---
title: "Pie Insurance vs Simply Business: Business Owner’s Policy"
description: "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."
canonical: "https://spot.insure/compare/pie-insurance-vs-simply-business/business-owners-policy"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "pie-insurance-vs-simply-business"
provider-a: "pie-insurance"
provider-b: "simply-business"
coverage-line: "business-owners-policy"
---

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

## Agent Guide

**What this page is:** Focused comparison of Pie Insurance and Simply Business 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 Pie Insurance versus Simply Business. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Pie Insurance vs Simply Business for Business Owner’s Policy: how do they differ?
- Which is better for Business Owner’s Policy, Pie Insurance or Simply Business?
- What does Pie Insurance or Simply Business publish about Business Owner’s Policy (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Business Owner’s Policy from Pie Insurance or Simply Business?

**Key facts:**
- Line: Business Owner’s Policy. Providers: Pie Insurance and Simply Business.
- Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- "Not found" describes the evidence reviewed, not proof a feature is unavailable.
- 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 in the Sources section; last updated 2026-09-30. Editorial policy: /editorial-policy.

**Related pages:**
- [Pie Insurance vs Simply Business](https://spot.insure/compare/pie-insurance-vs-simply-business) — parent: all coverage lines for this pair
- [Business Owner’s Policy guide](https://spot.insure/coverage/business-owners-policy) — coverage explainer for this line
- [Pie Insurance profile](https://spot.insure/insurance-providers/pie-insurance) — provider profile (evidence)
- [Simply Business profile](https://spot.insure/insurance-providers/simply-business) — provider profile (evidence)
- [Pie Insurance vs Simply Business Cyber Insurance](https://spot.insure/compare/pie-insurance-vs-simply-business/cyber) — sibling comparison (other line, or other pair for this line)
- [Pie Insurance vs Simply Business General Liability Insurance](https://spot.insure/compare/pie-insurance-vs-simply-business/general-liability) — sibling comparison (other line, or other pair for this line)
- [Pie Insurance vs Simply Business Professional Liability (E&O) Insurance](https://spot.insure/compare/pie-insurance-vs-simply-business/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Pie Insurance vs Simply Business Workers’ Compensation Insurance](https://spot.insure/compare/pie-insurance-vs-simply-business/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Pie Insurance Business Owner’s Policy](https://spot.insure/compare/alliance-risk-vs-pie-insurance/business-owners-policy) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Simply Business Business Owner’s Policy](https://spot.insure/compare/alliance-risk-vs-simply-business/business-owners-policy) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs Pie Insurance Business Owner’s Policy](https://spot.insure/compare/amelia-risk-vs-pie-insurance/business-owners-policy) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs Simply Business Business Owner’s Policy](https://spot.insure/compare/amelia-risk-vs-simply-business/business-owners-policy) — sibling comparison (other line, or other pair for this line)
- [biBerk vs Pie Insurance Business Owner’s Policy](https://spot.insure/compare/biberk-vs-pie-insurance/business-owners-policy) — sibling comparison (other line, or other pair for this line)
- [biBerk vs Simply Business Business Owner’s Policy](https://spot.insure/compare/biberk-vs-simply-business/business-owners-policy) — sibling comparison (other line, or other pair for this line)

# 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.

## How to Use the Pie Insurance vs Simply Business Business Owner’s Policy Comparison

Use this comparison to evaluate Pie Insurance and Simply Business 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.

## Pie Insurance vs Simply Business Business Owner’s Policy Summary

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](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner's Policy | BOP Insurance") [7](https://www.simplybusiness.com/business-insurance/business-owners-policy-insurance/ "Business Owner’s Policy Insurance")

## 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](https://www.pieinsurance.com/legal "Legal") [2](https://www.pieinsurance.com/workers-comp "Workers’ Comp Insurance For Small Businesses") [3](https://www.pieinsurance.com/resource-center/online-account-tutorial "Online Account Tutorial")

[Pie Insurance profile](https://spot.insure/insurance-providers/pie-insurance)

## 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](https://www.simplybusiness.com/about-us/ "Our Small Business Insurance Story") [6](https://www.simplybusiness.com/terms-conditions/ "Terms of Service")

[Simply Business profile](https://spot.insure/insurance-providers/simply-business)

## 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](https://content.naic.org/consumer/small-business.htm "Small Business") [9](https://content.naic.org/insurance-topics/business-interruption-and-business-owner-policy "Business Interruption and Business Owner Policy")

## 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](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner's Policy | BOP Insurance") [7](https://www.simplybusiness.com/business-insurance/business-owners-policy-insurance/ "Business Owner’s Policy Insurance")

### 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](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner's Policy | BOP Insurance") [7](https://www.simplybusiness.com/business-insurance/business-owners-policy-insurance/ "Business Owner’s Policy Insurance")

