---
title: "HUB International vs Pie Insurance Business Owner’s Policy"
description: "Pie describes a three-part BOP from unnamed partners; HUB fine-tunes a property-and-liability package through a broker only."
canonical: "https://spot.insure/compare/hub-international-vs-pie-insurance/business-owners-policy"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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[Human-readable page](https://spot.insure/compare/hub-international-vs-pie-insurance/business-owners-policy)

# 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.

## Research Scope and Use

Use this comparison to evaluate HUB International and Pie Insurance for Business Owner’s Policy against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

Pie helps small businesses quote a BOP from unnamed carrier partners and describes property, liability and business interruption. HUB brokers a combined building-and-liability package, started by contacting a HUB broker, and says an advisor fine-tunes options for the client's line of business. [8](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner's Policy | BOP Insurance") [4](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage")

## 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](https://www.hubinternational.com/about-us/ "About Us") [2](https://www.hubinternational.com/contact-us/ "Contact Us") [3](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies")

[HUB International profile](https://spot.insure/insurance-providers/hub-international)

## 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](https://www.pieinsurance.com/legal "Legal") [6](https://www.pieinsurance.com/workers-comp "Workers’ Comp Insurance For Small Businesses") [7](https://www.pieinsurance.com/resource-center/online-account-tutorial "Online Account Tutorial")

[Pie Insurance profile](https://spot.insure/insurance-providers/pie-insurance)

## What Is a Business Owner’s Policy?

A business owner’s policy packages property, general liability and business interruption coverage for eligible businesses. [9](https://content.naic.org/insurance-topics/business-interruption-and-business-owner-policy "Business Interruption and Business Owner Policy")

## 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](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner's Policy | BOP Insurance") [4](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage")

### 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](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner's Policy | BOP Insurance") [4](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage")

### 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](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") [8](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner's Policy | BOP Insurance")

## What to Confirm in Business Owner’s Policy Quotes

- Ask Pie which carrier partner would issue the BOP. [8](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner's Policy | BOP Insurance")
- Ask HUB which insurer would issue the policy. [4](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage")
- Confirm interruption (payroll, relocation) on both quotes. [8](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner's Policy | BOP Insurance") [4](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage")
- Ask HUB which line-of-business options the advisor would add. [4](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage")

## Offering Details

| 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. [4](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") (Evidence: Company-reported; scope: 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. [8](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner's Policy | BOP Insurance") (Evidence: Company-reported; scope: 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. [4](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") (Evidence: Not found in reviewed sources; scope: 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. [8](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner's Policy | BOP Insurance") (Evidence: Not publicly disclosed; scope: 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. [8](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner's Policy | BOP Insurance") (Evidence: Company-reported; scope: 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. [4](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") (Evidence: Company-reported; scope: 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). [8](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner's Policy | BOP Insurance") (Evidence: Company-reported; scope: 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. [4](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") (Evidence: Not publicly disclosed; scope: 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. [8](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner's Policy | BOP Insurance") (Evidence: Not publicly disclosed; scope: 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. [4](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") (Evidence: Company-reported; scope: 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. [4](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") (Evidence: Company-reported; scope: 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. [8](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner's Policy | BOP Insurance") (Evidence: Company-reported; scope: BOP product page as read on 2026-09-23..) |

## Full Comparison

- [HUB International vs Pie Insurance](https://spot.insure/compare/hub-international-vs-pie-insurance): all coverage lines, business roles, service and claims.
- [What Is a Business Owner’s Policy?](https://spot.insure/coverage/business-owners-policy): A business owner's policy (BOP) combines property, general liability and business interruption coverage for eligible businesses.
- [HUB International vs Pie Insurance Cyber Insurance](https://spot.insure/compare/hub-international-vs-pie-insurance/cyber)
- [HUB International vs Pie Insurance General Liability Insurance](https://spot.insure/compare/hub-international-vs-pie-insurance/general-liability)
- [HUB International vs Pie Insurance Professional Liability (E&O) Insurance](https://spot.insure/compare/hub-international-vs-pie-insurance/professional-errors-omissions)
- [HUB International vs Pie Insurance Workers’ Compensation Insurance](https://spot.insure/compare/hub-international-vs-pie-insurance/workers-compensation)
- [Alliance Risk vs HUB International Business Owner’s Policy](https://spot.insure/compare/alliance-risk-vs-hub-international/business-owners-policy)
- [Alliance Risk vs Pie Insurance Business Owner’s Policy](https://spot.insure/compare/alliance-risk-vs-pie-insurance/business-owners-policy)
- [Amelia Risk vs HUB International Business Owner’s Policy](https://spot.insure/compare/amelia-risk-vs-hub-international/business-owners-policy)
- [Amelia Risk vs Pie Insurance Business Owner’s Policy](https://spot.insure/compare/amelia-risk-vs-pie-insurance/business-owners-policy)
- [Chubb vs HUB International Business Owner’s Policy](https://spot.insure/compare/chubb-vs-hub-international/business-owners-policy)
- [Chubb vs Pie Insurance Business Owner’s Policy](https://spot.insure/compare/chubb-vs-pie-insurance/business-owners-policy)

## Sources

### HUB International

1. [About Us](https://www.hubinternational.com/about-us/). HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16.
2. [Contact Us](https://www.hubinternational.com/contact-us/). HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16.
3. [Insurance for Technology Companies](https://www.hubinternational.com/industries/technology-company-insurance/). 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.
4. [Business Owners Policy (BOP) Company Coverage](https://www.hubinternational.com/products/business-insurance/business-owners-policy/). 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

5. [Legal](https://www.pieinsurance.com/legal). Pie Insurance; State Licenses; footer disclosure naming producer and workers’ compensation versus third-party underwriting roles. Accessed 2026-09-15.
6. [Workers’ Comp Insurance For Small Businesses](https://www.pieinsurance.com/workers-comp). 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.
7. [Online Account Tutorial](https://www.pieinsurance.com/resource-center/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.
8. [Business Owner's Policy | BOP Insurance](https://www.pieinsurance.com/small-business-insurance/business-owners-policy). 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

9. [Business Interruption and Business Owner Policy](https://content.naic.org/insurance-topics/business-interruption-and-business-owner-policy). National Association of Insurance Commissioners; Background; General liability, Commercial property and Business interruption bullets. Accessed 2026-09-16.

Updated 2026-09-23. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

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