What Are the Key Differences Between Kinro and Pie Insurance Business Owner’s Policy?
What Happens If You Have to Close
After a kitchen fire, Pie’s BOP can keep paying staff and cover a temporary move, alongside property protection for fire, explosion, smoke, vandalism and wind, and liability for injury, damage and advertising claims. Kinro describes general liability plus property for inventory, furniture, equipment and tenant improvements, and says nothing about interruption. Choose Kinro if you’re signing a lease for a restaurant, shop, salon or office and want a broker to match carrier appetite; choose Pie if you want interruption spelled out and aren’t in those categories. [4] [1]
How You Start a Quote
Kinro asks for your address, square footage, construction, occupancy, property and inventory values and revenue, and says its fit depends on carrier appetite. Pie has you contact it through its website and finds a BOP among carrier partners it doesn’t name. Neither lets you bind online; both need a back-and-forth. [1] [4]
What Should You Confirm in Kinro and Pie Insurance Business Owner’s Policy Quotes?
- Ask Kinro which carrier it’s placing you with. [1]
- Ask Pie which carrier partner issues the policy. [4]
- Ask Kinro whether business interruption, payroll and relocation costs are covered. [1]
- Ask Pie how long interruption payments last and what limit applies. [4]
- Ask Kinro whether workers’ compensation, cyber or hired auto are quoted alongside the BOP. [1]