Pie Insurance vs Travelers: Business Owner’s Policy

Pie Insurance calls itself an intermediary offering a small-business BOP from carrier partners; Travelers' BOP targets small technology-services businesses, and its page directs buyers to an independent agent.

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

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 ↗

Travelers

  • role: Travelers packages this line as a Technology Services Business Owner's Policy (BOP) that bundles property insurance with liability insurance into a single policy for small technology-services businesses. Small Business Technology Services Insurance page as read on 2026-09-23.company-reportedSource ↗
  • eligibility: Travelers markets this BOP to small businesses providing technology services, including computer installation and repair, data processing services, internet service providers, IT consultants and schools, software development, web development and design, and web hosting. "Who is small business technology services insurance right for?" section.company-reportedSource ↗
  • coverage: Travelers says the Technology Services BOP includes property coverage, general liability, business income and extra expense coverage, and cyber liability and errors & omissions coverage, bundled into one policy. BOP description on the Small Business Technology Services Insurance page.company-reportedSource ↗
  • coverage: Travelers offers optional add-ons for this BOP: the Xtend Endorsement, which it describes as 15 general liability coverage enhancements including a blanket waiver of subrogation; Employment Practices Liability+ (EPL+) for claims like discrimination or wrongful termination; and World Business Essentials, which extends some property and liability coverage for periodic overseas travel. "Customize your business policy with these add-ons" section.company-reportedSource ↗
  • application: Travelers directs buyers to an independent insurance agent to tailor and purchase this BOP; the page does not offer a direct self-service online quote or bind path. "Find an insurance agent" call-to-action on the technology-services page.company-reportedSource ↗
  • insurer: The Small Business Technology Services Insurance page does not name the specific Travelers entity that issues this BOP; the issuing company is disclosed on the policy itself. Page checked on 2026-09-23; no underwriting-entity footer was present on this page.not-foundSource ↗
  • limits: The page does not publish specific coverage limits, deductibles or sublimits for the Technology Services BOP or its add-ons; those figures appear on the quote and declarations. Page checked on 2026-09-23.not-foundSource ↗

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

Whether You Qualify and What's Inside

Travelers' version is closed to anyone outside technology services, so a bakery or retailer can't use it. For tech firms that do qualify, one Travelers policy carries property, general liability, business income, cyber and E&O. Pie's BOP stops at property, liability and interruption, and it lists cyber among its separate small-business products. Choose Travelers if you're a tech services firm that wants cyber and E&O on one policy; choose Pie if you're in any other industry. [4] [3]

Add-Ons Versus Separate Policies

Travelers offers Xtend (which includes a blanket waiver of subrogation, often required in client contracts), Employment Practices Liability+ and World Business Essentials for overseas travel. Pie's BOP page lists no endorsements and points you to separate workers’ comp, cyber and commercial auto policies instead. [4] [3]

How You Get a Quote

Pie asks you to contact it through its website. Travelers sends you to an independent agent and has no online purchase on this page. Pie doesn't name its partner insurers; Travelers says the issuing company is shown on the policy. [3] [4]

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

  • Ask Travelers for the cyber and E&O sublimits, and ask Pie what a separate cyber policy would cost. [4] [3]
  • Ask a Travelers agent whether Xtend, EPL+ or World Business Essentials are on your quote. [4]
  • Ask Pie which partner insurer issues the policy. [3]
  • Compare interruption wording in writing: Pie's payroll and relocation language against Travelers' business income coverage. [3] [4]

Tech services firms get more from Travelers, whose BOP includes cyber liability and errors and omissions. Every other small business should look at Pie, which arranges a general property, liability and business interruption BOP and sells cyber separately.

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
    Small Business Technology Services Insurance

    Travelers · Technology services business owner's policy (BOP) section; Who is small business technology services insurance right for?; Customize your business policy with these add-ons; Find an insurance agent CTA · 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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