Mylo vs Pie Insurance: Business Owner’s Policy

Mylo is a broker that compares carrier quotes through an online tool or a licensed advisor by phone; Pie Insurance describes itself as an intermediary and has BOP buyers contact it to start a quote on its website.

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 Mylo and Pie Insurance Business Owner’s Policy?

How You Start a Quote

Mylo lets you shop through its Mind of Mylo online tool or call a licensed advisor at 844-863-5950, with agents licensed in all 50 states. Pie's BOP page only asks you to contact the company; the three-minute self-service flow it advertises is for workers' compensation, not the BOP. Choose Mylo if you want to compare several well-known insurers without chasing anyone; Pie is worth a call mainly if you already buy workers' compensation from it. [1] [5]

What Business Interruption Pays

This is where the two policies differ in a claim. Mylo describes interruption as the income you actually lose during a covered shutdown. Pie describes it as payroll and temporary relocation costs after a covered catastrophe. If a fire closes you for two months, lost profit and moving costs are different checks, so match the wording to what would hurt most. [2] [5]

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

  • Ask both which insurer issues your policy; Mylo names its panel but not which one you'll get, and Pie names none. [5] [1]
  • Ask how each quote pays business interruption: lost income, payroll, relocation, or a mix. [2] [5]
  • Get limits and deductibles in writing; neither publishes them. [2] [5]

Provider coverage details

Mylo

  • role: Mylo brokers a business owner's policy by comparing quotes from multiple carriers rather than underwriting the policy itself. BOP product page and the business-insurance overview page.company-reportedSource ↗Source ↗
  • coverage: Mylo describes its BOP as bundling three coverages: general liability for third-party bodily injury, property damage and advertising-injury claims; commercial property for damage to a business's building and business personal property from causes such as fire, storm, theft or vandalism; and business interruption for lost income (actual loss sustained) during a covered shutdown. BOP product page coverage sections; the issued policy and its exclusions control.company-reportedSource ↗
  • coverage: Mylo says packaging these three coverages in a BOP instead of buying them separately typically costs less and can provide better coverage than buying each individually. BOP product page FAQ; a general company statement, not a quoted savings figure for any specific business.company-reportedSource ↗
  • eligibility: Mylo's business-insurance overview page lists a BOP among the coverages most owners start with, alongside commercial auto, workers' compensation and commercial umbrella, and says it gives each business a personalized coverage recommendation. Business-insurance overview page.company-reportedSource ↗
  • insurer: Mylo says it partners with more than 40 A-rated commercial insurance carriers and names Travelers, Liberty Mutual, The Hartford and Hiscox as examples, but neither page identifies which carrier would issue a specific business's BOP. Business-insurance overview page FAQ; the carrier panel is described company-wide, not BOP-specific.company-reportedSource ↗
  • application: Mylo says a buyer can shop for a BOP online through its Mind of Mylo recommendation tool or by phone with a licensed advisor (844-863-5950), and that Mylo has agents licensed in all 50 states. Business-insurance overview page FAQ.company-reportedSource ↗
  • limits: Neither the BOP product page nor the business-insurance overview page publishes specific coverage limits, deductibles or premium ranges. Checked both pages on 2026-09-23.not-disclosedSource ↗Source ↗

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 ↗

Mylo gives you more choice and visibility: it shops your BOP across more than 40 A-rated insurers, including Travelers, Liberty Mutual, The Hartford and Hiscox. Pie also places the policy with other insurers but doesn't say which, so you won't know who backs it until you get a quote.

Sources and records

  1. 01
    Business Insurance

    Mylo · What insurance does a small business need?; Why Mylo? (40+ top-rated commercial insurance partners, 4.8 Google rating, BBB Accredited); What insurance carriers do you work with?; How do I shop for insurance with Mylo? · accessed 2026-09-23

  2. 02
    Business Owner's Policy

    Mylo · Like you, a BOP can do three things at once!; Coverage #1: general liability; Coverage #2: commercial property; Coverage #3: Business Interruption; Business Owner Policy FAQs · accessed 2026-09-23

  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

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

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