Gallagher vs Pie Insurance: Business Owner’s Policy

Both arrange a BOP rather than underwrite it. Gallagher offers an online form, phone advisor or callback and lists BOP exclusions; Pie Insurance has buyers contact it to start a quote through its website.

Montgomery Risk Partners prepared this library from Spot.Insure comparison research and underlying public records.Research updated 2026-09-25

Pie's BOP spells out business interruption that can cover payroll and temporary relocation after a disaster. Gallagher's page skips interruption but tells you up front what its BOP won't cover, and lets you start online or by phone.

Sources and records

  1. 01
    Business Owners Policy

    Gallagher Small Business · Coverage Overview; What's covered under the bundle; What's NOT covered?; Do you need a BOP?; Get Covered Now · accessed 2026-09-23

  2. 02
    Connect With an Advisor

    Gallagher Small Business · Form fields from company name through annual revenue; acknowledgment · accessed 2026-09-16

  3. 03
    Business Interruption and Business Owner Policy

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

  4. 04
    Small Business

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

  5. 05
    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

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

Staying Afloat After a Closure Versus Knowing the Gaps

Pie's package covers your building, inventory and equipment against fire, explosion, smoke, vandalism or wind, plus bodily injury, property damage and advertising injury claims. Its interruption piece is what keeps paying staff if a covered catastrophe shuts you down. Gallagher Small Business covers liability and property in space you rent, then lists exclusions so you can see gaps before you buy. On published coverage, Pie is stronger for a business that can't survive a closure. Choose Pie if you'd need payroll or a temporary location after a fire or storm; choose Gallagher if you rent your space and want to read the exclusions and start a quote online yourself. [5] [1]

Getting a Quote Started

Gallagher gives you three ways in: an online quote form, a weekday phone line and a callback request. Pie's BOP starts with a contact request through its website; the three-minute self-service flow it advertises is for workers' compensation only. Both place the policy with carrier partners they don't name on these pages. [1] [5]

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

  • Ask each which insurer issues the policy and who handles claims. [5] [1]
  • Ask Gallagher whether business interruption, including payroll and relocation, is on its quote. [1] [5]
  • Read Gallagher's exclusion list, then check the same items on Pie's issued form. [1] [5]

Provider coverage details

Gallagher

  • role: Gallagher Small Business arranges a business owner's policy as a bundled package rather than underwriting it directly; the policy is placed with one of its partner carriers. Gallagher Small Business's direct-to-small-business BOP product page.company-reportedSource ↗
  • coverage: Gallagher describes the BOP as bundling general liability (bodily injury, third-party property damage, personal and advertising injury, third-party medical expenses, defense costs) with business property coverage for a rented space and the equipment inside it. Product page coverage overview; the issued policy and its exclusions control.company-reportedSource ↗
  • coverage: Gallagher lists damage to a business's own equipment and rented property, employee on-the-job injuries, malpractice, employee discrimination or fraud, intentional injury, and failure to protect sensitive information as not covered by the BOP. Product page "What's NOT covered?" list; exclusions can vary by the carrier and form actually issued.company-reportedSource ↗
  • eligibility: Gallagher says almost every small business that owns or rents its workspace, holds customer data, employs staff, or owns equipment such as computers and furniture is a candidate for a BOP. Product page "Do you need a BOP?" criteria; actual acceptance depends on underwriting.company-reportedSource ↗
  • insurer: The BOP product page does not name the insurer that would issue a given business's policy. Checked the BOP product page on 2026-09-23; no carrier is named there for this specific product.not-disclosedSource ↗
  • limits: The BOP product page does not publish limits, deductibles or premium ranges; it directs prospective buyers to request a quote instead. Checked the BOP product page on 2026-09-23.not-disclosedSource ↗
  • application: Gallagher offers three ways to start a BOP: an online quote form, a phone line for a small business advisor (1-833-292-9441, Monday through Friday, 8 a.m. to 5 p.m., continental U.S.), or a scheduled callback request. Product page "Get Covered Now" section.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 ↗

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

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