Heffernan vs Pie Insurance: Business Owner’s Policy

Heffernan Insurance Brokers builds custom BOP packages for small businesses; Pie Insurance acts as an intermediary with carrier partners and has buyers contact it to start a quote.

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

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

Downtime Coverage Versus Industry Reach

If a fire closes you for weeks, Pie's page shows the BOP it arranges can keep paying staff and cover a temporary move; Heffernan's page describes only property and liability and never mentions interruption. Heffernan's strength is reach: it names construction, food, health care, hospitality, real estate, technology and transportation, and researches a package for anything else. Choose Pie if you're a small business that couldn't survive a shutdown without income protection; choose Heffernan if your industry is specialized or you're near the Small Business Administration ceiling of 500 employees or $7 million in receipts. [4] [1]

How Much Each Tells You Up Front

Pie details the perils (fire, explosion, smoke, vandalism, wind) and liability for bodily injury, property damage and advertising injury, but publishes no size or industry limits. Heffernan publishes size and industry fit but no policy detail. Either way, both place you with an insurer they don't name. [4] [1]

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

  • Ask both which insurer issues the policy. [4] [1]
  • Get business interruption terms for payroll and relocation in writing on both quotes. [4] [1]
  • Ask Heffernan whether your industry is on its list or needs custom research. [1]
  • Ask Pie whether it accepts your headcount, revenue and industry. [4]

Provider coverage details

Heffernan Insurance Brokers

  • role: Heffernan's small-business division arranges a business owner's policy (BOP) for small and growing companies as one of several coverages it places. Heffernan describes itself as the source businesses go to for insurance, not as the insurer. Small Business Insurance page description of the division and its BOP offering.company-reportedSource ↗
  • coverage: Heffernan describes a business owner's policy as a package that combines protection for a company's major property and liability risks in one bundle, assembling the basic coverages a business owner needs. Small Business Insurance page's coverage-type list. Specific insuring agreements and exclusions are not detailed there.company-reportedSource ↗
  • eligibility: Heffernan's small-business insurance targets companies the U.S. Small Business Administration defines as having fewer than 500 employees or less than $7 million in annual receipts, ranging from sole proprietors working from home to fast-growing companies, across industries it lists including construction, food, health care, hospitality, real estate, technology and transportation. Small Business Insurance page's eligibility and industry-list sections.company-reportedSource ↗
  • services: Heffernan says its small-business division focuses entirely on the needs of small-business clients and will research and build a custom-designed package for an industry or niche not listed on the page. Small Business Insurance page description of the division's approach.company-reportedSource ↗
  • limits: The small-business page does not publish BOP limits, deductibles or premium ranges. It cites only general statistics on the cost of small-business lawsuits, not Heffernan's own policy terms. Checked the Small Business Insurance page on 2026-09-23.not-disclosedSource ↗
  • insurer: The small-business page does not name the insurer that would issue a business owner's policy arranged through Heffernan. Checked the Small Business Insurance page on 2026-09-23. The issuing insurer would appear on the quote and declarations.not-disclosedSource ↗

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 ↗

Pie tells you more about the policy itself, including business interruption that can cover payroll and temporary relocation after a covered disaster. Heffernan tells you more about who qualifies, taking firms up to 500 employees and building custom packages for industries it doesn't list.

Sources and records

  1. 01
    Small Business Insurance

    Heffernan Insurance Brokers · Tailor-Made Insurance for Small Businesses; types of coverage we can provide including business owner's policy; industry list; U.S. Small Business Administration size definition · accessed 2026-09-23

  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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