phone, online and email and email, phone and help centre.

Who should look elsewhere

  • Buyers after a single business line: WeddingPlan Insurance lists public liability only, a narrower range than public liability, professional indemnity and employers liability.
  • Anyone who wants the policy written by the carrier itself: Hiscox UK is an insurer, where Simply Business sits on the broker side of the market through broker.

Price signals

The starting premium is the first number a reader sees, and public liability cover is priced at £5.40. Monthly payments are available on that policy, so the cost spreads across the trading year instead of landing as a single annual bill, which suits a business whose income moves from month to month. The second figure matters just as much: the excess on the landlord policies is £100 to £2,500. An excess is the share of a claim you pay before cover responds, so a low starting premium paired with a high excess can leave more of a loss with you. The two numbers should be read together, because the lowest premium on a quote is not always the lowest claim outcome. A reader comparing starting prices should hold the excess constant, then check whether the monthly figure still fits the cash available when a claim lands. That way the comparison reflects cost under stress rather than cost on paper.

Cover and limits

Cover here splits into what a landlord can hold and what a business needs. The listed insurance types are landlord, home emergency and health, so landlord cover sits alongside home emergency and health cover, letting one account carry property-related and health cover together. The published limit on those landlord policies is Property owners' liability up to GBP 5,000,000, and that figure is the ceiling on a property owner's liability claim rather than a promise of what a claim receives. Terms, exclusions and the excess shape a settlement as much as the limit does, so a high ceiling on paper can still leave a large share of a loss with you. The listed types also answer different kinds of claim: landlord cover responds to property and liability at the letting, home emergency responds to incidents in the home, and health cover responds to treatment. Checking which of those a claim would fall under matters as much as the figure on the schedule, and is worth confirming against the wording of the policy you are quoted.

The company behind it

The contracting entity is Xbridge Limited, registered in the United Kingdom and trading since 2005. Support runs on email, phone and help centre, so questions about a live policy can go by phone, by email or through the online help centre, with phone the quicker route for anything time sensitive. The customer base described is trades, small businesses and landlords, and this review leads with the small business side of that mix. A long trading history does not decide how a claim is settled, but it does tell a reader the firm has carried policyholders through repeated cycles of the market. Readers who want a named counterparty should look for Xbridge Limited on the policy documents, since that is the entity holding the contract rather than the brand on the marketing. Because the cover itself is underwritten elsewhere, that document is the point of reference for any question about the policy terms.

How Simply Business compares

Where Simply Business is available

Available
United Kingdom

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

How much does public liability cover cost at Simply Business?+

Public liability cover starts at £5.40 for business customers, and that figure is an entry point for the trade and cover level entered rather than a quote for a specific business. Monthly payments are available on the policy, so the cost can be spread through the year instead of being paid up front.

Can I pay monthly or do I pay once a year?+

Monthly payments are available on the public liability policy, and the payment model is listed as monthly. That suits businesses whose income varies through the year, since the premium is paid in instalments rather than as a single annual charge.

What excess applies, and how does it change a claim?+

On the landlord policies the excess is £100 to £2,500, which is the share of any claim you pay before cover responds. A low starting premium paired with a high excess leaves more of a loss with you, so both figures are worth reading together.

How do I make a claim?+

Claims can be started on phone, online and email, so a first notification can be made by phone, online or email without posting a claim form. Staying inside those channels also gives you a dated record of when the insurer was told about an incident.

How do I get help outside a claim?+

Support runs on email, phone and help centre, covering phone, email and an online help centre. Phone suits anything urgent about a live policy, while email and the help centre suit questions that can be answered in writing and kept for reference.

What cover is available on the landlord side?+

The listed insurance types are landlord, home emergency and health, so landlord cover sits alongside home emergency and health cover. The published limit on those landlord policies is Property owners' liability up to GBP 5,000,000, which is the ceiling on a property owner's liability claim rather than a guaranteed payout.

Is Simply Business an insurer or a broker?+

Simply Business is a broker by its entity kind, broker, so cover is placed with an insurer while the customer contract sits with Xbridge Limited, registered in the United Kingdom and trading since 2005.

How does the starting price compare with other brands?+

Simply Business ranks 3 of 14 brands on starting premium, and the middle starting price across the business insurance brands is €8.37. A lower entry point does not settle the total cost, which turns on the excess and the trade quoted.

Sources

  • simplybusiness.co.uk checked September 26, 2026

    Backs: Cover types

    “Public liability, Professional indemnity, Employers' liability”

  • simplybusiness.co.uk/about-us checked September 26, 2026

    Backs: Industries, Provider type, Founded, Legal entity

    “over one million small businesses and self-employed people across 1,500 trades”

  • simplybusiness.co.uk/business-insurance/public-liability-... checked September 26, 2026

    Backs: Monthly payments, Premium from

    “10% of customers with public liability pay the equivalent of 5.40 a month”

  • simplybusiness.co.uk/insurance-claims checked September 26, 2026

    Backs: Claims channels

    “you can make a claim online, and our UK-based specialist team at Sedgwick will give you a call back; Alternatively, you can give them a call 24/7 on: 0333 207 0560”

  • simplybusiness.co.uk/landlord-insurance checked September 26, 2026

    Backs: Cover limit, Excess from, Insurance types, Pricing model, Support channels

    “more types of cover will be available, including up to GBP 5 million of property owners' liability insurance”

  • simplybusiness.co.uk/legal checked September 26, 2026

    Backs: Headquarters

    “Hylo, 105 Bunhill Row, London, EC1Y 8LZ”

Compiled from 6 source pages, checked September 26, 2026. We did not open an account.

Not confirmed yet: Indemnity limit.

Simply Business

Simply Business

Small businesses and landlords buying cover on a monthly payment.

9.1/10See alternatives

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