CFC vs Pie Insurance: How Do They Compare for General Liability Insurance?

Pie Insurance places general liability with carrier partners for small businesses; CFC combines GL with commercial property, publishes casualty limits up to $6 million, and cites preferences for manufacturers, retailers, and e-commerce sellers.

Pie markets general liability as a common cross-sell alongside workers' compensation, auto and cyber for small businesses generally, while CFC publishes a defined appetite favoring manufacturers, distributors and office premises for its bundled policy. ^4,²

What Are the Key Differences Between CFC and Pie Insurance General Liability Insurance?

Broad Cross-Sell Versus a Published Appetite

Pie calls general liability "one of the most common types of insurance that businesses carry" and cross-sells it alongside workers' compensation, commercial auto, cyber and BOP coverage without naming an industry exclusion list. ⁴ CFC instead publishes a specific appetite, favoring manufacturers, distributors, non-manual professional services and office premises while ordinarily declining amusement arcades, nightclubs and manual contractors.

CFC says it favors manufacturers and distributors, non-manual professional services, e-commerce sellers, retail stores, office premises and annual events policies, and ordinarily declines amusement arcades, nightclubs and bars, manual contractors, aviation and aerospace risks, tour operators, and tire re-moulders or re-treaders. ²Company-reported. Brochure's "What we love" and "What we ordinarily decline" lists; actual acceptance depends on individual underwriting.

Carrier Partners Versus a Self-Designed Policy

Pie says it helps small businesses get general liability "from our insurance carrier partners," identifying itself as an intermediary rather than naming a specific insurer. ⁴ CFC does not shop the line to carrier partners in the same way; it designs and sells general liability itself, bundled with commercial property. ¹

Limits Disclosure

Pie's reviewed page does not publish limits, deductibles or premium ranges for general liability coverage. ⁴ CFC publishes a specific casualty limit of up to $6,000,000 for its combined policy. ²

What Should You Confirm in CFC and Pie Insurance General Liability Insurance Quotes?

Ask Pie which carrier partner is underwriting your specific quote. ⁴
Ask CFC which insurer underwrites the Property & Casualty policy for your account. ¹
If your business is in a class CFC says it ordinarily declines, ask Pie whether its carrier partners can still place it. ²
Get specific limit and deductible figures from Pie directly, since its page does not publish them. ⁴

CFC vs Pie Insurance General Liability Insurance Compared

CFC vs Pie Insurance: General Liability Insurance: documented features by provider

Criteria	CFC Property & Casualty	Pie General Liability Insurance
Who It’s For	CFC says it favors manufacturers and distributors, non-manual professional services, e-commerce sellers, retail stores, office premises and annual events policies, and ordinarily declines amusement arcades, nightclubs and bars, manual contractors, aviation and aerospace risks, tour operators, and tire re-moulders or re-treaders. ²Company-reported. Brochure's "What we love" and "What we ordinarily decline" lists; actual acceptance depends on individual underwriting.	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. ⁴Company-reported. General Liability product page as read on 2026-09-23; no minimum size or industry restriction was published.
Coverage Features	The general liability portion covers products and completed operations, pollution, tenants' legal liability, non-owned and hired auto costs, employee benefits liability and medical expenses. ²Company-reported. Brochure's "General liability" section; exact wording and exclusions are set by the policy as issued. CFC says the policy covers legal costs and compensation for bodily injury or property damage claims from third parties, plus personal and advertising liability such as defamatory content, privacy violations and advertising copyright infringement. ²Company-reported. Brochure's "Bodily injury and property damage liability" and "Personal and advertising liability" sections.	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. ⁴Company-reported. General Liability product page as read on 2026-09-23; the issued policy controls actual insuring agreements and exclusions.
Role in This Line	CFC's reviewed pages describe general liability as part of one Property & Casualty policy alongside commercial property; they do not describe a standalone general liability product. ^1,²Company-reported. Property & casualty product page and its product brochure; the page describes property and general liability as a single policy, not separate offerings.	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. ⁴Company-reported. General Liability product page as read on 2026-09-23.

Criteria

CFC Property & Casualty

Pie General Liability Insurance

Who It’s For

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. ⁴Company-reported. General Liability product page as read on 2026-09-23; no minimum size or industry restriction was published.

Coverage Features

The general liability portion covers products and completed operations, pollution, tenants' legal liability, non-owned and hired auto costs, employee benefits liability and medical expenses. ²Company-reported. Brochure's "General liability" section; exact wording and exclusions are set by the policy as issued.

CFC says the policy covers legal costs and compensation for bodily injury or property damage claims from third parties, plus personal and advertising liability such as defamatory content, privacy violations and advertising copyright infringement. ²Company-reported. Brochure's "Bodily injury and property damage liability" and "Personal and advertising liability" sections.

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. ⁴Company-reported. General Liability product page as read on 2026-09-23; the issued policy controls actual insuring agreements and exclusions.

Role in This Line

CFC's reviewed pages describe general liability as part of one Property & Casualty policy alongside commercial property; they do not describe a standalone general liability product. ^1,²Company-reported. Property & casualty product page and its product brochure; the page describes property and general liability as a single policy, not separate offerings.

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. ⁴Company-reported. General Liability product page as read on 2026-09-23.