Pie Insurance vs Simply Business: Business Owner’s Policy

Pie Insurance directs BOP buyers to its website to start a quote from carrier partners; Simply Business lets you enter business details and review available quotes, with availability varying by state, insurer and business.

Montgomery Risk Partners prepared this library from Spot.Insure comparison research and underlying public records.Research updated 2026-09-30

Provider coverage details

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 ↗

Simply Business

  • coverage: Simply Business describes a BOP as a package that typically combines general liability and property coverage and discusses business-interruption protection. Exact covered property, interruption triggers and exclusions depend on the issued form. Company-published business-owners-policy information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer.company-reportedSource ↗
  • coverage: The company says a standard BOP does not include workers’ compensation or professional liability by default; professional liability may be added in some cases. Check the selected policy and endorsements. Company-published business-owners-policy information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer.company-reportedSource ↗
  • application: The page describes entering business details and reviewing available quotes through the marketplace. The Terms say coverage and quote availability vary by state, insurer and business, and binding needs panel-member approval. Company-published business-owners-policy information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer.company-reportedSource ↗Source ↗

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

Buyer Fit and Coverage

Pie lists building, inventory, and equipment cover for specified events, liability for bodily injury, property damage, and advertising injury, plus interruption expenses such as payroll and temporary relocation after a covered catastrophe. Simply Business describes property and general liability as typical BOP parts, with interruption details dependent on the form. Compare the covered causes and interruption conditions. [3] [4]

How You Get a Quote

Pie directs buyers to contact it for a BOP quote and does not describe a self-serve three-minute purchase for this line. Simply Business describes entering business details and reviewing marketplace offers. Ask Pie how its quote proceeds and ask Simply Business which panel insurer is available. [3] [4]

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

  • Ask Pie Insurance which issuing insurer, exact coverage parts, limits, and endorsements apply to your quote; the published offering does not establish buyer-specific terms. [3]
  • Ask Simply Business which insurer and issued form support the quote, and confirm the coverage limit and exclusions for your property and occupancy. [4]

Pie lists building, inventory, and equipment cover for specified events, liability for bodily injury, property damage, and advertising injury, plus interruption expenses such as payroll and temporary relocation after a covered catastrophe. Pie directs buyers to contact it for a BOP quote and does not describe a self-serve three-minute purchase for this line.

Sources and records

  1. 01
    Business Interruption and Business Owner Policy

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

  2. 02
    Small Business

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

  3. 03
    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

  4. 04
    Business Owner’s Policy Insurance

    Simply Business · Bundle lines 34–38, 218–243; add-on/exclusion discussion lines 226–243; buyer and quote sections. · accessed 2026-09-29

  5. 05
    Terms of Service

    Simply Business · Dated June 30, 2026; §1 lines 22–28; §8 lines 87–113; §10 lines 143–149; §19 line 211. · accessed 2026-09-29

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

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