---
title: "CNA vs Pie Insurance: Business Owner’s Policy"
description: "Pie describes payroll and temporary-relocation costs after a covered catastrophe; CNA Connect lists income and several property categories with optional endorsements."
canonical: "https://spot.insure/compare/cna-vs-pie-insurance/business-owners-policy"
page-type: "line-comparison"
updated-at: "2026-10-01"
comparison-pair: "cna-vs-pie-insurance"
provider-a: "cna"
provider-b: "pie-insurance"
coverage-line: "business-owners-policy"
---

Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication.

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

## Agent Guide

**What this page is:** Focused comparison of CNA and Pie Insurance for Business Owner’s Policy: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Business Owner’s Policy questions about CNA versus Pie Insurance. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- CNA vs Pie Insurance for Business Owner’s Policy: how do they differ?
- Which is better for Business Owner’s Policy, CNA or Pie Insurance?
- What does CNA or Pie Insurance publish about Business Owner’s Policy (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Business Owner’s Policy from CNA or Pie Insurance?

**Key facts:**
- Line: Business Owner’s Policy. Providers: CNA and Pie Insurance.
- Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- "Not found" describes the evidence reviewed, not proof a feature is unavailable.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date in the Sources section; last updated 2026-10-01. Editorial policy: /editorial-policy.

**Related pages:**
- [CNA vs Pie Insurance](https://spot.insure/compare/cna-vs-pie-insurance) — parent: all coverage lines for this pair
- [Business Owner’s Policy guide](https://spot.insure/coverage/business-owners-policy) — coverage explainer for this line
- [CNA profile](https://spot.insure/insurance-providers/cna) — provider profile (evidence)
- [Pie Insurance profile](https://spot.insure/insurance-providers/pie-insurance) — provider profile (evidence)
- [CNA vs Pie Insurance Cyber Insurance](https://spot.insure/compare/cna-vs-pie-insurance/cyber) — sibling comparison (other line, or other pair for this line)
- [CNA vs Pie Insurance General Liability Insurance](https://spot.insure/compare/cna-vs-pie-insurance/general-liability) — sibling comparison (other line, or other pair for this line)
- [CNA vs Pie Insurance Professional Liability (E&O) Insurance](https://spot.insure/compare/cna-vs-pie-insurance/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [CNA vs Pie Insurance Workers’ Compensation Insurance](https://spot.insure/compare/cna-vs-pie-insurance/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs CNA Business Owner’s Policy](https://spot.insure/compare/alliance-risk-vs-cna/business-owners-policy) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Pie Insurance Business Owner’s Policy](https://spot.insure/compare/alliance-risk-vs-pie-insurance/business-owners-policy) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs CNA Business Owner’s Policy](https://spot.insure/compare/amelia-risk-vs-cna/business-owners-policy) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs Pie Insurance Business Owner’s Policy](https://spot.insure/compare/amelia-risk-vs-pie-insurance/business-owners-policy) — sibling comparison (other line, or other pair for this line)
- [biBerk vs CNA Business Owner’s Policy](https://spot.insure/compare/biberk-vs-cna/business-owners-policy) — sibling comparison (other line, or other pair for this line)
- [biBerk vs Pie Insurance Business Owner’s Policy](https://spot.insure/compare/biberk-vs-pie-insurance/business-owners-policy) — sibling comparison (other line, or other pair for this line)

# CNA vs Pie Insurance: How Do They Compare for Business Owner’s Policy?

Pie describes payroll and temporary-relocation costs after a covered catastrophe; CNA Connect lists income and several property categories with optional endorsements.

## How to Use the CNA vs Pie Insurance Business Owner’s Policy Comparison

Use this comparison to evaluate CNA 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.

## CNA vs Pie Insurance Business Owner’s Policy Summary

Pie describes BOP interruption coverage for payroll and temporary relocation after a covered catastrophe; CNA Connect lists income, buildings, contents, equipment, and 300+ optional endorsements. [2](https://www.cna.com/products/cna-connect "CNA Connect Small Businessowners Policy (BOP) | CNA Insurance") [7](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner's Policy | BOP Insurance")

## CNA Small Business Insurance: Products, Agents and Service

CNA directs small-business buyers to independent agents and describes CNA Connect as a businessowners policy for more than 600 small-business classes. Issuer and availability vary by policy and state, so confirm both in a quote. [1](https://www.cna.com/solutions/small-business "Insurance for Small Businesses") [2](https://www.cna.com/products/cna-connect "CNA Connect Small Businessowners Policy (BOP) | CNA Insurance") [3](https://www.cna.com/cnadisclaimer/generaldisclaimer "General Disclaimer")

[CNA profile](https://spot.insure/insurance-providers/cna)

