---
title: "Amelia Risk vs Pie Insurance Business Owner’s Policy"
description: "Amelia Risk brokers startup and technology BOPs that include hired and non-owned auto; Pie brokers carrier-partner BOPs and describes interruption that can include payroll and relocation."
canonical: "https://spot.insure/compare/amelia-risk-vs-pie-insurance/business-owners-policy"
page-type: "line-comparison"
updated-at: "2026-09-24"
---

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[Human-readable page](https://spot.insure/compare/amelia-risk-vs-pie-insurance/business-owners-policy)

# Amelia Risk vs Pie Insurance Business Owner’s Policy

Amelia Risk brokers startup and technology BOPs that include hired and non-owned auto; Pie brokers carrier-partner BOPs and describes interruption that can include payroll and relocation.

## Research Scope and Use

Use this comparison to evaluate Amelia Risk and Pie Insurance for Business Owner’s Policy against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

Amelia Risk describes a startup and technology BOP that combines property, general liability and hired and non-owned auto. Pie describes a carrier-partner BOP for small businesses, including business interruption that can include payroll and temporary relocation after a covered catastrophe. [4](https://ameliarisk.com/specialties/startups/ "Insurance For Startups") [5](https://ameliarisk.com/specialties/technology/ "Insurance For Technology Companies") [11](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner's Policy | BOP Insurance")

## What Is Amelia Risk?

Amelia Risk is a women-owned San Francisco insurance brokerage that says it designs commercial programs for startups, consumer packaged goods, technology companies, and consumer-product brands by approaching multiple insurers rather than selling a self-serve policy. [1](https://ameliarisk.com/ "Amelia Risk Insurance Brokers") [2](https://ameliarisk.com/specialties/ "Our Specialties") [3](https://ameliarisk.com/about-us/ "About Us")

[Amelia Risk profile](https://spot.insure/insurance-providers/amelia-risk)

## 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. [8](https://www.pieinsurance.com/legal "Legal") [9](https://www.pieinsurance.com/workers-comp "Workers’ Comp Insurance For Small Businesses") [10](https://www.pieinsurance.com/resource-center/online-account-tutorial "Online Account Tutorial")

[Pie Insurance profile](https://spot.insure/insurance-providers/pie-insurance)

## What Is a Business Owner’s Policy?

A business owner’s policy packages property, general liability and business interruption coverage for eligible businesses. [12](https://content.naic.org/insurance-topics/business-interruption-and-business-owner-policy "Business Interruption and Business Owner Policy")

## Key Differences in Business Owner’s Policy

### Intermediaries With Different Bundles

Amelia Risk and Pie both sit between the buyer and an insurer for this line. Amelia Risk’s BOP description includes hired and non-owned auto with property and general liability. Pie describes commercial property for building, inventory and equipment against fire, explosion, smoke, vandalism or wind; commercial liability for bodily injury, property damage and advertising injury; and business interruption for payroll and temporary relocation after a covered catastrophe. [4](https://ameliarisk.com/specialties/startups/ "Insurance For Startups") [11](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner's Policy | BOP Insurance")

Pie refers only to “insurance carrier partners” and does not name a specific BOP insurer. Amelia Risk’s reviewed pages also leave the BOP insurer unnamed. [11](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner's Policy | BOP Insurance") [5](https://ameliarisk.com/specialties/technology/ "Insurance For Technology Companies")

### Who They Market To and How You Start

Amelia Risk lists the BOP on startup and technology pages, not on CPG or consumer-product lists. Pie markets BOP as bundled liability and property for small businesses and cross-sells it alongside workers’ compensation, cyber and commercial auto, directing buyers to contact the company to start a quote rather than using the three-minute self-service flow it advertises for workers’ compensation. [6](https://ameliarisk.com/specialties/cpg/ "Insurance For CPG Companies") [7](https://ameliarisk.com/specialties/consumer-products/ "Consumer Product Insurance") [11](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner's Policy | BOP Insurance")

