Chubb vs
Pie Insurance General Liability Insurance
Chubb underwrites general liability itself through package products, while Pie identifies itself as an intermediary working with unnamed carrier partners.
What Is Chubb?
Chubb is the marketing name for a global insurance group whose U.S. companies underwrite commercial property, casualty, cyber and financial-lines coverage, including technology-focused DigiTech ERM and small-business packages. Founders and finance teams typically work through an appointed agent, then receive a policy issued by a named Chubb-group insurer rather than by the Swiss holding company. 1,2,3
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. 7,8,9
What Is General Liability Insurance?
General liability covers claims that your business injured someone, damaged their property or committed a specified personal or advertising offense. It does not insure your own building or equipment. 11,12
Key Differences in General Liability Insurance
Intermediary vs. Underwriter
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. 10Company-reported. General Liability product page as read on 2026-09-23.
Chubb doesn't route through a comparable partner layer for its package products; general liability comes packaged inside BOP, Benchmarq, Customarq or GL Plus, underwritten by Chubb directly. 4
What's Cross-Sold Alongside It
Pie markets general liability as "one of the most common types of insurance that businesses carry," cross-selling it alongside workers' compensation, commercial auto, cyber and BOP insurance on the same page. 10 Chubb's cross-sell works through packaging instead: general liability arrives already bundled with property coverage in its BOP or with pollution liability in GL Plus, rather than offered as a separate line alongside other products the way Pie presents it. 4
Getting a Quote Started
Pie directs general liability buyers to contact the company to start a quote through its website. 10 Chubb instead offers an online quote request for its package products or an appointed independent agent or broker applying for a Chubb Appointment, giving buyers a broker-mediated path that Pie's contact-to-start flow doesn't describe. 4
What to Confirm in General Liability Insurance Quotes
- Ask Pie to name the specific carrier partner it's using for your policy. 10
- Confirm which Chubb package product fits your business and revenue size. 4
- Get published limits from both companies, since neither reviewed page discloses specific general liability limits or premiums. 10 4
- Ask Pie which of its cross-sold lines, if any, are required to be bundled with general liability versus optional. 10
Offering Details
Chubb vs Pie Insurance General Liability Insurance: documented features by provider
| Criteria | Chubb General Liability Insurance | Pie General Liability Insurance |
|---|---|---|
| Role in This Line | Chubb does not sell general liability as a standalone monoline product on its public pages. It is packaged inside Chubb's BOP, Benchmarq and Customarq commercial package policies, or combined with pollution coverage in the GL Plus product. 4,1Company-reported. BOP and technology-industry pages; a business seeking liability-only coverage should confirm whether Chubb will quote it outside a package. | 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. 10Company-reported. General Liability product page as read on 2026-09-23. |
| Issuing Insurer | Not described in the reviewed sources. | The reviewed page refers only to 'our insurance carrier partners' and does not name a specific insurer for Pie's general liability product. 10Not publicly disclosed. General Liability product page as read on 2026-09-23. |
| Who It’s For | Chubb's package products that include general liability target small businesses with up to $30 million in revenue across more than 500 business classes, including technology, healthcare, retail and manufacturing. 4Company-reported. BOP eligibility criteria; restates the fact for the general-liability component of the package. | 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. 10Company-reported. General Liability product page as read on 2026-09-23; no minimum size or industry restriction was published. |
| Coverage Features | Chubb's GL Plus product combines commercial general liability with affirmative products pollution liability and scalable premises pollution liability, and can be paired with umbrella coverage. 5Company-reported. Environmental Insurance product page describing GL Plus; targeted at businesses with pollution exposure alongside standard GL exposure. Within Chubb's BOP, general liability is bundled with property coverage and optional enhancements such as employment practices liability, foreign liability, equipment breakdown and crime coverage. 4Company-reported. BOP coverage-highlights list; enhancement availability depends on the issued policy and state. | 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. 10Company-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 pages do not publish specific general liability limits, sublimits or deductibles. 4,5Not found in reviewed sources. BOP, GL Plus and umbrella pages as read on 2026-09-23. | The reviewed page does not publish limits, deductibles, or premium ranges for general liability coverage. 10Not publicly disclosed. General Liability product page as read on 2026-09-23. |
| Risk Services | Chubb Risk Consulting is available to GL Plus and package policyholders, and Chubb says it offers casualty claims services for negligence and misconduct claims. 5Company-reported. Environmental page Risk Consulting and Casualty Claims sections; not exclusive to general liability. | Not described in the reviewed sources. |
| How to Apply | You can request a quote online for a Chubb package that includes general liability, or an appointed independent agent or broker can apply for a Chubb Appointment to place the policy. 4Company-reported. BOP product page call-to-action for business owners and for agents and brokers. | Pie directs general liability buyers to contact the company to start a quote through its website. 10Company-reported. General Liability product page as read on 2026-09-23. |
Full Comparison
More Chubb vs Pie Insurance Comparisons
Other General Liability Insurance Comparisons
Sources
Chubb
- Insurance for Technology Companies. Chubb; Commercial package insurance section naming BOP, Benchmarq and Customarq as package options that include general liability. Accessed 2026-09-23.
- Terms Of Use. Chubb; Acceptance of Terms identifying Chubb Group Holdings Inc.; surplus-lines producer restriction; products not available to all users or jurisdictions; Chubb Limited safe-harbor language; Internet Portals for Chubb Business. Accessed 2026-09-16.
- Cyber Insurance Coverage & Products. Chubb; Cyber insurance product catalog: Cyber ERM, DigiTech ERM (technology E&O, media and cyber) and Pro ERM (non-licensed professional services); Marketplace quoting for eligible risks under $100 million revenue; first- and third-party coverage summaries. Accessed 2026-09-16.
- Business Owner's Policy (BOP) Insurance. Chubb; Chubb BOP Coverage Highlights: property and liability package; Total Account Solution add-ons. Accessed 2026-09-23.
- Environmental Insurance Coverage & Services. Chubb; Chubb GL Plus: combines Commercial General Liability, affirmative Products Pollution, and scalable Premises Pollution Liability with supported Umbrella coverage. Accessed 2026-09-23.
- Umbrella & Excess Casualty Insurance. Chubb; Insights article link: "What is commercial general liability insurance? Learn more about CGL insurance and how to protect your business.". Accessed 2026-09-23.
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.
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.





