Pie Insurance vs Techinsurance: Business Owner’s Policy

Pie Insurance has BOP buyers contact it to start a quote and cross-sells other small-business lines; TechInsurance reports a median cost of $83 a month and uses a single online application.

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

TechInsurance lets a small, low-risk business apply online and often get a certificate the same day, at a median $83 a month. Pie's BOP names business interruption for payroll and temporary relocation, but you start by contacting Pie, and it publishes no prices.

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

Fast Online Purchase or Lost-Income Protection

If a client or landlord needs proof of insurance this week, TechInsurance's single online application is the quicker path. Its sweet spot is fewer than 100 employees, under $1 million in yearly revenue, a low-risk industry and a small space. Pie's BOP spells out business interruption, which keeps paying payroll and covers temporary relocation after a covered loss; TechInsurance's coverage list doesn't mention it. Choose TechInsurance if you fit its small, low-risk profile and need a certificate fast; choose Pie if keeping payroll going through a shutdown matters more than speed. [4] [3]

What You Know About Price

TechInsurance reports a median premium of $83 a month and pitches the BOP as cheaper than buying general liability and property separately. Pie publishes no price, size limits or policy limits, so you'll only learn cost after contacting it. [4] [3]

Liability Details

TechInsurance lists third-party accidents, copyright infringement and defamation, theft and vandalism, and product liability. It excludes employee injuries, cyberattacks and vehicles, and natural-disaster damage needs an endorsement. Pie describes commercial liability without that detail. If you sell physical products, TechInsurance at least names product liability; ask Pie directly. [4] [3]

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

  • Ask both which insurer issues the policy; Pie uses unnamed carrier partners and TechInsurance names none. [3] [4]
  • Ask TechInsurance whether business interruption is on your quote. [4]
  • Ask Pie whether product liability is included and whether natural-disaster damage needs an endorsement. [3] [4]
  • Ask Pie whether you can bind online after the first contact. [3]

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 ↗

TechInsurance

  • role: TechInsurance arranges a business owner's policy (BOP) as a bundle of general liability and commercial property insurance sold at a discount versus buying the two policies separately, according to the company. Business owner's policy product page.company-reportedSource ↗
  • insurer: The reviewed page does not name the issuing insurer for a BOP. Business owner's policy product page as read on 2026-09-23.not-disclosedSource ↗
  • coverage: TechInsurance says a BOP covers property damage and business personal property, common third-party accidents (general liability), copyright infringement and defamation claims, theft and vandalism, and product liability claims, but excludes employee injuries, cyberattacks, business vehicles and (without an endorsement) natural-disaster property damage. Business owner's policy product page; general policy description, not a specific policy form.company-reportedSource ↗
  • eligibility: TechInsurance says small businesses typically qualify for BOP savings if they have fewer than 100 employees, operate in a low-risk industry, earn less than $1 million in yearly revenue, and use a small commercial space. Business owner's policy product page, Eligibility requirements for a BOP section.company-reportedSource ↗
  • limits: TechInsurance says its BOP policyholders pay a median of $83 per month, or about $990 a year, with the exact cost depending on business property value, profession risk, policy limits and deductible, location, employee count and claims history. Business owner's policy product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table.company-reportedSource ↗
  • application: You request BOP quotes online through a single application; TechInsurance says licensed agents can help tailor the policy with endorsements, and a certificate of insurance is typically available the same day you buy coverage. Business owner's policy product page.company-reportedSource ↗

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 (BOP) Insurance – Compare Quotes

    TechInsurance · Why do you need a business owner's policy?; Eligibility requirements for a BOP; What is covered under a business owner's policy?; How much does a business owner's policy cost?; What is the difference between general liability insurance and a BOP? · 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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