---
title: "Pie Insurance vs The Hartford: Business Owner’s Policy"
description: "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."
canonical: "https://spot.insure/compare/pie-insurance-vs-the-hartford/business-owners-policy"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "pie-insurance-vs-the-hartford"
provider-a: "pie-insurance"
provider-b: "the-hartford"
coverage-line: "business-owners-policy"
---

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

## Agent Guide

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

**Questions this page answers:**
- Pie Insurance vs The Hartford for Business Owner’s Policy: how do they differ?
- Which is better for Business Owner’s Policy, Pie Insurance or The Hartford?
- What does Pie Insurance or The Hartford publish about Business Owner’s Policy (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Business Owner’s Policy. Providers: Pie Insurance and The Hartford.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- 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; last updated 2026-09-25.

**Related pages:**
- [Pie Insurance vs The Hartford](https://spot.insure/compare/pie-insurance-vs-the-hartford) — all coverage lines for this pair
- [Business Owner’s Policy guide](https://spot.insure/coverage/business-owners-policy) — how this coverage works
- [Pie Insurance profile](https://spot.insure/insurance-providers/pie-insurance) — provider profile
- [The Hartford profile](https://spot.insure/insurance-providers/the-hartford) — provider profile

# 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 quotes its own BOP online, publishes a $1,687 average premium and adds extra lines to one policy, while Pie arranges BOPs from partner insurers through a contact form with no published pricing.

## Pie Insurance vs The Hartford Business Owner’s Policy Summary

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](https://www.thehartford.com/business-owners-policy "Business Owner's Policy (BOP) Insurance") [1](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner's Policy | BOP Insurance")

## 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](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner's Policy | BOP Insurance") [2](https://www.thehartford.com/business-owners-policy "Business Owner's Policy (BOP) Insurance")

### 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](https://www.thehartford.com/business-owners-policy "Business Owner's Policy (BOP) Insurance") [1](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner's Policy | BOP Insurance")

### 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](https://www.thehartford.com/business-owners-policy "Business Owner's Policy (BOP) Insurance") [1](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner's Policy | BOP Insurance")

## 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](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner's Policy | BOP Insurance") [3](https://www.thehartford.com/legal-notice "Legal Notice")
- Treat The Hartford's $1,687 as its own customer average, not a price Pie will match. [2](https://www.thehartford.com/business-owners-policy "Business Owner's Policy (BOP) Insurance")
- Check whether interruption covers payroll, relocation, extra expense and lost income on each quote. [1](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner's Policy | BOP Insurance") [2](https://www.thehartford.com/business-owners-policy "Business Owner's Policy (BOP) Insurance")
- Ask which extras (auto, professional liability, data breach) sit on The Hartford's policy versus separate Pie policies. [2](https://www.thehartford.com/business-owners-policy "Business Owner's Policy (BOP) Insurance") [1](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner's Policy | BOP Insurance")

## Pie Insurance vs The Hartford Business Owner’s Policy Compared

| 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. [1](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. [2](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..) |
| 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. [1](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. [2](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..) |
| 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). [1](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. [2](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..) |
| 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. [1](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. [2](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..) |

## About Pie Insurance and The Hartford and Business Owner’s Policy

- [Pie Insurance company profile](https://spot.insure/insurance-providers/pie-insurance) · [Pie Insurance customer reviews](https://spot.insure/insurance-providers/pie-insurance/reviews)
- [The Hartford company profile](https://spot.insure/insurance-providers/the-hartford) · [The Hartford customer reviews](https://spot.insure/insurance-providers/the-hartford/reviews)
- [What Is a Business Owner’s Policy?](https://spot.insure/coverage/business-owners-policy)

## Related Pages for Pie Insurance vs The Hartford

- [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 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 Business Owner’s Policy](https://spot.insure/insurance-providers/pie-insurance/business-owners-policy)
- [The Hartford Business Owner’s Policy](https://spot.insure/insurance-providers/the-hartford/business-owners-policy)

## Sources for Pie Insurance vs The Hartford Business Owner’s Policy

### Sources About Pie Insurance

1. [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 The Hartford

2. [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.
3. [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.

Updated 2026-09-25. 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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