---
title: "HUB International vs Pie Insurance: Business Owner’s Policy"
description: "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."
canonical: "https://spot.insure/compare/hub-international-vs-pie-insurance/business-owners-policy"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "hub-international-vs-pie-insurance"
provider-a: "hub-international"
provider-b: "pie-insurance"
coverage-line: "business-owners-policy"
---

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

## Agent Guide

**What this page is:** Focused comparison of HUB International and Pie Insurance for Business Owner’s Policy: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Business Owner’s Policy questions about HUB International versus Pie Insurance. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- HUB International vs Pie Insurance for Business Owner’s Policy: how do they differ?
- Which is better for Business Owner’s Policy, HUB International or Pie Insurance?
- What does HUB International or Pie Insurance publish about Business Owner’s Policy (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Business Owner’s Policy. Providers: HUB International and Pie Insurance.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-25.

**Related pages:**
- [HUB International vs Pie Insurance](https://spot.insure/compare/hub-international-vs-pie-insurance) — all coverage lines for this pair
- [Business Owner’s Policy guide](https://spot.insure/coverage/business-owners-policy) — how this coverage works
- [HUB International profile](https://spot.insure/insurance-providers/hub-international) — provider profile
- [Pie Insurance profile](https://spot.insure/insurance-providers/pie-insurance) — provider profile

# 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 relocation, while HUB assigns a broker to tailor a property-and-liability package to your line of business.

## HUB International vs Pie Insurance Business Owner’s Policy Summary

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](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner's Policy | BOP Insurance") [1](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage")

## 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](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner's Policy | BOP Insurance") [1](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage")

### 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](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner's Policy | BOP Insurance") [1](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage")

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

- Ask each which insurer issues the policy. [2](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner's Policy | BOP Insurance") [1](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage")
- Ask HUB whether business interruption, including payroll and relocation, is on its quote. [1](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") [2](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner's Policy | BOP Insurance")
- Ask the HUB advisor which options they'd add for your line of business, and what each costs. [1](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage")
- Get dollar limits on both quotes. [2](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner's Policy | BOP Insurance") [1](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage")

## HUB International vs Pie Insurance Business Owner’s Policy Compared

| 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. [1](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. [2](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..) |
| 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. [1](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). [2](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..) |
| 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. [1](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. [2](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..) |

## About HUB International and Pie Insurance and Business Owner’s Policy

- [HUB International company profile](https://spot.insure/insurance-providers/hub-international) · [HUB International customer reviews](https://spot.insure/insurance-providers/hub-international/reviews)
- [Pie Insurance company profile](https://spot.insure/insurance-providers/pie-insurance) · [Pie Insurance customer reviews](https://spot.insure/insurance-providers/pie-insurance/reviews)
- [What Is a Business Owner’s Policy?](https://spot.insure/coverage/business-owners-policy)

## Related Pages for HUB International vs Pie Insurance

- [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 owners policy combines property, liability and lost-income protection for eligible small businesses, while auto, workers’ compensation and professional liability may need separate coverage.
- [HUB International Business Owner’s Policy](https://spot.insure/insurance-providers/hub-international/business-owners-policy)
- [Pie Insurance Business Owner’s Policy](https://spot.insure/insurance-providers/pie-insurance/business-owners-policy)

## Sources for HUB International vs Pie Insurance Business Owner’s Policy

### Sources About HUB International

1. [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.

### Sources About Pie Insurance

2. [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.

Updated 2026-09-25. 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.

## Agent and Developer Resources

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