Insureon vs 
Pie Insurance: How Do They Compare for Business Owner’s Policy?
What is Insureon?
Insureon describes a small-business insurance agency and broker route with online quote entry and agent support. Its pages market several coverage types, but do not establish which insurer, policy form, state availability, or eligibility applies to a particular buyer. 1,2
What Is Pie Insurance?
Pie suits small businesses seeking workers’ compensation with online quoting and pay-as-you-go billing based on reported payroll, without an initial deposit; firms needing a broad technology or executive program should look elsewhere. 4,5,6
What Is a Business Owner’s Policy?
A BOP may suit an eligible small business that wants property, liability and lost-income protection together. If you also need auto, workers’ compensation or professional liability, plan for separate coverage. 8,9
Key Differences in Business Owner’s Policy
Business interruption expenses named
Pie describes BOP business-interruption coverage for payroll and temporary relocation costs after a covered catastrophe, alongside property and liability protection. Insureon's overview describes the general liability and property combination but says optional coverages and exact terms depend on the quoted policy. A business that needs continuity expenses should ask Insureon whether payroll and relocation appear in its actual form; Pie's description flags them as items to examine, not guaranteed limits. 7 3
Quote route and carrier identity
Pie directs BOP buyers to contact the company through its website and refers to carrier partners without naming the insurer for a particular policy. Insureon offers an online quote request and likewise does not identify the carrier in its general overview. The buyer in either case needs a proposal to know who takes the risk; Pie's cited page does not describe the quick self-service flow it advertises for workers' compensation, so ask how this BOP quote proceeds. 7 3
What to Confirm in Business Owner’s Policy Quotes
Review Scores
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
Insureon
Review Score
4 rated sources
Insureon's ratings are split. Trustpilot shows 4.5 out of 5 from 2,401 reviews, while ConsumerAffairs shows 1.0 from 344.[1][2]
Read Insureon reviewsPie Insurance
Review Score
2 rated sources
Pie’s service record raises clear concerns: elevated regulator complaints reported by NerdWallet, 1.7/5 on Trustpilot and an F from BBB. Investigate billing, cancellation and complaint handling before buying.[1][4][6]
Read Pie Insurance reviewsOffering Details
Insureon vs Pie Insurance: Business Owner’s Policy: documented features by provider
| Criteria | Insureon Business Owner’s Policy | Pie Business Owner's Policy (BOP) |
|---|---|---|
| Role in This Line | Insureon provides an online quote path for small-business BOP insurance; it is a marketplace/agency route, not evidence that Insureon underwrites the policy. 3Company-reported. Insureon’s public marketing page and quote route documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents. | 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. 7Company-reported. BOP product page as read on 2026-09-23. |
| Issuing Insurer | Confirm in your quote. | The reviewed page refers only to 'our insurance carrier partners' and does not name a specific insurer for Pie's BOP product. 7Not publicly disclosed. BOP product page as read on 2026-09-23. |
| Who It’s For | The page describes lower-risk small businesses as common BOP candidates; it does not establish eligibility for a particular business. 3Company-reported. Insureon’s public marketing page and quote route documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents. | 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. 7Company-reported. BOP product page as read on 2026-09-23; no minimum size or industry restriction was published. |
| Coverage Features | The product page describes a BOP as combining general liability and commercial property; optional coverages and exact package terms depend on the quoted policy. 3Company-reported. Insureon’s public marketing page and quote route documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents. | 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). 7Company-reported. BOP product page as read on 2026-09-23; the issued policy and endorsements control actual coverage. |
| Limits and Retentions | The cited public overview does not establish the limits, deductibles, exclusions or form terms that would apply to a specific buyer. 3Not publicly disclosed. Ask for the quote and specimen or issued policy forms before treating a listed feature as covered. | The reviewed page does not publish limits, deductibles, or premium ranges for BOP coverage. 7Not publicly disclosed. BOP product page as read on 2026-09-23. |
| How to Apply | The cited Insureon product page provides an online quote request path; that route does not identify the insurer or guarantee that a quote will be offered or bound. 3Company-reported. Insureon’s public marketing page and quote route documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents. | 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. 7Company-reported. BOP product page as read on 2026-09-23. |
Full Comparison
More Insureon vs Pie Insurance Comparisons
Other Business Owner’s Policy Comparisons
Sources
Insureon
- How Insureon Works. Insureon; Agent/broker and carrier roles (L82-88); application and advertised quote/payment route (L89-97); human support (L98-101). Accessed 2026-09-28.
- General Liability Insurance - Get Online Quotes. Insureon; Coverage/product overview; illustrative third-party claims; quote CTA. Accessed 2026-09-29.
- Business Owner’s Policy, BOP Insurance - Get Online Quotes. Insureon; Product definition L67-L89; qualification examples L90-L105; product liability within BOP liability protection L123-L126; optional coverage FAQ lists endorsements/bundled policies L304-L321; quote route on page. Accessed 2026-09-29.
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
- Small Business. National Association of Insurance Commissioners; FAQ: What’s a business owners policy?; What’s general liability insurance. Accessed 2026-09-16.
- Business Interruption and Business Owner Policy. National Association of Insurance Commissioners; Background; General liability, Commercial property and Business interruption bullets. Accessed 2026-09-16.
