--- title: "Pie Insurance Business Owner’s Policy" description: "What Pie Insurance Business Owner’s Policy covers, who it’s for, and how to apply, cited to Pie Insurance’s own published sources." canonical: "https://spot.insure/insurance-providers/pie-insurance/business-owners-policy" page-type: "offering-page" updated-at: "2026-09-23" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/insurance-providers/pie-insurance/business-owners-policy) # Pie Insurance Business Owner’s Policy Pie Business Owner's Policy (BOP) 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.) ## Issuing Insurer - **Not publicly disclosed.** The reviewed page refers only to 'our insurance carrier partners' and does not name a specific insurer for Pie's BOP product. [1](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner's Policy | BOP Insurance") (Scope: BOP product page as read on 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. [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.) ## 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.) ## Limits and Retentions - **Not publicly disclosed.** The reviewed page does not publish limits, deductibles, or premium ranges for BOP coverage. [1](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner's Policy | BOP Insurance") (Scope: BOP product page as read on 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.) ## Pie Insurance Business Owner’s Policy Compared - [Pie Insurance vs Alliance Risk](https://spot.insure/compare/alliance-risk-vs-pie-insurance/business-owners-policy) - [Pie Insurance vs Amelia Risk](https://spot.insure/compare/amelia-risk-vs-pie-insurance/business-owners-policy) - [Pie Insurance vs Chubb](https://spot.insure/compare/chubb-vs-pie-insurance/business-owners-policy) - [Pie Insurance vs Corgi](https://spot.insure/compare/corgi-vs-pie-insurance/business-owners-policy) - [Pie Insurance vs Coterie Insurance](https://spot.insure/compare/coterie-vs-pie-insurance/business-owners-policy) - [Pie Insurance vs Coverdash](https://spot.insure/compare/coverdash-vs-pie-insurance/business-owners-policy) ## Other Pie Insurance Coverage Lines - [Pie Insurance Cyber Insurance](https://spot.insure/insurance-providers/pie-insurance/cyber) - [Pie Insurance General Liability Insurance](https://spot.insure/insurance-providers/pie-insurance/general-liability) - [Pie Insurance Professional Liability (E&O) Insurance](https://spot.insure/insurance-providers/pie-insurance/professional-errors-omissions) - [Pie Insurance Workers’ Compensation Insurance](https://spot.insure/insurance-providers/pie-insurance/workers-compensation) ## Related - [Pie Insurance Profile](https://spot.insure/insurance-providers/pie-insurance) - [Pie Insurance Reliability](https://spot.insure/insurance-providers/pie-insurance/reliability) - [Pie Insurance Alternatives](https://spot.insure/insurance-providers/pie-insurance/alternatives) - [Coverage Guide: Business owner’s policy](https://spot.insure/coverage/business-owners-policy) ## Sources 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. Updated 2026-09-23. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source. ## Agent and Developer Resources - [Markdown page](https://spot.insure/insurance-providers/pie-insurance/business-owners-policy.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)