Pie Insurance vs 
Simply Business: How Do They Compare for Business Owner’s Policy?
Pie lists building, inventory, and equipment cover for specified events, liability for bodily injury, property damage, and advertising injury, plus interruption expenses such as payroll and temporary relocation after a covered catastrophe. Pie directs buyers to contact it for a BOP quote and does not describe a self-serve three-minute purchase for this line. 4,7
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. 1,2,3
Simply Business: Online Small-Business Insurance Marketplace
Simply Business describes a digital marketplace and licensed-producer service for small businesses. The policy and selected insurer determine coverage, fees, servicing and claims responsibilities. 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 Pie Insurance and Simply Business Business Owner’s Policy?
Buyer Fit and Coverage
Pie lists building, inventory, and equipment cover for specified events, liability for bodily injury, property damage, and advertising injury, plus interruption expenses such as payroll and temporary relocation after a covered catastrophe. Simply Business describes property and general liability as typical BOP parts, with interruption details dependent on the form. Compare the covered causes and interruption conditions. 4 7
How You Get a Quote
Pie directs buyers to contact it for a BOP quote and does not describe a self-serve three-minute purchase for this line. Simply Business describes entering business details and reviewing marketplace offers. Ask Pie how its quote proceeds and ask Simply Business which panel insurer is available. 4 7
What Should You Confirm in Pie Insurance and Simply Business Business Owner’s Policy Quotes?
- Ask Pie Insurance which issuing insurer, exact coverage parts, limits, and endorsements apply to your quote; the published offering does not establish buyer-specific terms. 4
- Ask Simply Business which insurer and issued form support the quote, and confirm the coverage limit and exclusions for your property and occupancy. 7
Pie Insurance and Simply Business 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.
Pie 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 reviewsSimply Business Review Score
Review Score
4 rated sources
Customers disagree about Simply Business. Trustpilot shows 4.3 out of 5 from 1,901 reviews, but BBB customers give it 1.95 from 20 reviews and ConsumerAffairs shows 1.0.[6][10][7]
Read Simply Business reviewsPie Insurance vs Simply Business Business Owner’s Policy Compared
Pie Insurance vs Simply Business: Business Owner’s Policy: documented features by provider
| Criteria | Pie Business Owner's Policy (BOP) | Business owner’s policy (BOP) through Simply Business |
|---|---|---|
| Role in This Line | 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. 4Company-reported. BOP product page as read on 2026-09-23. | Confirm in your quote. |
| Issuing Insurer | The reviewed page refers only to 'our insurance carrier partners' and does not name a specific insurer for Pie's BOP product. 4Not publicly disclosed. BOP product page as read on 2026-09-23. | Confirm in your quote. |
| Who It’s For | 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. 4Company-reported. BOP product page as read on 2026-09-23; no minimum size or industry restriction was published. | Confirm in your quote. |
| Coverage Features | 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). 4Company-reported. BOP product page as read on 2026-09-23; the issued policy and endorsements control actual coverage. | Simply Business describes a BOP as a package that typically combines general liability and property coverage and discusses business-interruption protection. Exact covered property, interruption triggers and exclusions depend on the issued form. 7Company-reported. Company-published business-owners-policy information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer. The company says a standard BOP does not include workers’ compensation or professional liability by default; professional liability may be added in some cases. Check the selected policy and endorsements. 7Company-reported. Company-published business-owners-policy information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer. |
| Limits and Retentions | The reviewed page does not publish limits, deductibles, or premium ranges for BOP coverage. 4Not publicly disclosed. BOP product page as read on 2026-09-23. | Confirm in your quote. |
| How to Apply | 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. 4Company-reported. BOP product page as read on 2026-09-23. | The page describes entering business details and reviewing available quotes through the marketplace. The Terms say coverage and quote availability vary by state, insurer and business, and binding needs panel-member approval. 7,6Company-reported. Company-published business-owners-policy information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer. |
Related Pages for Pie Insurance vs Simply Business
Business Owner’s Policy Pages for Pie Insurance and Simply Business
Other Coverage Lines Compared for Pie Insurance vs Simply Business
Other Business Owner’s Policy Provider Comparisons
Sources for Pie Insurance vs Simply Business Business Owner’s Policy
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 About Simply Business
- Our Small Business Insurance Story. Simply Business; Opening description and audience; digital marketplace, business types and U.S. service. Accessed 2026-09-29.
- Terms of Service. Simply Business; Dated June 30, 2026; §1 lines 22–28; §8 lines 87–113; §10 lines 143–149; §19 line 211. Accessed 2026-09-29.
- Business Owner’s Policy Insurance. Simply Business; Bundle lines 34–38, 218–243; add-on/exclusion discussion lines 226–243; buyer and quote sections. Accessed 2026-09-29.
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.
