Your cookie choices

We use necessary cookies to make this site work. With your permission, analytics cookies help us understand usage and marketing cookies support advertising.

You can reject non-essential cookies and still use the site. Change your choices anytime in Cookie settings.

Cookie settingsCookie policy

Simply Business review

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

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Our verdict

Simply Business is a UK broker built for landlords and small-business owners who want several policies held in the same place, with premiums from £14.25 a month. Monthly payments are on, and landlord cover runs to Property owners' liability up to GBP 5,000,000 for property owners' liability.

Key facts

Best for
Landlords and small-business owners who want landlord, home emergency and health cover under a single broker.
Premium from
£14.25↗
Insurance types
Landlord, Home-emergency, Health↗
Provider type
Broker↗
Monthly payments
Yes↗
Excess from
£100 to £2,500↗
Cover limit
Property owners' liability up to GBP 5,000,000↗
Claims channels
Phone, Online, Email↗
Legal entity
Xbridge Limited↗
Headquarters
United Kingdom↗
Founded
2005↗
Support channels
Email, Phone, Help-centre↗
Pricing model
Monthly
Official website
simplybusiness.co.uk

Facts checked September 26, 2026, 3 sources

Apps and profiles

Elsewhere
WikidataWikipediaXTrustpilotLinkedInfind-and-update.company-information.service.gov.uk

Pros and cons

Pros

  • Landlord premiums start at £14.25 a month, and the monthly payment model spreads the cost
  • Landlord cover includes Property owners' liability up to GBP 5,000,000 for property owners' liability
  • A single broker holds landlord, home emergency and health policies under landlord, home emergency and health
  • Claims can be started by phone, online and email, so a claim never needs an in person visit

Cons

  • Monthly payments is the only payment model, so there is no annual single premium to pay
  • Excess runs £100 to £2,500, so every claim leaves the policyholder to fund a share
  • Support runs on email, phone and help centre, with no live chat among the listed routes
Simply Business

Ready to try Simply Business?

Scored 8.8 / 10 by SumCue.

See alternatives

Who it suits

  • Landlords letting UK property who want a high liability limit on landlord cover
  • Small-business owners who want health and home emergency cover beside a landlord policy
  • Buyers who prefer spreading a premium into monthly amounts rather than a single payment

Who should look elsewhere

  • bunq, which is a bank account rather than an insurance broker for landlord cover
  • Linxea, if long-term life assurance suits better than landlord and business cover
  • Anyone who wants a single annual payment, as monthly payments is the only model listed

How Simply Business compares

Where Simply Business is available

Available
United Kingdom
Licence in United Kingdom
Financial Conduct Authority (0014G00002E1BQWQA3), checked September 26, 2026

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

Frequently asked questions

What is the cheapest premium at Simply Business?+

Landlord cover starts at £14.25 a month on the monthly payment model. That figure sits against a €7.95 median across the insurance brands ranked here, so the entry point sits well above the middle rather than at the floor.

Is Simply Business a broker or an insurer?+

Simply Business is a broker, not an insurer, with broker recorded and a legal entity of Xbridge Limited. That means policies are placed with providers the broker chooses while it handles quotes, paperwork and claims. It is authorised and regulated in the UK by the Financial Conduct Authority.

What kinds of insurance can I buy?+

The range covers landlord, home emergency and health policies, listed together under landlord, home emergency and health. Landlord cover is the clearest fit for property letting, with Property owners' liability up to GBP 5,000,000 available for property owners' liability. Home emergency and health cover sit alongside it for households and small businesses.

Can I pay monthly instead of once a year?+

Monthly payments is available, and it is the only payment model listed. Paying monthly spreads the cost of a landlord policy into smaller amounts, which suits anyone with an irregular income. The trade-off is that there is no annual option to pay in a single sum.

How much excess do I pay on a claim?+

The excess starts at £100 to £2,500, so that is the minimum you would contribute to a landlord claim. Raising the excess usually lowers the monthly premium. The figure only applies to landlord policies, so check the excess on health and home emergency cover separately.

How do I make a claim?+

Claims can be opened by phone, online and email, which means a claim does not have to be raised in person. Day to day questions about a policy run through email, phone and help centre, so the help centre covers the basics and phone or email handles the rest.

Who is Simply Business regulated by?+

The firm sits under the Financial Conduct Authority register in the UK, and it has been operating since 2005. Its registered details sit under the legal entity Xbridge Limited. Buying through a regulated broker means the sale and the ongoing handling fall under UK rules.

Sources

  • register.fca.org.uk/s/firm checked September 26, 2026

    Backs: Licences

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

    Backs: Provider type, Founded, Headquarters, Legal entity

    “Simply Business is one of the UK's largest online business insurance brokers”

  • 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, Monthly payments, Premium from, Support channels

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

Compiled from 4 source pages, checked September 26, 2026. We did not open an account.

Simply Business

Simply Business

Landlords and small-business owners who want landlord, home emergency and health cover under a single broker.

8.8/10See alternatives