## What Is Pie Insurance?

Pie suits small businesses seeking workers’ compensation with online quoting and pay-as-you-go billing based on reported payroll, without an initial deposit; firms needing a broad technology or executive program should look elsewhere. [4](https://www.pieinsurance.com/legal "Legal") [5](https://www.pieinsurance.com/workers-comp "Workers’ Comp Insurance For Small Businesses") [6](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 BOP may suit an eligible small business that wants property, liability and lost-income protection together. If you also need auto, workers’ compensation or professional liability, plan for separate coverage. [8](https://content.naic.org/consumer/small-business.htm "Small Business") [9](https://content.naic.org/insurance-topics/business-interruption-and-business-owner-policy "Business Interruption and Business Owner Policy")

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

### Business interruption within the package

Pie describes a BOP combining commercial property and liability with business interruption that can cover payroll and temporary relocation costs after a covered catastrophe. CNA Connect lists income alongside buildings, contents, computer equipment, receivables, and money or securities, with optional endorsements. Ask both for the interruption trigger, restoration period, and any sublimit before comparing the package. [7](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner's Policy | BOP Insurance") [2](https://www.cna.com/products/cna-connect "CNA Connect Small Businessowners Policy (BOP) | CNA Insurance")

### Intermediary route and flexibility

Pie says it helps businesses find a BOP quote from carrier partners and directs buyers to contact it to begin quoting. CNA Connect advertises more than 300 endorsements and adjustable deductibles and limits. Pie’s overview does not name the insurer for an individual quote, so request the carrier and proposed forms before comparing its offer with CNA’s coverage schedule. [7](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner's Policy | BOP Insurance") [2](https://www.cna.com/products/cna-connect "CNA Connect Small Businessowners Policy (BOP) | CNA Insurance")

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

- What interruption costs, trigger, and waiting period appear in each quote? [2](https://www.cna.com/products/cna-connect "CNA Connect Small Businessowners Policy (BOP) | CNA Insurance") [7](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner's Policy | BOP Insurance")
- Which insurer is behind Pie’s offer, and what CNA endorsements match the selected package? [2](https://www.cna.com/products/cna-connect "CNA Connect Small Businessowners Policy (BOP) | CNA Insurance") [7](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner's Policy | BOP Insurance")

## CNA vs Pie Insurance Business Owner’s Policy Compared

| Criteria | CNA Connect Businessowners Policy | Pie Business Owner's Policy (BOP) |
| --- | --- | --- |
| Role in This Line | Confirm in your quote. | 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. [7](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 | Confirm in your quote. | The reviewed page refers only to 'our insurance carrier partners' and does not name a specific insurer for Pie's BOP product. [7](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 | CNA says CNA Connect serves more than 600 small-business classes. [2](https://www.cna.com/products/cna-connect "CNA Connect Small Businessowners Policy (BOP) | CNA Insurance") (Evidence: Company-reported; scope: Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US small-business BOP Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control..) | 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. [7](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 | CNA Connect packages property and general liability exposures including buildings, income, business contents, computer equipment, receivables and money/securities. [2](https://www.cna.com/products/cna-connect "CNA Connect Small Businessowners Policy (BOP) | CNA Insurance") (Evidence: Company-reported; scope: Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US small-business BOP Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control..)<br><br>CNA says CNA Connect has 300+ optional endorsements and adjustable deductibles/limits. [2](https://www.cna.com/products/cna-connect "CNA Connect Small Businessowners Policy (BOP) | CNA Insurance") (Evidence: Company-reported; scope: Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US small-business BOP Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control..) | 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). [7](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 | Confirm in your quote. | The reviewed page does not publish limits, deductibles, or premium ranges for BOP coverage. [7](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..) |
| How to Apply | Confirm in your quote. | 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. [7](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..) |

## Related Pages for CNA vs Pie Insurance Business Owner’s Policy

- [CNA vs Pie Insurance](https://spot.insure/compare/cna-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 owners policy combines property, liability and lost-income protection for eligible small businesses, while auto, workers’ compensation and professional liability may need separate coverage.
- [CNA vs Pie Insurance Cyber Insurance](https://spot.insure/compare/cna-vs-pie-insurance/cyber)
- [CNA vs Pie Insurance General Liability Insurance](https://spot.insure/compare/cna-vs-pie-insurance/general-liability)
- [CNA vs Pie Insurance Professional Liability (E&O) Insurance](https://spot.insure/compare/cna-vs-pie-insurance/professional-errors-omissions)
- [CNA vs Pie Insurance Workers’ Compensation Insurance](https://spot.insure/compare/cna-vs-pie-insurance/workers-compensation)
- [Alliance Risk vs CNA Business Owner’s Policy](https://spot.insure/compare/alliance-risk-vs-cna/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 CNA Business Owner’s Policy](https://spot.insure/compare/amelia-risk-vs-cna/business-owners-policy)
- [Amelia Risk vs Pie Insurance Business Owner’s Policy](https://spot.insure/compare/amelia-risk-vs-pie-insurance/business-owners-policy)
- [biBerk vs CNA Business Owner’s Policy](https://spot.insure/compare/biberk-vs-cna/business-owners-policy)
- [biBerk vs Pie Insurance Business Owner’s Policy](https://spot.insure/compare/biberk-vs-pie-insurance/business-owners-policy)

