What Is Liberty Mutual Business Insurance?
Liberty Mutual spans small-commercial, commercial, specialty, surety, and reinsurance businesses. The insurer and distribution route depend on the product, so check the offer and policy before you compare terms. 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
What Are the Key Differences Between Liberty Mutual and Pie Insurance Business Owner’s Policy?
Interruption Costs in the Package Description
Pie describes its BOP as commercial property and liability plus business-interruption coverage for payroll and temporary relocation after a covered catastrophe. Liberty Mutual's overview describes a property-and-general-liability package and mentions optional cyber or professional-liability additions, without detailing interruption expenses in the reviewed summary. If keeping staff paid or relocating after property damage is material, ask Liberty Mutual's agent whether the offered BOP includes those costs and compare the trigger and period of restoration. 7 3
Brokerage Placement and Quote Start
Pie says it finds BOP quotes from insurance-carrier partners and directs buyers to contact the company through its website to start. Liberty Mutual sells its retail small-business BOP through independent agents. Neither description names a carrier for a specific quote, so buyers should identify the issuing insurer before comparing the policy terms or deciding whether add-ons are separate. 7 3
What Should You Confirm in Liberty Mutual and Pie Insurance Business Owner’s Policy Quotes?
- Ask Pie which carrier is quoting and whether payroll and relocation costs are included, with what limits and restoration period. 7
- Ask Liberty Mutual's agent for its business-interruption coverage and whether the insurer is Liberty Mutual or another company. 3
- Compare covered catastrophe triggers, property values, liability limits, deductibles, and optional lines. 7 3
Liberty Mutual and Pie Insurance Review Scores for 2026
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.
Liberty Mutual Review Score
Review Score
2 rated sources
Customers give Liberty Mutual 4.2 out of 5 on Trustpilot from 3,836 reviews, but that page mixes auto, home and life customers with business ones. For business insurance specifically, NerdWallet gives 3.0 out of 5 and reports more complaints than expected.[4][1]
Read Liberty Mutual reviewsPie Insurance Review Score
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 reviewsLiberty Mutual vs Pie Insurance Business Owner’s Policy Compared
Liberty Mutual vs Pie Insurance: Business Owner’s Policy: documented features by provider
| Criteria | Liberty Mutual Small Business Business Owner’s Policy | Pie Business Owner's Policy (BOP) |
|---|---|---|
| Role in This Line | Liberty Mutual markets a small-business BOP through its retail business channel. 3Company-reported. Liberty Mutual’s cited product or program overview 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 positions the product for small businesses and refers buyers to independent agents; it is not evidence of a mid-market BOP or universal availability. 3Company-reported. Liberty Mutual’s cited product or program overview 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 page describes a BOP combining commercial property and general liability, with optional cyber or professional-liability additions; it distinguishes separate policies such as auto and workers’ compensation. 3Company-reported. Liberty Mutual’s cited product or program overview 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 | Liberty Mutual directs small-business buyers to independent-agent distribution for this BOP. 3Company-reported. Liberty Mutual’s cited product or program overview 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. |
Related Pages for Liberty Mutual vs Pie Insurance
Business Owner’s Policy Pages for Liberty Mutual and Pie Insurance
Other Coverage Lines Compared for Liberty Mutual vs Pie Insurance
Other Business Owner’s Policy Provider Comparisons
Sources for Liberty Mutual vs Pie Insurance Business Owner’s Policy
Sources About Liberty Mutual
- Company Profile. Liberty Mutual Group; Strategic business units paragraph: US Retail Markets (individuals/small businesses; small commercial; countrywide) and Global Risk Solutions (mid-size/large businesses; commercial, specialty, reinsurance, surety; worldwide). Accessed 2026-09-29.
- Commercial Insurance Solutions. Liberty Mutual Business Insurance; Commercial solutions index names commercial auto and fleet, cyber, environmental liability, equipment breakdown, excess and surplus, general liability, healthcare liability, inland marine, management liability, multinational, ocean marine, professional liability, property, reinsurance, surety, umbrella/excess and workers compensation. Disclosure says policy insurer is named when offered, may be an affiliate/subsidiary or surplus-lines insurer; states/jurisdictions and actual policy terms vary. Accessed 2026-09-29.
- Business owner's policy insurance. Liberty Mutual; Opened September 29, 2026. Lines 21–45 describe a small-business BOP combining property and general liability, common coverages, and optional cyber/professional-liability supplements. Lines 53–55 identify independent-agent distribution; lines 113–121 distinguish standalone GL, BOP, commercial package policy and separate commercial auto, workers compensation, farm, and inland marine risks. This is the small-business retail offer, not a mid-market form or issuer-level disclosure. Accessed 2026-09-29.
Sources About 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.
Sources for the 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.
