Hiscox vs Pie Insurance Business Owner’s Policy

Hiscox underwrites admitted BOPs with named upgrades; Pie quotes unnamed carrier partners and includes interruption in its description.

What Is Hiscox?

Hiscox is a U.S. small-business insurance brand whose website is operated by Hiscox Inc., a Delaware producer that does business in California as Hiscox Insurance Agency. Eligible firms can quote general liability, professional liability, cyber and a business owner’s policy online; other advertised lines are often placed with partner insurers, so the issuing company on each quote still has to be checked. ^1,^2,³

Read the Hiscox 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

Hiscox NOW Versus Carrier Partners

Hiscox Inc. sells an admitted BOP underwritten by Hiscox Insurance Company Inc. Pie identifies itself as an intermediary that finds a BOP from its insurance carrier partners and does not name those partners on the reviewed page. ³ ⁷ ¹¹

Upgrades Versus Interruption Language

Hiscox describes optional cyber, hired/non-owned auto and commercial crime tied to the BOP occurrence limit. Pie describes commercial property against fire, explosion, smoke, vandalism or wind; commercial liability including advertising injury; and business interruption that can include payroll and temporary relocation after a covered catastrophe. Hiscox's reviewed BOP page does not use that interruption description. ⁴ ¹¹

Online Purchase Versus Website Contact

Eligible Hiscox buyers can quote and buy online except in the seven states listed in the appetite guide. 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. ⁴ ⁷ ¹¹

What to Confirm in Business Owner’s Policy Quotes

Confirm Hiscox BOP availability in your state. ⁷
Ask Pie which carrier partner would issue the policy. ¹¹
Compare interruption on Pie's quote with the Hiscox package. ¹¹ ⁴
Check whether Hiscox crime or hired/non-owned auto is attached. ⁶ ⁵

Offering Details

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

Criteria	Hiscox Business Owner's Policy	Pie Business Owner's Policy (BOP)
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. ^4,³Company-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. ¹¹Company-reported. BOP product page as read on 2026-09-23.
Issuing Insurer	Hiscox's appetite guide and About Hiscox US page name Hiscox Insurance Company Inc. (NAIC 10200) as the underwriter of admitted Hiscox NOW business owner's policies. ^7,³Company-reported. Admitted small-business BOP coverage as described in company materials; the exact contracting entity for a particular state or channel should be confirmed on the quote.	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	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. ⁷Company-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. ¹¹Company-reported. BOP product page as read on 2026-09-23; no minimum size or industry restriction was published.
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. ^4,^5,⁶Company-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). ¹¹Company-reported. BOP product page as read on 2026-09-23; the issued policy and endorsements control actual coverage.
Limits and Retentions	The BOP page does not publish standard coverage limits; the illustrative California IT/technology consultant pricing table on the page is explicitly labeled illustrative rather than a quote. ⁴Not publicly disclosed. Public product page as previously reviewed.	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	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. ⁴Company-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. ¹¹Company-reported. BOP product page as read on 2026-09-23.

Full Comparison

More Hiscox vs Pie Insurance Comparisons

Other Business Owner’s Policy Comparisons

Sources

Hiscox

Website Terms & Conditions of Use. Hiscox; Last modified May 28, 2024; Hiscox Inc. as Delaware corporation headquartered in Atlanta, d/b/a Hiscox Insurance Agency in CA, licensed intermediary for admitted and surplus-lines business with Hiscox Insurance Company Inc., other domestic insurers, and Lloyd’s syndicates; small-business online path distinguished from broker-only site sections. Accessed 2026-09-16.
Get A Small Business Insurance Quote. Hiscox; States that Hiscox offers general liability, professional liability, cyber security and business owner’s policies online; zip-code quote field; licensed-agent hours Monday–Friday 7 a.m.–10 p.m. ET and Saturday–Sunday 8 a.m.–5 p.m. ET. Accessed 2026-09-16.
About Hiscox US Insurance. Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16.
Business Owner's Policy Insurance (BOP) Coverage. Hiscox; BOP as combined general liability and commercial property; optional packages including cyber, non-owned commercial auto, commercial crime and professional liability; illustrative California IT/technology consultant pricing table; worldwide-coverage qualifications. Accessed 2026-09-16.
Non-Owned Car Liability Insurance. Hiscox; Hired/non-owned auto described as an upgrade to a business owner's policy and part of that policy's occurrence limit, not coverage for vehicles owned or regularly operated by the business. Accessed 2026-09-16.
Commercial crime insurance for small businesses. Hiscox; Commercial crime as a BOP upgrade not sold separately; not available in all states. Accessed 2026-09-16.
Hiscox US Agent Appetite Guide. Hiscox; Hiscox NOW admitted GL, PL, cyber and BOP underwritten by Hiscox Insurance Company Inc.; state exceptions including BOP unavailable in Alaska, Florida, Kansas, Ohio, Rhode Island, Washington and West Virginia. 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.