Chubb vs 
Pie Insurance Business Owner’s Policy
Chubb underwrites a BOP; Pie shops carrier-partner quotes and names wind, vandalism and interruption payroll in the bundle.
What Is Chubb?
Chubb is the marketing name for a global insurance group whose U.S. companies underwrite commercial property, casualty, cyber and financial-lines coverage, including technology-focused DigiTech ERM and small-business packages. Founders and finance teams typically work through an appointed agent, then receive a policy issued by a named Chubb-group insurer rather than by the Swiss holding company. 1,2,3
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. 7,8,9
What Is a Business Owner’s Policy?
A business owner’s policy packages property, general liability and business interruption coverage for eligible businesses. 11
Key Differences in Business Owner’s Policy
Underwriter Versus Carrier Partners
Chubb underwrites the BOP. Pie says it helps small businesses find a BOP quote from its insurance carrier partners and does not name a specific insurer. 4 10
Perils and Claims Handling
Pie names commercial property perils including fire, explosion, smoke, vandalism or wind, liability for bodily injury, property damage and advertising injury, and interruption for payroll and temporary relocation after a covered catastrophe. Chubb’s BOP page does not list those named perils in the same way; it focuses on optional enhancements such as privacy and data breach, EPL, foreign liability with kidnap and ransom, equipment breakdown, water backup and crime, and it reports 24/7 claims reporting plus a dedicated Small Commercial claims email. 10 4 6
How a Quote Starts
Pie directs BOP buyers to contact the company through its website and does not describe the three-minute self-service flow it advertises for workers’ compensation. Chubb offers an online BOP quote or an appointed agent. 10 4
What to Confirm in Business Owner’s Policy Quotes
Offering Details
Chubb vs Pie Insurance Business Owner’s Policy: documented features by provider
| Criteria | Chubb Business Owner's Policy (BOP) Insurance | Pie Business Owner's Policy (BOP) |
|---|---|---|
| Role in This Line | Chubb underwrites its Business Owner's Policy directly, combining property and liability coverage into a single package positioned as the foundation of a small business's insurance portfolio. 4Company-reported. Chubb BOP product page; describes Chubb's own packaged small-business offering. | 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. 10Company-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. 10Not publicly disclosed. BOP product page as read on 2026-09-23. |
| Who It’s For | Chubb says its BOP is available to small businesses with up to $30 million in revenue across more than 500 business classes, including technology, healthcare, retail, manufacturing and financial services. 4Company-reported. Chubb BOP eligibility list; a specific business's eligibility depends on underwriting. | 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. 10Company-reported. BOP product page as read on 2026-09-23; no minimum size or industry restriction was published. |
| Coverage Features | Chubb lists optional BOP enhancements including privacy and data breach coverage, employment practices liability, foreign liability with kidnap and ransom, equipment breakdown, water backup and sump overflow, and crime coverage such as forgery and employee dishonesty. 4Company-reported. Chubb BOP coverage-highlights list; availability of any enhancement depends on the issued policy and state. | 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). 10Company-reported. BOP product page as read on 2026-09-23; the issued policy and endorsements control actual coverage. |
| Limits and Retentions | The reviewed BOP page does not publish specific coverage limits, sublimits or deductibles for the base policy or its enhancements. 4Not found in reviewed sources. Chubb BOP product page as read on 2026-09-23. | The reviewed page does not publish limits, deductibles, or premium ranges for BOP coverage. 10Not publicly disclosed. BOP product page as read on 2026-09-23. |
| Risk Services | Chubb markets a 'Total Account Solution' that lets a BOP holder add umbrella, workers' compensation, commercial auto, ForeFront management liability and Cyber ERM/DigiTech ERM coverage from the same carrier. 4Company-reported. Chubb BOP product page; each added line is underwritten and priced separately. | Not described in the reviewed sources. |
| How to Apply | You can request a Chubb BOP quote online, or an appointed independent agent or broker can apply for a Chubb Appointment to place the policy on your behalf. 4Company-reported. Chubb BOP product page call-to-action sections for business owners and for agents and brokers. | 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. 10Company-reported. BOP product page as read on 2026-09-23. |
| Claims Support | Chubb reports 24/7 claims reporting and a dedicated Small Commercial claims email address, and says 93% of policyholders with a paid claim from 2022-2025 were highly satisfied with their claim experience. 6,5Company-reported. Claims and report-a-claim pages describe claims handling across Chubb's commercial book generally, not exclusively for BOP; the satisfaction figure is a company-reported survey result. | Not described in the reviewed sources. |
Full Comparison
More Chubb vs Pie Insurance Comparisons
Other Business Owner’s Policy Comparisons
Sources
Chubb
- Insurance for Technology Companies. Chubb; Commercial package insurance section naming BOP, Benchmarq and Customarq as Chubb's three package policy options for small and midsize businesses. Accessed 2026-09-23.
- Terms Of Use. Chubb; Acceptance of Terms identifying Chubb Group Holdings Inc.; surplus-lines producer restriction; products not available to all users or jurisdictions; Chubb Limited safe-harbor language; Internet Portals for Chubb Business. Accessed 2026-09-16.
- Cyber Insurance Coverage & Products. Chubb; Cyber insurance product catalog: Cyber ERM, DigiTech ERM (technology E&O, media and cyber) and Pro ERM (non-licensed professional services); Marketplace quoting for eligible risks under $100 million revenue; first- and third-party coverage summaries. Accessed 2026-09-16.
- Business Owner's Policy (BOP) Insurance. Chubb; Chubb BOP Insurance Eligibility: up to $30M revenue, 500+ business classes; Chubb BOP Coverage Highlights: optional property and liability enhancements; Total Account Solution: umbrella, workers' compensation, commercial auto, ForeFront, Cyber ERM/DigiTech ERM. Accessed 2026-09-23.
- Report a Claim. Chubb; Email first-notice contacts, including Small Commercial claims.smallbusiness@chubb.com; phone, online and mail reporting options. Accessed 2026-09-23.
- Claims. Chubb; 24/7 claims response; 2,000+ North America Claims Professionals; 93% of clients with a paid claim highly satisfied, based on 2022-2025 survey. 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.
