HUB International vs 
Pie Insurance Business Owner’s Policy
Pie describes a three-part BOP from unnamed partners; HUB fine-tunes a property-and-liability package through a broker only.
What Is HUB International?
HUB International is a North American insurance brokerage that arranges business insurance, employee benefits and related risk services through local offices and specialist practices. Smaller commercial accounts may be sent to Insureon for an online quote; other programs are handled by HUB advisors, with policy terms set by the insurers they use. 1,2,3
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. 5,6,7
What Is a Business Owner’s Policy?
A business owner’s policy packages property, general liability and business interruption coverage for eligible businesses. 9
Key Differences in Business Owner’s Policy
Website Contact Versus HUB Broker
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. HUB directs you to contact a HUB broker and does not describe an online quote. Both sit between you and an unnamed insurer on this line. 8 4
Interruption Versus Gap-Closing Copy
Pie describes commercial property against named perils, commercial liability including advertising injury, and business interruption that can cover payroll and temporary relocation after a covered catastrophe. HUB describes repairing or replacing damaged buildings, equipment, stock, furniture or fixtures plus liability for injury or property-damage claims, and positions the BOP as eliminating gaps between separate property and liability policies. 8 4
Fine-Tuning
HUB says an advisor works with the client to fine-tune options that fit the line of business. Pie markets the BOP as liability and property insurance customized and bundled for small businesses and cross-sells workers' compensation, cyber and commercial auto on other product pages. Neither BOP page publishes limits. 4 8
What to Confirm in Business Owner’s Policy Quotes
Offering Details
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) |
|---|---|---|
| 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. 4Company-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. 8Company-reported. BOP product page as read on 2026-09-23. |
| Issuing Insurer | The BOP product page does not name an issuing insurer; HUB places BOP business with insurers that vary by client and placement. 4Not found in reviewed sources. Checked the BOP product page on 2026-09-23; no carrier is disclosed there. | The reviewed page refers only to 'our insurance carrier partners' and does not name a specific insurer for Pie's BOP product. 8Not publicly disclosed. BOP product page as read on 2026-09-23. |
| Who It’s For | Not described in the reviewed sources. | 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. 8Company-reported. BOP product page as read on 2026-09-23; no minimum size or industry restriction was published. |
| 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. 4Company-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). 8Company-reported. BOP product page as read on 2026-09-23; the issued policy and endorsements control actual coverage. |
| Limits and Retentions | Published coverage limits, deductibles or premium ranges for HUB-placed BOPs were not found on the product page. 4Not publicly disclosed. Checked the BOP product page on 2026-09-23; limits are set on the quote and declarations, not the marketing page. | The reviewed page does not publish limits, deductibles, or premium ranges for BOP coverage. 8Not publicly disclosed. BOP product page as read on 2026-09-23. |
| Risk Services | HUB says an advisor works with the client to fine-tune the BOP with options that fit the client's line of business, and positions the policy as a way to eliminate coverage gaps between separate property and liability policies. 4Company-reported. Product-page marketing copy; no specific risk-control service beyond broker consultation is described. | Not described in the reviewed sources. |
| 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. 4Company-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. 8Company-reported. BOP product page as read on 2026-09-23. |
Full Comparison
More HUB International vs Pie Insurance Comparisons
Other Business Owner’s Policy Comparisons
Sources
HUB International
- About Us. HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16.
- Contact Us. HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16.
- Insurance for Technology Companies. HUB International; Technology Company Insurance & Risk Management: startup, software, hardware and digital-media introduction; Business Coverage and People Protection lists; technology-client count. Accessed 2026-09-16.
- Business Owners Policy (BOP) Company Coverage. HUB International; BOP definition: combination of business property and liability protection for small and mid-size businesses; building and business property insurance section; business liability insurance section; related products; Connect With a Broker. Accessed 2026-09-23.
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.
