Simply Business is a digital small business insurance broker founded in the U.K. in 2005, headquartered in London with a U.S. office in Boston. The platform aggregates quotes from 15+ top-rated carriers and uses smart-matching technology to route each HVAC contractor to the carriers likely to win the account. Because Simply Business is a broker rather than a carrier, the policies are actually written by paper like CNA, Travelers, Markel, Hiscox, and other A-rated insurers — but the entire shopping and binding experience is online.
The HVAC contractor marketplace covers the core lines: general liability, business owner's policies, workers' compensation, commercial auto, tools and equipment, and professional liability. The intake asks HVAC-specific questions — residential vs. commercial mix, payroll, subcontractor use, refrigerant work — and returns side-by-side quotes within minutes. Published averages show small-business coverage around $97/month, though HVAC-specific premiums vary by state, payroll, and claims history. Simply Business also markets potential discounts of up to 20% on select bundled policies.
Simply Business is strong for HVAC owners who want to compare multiple A-rated carriers in one session without calling an agent, and who value the ability to chat with U.S.-based licensed support when they need coverage guidance. The trade-off vs. an HVAC-specialty agency is that Simply Business is a generalist small-business broker — a dedicated HVAC agency may place more nuanced endorsements or non-standard risks better. For mainstream HVAC shops, however, the carrier lineup and online UX make this one of the fastest ways to shop the market.