---
title: "Pie Insurance vs The Hartford Business Owner’s Policy"
description: "Pie places a BOP with unnamed partners; The Hartford writes its own bundle and reports a $1,687 average annual premium."
canonical: "https://spot.insure/compare/pie-insurance-vs-the-hartford/business-owners-policy"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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# 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.

## Research Scope and Use

Use this comparison to evaluate Pie Insurance and The Hartford 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.

## Summary

Pie helps small businesses quote a BOP from unnamed carrier partners. The Hartford sells its own property, general-liability and business-income BOP, reports an average of $1,687 a year among customers, and lists workers’ compensation, professional liability, auto and data-breach cover as add-ons. [4](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner's Policy | BOP Insurance") [8](https://www.thehartford.com/business-owners-policy "Business Owner's Policy (BOP) Insurance")

## 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](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)

## 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](https://www.thehartford.com/legal-notice "Legal Notice") [6](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") [7](https://www.thehartford.com/find-an-agent "Find a Local Insurance Agent")

[The Hartford profile](https://spot.insure/insurance-providers/the-hartford)

## What Is a Business Owner’s Policy?

A business owner’s policy packages property, general liability and business interruption coverage for eligible businesses. [9](https://content.naic.org/insurance-topics/business-interruption-and-business-owner-policy "Business Interruption and Business Owner Policy")

## 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](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner's Policy | BOP Insurance") [8](https://www.thehartford.com/business-owners-policy "Business Owner's Policy (BOP) Insurance") [5](https://www.thehartford.com/legal-notice "Legal Notice")

### 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](https://www.thehartford.com/business-owners-policy "Business Owner's Policy (BOP) Insurance") [4](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner's Policy | BOP Insurance")

### 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](https://www.thehartford.com/business-owners-policy "Business Owner's Policy (BOP) Insurance") [4](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner's Policy | BOP Insurance")

## 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](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner's Policy | BOP Insurance") [5](https://www.thehartford.com/legal-notice "Legal Notice")
- Treat Hartford’s $1,687 average as a company statistic, not Pie’s price. [8](https://www.thehartford.com/business-owners-policy "Business Owner's Policy (BOP) Insurance")
- Compare whether interruption covers payroll, relocation, extra expense or lost income on each form. [4](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner's Policy | BOP Insurance") [8](https://www.thehartford.com/business-owners-policy "Business Owner's Policy (BOP) Insurance")
- Ask which extra lines (auto, professional liability, data breach) sit on the Hartford quote versus separate Pie products. [8](https://www.thehartford.com/business-owners-policy "Business Owner's Policy (BOP) Insurance") [4](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner's Policy | BOP Insurance")

## Offering Details

| 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. [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 Hartford's BOP bundles commercial property insurance, general liability insurance and business income (interruption) coverage into one policy, rather than requiring three separate policies. [8](https://www.thehartford.com/business-owners-policy "Business Owner's Policy (BOP) Insurance") (Evidence: Company-reported; scope: 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. [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..) | 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](https://www.thehartford.com/business-owners-policy "Business Owner's Policy (BOP) Insurance") [5](https://www.thehartford.com/legal-notice "Legal Notice") (Evidence: Not publicly disclosed; scope: 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. [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..) | 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. [8](https://www.thehartford.com/business-owners-policy "Business Owner's Policy (BOP) Insurance") (Evidence: Company-reported; scope: 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). [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..) | 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. [8](https://www.thehartford.com/business-owners-policy "Business Owner's Policy (BOP) Insurance") (Evidence: Company-reported; scope: 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. [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..) | 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. [8](https://www.thehartford.com/business-owners-policy "Business Owner's Policy (BOP) Insurance") (Evidence: Company-reported; scope: 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. [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 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. [8](https://www.thehartford.com/business-owners-policy "Business Owner's Policy (BOP) Insurance") (Evidence: Company-reported; scope: BOP product page as read 2026-09-23. Quote availability observed without completing a purchase..) |

## Full Comparison

- [Pie Insurance vs The Hartford](https://spot.insure/compare/pie-insurance-vs-the-hartford): all coverage lines, business roles, service and claims.
- [What Is a Business Owner’s Policy?](https://spot.insure/coverage/business-owners-policy): A business owner's policy (BOP) combines property, general liability and business interruption coverage for eligible businesses.
- [Pie Insurance vs The Hartford Cyber Insurance](https://spot.insure/compare/pie-insurance-vs-the-hartford/cyber)
- [Pie Insurance vs The Hartford General Liability Insurance](https://spot.insure/compare/pie-insurance-vs-the-hartford/general-liability)
- [Pie Insurance vs The Hartford Professional Liability (E&O) Insurance](https://spot.insure/compare/pie-insurance-vs-the-hartford/professional-errors-omissions)
- [Pie Insurance vs The Hartford Workers’ Compensation Insurance](https://spot.insure/compare/pie-insurance-vs-the-hartford/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 The Hartford Business Owner’s Policy](https://spot.insure/compare/alliance-risk-vs-the-hartford/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 The Hartford Business Owner’s Policy](https://spot.insure/compare/amelia-risk-vs-the-hartford/business-owners-policy)
- [Chubb vs Pie Insurance Business Owner’s Policy](https://spot.insure/compare/chubb-vs-pie-insurance/business-owners-policy)
- [Chubb vs The Hartford Business Owner’s Policy](https://spot.insure/compare/chubb-vs-the-hartford/business-owners-policy)

## Sources

### 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.

### The Hartford

5. [Legal Notice](https://www.thehartford.com/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.
6. [SaaS Insurance for Your Business](https://www.thehartford.com/business-insurance/saas-insurance). 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.
7. [Find a Local Insurance Agent](https://www.thehartford.com/find-an-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.
8. [Business Owner's Policy (BOP) Insurance](https://www.thehartford.com/business-owners-policy). 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

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 2026-09-23. 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.

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