Pie Insurance vs 
The Hartford Business Owner’s Policy
Pie places a BOP with unnamed partners; The Hartford writes its own bundle and reports a $1,687 average annual premium.
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. 1,2,3
What Is The Hartford?
The Hartford is the brand of The Hartford Insurance Group, Inc., whose subsidiaries underwrite property-and-casualty insurance and employee benefits. Small-business buyers can start online or by phone or work through independent agents, while the issuing company and state eligibility still have to be confirmed on a quote. 5,6,7
What Is a Business Owner’s Policy?
A business owner’s policy packages property, general liability and business interruption coverage for eligible businesses. 9
Key Differences in Business Owner’s Policy
Partner Placement Versus Hartford Underwriting
Pie says BOP quotes come from its insurance carrier partners, so Pie is not the underwriter on this line. The Hartford sells the BOP as its own product that bundles commercial property, general liability and business income, though which Hartford subsidiary issues a given policy is not named on the BOP page. 4 8 5
Cost Figures and Extra Lines
The Hartford reports an average of $1,687 a year (about $141 a month) for a BOP. Pie’s reviewed page publishes no premium, limit or deductible figures. The Hartford also lists workers’ compensation, professional liability, commercial auto, data-breach coverage and off-premises utility business-income as add-ons. Pie cross-sells workers’ compensation, cyber and commercial auto on other small-business pages rather than as BOP endorsements on the BOP page. 8 4
Starting the Quote
The Hartford offers an online BOP quote flow and a listed phone number. 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. Pie’s interruption wording emphasizes payroll and temporary relocation; The Hartford uses business-income (interruption) language without those payroll details on the BOP page. 8 4
What to Confirm in Business Owner’s Policy Quotes
- Ask Pie which partner carrier issues the policy, and ask The Hartford which subsidiary writes yours. 4 5
- Treat Hartford’s $1,687 average as a company statistic, not Pie’s price. 8
- Compare whether interruption covers payroll, relocation, extra expense or lost income on each form. 4 8
- Ask which extra lines (auto, professional liability, data breach) sit on the Hartford quote versus separate Pie products. 8 4
Offering Details
Pie Insurance vs The Hartford Business Owner’s Policy: documented features by provider
| Criteria | Pie Business Owner's Policy (BOP) | The Hartford Business Owner's Policy (BOP) |
|---|---|---|
| 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. | The Hartford's BOP bundles commercial property insurance, general liability insurance and business income (interruption) coverage into one policy, rather than requiring three separate policies. 8Company-reported. BOP product page as read 2026-09-23. |
| 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. | The BOP page does not name which Hartford property-and-casualty subsidiary would issue a given buyer's policy; the Legal Notice says coverages may be offered by one or more of several listed subsidiaries depending on product and jurisdiction. 8,5Not publicly disclosed. BOP page and Legal Notice as read 2026-09-23. |
| 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. | The Hartford says a BOP fits a business that has a physical location, faces a possibility of being sued, or has assets that could be stolen or damaged, and can be customized for specific industries. 8Company-reported. BOP product page as read 2026-09-23. |
| 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. | The Hartford says a BOP does not itself include workers' compensation, professional liability, commercial auto or data breach coverage, but these can be added on top of the base policy, along with off-premises utility business-income coverage. 8Company-reported. BOP product page as read 2026-09-23. |
| 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. | The Hartford reports its customers paid an average of $1,687 a year (about $141 a month) for a BOP; the page does not publish standard coverage limits or deductibles, since actual limits are set at quote or issue. 8Company-reported. Company-reported average as of 2026-09-23; described on the page as an estimate, not a quote for any specific business. |
| 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 Hartford offers an online quote flow for a BOP, described as customizable by adding coverages; buyers can also call a listed phone number to start a quote. 8Company-reported. BOP product page as read 2026-09-23. Quote availability observed without completing a purchase. |
Full Comparison
More Pie Insurance vs The Hartford Comparisons
Other Business Owner’s Policy Comparisons
Sources
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.
The Hartford
- Legal Notice. The Hartford; P&C writing-company table; statement that coverages may be offered by one or more subsidiaries of The Hartford Insurance Group, Inc. Accessed 2026-09-23.
- SaaS Insurance for Your Business. The Hartford; Audience list (software startups, SaaS, IT consulting); Get a Business Owner’s Policy; What Is Business Owner’s Policy Insurance?; general liability introduction and Get a Quote; Get Commercial Property Insurance; Commercial Property Insurance for Your Business; Benefits of The Hartford’s WC Insurance for Employers and Employees; cyber insurance and data breach descriptions; Get a quote for cyber insurance; EPLI introduction and Private Choice Premier; add-ons (workers’ compensation, data breach, commercial auto); technology professional liability mention; small-business availability banner; industry-average premium footnote; footnote 2 state restrictions; footer product-availability disclosure. Accessed 2026-09-16.
- Find a Local Insurance Agent. The Hartford; Small-business and midsize agent locators; FAQ that buyers can purchase without an agent by calling or quoting online; statement that agents may charge fees. Accessed 2026-09-16.
- Business Owner's Policy (BOP) Insurance. The Hartford; What Is Business Owner's Policy Insurance?; What Is Included in a Business Owner's Policy?; Additional Coverages You Can Add; Who Needs a Business Owner's Policy?; How Much Does a BOP Cost?; BOP vs. General Liability comparison. Accessed 2026-09-23.
Business Owner’s Policy Guide
- Business Interruption and Business Owner Policy. National Association of Insurance Commissioners; Background; General liability, Commercial property and Business interruption bullets. Accessed 2026-09-16.
