Hub International vs Pie Insurance: Business Owner’s Policy

Both are intermediaries. HUB International has an advisor fine-tune the BOP to your line of business; 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

Provider coverage details

HUB International

  • role: HUB brokers business owners policies rather than underwriting them, placing a combined property-and-liability package with an insurer on the client's behalf. BOP product page as read 2026-09-23; the page does not name an issuing insurer.company-reportedSource ↗
  • coverage: HUB describes its BOP as combining building and business-property insurance, which repairs or replaces damaged buildings, equipment, stock, furniture or fixtures, with business liability insurance for injury or property-damage claims caused by the business or its employees. Product-page description of the two BOP components; the issued policy and its exclusions control an actual claim.company-reportedSource ↗
  • services: HUB says an advisor works with the client to fine-tune the BOP with options that fit the client's line of business, and positions the policy as a way to eliminate coverage gaps between separate property and liability policies. Product-page marketing copy; no specific risk-control service beyond broker consultation is described.company-reportedSource ↗
  • insurer: The BOP product page does not name an issuing insurer; HUB places BOP business with insurers that vary by client and placement. Checked the BOP product page on 2026-09-23; no carrier is disclosed there.not-foundSource ↗
  • limits: Published coverage limits, deductibles or premium ranges for HUB-placed BOPs were not found on the product page. Checked the BOP product page on 2026-09-23; limits are set on the quote and declarations, not the marketing page.not-disclosedSource ↗
  • application: HUB directs prospects to contact a HUB broker to get started on a BOP; no online quote or self-serve bind flow is described on the page. Product-page call to action as read 2026-09-23.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 ↗

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

Published Closure Cover Versus a Broker Who Customizes

Pie lists the pieces: property against named perils, liability including advertising injury, and interruption for payroll and relocation. HUB describes paying to repair or replace buildings, equipment, stock, furniture and fixtures, plus liability for injury and property-damage claims. It pitches the BOP as closing gaps between separate property and liability policies, and its page doesn't mention interruption. On published coverage, Pie is clearer about keeping you running after a loss. Choose Pie if payroll during a shutdown is your main worry; choose HUB if your line of business needs options tailored by an advisor rather than an off-the-shelf bundle. [4] [1]

Neither Lets You Buy Online

Both start with a conversation. Pie's BOP begins with a website contact request; its three-minute self-service flow covers workers' compensation, not this line. Pie also sells workers' compensation, cyber and commercial auto if you want more lines from the same place. HUB routes you to one of its brokers. Neither page names the insurer or publishes limits. [4] [1]

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

  • Ask each which insurer issues the policy. [4] [1]
  • Ask HUB whether business interruption, including payroll and relocation, is on its quote. [1] [4]
  • Ask the HUB advisor which options they'd add for your line of business, and what each costs. [1]
  • Get dollar limits on both quotes. [4] [1]

Pie's BOP includes business interruption that can pay payroll and temporary relocation after a covered disaster. HUB gives you a broker who tailors a building-and-liability package to your line of business, with no online quote.

Sources and records

  1. 01
    Business Owners Policy (BOP) Company Coverage

    HUB International · BOP definition: combination of business property and liability protection for small and mid-size businesses; building and business property insurance section; business liability insurance section; related products; Connect With a Broker · 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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