Pie Insurance vs TechInsurance Business Owner’s Policy

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.

TechInsurance arranges a business owner's policy (BOP) as a bundle of general liability and commercial property insurance sold at a discount versus buying the two policies separately, according to the company. ⁷Company-reported. Business owner's policy product page.

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.

The reviewed page does not name the issuing insurer for a BOP. ⁷Not publicly disclosed. Business owner's policy product page as read on 2026-09-23.

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.

TechInsurance says small businesses typically qualify for BOP savings if they have fewer than 100 employees, operate in a low-risk industry, earn less than $1 million in yearly revenue, and use a small commercial space. ⁷Company-reported. Business owner's policy product page, Eligibility requirements for a BOP section.

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.

TechInsurance says a BOP covers property damage and business personal property, common third-party accidents (general liability), copyright infringement and defamation claims, theft and vandalism, and product liability claims, but excludes employee injuries, cyberattacks, business vehicles and (without an endorsement) natural-disaster property damage. ⁷Company-reported. Business owner's policy product page; general policy description, not a specific policy form.

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.

TechInsurance says its BOP policyholders pay a median of $83 per month, or about $990 a year, with the exact cost depending on business property value, profession risk, policy limits and deductible, location, employee count and claims history. ⁷Company-reported. Business owner's policy product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table.

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.

You request BOP quotes online through a single application; TechInsurance says licensed agents can help tailor the policy with endorsements, and a certificate of insurance is typically available the same day you buy coverage. ⁷Company-reported. Business owner's policy product page.