Embroker vs Pie Insurance General Liability Insurance

Embroker sells commercial general liability as a standalone line and offers to package it with other coverages such as cyber and workers' compensation. ⁴Company-reported. Product-page description; not a statement about the issuing insurer.

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.

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. ⁸Not publicly disclosed. General Liability product page as read on 2026-09-23.

Embroker markets the policy to any business that deals with or employs people, has a physical location with injury risk, or provides a product or service, including consultants, contractors and tradespeople. ⁴Company-reported. Product-page eligibility description; not a guarantee of coverage for a particular business.

Embroker says general liability insurance is not required by law, but local governments often require it for a business license and most venues or office leases require proof of coverage. ⁴Company-reported. Product-page FAQ: Is General Liability insurance required by law?

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.

Embroker lists coverage for third-party bodily injury and property damage, personal injury claims such as libel or slander, product liability, and legal defense costs and settlements. ⁴Company-reported. Product-page coverage summary; the issued policy and declarations control.

Embroker says the policy excludes employee injuries (covered by workers' compensation), professional errors (covered by E&O), employment practices claims, and property damage to the policyholder's own commercial property. ⁴Company-reported. Product-page What's not included section.

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.

The reviewed product page does not publish specific per-occurrence or aggregate limit options; it only says a higher coverage limit generally costs more. ⁴Not publicly disclosed. Product page as read on 2026-09-23.

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.

Embroker says applicants can get an instant general liability quote online in a few minutes, with underwriting based on claims history and the type of products or services the business provides. ⁴Company-reported. Product-page FAQ: How do you apply for General Liability insurance?; no quote was requested during this research.

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.