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

Hiscox is an insurer selling a BOP directly online; Pie Insurance acts as an intermediary with carrier partners and has BOP buyers contact it to start a quote.

You can buy Hiscox's own BOP online in most states and add cyber, hired and non-owned auto or crime. Pie finds you a BOP from partner insurers instead, and its page spells out interruption cover for payroll and temporary relocation. ^5,^4,^1,^2,^3,⁶

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

Buying Online Versus Getting in Touch

Hiscox lets eligible businesses quote and buy its BOP online, except in the seven states its appetite guide lists. Pie asks you to contact it through its website; its three-minute self-service flow is for workers' compensation, not the BOP. Hiscox issues the policy itself, while Pie is an intermediary and doesn't name its partner insurers. Choose Hiscox if you want cover in place today and your state is eligible; choose Pie if you'd rather have someone shop partner insurers for you. ¹ ⁵ ⁴ ⁶

Add-Ons Versus Closure Cover

Hiscox's upgrades are cyber, hired and non-owned auto and commercial crime, tied to the BOP's per-occurrence limit. Pie's page instead details what's in the core package: property against fire, explosion, smoke, vandalism or wind; liability including advertising injury; and interruption cover that can pay payroll and temporary relocation after a covered catastrophe. Hiscox's BOP page doesn't describe interruption that way, so ask. ¹ ⁶

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

Check your state against Hiscox's appetite guide before you start. ⁵
Ask Pie which partner insurer issues the policy. ⁶
Ask Hiscox whether its BOP pays payroll during a shutdown, and compare it with Pie's quote. ⁶ ¹
If staff drive for work or handle cash, check that Hiscox's hired auto or crime upgrade is on the quote. ³ ²

Hiscox vs Pie Insurance Business Owner’s Policy Compared

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

Criteria	Hiscox Business Owner's Policy	Pie Business Owner's Policy (BOP)
Who It’s For	Hiscox's 2026 appetite guide says its business owner's policy is unavailable in Alaska, Florida, Kansas, Ohio, Rhode Island, Washington and West Virginia, a narrower footprint than the 49-state-plus-D.C. availability Hiscox states for its overall online small-business catalogue. ⁵Company-reported. State-exception list as of the 2026 agent appetite guide; does not by itself establish eligibility for a specific class or business.	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. ⁶Company-reported. BOP product page as read on 2026-09-23; no minimum size or industry restriction was published.
How to Apply	Hiscox says eligible buyers can quote and buy a business owner's policy online, and can select add-on coverages such as cyber or commercial crime during that process where available. ¹Company-reported. Company-described online application; eligibility and binding conditions require confirmation on the actual application.	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. ⁶Company-reported. BOP product page as read on 2026-09-23.
Coverage Features	Hiscox describes optional add-ons to its business owner's policy including cyber coverage, hired/non-owned commercial auto, and commercial crime; hired/non-owned auto and commercial crime are described as upgrades tied to the BOP's own occurrence limit and are not sold as standalone Hiscox policies. ^1,^2,³Company-reported. Product-page and upgrade-page descriptions; commercial crime is also stated as not available in all states.	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). ⁶Company-reported. BOP product page as read on 2026-09-23; the issued policy and endorsements control actual coverage.
Role in This Line	Hiscox Inc. sells a business owner's policy directly online to small businesses, combining general liability and commercial property into one package as part of its Hiscox NOW admitted catalogue. ^1,⁴Company-reported. Company-stated online small-business channel.	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. ⁶Company-reported. BOP product page as read on 2026-09-23.