## What to Confirm in Business Owner’s Policy Quotes

- Ask Pie which carrier partner issued the BOP. [11](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner's Policy | BOP Insurance")
- Ask Amelia Risk whether interruption payroll is on the form, since its listing names hired auto instead. [4](https://ameliarisk.com/specialties/startups/ "Insurance For Startups")
- Compare advertising-injury and wind perils on Pie’s description with Amelia Risk’s property wording. [11](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner's Policy | BOP Insurance") [5](https://ameliarisk.com/specialties/technology/ "Insurance For Technology Companies")
- Neither page publishes BOP limits, deductibles or premiums. [4](https://ameliarisk.com/specialties/startups/ "Insurance For Startups") [11](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner's Policy | BOP Insurance")

## Offering Details

| Criteria | Amelia Risk Businessowners Policy (BOP) Brokerage | Pie Business Owner's Policy (BOP) |
| --- | --- | --- |
| Role in This Line | 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](https://ameliarisk.com/specialties/startups/ "Insurance For Startups") [5](https://ameliarisk.com/specialties/technology/ "Insurance For Technology Companies") (Evidence: Company-reported; scope: 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. [11](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner's Policy | BOP Insurance") (Evidence: Company-reported; scope: BOP product page as read on 2026-09-23..) |
| Issuing Insurer | 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](https://ameliarisk.com/specialties/startups/ "Insurance For Startups") [5](https://ameliarisk.com/specialties/technology/ "Insurance For Technology Companies") (Evidence: Not publicly disclosed; scope: 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. [11](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner's Policy | BOP Insurance") (Evidence: Not publicly disclosed; scope: BOP product page as read on 2026-09-23..) |
| Who It’s For | 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](https://ameliarisk.com/specialties/startups/ "Insurance For Startups") [5](https://ameliarisk.com/specialties/technology/ "Insurance For Technology Companies") [6](https://ameliarisk.com/specialties/cpg/ "Insurance For CPG Companies") [7](https://ameliarisk.com/specialties/consumer-products/ "Consumer Product Insurance") (Evidence: Company-reported; scope: 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. [11](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner's Policy | BOP Insurance") (Evidence: Company-reported; scope: BOP product page as read on 2026-09-23; no minimum size or industry restriction was published..) |
| Coverage Features | Amelia Risk describes its BOP as combining property, general liability, and hired & non-owned auto liability coverage into a single policy. [4](https://ameliarisk.com/specialties/startups/ "Insurance For Startups") [5](https://ameliarisk.com/specialties/technology/ "Insurance For Technology Companies") (Evidence: Company-reported; scope: 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). [11](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner's Policy | BOP Insurance") (Evidence: Company-reported; scope: BOP product page as read on 2026-09-23; the issued policy and endorsements control actual coverage..) |
| Limits and Retentions | Amelia Risk's BOP listings do not publish limits, sublimits or deductibles for the property, general liability or auto components. [4](https://ameliarisk.com/specialties/startups/ "Insurance For Startups") [5](https://ameliarisk.com/specialties/technology/ "Insurance For Technology Companies") (Evidence: Not publicly disclosed; scope: 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. [11](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner's Policy | BOP Insurance") (Evidence: Not publicly disclosed; scope: BOP product page as read on 2026-09-23..) |
| Risk Services | 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](https://ameliarisk.com/specialties/startups/ "Insurance For Startups") [5](https://ameliarisk.com/specialties/technology/ "Insurance For Technology Companies") [2](https://ameliarisk.com/specialties/ "Our Specialties") (Evidence: Not found in reviewed sources; scope: Startup, technology and specialties overview pages as read on 2026-09-23..) | Not described in the reviewed sources. |
| How to Apply | 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. [11](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner's Policy | BOP Insurance") (Evidence: Company-reported; scope: BOP product page as read on 2026-09-23..) |

