Simply Business vs Zurich: Professional Liability / E&O Insurance

Zurich U.S. targets technology, manufacturing and service-provider classes with admitted E&O in most states under Pro Plus; Simply Business is an online comparison route listing consultants, IT professionals, agents and bookkeepers.

Kearny Risk organizes these comparisons for firms whose advice, content or technology creates professional exposures.Research updated 2026-09-30

What Are the Key Differences Between Simply Business and Zurich U.S. Professional Liability (E&O) Insurance?

Zurich names target business classes

Zurich identifies technology, manufacturing and third-party service providers as E&O target classes. Simply Business gives consultants, IT professionals, real-estate agents and bookkeepers as examples, with eligibility depending on the offer. A manufacturer or service provider should check that the proposed marketplace insurer accepts its operations, while Zurich buyers should confirm class fit in underwriting. [7] [3]

Zurich describes a modular policy structure

Zurich says Pro Plus is a modular suite of coverages in one policy and admitted E&O is available in most states. Simply Business describes online quote comparison but does not establish whether a specific E&O offer is standalone or part of a package. Ask for the complete schedule of coverage and identify any lines bundled together. [7] [3]

Claims resources are specified at Zurich

Zurich describes E&O claims specialists and underwriters who review claims under policy terms and coordinate with legal counsel. Simply Business’s published overview identifies possible legal expenses but does not describe claims handling. Ask its proposed insurer who receives notice and coordinates counsel for an E&O claim. [7] [3]

What Should You Confirm in Simply Business and Zurich U.S. Professional Liability (E&O) Insurance Quotes?

  • Confirm Zurich’s state availability and Pro Plus modules; ask Simply Business whether its proposed E&O is standalone and name the insurer. [7] [4]
  • Request each insurer’s claims notice instructions and who coordinates defense counsel, plus the policy’s covered services and exclusions. [7] [3]

Zurich offers modular Pro Plus coverage and describes claims handling; Simply Business lists professional-work costs that may be covered through a panel quote.

Sources reviewed

  1. 01
    Professional Liability – US Direct Errors and Omissions Insurance

    Hiscox Inc. specimen · About this Policy / Coverage for Claims Made Against You; I.A Insuring Agreement; I.B Defense; I.C Settlement; II.A Notice of Claims; II.C Optional Extended Reporting Period; III.A, III.K, III.M, III.R, III.S Exclusions; IV.A–B Limits and Deductible; VI.O Professional Services; VI.U Wrongful Act · accessed 2026-09-16

  2. 02
    Professional liability insurance

    Insurance Information Institute · Opening paragraphs (professional services/advice and E&O name); Claims not covered by general liability; What types of businesses need professional liability insurance?; What’s covered… and what’s not (claims-made versus occurrence, defense and judgments, non-financial/intentional limits, BOP/in-home exclusion) · accessed 2026-09-16

  3. 03
    Professional Liability Insurance Coverage

    Simply Business · Coverage lines 45–100; buyer examples lines 101–158; online quote steps lines 237–260. · accessed 2026-09-29

  4. 04
    Terms of Service

    Simply Business · Dated June 30, 2026; §1 lines 22–28; §8 lines 87–113; §10 lines 143–149; §19 line 211. · accessed 2026-09-29

  5. 05
    FAQ: Professional liability insurance

    Texas Department of Insurance · What’s professional liability coverage?; What types of damages…; What’s general liability insurance?; Do I need professional liability… if I have general liability…?; Is professional liability insurance required?; Can a client require…?; What’s the difference between occurrence policies and claims-made policies · accessed 2026-09-16

  6. 06
    Get business insurance

    U.S. Small Business Administration · Six common types of business insurance table · accessed 2026-09-16

  7. 07
    Errors and Omissions Insurance – E&O | Zurich Insurance

    Zurich U.S. · Pro Plus coverage, targeted classes, policy structure, claims and underwriting · accessed 2026-09-28

Areas of coverage

Simply Business

  • coverage: The page describes protection for claims tied to professional work and lists attorney fees, court costs, settlements and judgments as costs that may be covered; policy wording controls. Company-published professional-errors-omissions information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer.company-reportedSource ↗
  • eligibility: Simply Business lists consultants, IT professionals, real-estate agents and bookkeepers among the business examples for which it can help find E&O coverage. The examples do not guarantee eligibility. Company-published professional-errors-omissions information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer.company-reportedSource ↗
  • application: The company describes an online flow to answer business questions, compare quotes and select a policy. Its Terms say an online quote is not guaranteed and binding requires panel-member approval. Company-published professional-errors-omissions information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer.company-reportedSource ↗Source ↗

Zurich U.S.

  • coverage: Zurich says E&O can address professional-service negligence, mistakes or failure to deliver promised services, including defense costs, court fees, settlements and judgments. Zurich U.S. brand; exact underwriting company may vary by policy and state; professional errors and omissions; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms.company-reportedSource ↗
  • eligibility: Zurich names technology, manufacturing and third-party service providers among targeted E&O classes. Zurich U.S. brand; exact underwriting company may vary by policy and state; professional errors and omissions; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms.company-reportedSource ↗
  • coverage: Zurich’s Pro Plus is a modular suite of coverages in one policy; admitted E&O coverage is available in most states. Zurich U.S. brand; exact underwriting company may vary by policy and state; professional errors and omissions; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms.company-reportedSource ↗
  • claims: Zurich describes E&O claims specialists and underwriters and says claims are reviewed under policy terms with legal counsel coordination. Zurich U.S. brand; exact underwriting company may vary by policy and state; professional errors and omissions; United States. Company-reported product description; actual coverage, underwriting, limits and state availability are governed by issued policy terms.company-reportedSource ↗

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