---
title: "Mylo vs Pie Insurance Business Owner’s Policy"
description: "Mylo and Pie both place a BOP with carrier partners; Mylo names a 40-carrier panel and Pie refers only to unnamed partners."
canonical: "https://spot.insure/compare/mylo-vs-pie-insurance/business-owners-policy"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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# Mylo vs Pie Insurance Business Owner’s Policy

Mylo and Pie both place a BOP with carrier partners; Mylo names a 40-carrier panel and Pie refers only to unnamed partners.

## Research Scope and Use

Use this comparison to evaluate Mylo 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

Mylo and Pie both broker a BOP rather than underwrite it. Mylo cites more than 40 A-rated carriers and names examples; Pie’s BOP page refers only to unnamed insurance carrier partners. [3](https://choosemylo.com/business/product-business-owners-policy "Business Owner's Policy") [1](https://choosemylo.com/business/business-insurance "Business Insurance") [7](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner's Policy | BOP Insurance")

## What Is Mylo Insurance?

Mylo is an independent insurance broker for small and growing businesses. It recommends coverage and compares available quotes from multiple carriers online or with a licensed advisor; the insurer named on the resulting policy provides the coverage. [1](https://choosemylo.com/business/business-insurance "Business Insurance") [2](https://choosemylo.com/our-story "About Mylo")

[Mylo profile](https://spot.insure/insurance-providers/mylo)

## 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. [4](https://www.pieinsurance.com/legal "Legal") [5](https://www.pieinsurance.com/workers-comp "Workers’ Comp Insurance For Small Businesses") [6](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. [8](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

### Broker Role and Carrier Names

Both Mylo and Pie place a BOP with other insurers instead of writing it themselves. Mylo says it partners with more than 40 A-rated commercial carriers and lists Travelers, Liberty Mutual, The Hartford and Hiscox as examples. Pie’s BOP page says quotes come from “our insurance carrier partners” and does not name them. [1](https://choosemylo.com/business/business-insurance "Business Insurance") [7](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner's Policy | BOP Insurance")

### How Business Interruption Is Described

Mylo frames interruption as lost income on an actual-loss-sustained basis during a covered shutdown. Pie describes interruption as payroll and temporary relocation costs after a covered catastrophe. [3](https://choosemylo.com/business/product-business-owners-policy "Business Owner's Policy") [7](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner's Policy | BOP Insurance")

### Starting a Quote

Mylo says you can shop a BOP through its Mind of Mylo tool or by phone with a licensed advisor (844-863-5950), with agents licensed in all 50 states. 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. [1](https://choosemylo.com/business/business-insurance "Business Insurance") [7](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

- Get the issuing carrier name from both Mylo and Pie; Pie’s reviewed page refers only to unnamed partners, and Mylo’s pages do not identify which panel carrier would issue a given BOP. [7](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner's Policy | BOP Insurance") [1](https://choosemylo.com/business/business-insurance "Business Insurance")
- Ask each quote whether interruption is written as actual loss of income, payroll, temporary relocation, or some other basis. [3](https://choosemylo.com/business/product-business-owners-policy "Business Owner's Policy") [7](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner's Policy | BOP Insurance")
- Confirm limits and deductibles in writing; neither Mylo nor Pie publishes them on the reviewed BOP pages. [3](https://choosemylo.com/business/product-business-owners-policy "Business Owner's Policy") [7](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner's Policy | BOP Insurance")
- Confirm how you apply: Pie’s BOP page directs you to contact the company, while Mylo offers Mind of Mylo online or a licensed advisor by phone. [7](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner's Policy | BOP Insurance") [1](https://choosemylo.com/business/business-insurance "Business Insurance")