## Sources for CNA vs Pie Insurance Business Owner’s Policy

### Sources About CNA

1. [Insurance for Small Businesses](https://www.cna.com/solutions/small-business). CNA; Insurance for Small Businesses, lines 38-50 and 65-67 (CNA Central and agent route); lines 79-106 (product and stated appetite lists); page footer line 132 (CNA registered service mark).. Accessed 2026-09-28.
2. [CNA Connect Small Businessowners Policy (BOP) | CNA Insurance](https://www.cna.com/products/cna-connect). CNA; CNA Connect; coverages, product range, services. Accessed 2026-09-28.
3. [General Disclaimer](https://www.cna.com/cnadisclaimer/generaldisclaimer). CNA; General Disclaimer paragraphs 1 and 5 (HTML lines 24 and 28): CNA describes Continental Casualty Company and its relevant affiliates; references to CNA may include one or more CCC affiliates; each particular policy/product/service is the responsibility only of the specific CNA company that issues or supplies it. Footer line 57 identifies CNA Financial Corporation as trademark registrant. Re-read 2026-09-29.. Accessed 2026-09-29.

### Sources About Pie Insurance

4. [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.
5. [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.
6. [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.
7. [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.

### Sources for the Business Owner’s Policy Guide

8. [Small Business](https://content.naic.org/consumer/small-business.htm). National Association of Insurance Commissioners; FAQ: What’s a business owners policy?; What’s general liability insurance. Accessed 2026-09-16.
9. [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 2026-10-01. 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.

## CNA Review Scores for 2026

Review Score: 9.0 / 10 from 1 rated source, equally weighted.

Customer feedback on CNA is mixed and hard to compare. NerdWallet gave it 4.5 out of 5 for manufacturers, while Trustpilot shows about 1.4 out of 5 from 49 mostly self-selected reviews.

- NerdWallet: NerdWallet editorial rating for manufacturers 4.5/5 (Editorial rating). NerdWallet editorial assessment of CNA for U.S. manufacturers, not consumer average. Period: Published 2026-03-26. Checked 2026-09-29. [Best Insurance for Manufacturers in 2026](https://www.nerdwallet.com/business/insurance/learn/manufacturers)
- Trustpilot: Displayed Trustpilot TrustScore 1.4/5 page text; 1.5/5 badge (TrustScore out of 5); 49 reviews. CNA.com profile, mixed business and consumer/LTC reports; self-selected, not representative commercial P&C sample. Period: 14 reviews in prior 12 months; 2026-09-29. Checked 2026-09-29. [CNA customer reviews](https://www.trustpilot.com/review/www.cna.com)
- BBB: BBB customer-review average 1/5 (BBB star rating); 6 reviews. Long Term Care Insurance profile covering headquarters/corporate locations; not commercial P&C; six self-selected reviews. Period: Displayed 2026-09-29. Checked 2026-09-29. [CNA Financial Corporation customer reviews](https://www.bbb.org/us/il/chicago/profile/long-term-care-insurance/cna-financial-corporation-0683-90032439/customer-reviews)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/cna/reviews).

## Pie Insurance Review Scores for 2026

Review Score: 1.7 / 10 from 2 rated sources, equally weighted.

Pie’s service record raises clear concerns: elevated regulator complaints reported by NerdWallet, 1.7/5 on Trustpilot and an F from BBB. Investigate billing, cancellation and complaint handling before buying.

- Trustpilot: TrustScore 1.7 (5 stars); 666 reviews. Brand-level Trustpilot consumer reviews; policy product is generally identified as workers’ compensation, but reviewer policy/entity scope varies. Checked 2026-09-25. [Pie Insurance Reviews - Trustpilot](https://www.trustpilot.com/review/www.pieinsurance.com)
- BBB: BBB Rating F (BBB letter grade). BBB profile for commercial insurance services; BBB grade and complaint-response record, not policy performance measure. Period: BBB profile reports 15 complaints filed, 13 unanswered; complaint data, not reviews. Checked 2026-09-25. [Pie Insurance Services | BBB Business Profile](https://www.bbb.org/us/dc/washington/profile/commercial-insurance-services/pie-insurance-services-0241-236060990)

Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/pie-insurance/reviews).

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/cna-vs-pie-insurance/business-owners-policy.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)