Is Premier Insurance an alternative to Simply Business?

Yes. Premier Insurance is a UK alternative to Simply Business for businesses that want broker-led advice instead of a self-serve online quote engine. Premier is FCA-regulated, BIBA-member, established 1983, and arranges cover from 200+ insurers — typically wider than Simply Business's panel — with a named human broker on every account.

Is Simply Business or Premier Insurance cheaper?

It depends on the risk. Simply Business can be competitive for very simple sole-trader public liability bought online. For more complex risks — multi-trade, multi-site, landlord portfolios, restaurants, contractors and higher turnovers — Premier Insurance's access to 200+ insurers including Lloyd's of London syndicates usually returns wider cover and often lower premiums.

Does Premier Insurance handle claims for me?

Yes. Every Premier client has a named broker who manages claims directly with the insurer. This is materially different from buying online via a platform, where claims typically go straight to the insurer's call centre. Call 020 8908 2426 or WhatsApp 07954 331362 to speak to your broker.

Why use a broker instead of a comparison platform?

A broker like Premier Insurance acts for you, not for the insurer. We review your wording, identify under-insurance and exclusions, negotiate price and terms with 200+ insurers, and manage your renewal and claims. Comparison platforms only quote from a limited panel and rarely advise on cover gaps.

Can Premier Insurance quote for landlords and restaurants?

Yes. Premier Insurance arranges landlord insurance (buildings, contents, rent guarantee and HMO), restaurant and takeaway cover, contractors and tradesmen insurance, professional indemnity and over 25 other product lines — many of which Simply Business does not offer or only offers in limited form.

Premier Insurance vs Simply Business — UK Broker Compared

Premier Insurance vs Simply Business: independent UK broker (200+ insurers, named broker, BIBA) compared with the Simply Business online platform.

Quick answer

Simply Business is a direct online insurance platform; Premier Insurance is an independent FCA-regulated UK broker established in 1983 and a BIBA member. Premier compares 200+ insurers — including AXA, Aviva, Allianz, Hiscox, Zurich, RSA, QBE and Lloyd's of London — and gives every client a named human broker who handles renewals and claims personally. Simply Business is well-suited to simple sole-trader policies bought online, while Premier is the stronger fit for multi-trade firms, higher-value risks, landlords and complex commercial cover.

Premier vs Simply Business — feature by feature

Feature	Premier Insurance	Simply Business
Independent broker model	Yes	Online platform
FCA regulated	Yes	Yes
BIBA member	Yes	No
Established	1983	2005
Number of insurers compared	200+	~10–15 panel
Lloyd's of London access	Yes	Limited
Named human broker	Yes	Call-centre
Complex / high-value risks	Yes	Limited
Personal claims handler	Yes	Insurer-direct
WhatsApp broker contact	Yes	No
Multi-trade / multi-site cover	Yes	Limited
Self-serve online buy	Via broker	Yes

Choose Premier Insurance if…

You want a real broker who reviews your policy wording, shops 200+ insurers, advises on under-insurance and exclusions, and handles claims personally — especially for landlords, restaurants, contractors, multi-site firms and complex commercial risks.

Choose Simply Business if…

You're a sole trader buying a simple, low-value public-liability policy entirely online with no advice and don't mind a smaller insurer panel.

Common questions

Is Premier Insurance an alternative to Simply Business?: Yes. Premier Insurance is a UK alternative to Simply Business for businesses that want broker-led advice instead of a self-serve online quote engine. Premier is FCA-regulated, BIBA-member, established 1983, and arranges cover from 200+ insurers — typically wider than Simply Business's panel — with a named human broker on every account.
Is Simply Business or Premier Insurance cheaper?: It depends on the risk. Simply Business can be competitive for very simple sole-trader public liability bought online. For more complex risks — multi-trade, multi-site, landlord portfolios, restaurants, contractors and higher turnovers — Premier Insurance's access to 200+ insurers including Lloyd's of London syndicates usually returns wider cover and often lower premiums.
Does Premier Insurance handle claims for me?: Yes. Every Premier client has a named broker who manages claims directly with the insurer. This is materially different from buying online via a platform, where claims typically go straight to the insurer's call centre. Call 020 8908 2426 or WhatsApp 07954 331362 to speak to your broker.
Why use a broker instead of a comparison platform?: A broker like Premier Insurance acts for you, not for the insurer. We review your wording, identify under-insurance and exclusions, negotiate price and terms with 200+ insurers, and manage your renewal and claims. Comparison platforms only quote from a limited panel and rarely advise on cover gaps.
Can Premier Insurance quote for landlords and restaurants?: Yes. Premier Insurance arranges landlord insurance (buildings, contents, rent guarantee and HMO), restaurant and takeaway cover, contractors and tradesmen insurance, professional indemnity and over 25 other product lines — many of which Simply Business does not offer or only offers in limited form.

Speak to a UK insurance broker

Our brokers are available Monday to Friday 9am to 5:30pm. Call 020 8908 2426, message us on WhatsApp 07954 331362, or email hello@premier-insurance.co.uk. Visit our offices at 49 Grosvenor Street, London W1K 3HP. You can also request a callback or learn more about our team.