## Offering Details

| Criteria | Mylo Business Owner's Policy | Pie Business Owner's Policy (BOP) |
| --- | --- | --- |
| Role in This Line | Mylo brokers a business owner's policy by comparing quotes from multiple carriers rather than underwriting the policy itself. [3](https://choosemylo.com/business/product-business-owners-policy "Business Owner's Policy") [1](https://choosemylo.com/business/business-insurance "Business Insurance") (Evidence: Company-reported; scope: BOP product page and the business-insurance overview page..) | 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. [7](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 | Mylo says it partners with more than 40 A-rated commercial insurance carriers and names Travelers, Liberty Mutual, The Hartford and Hiscox as examples, but neither page identifies which carrier would issue a specific business's BOP. [1](https://choosemylo.com/business/business-insurance "Business Insurance") (Evidence: Company-reported; scope: Business-insurance overview page FAQ; the carrier panel is described company-wide, not BOP-specific..) | The reviewed page refers only to 'our insurance carrier partners' and does not name a specific insurer for Pie's BOP product. [7](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 | Mylo's business-insurance overview page lists a BOP among the coverages most owners start with, alongside commercial auto, workers' compensation and commercial umbrella, and says it gives each business a personalized coverage recommendation. [1](https://choosemylo.com/business/business-insurance "Business Insurance") (Evidence: Company-reported; scope: Business-insurance overview page..) | 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. [7](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 | Mylo describes its BOP as bundling three coverages: general liability for third-party bodily injury, property damage and advertising-injury claims; commercial property for damage to a business's building and business personal property from causes such as fire, storm, theft or vandalism; and business interruption for lost income (actual loss sustained) during a covered shutdown. [3](https://choosemylo.com/business/product-business-owners-policy "Business Owner's Policy") (Evidence: Company-reported; scope: BOP product page coverage sections; the issued policy and its exclusions control..)<br><br>Mylo says packaging these three coverages in a BOP instead of buying them separately typically costs less and can provide better coverage than buying each individually. [3](https://choosemylo.com/business/product-business-owners-policy "Business Owner's Policy") (Evidence: Company-reported; scope: BOP product page FAQ; a general company statement, not a quoted savings figure for any specific business..) | 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). [7](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 | Neither the BOP product page nor the business-insurance overview page publishes specific coverage limits, deductibles or premium ranges. [3](https://choosemylo.com/business/product-business-owners-policy "Business Owner's Policy") [1](https://choosemylo.com/business/business-insurance "Business Insurance") (Evidence: Not publicly disclosed; scope: Checked both pages on 2026-09-23..) | The reviewed page does not publish limits, deductibles, or premium ranges for BOP coverage. [7](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..) |
| How to Apply | Mylo says a buyer can shop for a BOP online through its Mind of Mylo recommendation tool or by phone with a licensed advisor (844-863-5950), and that Mylo has agents licensed in all 50 states. [1](https://choosemylo.com/business/business-insurance "Business Insurance") (Evidence: Company-reported; scope: Business-insurance overview page FAQ..) | 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. [7](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

- [Mylo vs Pie Insurance](https://spot.insure/compare/mylo-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.
- [Mylo vs Pie Insurance Cyber Insurance](https://spot.insure/compare/mylo-vs-pie-insurance/cyber)
- [Mylo vs Pie Insurance General Liability Insurance](https://spot.insure/compare/mylo-vs-pie-insurance/general-liability)
- [Mylo vs Pie Insurance Professional Liability (E&O) Insurance](https://spot.insure/compare/mylo-vs-pie-insurance/professional-errors-omissions)
- [Mylo vs Pie Insurance Workers’ Compensation Insurance](https://spot.insure/compare/mylo-vs-pie-insurance/workers-compensation)
- [Alliance Risk vs Mylo Business Owner’s Policy](https://spot.insure/compare/alliance-risk-vs-mylo/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 Mylo Business Owner’s Policy](https://spot.insure/compare/amelia-risk-vs-mylo/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 Mylo Business Owner’s Policy](https://spot.insure/compare/chubb-vs-mylo/business-owners-policy)
- [Chubb vs Pie Insurance Business Owner’s Policy](https://spot.insure/compare/chubb-vs-pie-insurance/business-owners-policy)

## Sources

### Mylo

1. [Business Insurance](https://choosemylo.com/business/business-insurance). Mylo; What insurance does a small business need?; Why Mylo? (40+ top-rated commercial insurance partners, 4.8 Google rating, BBB Accredited); What insurance carriers do you work with?; How do I shop for insurance with Mylo?. Accessed 2026-09-23.
2. [About Mylo](https://choosemylo.com/our-story). Mylo; Your Digital One-Stop Shop; The Broker Advantage; Proven Heritage, Powerful Future; About Mylo FAQs. Accessed 2026-09-15.
3. [Business Owner's Policy](https://choosemylo.com/business/product-business-owners-policy). Mylo; Like you, a BOP can do three things at once!; Coverage #1: general liability; Coverage #2: commercial property; Coverage #3: Business Interruption; Business Owner Policy FAQs. Accessed 2026-09-23.

### Pie Insurance

4. [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.
5. [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.
6. [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.
7. [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

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