Amelia Risk vs Pie Insurance Business Owner’s Policy

Amelia Risk lists a Businessowners Policy (BOP) as one of the policies it arranges for startup and technology clients, bundling several coverages under one policy rather than placing them separately. ^4,5Company-reported. Startup and technology specialty pages' policy checklists; does not establish that every client receives a bundled BOP versus separate policies.

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. ¹¹Company-reported. BOP product page as read on 2026-09-23.

The reviewed pages do not name an insurer for the BOP. As a brokerage, Amelia Risk places the policy with an underwriter chosen for the client rather than issuing it itself. ^4,5Not publicly disclosed. Startup and technology specialty pages as read on 2026-09-23; no policy form or declarations page was available for review.

The reviewed page refers only to 'our insurance carrier partners' and does not name a specific insurer for Pie's BOP product. ¹¹Not publicly disclosed. BOP product page as read on 2026-09-23.

Amelia Risk offers the bundled BOP to its startup and technology clients specifically. Its CPG and consumer-product specialty lists do not include a BOP line; they list general liability and auto liability (owned, hired and non-owned) as separate coverages instead. ^4,5,6,7Company-reported. Comparison of the four specialty pages' policy checklists as published; does not establish why the bundling differs by segment.

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. ¹¹Company-reported. BOP product page as read on 2026-09-23; no minimum size or industry restriction was published.

Amelia Risk describes its BOP as combining property, general liability, and hired & non-owned auto liability coverage into a single policy. ^4,5Company-reported. Bulleted policy structure on the startup and technology specialty pages; the issued policy and its forms control actual terms.

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). ¹¹Company-reported. BOP product page as read on 2026-09-23; the issued policy and endorsements control actual coverage.

Amelia Risk's BOP listings do not publish limits, sublimits or deductibles for the property, general liability or auto components. ^4,5Not publicly disclosed. Startup and technology specialty pages as read on 2026-09-23.

The reviewed page does not publish limits, deductibles, or premium ranges for BOP coverage. ¹¹Not publicly disclosed. BOP product page as read on 2026-09-23.

The pages listing the BOP do not describe property inspections, safety programs or other risk-control services tied specifically to the BOP; the only service language is the general claims-advocacy and quote-review process described for all lines. ^4,5,2Not found in reviewed sources. Startup, technology and specialties overview pages as read on 2026-09-23.

Not described in the reviewed sources.

Not described in the reviewed sources.

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. ¹¹Company-reported. BOP product page as read on 2026-09-23.