Pie Insurance vs The Hartford: How Do They Compare for Business Owner’s Policy?

Pie Insurance describes itself as an intermediary and has buyers contact it to start a BOP quote; The Hartford offers an online BOP quote and reports customers paid an average of $1,687 a year.

The Hartford is the more transparent buy: you can quote its BOP online, budget against a $1,687 yearly average and add workers' comp, auto or data breach. Pie finds a BOP through partner insurers but publishes no prices and starts with a contact request. ^2,¹

What Are the Key Differences Between Pie Insurance and The Hartford Business Owner’s Policy?

Online Quote Versus a Contact Form

The Hartford sells its own BOP combining commercial property, general liability and business income, with an online quote flow and a listed phone number. Its average works out to about $141 a month. Pie gets BOP quotes from partner insurers and asks you to contact it through its website. Its fast three-minute flow is for workers' comp, not the BOP. Pie's BOP page shows no premium, limit or deductible. Choose The Hartford if you want a price today and one insurer for everything; choose Pie if you already buy workers' comp from Pie and want it to shop your BOP. ¹ ²

Extras on One Policy Versus Separate Products

The Hartford adds workers' compensation, professional liability, commercial auto, data-breach coverage and off-premises utility business income on top of its BOP. Pie sells workers' compensation, cyber and commercial auto as separate products on other pages, not as BOP add-ons. ² ¹

How Business Interruption Is Described

Pie's interruption wording mentions payroll and temporary relocation. The Hartford's BOP page uses general business-income language without those details, so check whether payroll is covered if you'd have to close. ² ¹

What Should You Confirm in Pie Insurance and The Hartford Business Owner’s Policy Quotes?

Ask Pie which partner insurer issues the policy, and ask The Hartford which of its companies writes yours. ¹ ³
Treat The Hartford's $1,687 as its own customer average, not a price Pie will match. ²
Check whether interruption covers payroll, relocation, extra expense and lost income on each quote. ¹ ²
Ask which extras (auto, professional liability, data breach) sit on The Hartford's policy versus separate Pie policies. ² ¹

Pie Insurance vs The Hartford Business Owner’s Policy Compared

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)
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. ¹Company-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. ²Company-reported. BOP product page as read 2026-09-23.
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. ¹Company-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. ²Company-reported. BOP product page as read 2026-09-23. Quote availability observed without completing a purchase.
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). ¹Company-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. ²Company-reported. BOP product page as read 2026-09-23.
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. ¹Company-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. ²Company-reported. BOP product page as read 2026-09-23.