CNA vs Pie Insurance: Business Owner’s Policy

CNA Connect covers more than 600 small-business classes with adjustable limits; Pie Insurance acts as an intermediary with carrier partners and has BOP buyers contact it to start a quote.

Montgomery Risk Partners prepared this library from Spot.Insure comparison research and underlying public records.Research updated 2026-10-01

Pie describes BOP interruption coverage for payroll and temporary relocation after a covered catastrophe; CNA Connect lists income, buildings, contents, equipment, and 300+ optional endorsements.

What Are the Key Differences Between CNA and Pie Insurance Business Owner’s Policy?

Business interruption within the package

Pie describes a BOP combining commercial property and liability with business interruption that can cover payroll and temporary relocation costs after a covered catastrophe. CNA Connect lists income alongside buildings, contents, computer equipment, receivables, and money or securities, with optional endorsements. Ask both for the interruption trigger, restoration period, and any sublimit before comparing the package. [4] [1]

Intermediary route and flexibility

Pie says it helps businesses find a BOP quote from carrier partners and directs buyers to contact it to begin quoting. CNA Connect advertises more than 300 endorsements and adjustable deductibles and limits. Pie’s overview does not name the insurer for an individual quote, so request the carrier and proposed forms before comparing its offer with CNA’s coverage schedule. [4] [1]

What Should You Confirm in CNA and Pie Insurance Business Owner’s Policy Quotes?

  • What interruption costs, trigger, and waiting period appear in each quote? [1] [4]
  • Which insurer is behind Pie’s offer, and what CNA endorsements match the selected package? [1] [4]

Provider coverage details

CNA

  • eligibility: CNA says CNA Connect serves more than 600 small-business classes. Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US small-business BOP Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control.company-reportedSource ↗
  • coverage: CNA Connect packages property and general liability exposures including buildings, income, business contents, computer equipment, receivables and money/securities. Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US small-business BOP Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control.company-reportedSource ↗
  • coverage: CNA says CNA Connect has 300+ optional endorsements and adjustable deductibles/limits. Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US small-business BOP Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control.company-reportedSource ↗

Pie Insurance

  • role: Pie says it helps small businesses find the best BOP quote and coverage 'from our insurance carrier partners,' identifying itself as an intermediary for this line rather than the underwriter. BOP product page as read on 2026-09-23.company-reportedSource ↗
  • insurer: The reviewed page refers only to 'our insurance carrier partners' and does not name a specific insurer for Pie's BOP product. BOP product page as read on 2026-09-23.not-disclosedSource ↗
  • coverage: Pie describes BOP insurance as bundling commercial property coverage (building, inventory, equipment against fire, explosion, smoke, vandalism, or wind), commercial liability protection (bodily injury, property damage, advertising injury), and business interruption coverage (payroll and temporary relocation costs after a covered catastrophe). BOP product page as read on 2026-09-23; the issued policy and endorsements control actual coverage.company-reportedSource ↗
  • eligibility: Pie markets BOP as liability and property insurance customized and bundled for small businesses, and cross-sells it alongside workers' compensation, cyber, and commercial auto on other small-business product pages. BOP product page as read on 2026-09-23; no minimum size or industry restriction was published.company-reportedSource ↗
  • application: Pie directs BOP buyers to contact the company to start a quote through its website; the page does not describe the same three-minute self-service flow it advertises for workers' compensation. BOP product page as read on 2026-09-23.company-reportedSource ↗
  • limits: The reviewed page does not publish limits, deductibles, or premium ranges for BOP coverage. BOP product page as read on 2026-09-23.not-disclosedSource ↗

Sources and records

  1. 01
    CNA Connect Small Businessowners Policy (BOP) | CNA Insurance

    CNA · CNA Connect; coverages, product range, services · accessed 2026-09-28

  2. 02
    Business Interruption and Business Owner Policy

    National Association of Insurance Commissioners · Background; General liability, Commercial property and Business interruption bullets · accessed 2026-09-16

  3. 03
    Small Business

    National Association of Insurance Commissioners · FAQ: What’s a business owners policy?; What’s general liability insurance · accessed 2026-09-16

  4. 04
    Business Owner's Policy | BOP Insurance

    Pie Insurance · What's typically covered by BOP insurance? Commercial Property Insurance, Commercial Liability Protection, Business Interruption Insurance; How does BOP insurance help protect small businesses?; Make sure you're covered: Start your BOP quote · accessed 2026-09-23

Use this comparison as a starting point for a discussion about your business and its insurance needs.

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