Essential
Protection.
Smarter Commercial
Insurance Solutions.
Simpay Insurance Solutions is America's trusted provider for Workers' Compensation, General Liability, Businessowners, Specialty Business, Commercial Property, Commercial Auto, Lessor's Risk, and Professional Liability — serving businesses directly and through our nationwide network of local insurance agents.
The Risk Matrix
There are multiple interlocking coverage options engineered to protect all dimensions of every American business.
01Workers' Compensation
Workforce Protection
Comprehensive workers' compensation coverage for every industry and hazard class. From construction crews to office teams, we underwrite the policies that keep American workers protected and businesses compliant.
02General Liability
Operational Shield
Protect your business from third-party claims with industry-leading general liability programs. We provide broad coverage designed for commercial operations of every size and complexity.
03Businessowners
BOP Coverage
Comprehensive businessowners policy combining property and liability protection for small to mid-size businesses. A single, streamlined solution engineered for the backbone of American commerce.
Commercial Property
Protection for buildings, contents, and business income against covered perils.
Lessor's Risk
Liability protection for property owners who lease to third-party tenants.
Commercial Auto
Fleet and commercial vehicle coverage for businesses of all sizes.
Professional Liability
Errors & omissions coverage for service professionals and consultants.
Specialty Business
This includes Cyber, EPLI, Excess, Garage Keepers, Liquor Liability, Pollution, and many more.
Built for Business
As a wholesale insurance provider, we give you access to competitive rates and broad coverage programs across every major industry.
Construction
Contractors, trades & heavy construction
Retail & Wholesale
Shops & service businesses
Transportation
Trucking, logistics & delivery fleets
Real Estate
Commercial property, Apartments, Single-family and multi-family dwellings
Auto Services
Car washes, gas stations, collision centers & repair shops.
Restaurants & Hospitality
Restaurants, cafés, hotels, & catering services.
Personal Services
Beauty salons, barber shops, nail salons & tattoo parlors.
Healthcare
Home healthcare, nursing homes, non-emergency transportation, & urgent care centers.
Professional Services
Accountants/CPAs, IT consultants, real estate agencies & building inspectors.
Your Wholesale Partner
Join a growing network of insurance agents who rely on Simpay Insurance Solutions for wholesale market access, competitive pricing, and the underwriting expertise needed to place even the most complex risks.
Instant Market Access
Tap into 200+ carrier markets through a single wholesale relationship. No individual appointments needed.
Bind Authority
In-house binding authority on most programs means faster turnaround and fewer delays for your clients.
Competitive Commissions
Industry-leading commission structures designed to grow your book of business profitably.
Everything You Need to Compete
How It Works
Tell Us About Your Needs
Answer a few quick questions about the operations, industry, and coverage needs.
We Shop 200+ Markets
Our underwriters match the risk profile to the best carriers and programs available.
Get a Custom Quote
Receive a tailored coverage proposal, often within the same business day.
Get Connected
Three steps. That's all it takes to access wholesale insurance markets.
Structural Integrity
Simpay Insurance Solutions operates as a nationwide wholesale insurance provider, delivering Workers' Compensation, General Liability, and Specialty Business Insurance to businesses and insurance professionals across all 50 states.
We believe insurance isn't just a policy — it's the structural foundation of every American enterprise. Our wholesale model provides access to 200+ carrier markets, allowing us to engineer coverage solutions that retail agencies and direct buyers can't access on their own.
Whether you're a business owner seeking coverage or an insurance agent looking for a wholesale partner, Simpay Insurance Solutions delivers the underwriting expertise, market access, and speed that today's commercial insurance landscape demands.