Gallagher vs Pie Insurance Business Owner’s Policy

Pie bundles property, liability and interruption from carrier partners; Gallagher lists GL parts, rented-space property and exclusions.

What Is Gallagher?

Gallagher is a business-insurance broker and risk-management consultancy. Its technology practice serves startups through global enterprises, alongside a separate small-business offering for IT professionals and an executive-risk practice covering D&O and transaction-related coverages. Woodruff Sawyer is now part of Gallagher. ^1,^2,^3,^4,⁵

Read the Gallagher profile

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,^9,¹⁰

Read the Pie Insurance profile

What Is a Business Owner’s Policy?

A business owner’s policy packages property, general liability and business interruption coverage for eligible businesses. ¹²

Read the full coverage guide

Key Differences in Business Owner’s Policy

Intermediaries With Different Bundles

Pie and Gallagher Small Business both sit between you and the insurer on this line. Pie says it finds a BOP from its insurance carrier partners. Gallagher places the package with a partner carrier. Pie's reviewed page does not name those partners; Gallagher's page also leaves the issuer unnamed. ¹¹ ⁶

Interruption Versus a Named Exclusion List

Pie describes commercial property (building, inventory, equipment against fire, explosion, smoke, vandalism or wind), commercial liability (bodily injury, property damage, advertising injury), and business interruption that can include payroll and temporary relocation after a covered catastrophe. Gallagher lists liability parts and rented-space property, then names what the BOP does not cover, without a parallel interruption description on the reviewed page. ¹¹ ⁶

How the Quote Starts

Gallagher publishes an online quote form, a weekday phone line and a callback request. Pie directs buyers to contact the company through its website to start a BOP quote and does not describe the three-minute self-service flow it advertises for workers' compensation. ⁶ ¹¹

What to Confirm in Business Owner’s Policy Quotes

Ask Pie which carrier partner would issue the BOP. ¹¹
Ask Gallagher which partner would issue the policy. ⁶
Confirm whether interruption (payroll, relocation) is on both quotes. ¹¹ ⁶
Compare Gallagher's exclusion list with Pie's issued form. ⁶ ¹¹

Offering Details

Gallagher vs Pie Insurance Business Owner’s Policy: documented features by provider

Criteria	Gallagher Small Business Owner’s Policy	Pie Business Owner's Policy (BOP)
Role in This Line	Gallagher Small Business arranges a business owner's policy as a bundled package rather than underwriting it directly; the policy is placed with one of its partner carriers. ⁶Company-reported. Gallagher Small Business's direct-to-small-business BOP product 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. ¹¹Company-reported. BOP product page as read on 2026-09-23.
Issuing Insurer	The BOP product page does not name the insurer that would issue a given business's policy. ⁶Not publicly disclosed. Checked the BOP product page on 2026-09-23; no carrier is named there for this specific product.	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.
Who It’s For	Gallagher says almost every small business that owns or rents its workspace, holds customer data, employs staff, or owns equipment such as computers and furniture is a candidate for a BOP. ⁶Company-reported. Product page "Do you need a BOP?" criteria; actual acceptance 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. ¹¹Company-reported. BOP product page as read on 2026-09-23; no minimum size or industry restriction was published.
Coverage Features	Gallagher describes the BOP as bundling general liability (bodily injury, third-party property damage, personal and advertising injury, third-party medical expenses, defense costs) with business property coverage for a rented space and the equipment inside it. ⁶Company-reported. Product page coverage overview; the issued policy and its exclusions control. Gallagher lists damage to a business's own equipment and rented property, employee on-the-job injuries, malpractice, employee discrimination or fraud, intentional injury, and failure to protect sensitive information as not covered by the BOP. ⁶Company-reported. Product page "What's NOT covered?" list; exclusions can vary by the carrier and form actually issued.	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.
Limits and Retentions	The BOP product page does not publish limits, deductibles or premium ranges; it directs prospective buyers to request a quote instead. ⁶Not publicly disclosed. Checked the BOP product page 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.
How to Apply	Gallagher offers three ways to start a BOP: an online quote form, a phone line for a small business advisor (1-833-292-9441, Monday through Friday, 8 a.m. to 5 p.m., continental U.S.), or a scheduled callback request. ⁶Company-reported. Product page "Get Covered Now" section.	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.

Full Comparison

More Gallagher vs Pie Insurance Comparisons

Other Business Owner’s Policy Comparisons

Sources

Gallagher

Technology Insurance. Gallagher; Introduction; Solutions and coverages for the technology industry: Technology errors and omissions including cyber, Intellectual property insurance, Product liability, Employee benefits; Data-driven insights; global network. Accessed 2026-09-16.
Insurance for Technology & IT Businesses. Gallagher Small Business; Protection for IT Professionals & Their Technology-Based Businesses; recommended coverage menu, including Surety Bond Programs; Connect With An Advisor. Accessed 2026-09-16.
Executive and Financial Risk Insurance. Gallagher; Opening (insurance broking and placement); three key services; Directors and Officers; IPO and direct listings; Employment Practices; Fiduciary; Employee Dishonesty (Crime) and Fidelity Bond; Kidnap, Ransom and Extortion; M&A Transactional Insurance. Accessed 2026-09-16.
Legal Information. Gallagher Small Business; Producer identification immediately above Quick Links. Accessed 2026-09-16.
Woodruff Sawyer Is Now Gallagher. Gallagher; Opening; Executive and Financial Risk consulting; Continued access to client portals; contact form. Accessed 2026-09-16.
Business Owners Policy. Gallagher Small Business; Coverage Overview; What's covered under the bundle; What's NOT covered?; Do you need a BOP?; Get Covered Now. Accessed 2026-09-23.
Connect With an Advisor. Gallagher Small Business; Form fields from company name through annual revenue; acknowledgment. Accessed 2026-09-16.

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.