## 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](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner's Policy | BOP Insurance")
- Ask Simply Business which insurer and issued form support the quote, and confirm the coverage limit and exclusions for your property and occupancy. [7](https://www.simplybusiness.com/business-insurance/business-owners-policy-insurance/ "Business Owner’s Policy Insurance")

## Pie Insurance vs Simply Business Business Owner’s Policy Compared

| 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. [4](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..) | 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. [4](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..) | 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. [4](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..) | 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). [4](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..) | 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. [7](https://www.simplybusiness.com/business-insurance/business-owners-policy-insurance/ "Business Owner’s Policy Insurance") (Evidence: Company-reported; scope: Company-published business-owners-policy information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer..)<br><br>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. [7](https://www.simplybusiness.com/business-insurance/business-owners-policy-insurance/ "Business Owner’s Policy Insurance") (Evidence: Company-reported; scope: 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. [4](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..) | 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. [4](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 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](https://www.simplybusiness.com/business-insurance/business-owners-policy-insurance/ "Business Owner’s Policy Insurance") [6](https://www.simplybusiness.com/terms-conditions/ "Terms of Service") (Evidence: Company-reported; scope: 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

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

## Sources for Pie Insurance vs Simply Business Business Owner’s Policy

### Sources About Pie Insurance

1. [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.
2. [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.
3. [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.
4. [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.

### Sources About Simply Business

5. [Our Small Business Insurance Story](https://www.simplybusiness.com/about-us/). Simply Business; Opening description and audience; digital marketplace, business types and U.S. service.. Accessed 2026-09-29.
6. [Terms of Service](https://www.simplybusiness.com/terms-conditions/). 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.
7. [Business Owner’s Policy Insurance](https://www.simplybusiness.com/business-insurance/business-owners-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

8. [Small Business](https://content.naic.org/consumer/small-business.htm). National Association of Insurance Commissioners; FAQ: What’s a business owners policy?; What’s general liability insurance. Accessed 2026-09-16.
9. [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 2026-09-30. 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.

## Pie Insurance Review Scores for 2026

Review Score: 1.7 / 10 from 2 rated sources, equally weighted.

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.

- Trustpilot: TrustScore 1.7 (5 stars); 666 reviews. Brand-level Trustpilot consumer reviews; policy product is generally identified as workers’ compensation, but reviewer policy/entity scope varies. Checked 2026-09-25. [Pie Insurance Reviews - Trustpilot](https://www.trustpilot.com/review/www.pieinsurance.com)
- BBB: BBB Rating F (BBB letter grade). BBB profile for commercial insurance services; BBB grade and complaint-response record, not policy performance measure. Period: BBB profile reports 15 complaints filed, 13 unanswered; complaint data, not reviews. Checked 2026-09-25. [Pie Insurance Services | BBB Business Profile](https://www.bbb.org/us/dc/washington/profile/commercial-insurance-services/pie-insurance-services-0241-236060990)

Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/pie-insurance/reviews).

## Simply Business Review Scores for 2026

Review Score: 5.7 / 10 from 4 rated sources, equally weighted.

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.

- Trustpilot: TrustScore 4.3 (out of 5); 1901 reviews. Simply Business US Trustpilot profile. Reviews are not tied to a specific insurance line or insurer. Period: profile accessed 2026-09-29; 419 in last 12 months. Checked 2026-09-29. [Simply Business US Reviews](https://www.trustpilot.com/review/simplybusiness.com)
- ConsumerAffairs: ConsumerAffairs header rating 1.0 (out of 5 (breakdown conflicts with review filters)); 148 reviews. ConsumerAffairs Simply Business page, broad business-insurance context; not line-specific. Period: page updated 2026-09-17; denominator unresolved. Checked 2026-09-29. [Simply Business Reviews](https://www.consumeraffairs.com/insurance/simply-business.html)
- BBB: BBB business grade B+ (BBB letter grade). BBB profile classifies Simply Business as an insurance agency; business grade, consumer-review average and complaint ledger are separate measures, none is line-specific. Period: profile accessed 2026-09-29. Checked 2026-09-29. [Simply Business BBB Business Profile](https://www.bbb.org/us/ma/boston/profile/insurance-agency/simply-business-0021-539591); [Simply Business BBB Complaints](https://www.bbb.org/us/ma/boston/profile/insurance-agency/simply-business-0021-539591/complaints); [Simply Business BBB Customer Reviews](https://www.bbb.org/us/ma/boston/profile/insurance-agency/simply-business-0021-539591/customer-reviews)
- BBB: BBB customer review average 1.95 (out of 5); 20 reviews. BBB customer-review average for the Simply Business profile (Boston, MA). Separate from the business grade. Period: BBB review page checked 2026-09-29. Checked 2026-09-29. [Simply Business BBB Customer Reviews](https://www.bbb.org/us/ma/boston/profile/insurance-agency/simply-business-0021-539591/customer-reviews)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/simply-business/reviews).

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/pie-insurance-vs-simply-business/business-owners-policy.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
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