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

Both are intermediaries. HUB International has an advisor fine-tune the BOP to your line of business; Pie Insurance has buyers contact it to start a quote through its website.

Pie's BOP includes business interruption that can pay payroll and temporary relocation after a covered disaster. HUB gives you a broker who tailors a building-and-liability package to your line of business, with no online quote. ^2,¹

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

Published Closure Cover Versus a Broker Who Customizes

Pie lists the pieces: property against named perils, liability including advertising injury, and interruption for payroll and relocation. HUB describes paying to repair or replace buildings, equipment, stock, furniture and fixtures, plus liability for injury and property-damage claims. It pitches the BOP as closing gaps between separate property and liability policies, and its page doesn't mention interruption. On published coverage, Pie is clearer about keeping you running after a loss. Choose Pie if payroll during a shutdown is your main worry; choose HUB if your line of business needs options tailored by an advisor rather than an off-the-shelf bundle. ² ¹

Neither Lets You Buy Online

Both start with a conversation. Pie's BOP begins with a website contact request; its three-minute self-service flow covers workers' compensation, not this line. Pie also sells workers' compensation, cyber and commercial auto if you want more lines from the same place. HUB routes you to one of its brokers. Neither page names the insurer or publishes limits. ² ¹

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

Ask each which insurer issues the policy. ² ¹
Ask HUB whether business interruption, including payroll and relocation, is on its quote. ¹ ²
Ask the HUB advisor which options they'd add for your line of business, and what each costs. ¹
Get dollar limits on both quotes. ² ¹

HUB International vs Pie Insurance Business Owner’s Policy Compared

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

Criteria	HUB International Business Owners Policy Brokerage	Pie Business Owner's Policy (BOP)
How to Apply	HUB directs prospects to contact a HUB broker to get started on a BOP; no online quote or self-serve bind flow is described on the page. ¹Company-reported. Product-page call to action as read 2026-09-23.	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. ²Company-reported. BOP product page as read on 2026-09-23.
Coverage Features	HUB describes its BOP as combining building and business-property insurance, which repairs or replaces damaged buildings, equipment, stock, furniture or fixtures, with business liability insurance for injury or property-damage claims caused by the business or its employees. ¹Company-reported. Product-page description of the two BOP components; the issued policy and its exclusions control an actual claim.	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). ²Company-reported. BOP product page as read on 2026-09-23; the issued policy and endorsements control actual coverage.
Role in This Line	HUB brokers business owners policies rather than underwriting them, placing a combined property-and-liability package with an insurer on the client's behalf. ¹Company-reported. BOP product page as read 2026-09-23; the page does not name an issuing insurer.	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. ²Company-reported. BOP product page as read on 2026-09-23.