The Baldwin Group vs 
Pie Insurance: How Do They Compare for General Liability Insurance?
Baldwin keeps its general-liability description at the brokerage level: it lists the line for professional-services and government-contractor clients but publishes no buyer-specific limit. Pie spells out bodily injury, property damage, libel or slander, product liability and advertising injury as typical categories. 3,4,8
What Is the Baldwin Group?
Baldwin’s Insurance Advisory Solutions group describes commercial-risk and employee-benefit services for businesses and private-risk management for high-net-worth individuals and families; its business-insurance page outlines a five-step RiskMap process. 1,2
What Is Pie Insurance?
Pie suits small businesses seeking workers’ compensation with online quoting and pay-as-you-go billing based on reported payroll, without an initial deposit; firms needing a broad technology or executive program should look elsewhere. 5,6,7
What Is General Liability Insurance?
General liability can protect your business when a customer or visitor claims you caused injury or damaged their property. It suits businesses serving customers or working on their premises; your own building, tools and stock need property coverage. 9,10,11
Key Differences in General Liability Insurance
What the Published Limits Establish
Baldwin keeps its general-liability description at the brokerage level: it lists the line for professional-services and government-contractor clients but publishes no buyer-specific limit. Pie spells out bodily injury, property damage, libel or slander, product liability and advertising injury as typical categories. A small business comparing them should use those categories to frame the quote, then get Baldwin’s proposed limits and Pie’s actual insurer and terms in writing. 3 4 8
What the Coverage Description Says
Pie’s intermediary model offers an online contact route for a quote, while Baldwin describes sector teams advising on insurance programs. That distinction matters if you want an initial online inquiry or broader advisory help; neither route itself establishes the issued policy or underwriting carrier. 3 4 8
What to Confirm in General Liability Insurance Quotes
- Ask Pie which carrier would issue the policy and what limits and deductibles it will quote. Ask Baldwin to show the selected insurer, occurrence form and limit schedule for your account. 3 4
- Confirm the quoted policy’s applicable terms, issuing carrier and any coverage-specific limits or exclusions before binding. 8
The Baldwin Group and Pie Insurance Review Scores for 2026
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
The Baldwin Group Review Score
Review Score
No reviews found
The reviewed public sources do not establish a representative customer rating for The Baldwin Group’s commercial advisory business. BBB pages show different legal entities: an A+ regional insurance-agency grade with zero listed reviews and complaints for The Baldwin Group Mid-Atlantic, LLC, and an A- grade plus six complaints in three years for The Baldwin Group Personal Insurance, LLC. A 2026 personal-lines complaint describes delayed refund handling. A separate National General auto review mentions a Baldwin referral but concerns insurer policy administration. None of these observations supports a group-wide or commercial rating.[8][1][2][4][9][10]
Read The Baldwin Group reviewsPie Insurance Review Score
Review Score
2 rated sources
Pie’s service record raises clear concerns: elevated regulator complaints reported by NerdWallet, 1.7/5 on Trustpilot and an F from BBB. Investigate billing, cancellation and complaint handling before buying.[1][4][6]
Read Pie Insurance reviewsThe Baldwin Group vs Pie Insurance General Liability Compared
The Baldwin Group vs Pie Insurance: General Liability Insurance: documented features by provider
| Criteria | Baldwin General Liability Brokerage and Advisory | Pie General Liability Insurance |
|---|---|---|
| Role in This Line | The source describes The Baldwin Group’s brokerage or advisory role for General Liability. It does not identify Baldwin as the risk-bearing insurer for a particular placement. 3,4Company-reported. The cited company page describes its brokerage/advisory role and does not name the issuer for a buyer-specific placement. | Pie says it helps small businesses get the best general liability coverage 'from our insurance carrier partners,' identifying itself as an intermediary rather than the underwriter for this line. 8Company-reported. General Liability product page as read on 2026-09-23. |
| Issuing Insurer | Confirm in your quote. | The reviewed page refers only to 'our insurance carrier partners' and does not name a specific insurer for Pie's general liability product. 8Not publicly disclosed. General Liability product page as read on 2026-09-23. |
