Alliance Risk vs 
Pie Insurance Business Owner’s Policy
Alliance Risk brokers BOP placements and lists optional endorsements; Pie brokers through carrier partners and describes payroll and temporary relocation within business interruption.
What Is Alliance Risk?
Alliance Risk describes itself as an independent commercial insurance brokerage serving complex businesses, including technology startups. Its offering includes technology E&O placement and review of existing policies. 1,2
What Is Pie Insurance?
Pie Insurance sells and administers small-business commercial insurance, with affiliated carriers writing its workers’ compensation program and outside carrier partners supporting selected other products. Businesses can start a workers’ compensation quote online or use an agent, then manage documents, certificates, billing, audits and claim reporting through Pie’s service channels. 5,6,7
What Is a Business Owner’s Policy?
A business owner’s policy packages property, general liability and business interruption coverage for eligible businesses. 9
Key Differences in Business Owner’s Policy
Intermediary Roles
Alliance Risk arranges BOP placements as a brokerage and describes the package it places. Pie says it helps small businesses find a BOP quote and coverage from its insurance carrier partners, identifying itself as an intermediary rather than the underwriter. Neither reviewed page names the issuing insurer. 3 4 8
How Interruption and Property Perils Are Named
Alliance Risk includes business interruption in the bundle without listing payroll or relocation. Pie describes commercial property against fire, explosion, smoke, vandalism or wind, liability for bodily injury, property damage and advertising injury, and interruption covering payroll and temporary relocation costs after a covered catastrophe. 3 8
Starting a Quote
Alliance Risk uses an online form or a scheduled consultation. Pie directs BOP buyers to contact the company through its website and does not describe the same three-minute self-service flow it advertises for workers’ compensation. 3 8
What to Confirm in Business Owner’s Policy Quotes
Offering Details
Alliance Risk vs Pie Insurance Business Owner’s Policy: documented features by provider
| Criteria | Alliance Risk Business Owners Policy (BOP) | Pie Business Owner's Policy (BOP) |
|---|---|---|
| Role in This Line | Alliance Risk arranges BOP placements as a brokerage; the BOP page describes the bundled package it places rather than an Alliance-issued policy, and does not name an issuing insurer. 3,4Company-reported. BOP product page and the general brokerage disclosure on the coverage catalogue page. | 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. 8Company-reported. BOP product page as read on 2026-09-23. |
| Issuing Insurer | Not described in the reviewed sources. | The reviewed page refers only to 'our insurance carrier partners' and does not name a specific insurer for Pie's BOP product. 8Not publicly disclosed. BOP product page as read on 2026-09-23. |
| Who It’s For | Alliance Risk targets its BOP at small and mid-sized businesses that operate from a physical location with customer foot traffic, listing retail and boutiques, offices and consultants, restaurants and food service, artisan contractors, and healthcare and wellness providers as common buyers. 3Company-reported. BOP product page, Who Needs Business Owners Policy? section. | 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. 8Company-reported. BOP product page as read on 2026-09-23; no minimum size or industry restriction was published. |
| Coverage Features | Alliance Risk's BOP bundles general liability, commercial property and business interruption coverage, with optional endorsements for cyber liability, equipment breakdown, hired and non-owned auto liability, and employment practices liability (EPLI). 3Company-reported. BOP product page; actual endorsement availability depends on the carrier and underwriting. Alliance Risk's BOP page says the bundled package excludes professional liability claims, workers' compensation, commercial auto coverage, and flood or earthquake damage, each of which needs a separate policy. 3Company-reported. BOP product page, What Doesn't Business Owners Policy Cover? section. | 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). 8Company-reported. BOP product page as read on 2026-09-23; the issued policy and endorsements control actual coverage. |
| Limits and Retentions | Alliance Risk's BOP page gives typical annual premium ranges ($500-$1,200 for small businesses, $1,200-$2,500 for medium businesses, $100-$500 per added endorsement) but does not publish standard liability or property limits, deductibles or sublimits. 3Not publicly disclosed. BOP product page as read on 2026-09-23. | The reviewed page does not publish limits, deductibles, or premium ranges for BOP coverage. 8Not publicly disclosed. BOP product page as read on 2026-09-23. |
| How to Apply | You request a BOP quote through Alliance Risk's online quote form or by scheduling a consultation with a risk advisor; the page does not describe specific underwriting information required for a BOP submission. 3Company-reported. BOP product page quote call to action. | 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. 8Company-reported. BOP product page as read on 2026-09-23. |
Full Comparison
More Alliance Risk vs Pie Insurance Comparisons
Other Business Owner’s Policy Comparisons
Sources
Alliance Risk
- About Us. Alliance Risk; Our Story. Accessed 2026-09-16.
- Tech E&O Insurance. Alliance Risk; Opening placement description; Get Your Tech E&O Risk Review; What We Need for Your Quote; Policy Review. Accessed 2026-09-16.
- Business Owners Policy (BOP). Alliance Risk; What Is a Business Owners Policy?; Who Needs Business Owners Policy?; What Does Business Owners Policy Cover?; What Doesn't Business Owners Policy Cover?; How Much Does Business Owners Policy (BOP) Cost? Accessed 2026-09-23.
- Alliance Products. Alliance Risk; Footer brokerage disclosure: "Alliance Risk is an insurance brokerage focused on providing clients with commercial insurance across a wide array of industries.". Accessed 2026-09-23.
Pie Insurance
- Legal. Pie Insurance; State Licenses; footer disclosure naming producer and workers’ compensation versus third-party underwriting roles. Accessed 2026-09-15.
- Workers’ Comp Insurance For Small Businesses. Pie Insurance; Get a workers’ compensation quote online; insurance made for your small business; quote inputs; coverage description; quote-time and savings qualifications; AM Best link. Accessed 2026-09-16.
- Online Account Tutorial. Pie Insurance; Payment-method updates; instant and custom certificates; policy information; document access; agent-handled custom certificate qualification. Accessed 2026-09-15.
- 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.
Business Owner’s Policy Guide
- Business Interruption and Business Owner Policy. National Association of Insurance Commissioners; Background; General liability, Commercial property and Business interruption bullets. Accessed 2026-09-16.
