ERGO NEXT Insurance vs Simply Business

Two business insurance tools side by side. Prices are the starting plan a small business would pick, in USD.

Compare	ERGO NEXT InsuranceERGO NEXT Insurance	Simply BusinessSimply Business
In one line	Liability and workers' comp quoted online in minutes	Compare quotes from several insurers in one form
Starting price	From $19/mo	From $20/mo
Six-person team	$19/mo	$20/mo
Plans	General liability from $19/mo for low-risk businesses; final price set by underwriting	Compares quotes from top carriers; general liability examples from $20/mo (craft vendor) to $85/mo by profession; median general liability $44/mo; US average $40/mo
Pricing model	Paid	Paid
Free trial	—	—
Users	n/a	n/a
Integrations	Certificates shareable by link	Standalone
Team size	Just me · 2–10 people · 11–50 people	Just me · 2–10 people · 11–50 people
Available in	US	US · UK
Phone support	None listed	Every plan (US)
Live chat	Plans not stated	None listed
Support hours	Live chat: Live agents Mon–Fri 8 a.m.–5 p.m. CT; AI assistant 24/7	Phone: Service: Monday-Friday, 9am-6pm ET (sales 8am-8pm ET)
Incidents posted	We found no public status page for ERGO NEXT Insurance.	We found no public status page for Simply Business.
Trustpilot score	3.9 / 5 from 1,437 reviews	4.3 / 5 from 1,948 reviews
Fit: Retail shop	70	70
Fit: Restaurant or café	60	65
Fit: Service business	85	80
Fit: Agency or studio	70	70
Fit: Trades or contractor	95	85
Fit: Online store	55	55
Why people pick it	Instant COIs Online claims	Several carriers compared UK and US
Where it falls short	Not every state and trade Higher risk classes get referred out	Service goes through the broker
	Visit ERGO NEXT Insurance ↗	Visit Simply Business ↗

Six-person prices are what a team of six would pay on the published plans; "Not listed" means those plans don't cover six. How we calculate prices