## Full Comparison

- [Amelia Risk vs Pie Insurance](https://spot.insure/compare/amelia-risk-vs-pie-insurance): all coverage lines, business roles, service and claims.
- [What Is a Business Owner’s Policy?](https://spot.insure/coverage/business-owners-policy): A business owner's policy (BOP) combines property, general liability and business interruption coverage for eligible businesses.
- [Amelia Risk vs Pie Insurance Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-pie-insurance/cyber)
- [Amelia Risk vs Pie Insurance General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-pie-insurance/general-liability)
- [Amelia Risk vs Pie Insurance Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-pie-insurance/workers-compensation)
- [Alliance Risk vs Amelia Risk Business Owner’s Policy](https://spot.insure/compare/alliance-risk-vs-amelia-risk/business-owners-policy)
- [Alliance Risk vs Pie Insurance Business Owner’s Policy](https://spot.insure/compare/alliance-risk-vs-pie-insurance/business-owners-policy)
- [Amelia Risk vs Chubb Business Owner’s Policy](https://spot.insure/compare/amelia-risk-vs-chubb/business-owners-policy)
- [Amelia Risk vs Corgi Business Owner’s Policy](https://spot.insure/compare/amelia-risk-vs-corgi/business-owners-policy)
- [Amelia Risk vs Coterie Insurance Business Owner’s Policy](https://spot.insure/compare/amelia-risk-vs-coterie/business-owners-policy)
- [Amelia Risk vs Coverdash Business Owner’s Policy](https://spot.insure/compare/amelia-risk-vs-coverdash/business-owners-policy)

## Sources

### Amelia Risk

1. [Amelia Risk Insurance Brokers](https://ameliarisk.com/). Amelia Risk Insurance Brokers; Who is Amelia?; specialty tiles for startups, CPG, technology, and consumer products; schema.org Organization name and logo; footer locations San Francisco and East Bay; Client Login Portal, Pay Now, and Privacy links; official logo asset. Accessed 2026-09-16.
2. [Our Specialties](https://ameliarisk.com/specialties/). Amelia Risk Insurance Brokers; Our Process: four steps — understand the business, represent the client to insurers, review quotes and recommendation, client decides. Accessed 2026-09-23.
3. [About Us](https://ameliarisk.com/about-us/). Amelia Risk Insurance Brokers; Opening brokerage description; How we're different (no multiple PDFs to print, sign, and scan); We do the right thing (underwriters, wholesale brokers, and strategic partners). Accessed 2026-09-16.
4. [Insurance For Startups](https://ameliarisk.com/specialties/startups/). Amelia Risk Insurance Brokers; Insurance policies for startups to consider: Businessowners Policy (BOP) — Property, General Liability, Hired & Non-Owned Auto Liability. Accessed 2026-09-23.
5. [Insurance For Technology Companies](https://ameliarisk.com/specialties/technology/). Amelia Risk Insurance Brokers; Insurance policies for tech companies to consider: Businessowners Policy (BOP) — Property, General Liability, Hired & Non-Owned Auto Liability; separate General Liability line also listed. Accessed 2026-09-23.
6. [Insurance For CPG Companies](https://ameliarisk.com/specialties/cpg/). Amelia Risk Insurance Brokers; Insurance policies for CPG companies to consider: no Businessowners Policy line; General Liability and Auto Liability (Owned and Non-Owned & Hired) listed separately instead. Accessed 2026-09-23.
7. [Consumer Product Insurance](https://ameliarisk.com/specialties/consumer-products/). Amelia Risk Insurance Brokers; Insurance policies for Consumer Product companies to consider: no Businessowners Policy line; Auto Liability (Owned and Non-Owned & Hired) listed separately instead. Accessed 2026-09-23.

### Pie Insurance

8. [Legal](https://www.pieinsurance.com/legal). Pie Insurance; State Licenses; footer disclosure naming producer and workers’ compensation versus third-party underwriting roles. Accessed 2026-09-15.
9. [Workers’ Comp Insurance For Small Businesses](https://www.pieinsurance.com/workers-comp). 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.
10. [Online Account Tutorial](https://www.pieinsurance.com/resource-center/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.
11. [Business Owner's Policy | BOP Insurance](https://www.pieinsurance.com/small-business-insurance/business-owners-policy). 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

12. [Business Interruption and Business Owner Policy](https://content.naic.org/insurance-topics/business-interruption-and-business-owner-policy). National Association of Insurance Commissioners; Background; General liability, Commercial property and Business interruption bullets. Accessed 2026-09-16.

Updated 2026-09-24. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

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