| Who It’s For | Baldwin identifies professional-services firms and government contractors as audiences for commercial general-liability options. The pages do not establish a particular organization’s placement eligibility. 3,4Company-reported. This is the audience or client context named on Baldwin’s page, not an underwriting decision or guarantee of product availability. | Pie calls general liability 'one of the most common types of insurance that businesses carry' and markets it to small businesses generally, cross-selling it alongside workers' compensation, commercial auto, cyber, and BOP insurance. 8Company-reported. General Liability product page as read on 2026-09-23; no minimum size or industry restriction was published. |
| Coverage Features | Baldwin lists general liability as a coverage option and, on its government-contracting page, a coverage consideration. It does not specify the insured operations, occurrence form, limits or exclusions of a buyer’s policy. 3,4Company-reported. The statement reports Baldwin’s marketed coverage or advisory description only. No individual quote, binder, policy form, schedule or endorsement was reviewed; policy entitlement and terms remain unknown. | Pie lists bodily injury, property damage, reputation harm (slander and libel claims), product liability, and advertising injury as the categories its general liability coverage typically addresses. 8Company-reported. General Liability product page as read on 2026-09-23; the issued policy controls actual insuring agreements and exclusions. |
| Limits and Retentions | The reviewed source does not state a buyer-specific limit, retention, deductible or coverage schedule. Confirm the quote and issued policy or bond. 3,4Not publicly disclosed. No buyer quote, binder, policy or bond form was available in the reviewed public sources. | The reviewed page does not publish limits, deductibles, or premium ranges for general liability coverage. 8Not publicly disclosed. General Liability product page as read on 2026-09-23. |
| Risk Services | Baldwin says its sector teams review coverage considerations and provide risk-mitigation expertise to help clients plan insurance programs. Those advisory services are separate from policy coverage. 3,4Company-reported. These are company-described brokerage and risk-advisory services; account-specific service commitments and third-party terms are not established. | Confirm in your quote. |
| How to Apply | Confirm in your quote. | Pie directs general liability buyers to contact the company to start a quote through its website. 8Company-reported. General Liability product page as read on 2026-09-23. |
Related Pages for The Baldwin Group vs Pie Insurance General Liability
General Liability Pages for The Baldwin Group and Pie Insurance
Other Coverage Lines Compared for The Baldwin Group vs Pie Insurance
Other General Liability Insurance Provider Comparisons
Sources for The Baldwin Group vs Pie Insurance
Sources About The Baldwin Group
- The Baldwin Insurance Group, Inc. Form 10-K for fiscal year ended December 31, 2025. U.S. Securities and Exchange Commission; filed by The Baldwin Insurance Group, Inc.; Part I, Item 1, “The Company,” lines 194–196; “Operating Groups,” lines 260–263; “Clients and Insurers,” lines 286–288; pp. 6–10; opened 2026-09-28. Accessed 2026-09-28.
- Business Insurance. The Baldwin Group; RiskMap process, lines 40–68; Connect With Us consultation invitation, lines 182–187; accessed 2026-09-28. Accessed 2026-09-28.
- Professional Liability Insurance & Services. The Baldwin Group; Professional-services customer population lines 35–64; coverage snapshot lines 68–84 lists property, general/professional liability, cyber, workers’ compensation, D&O, fiduciary, crime/fidelity bond, EPL, and IP liability; Employee benefits lines 93–95; accessed 2026-09-29. Accessed 2026-09-30.
- Government Contractor Insurance & Risk Management. The Baldwin Group; GovCon customer/service description lines 21–33; GovTech collaboration, customer scope and coverage considerations lines 93–111; risk-mitigation service lines 113–118; accessed 2026-09-29. Accessed 2026-09-30.
Sources About 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.
- General Liability Insurance. Pie Insurance; What's typically covered by general liability insurance? Bodily Injury, Property Damage, Reputation Harm, Product Liability, Advertising Injury; How does general liability insurance help protect small businesses?; Make sure you're covered: Contact Us. Accessed 2026-09-23.
Sources for the General Liability Insurance Guide
- Commercial general liability insurance. Insurance Information Institute; Coverage A; Coverage B; Coverage C; Purchasing commercial general liability insurance. Accessed 2026-09-16.
- Commercial Insurance Guide. California Department of Insurance; Commercial General Liability; Commercial Automobile; What Should I Expect from a Broker-Agent?; How Are Commercial Policies Rated? Accessed 2026-09-16.
- Commercial General Liability Coverage Form. ISO; specimen hosted by Hiscox; I.A pp.1–5; I.B pp.6–7; I.C pp.7–8; Supplementary Payments p.8; II pp.9–10; III p.10; IV pp.10–12. Accessed 2026-09-16.
