Hiscox vs 
Pie Insurance General Liability Insurance
Hiscox underwrites its general liability policy directly online in 49 states, while Pie sources coverage from unnamed carrier partners.
What Is Hiscox?
Hiscox is a U.S. small-business insurance brand whose website is operated by Hiscox Inc., a Delaware producer that does business in California as Hiscox Insurance Agency. Eligible firms can quote general liability, professional liability, cyber and a business owner’s policy online; other advertised lines are often placed with partner insurers, so the issuing company on each quote still has to be checked. 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
Who Underwrites the Policy
Hiscox identifies the entity behind its general liability product: Hiscox Insurance Company Inc., an admitted insurer, is named in its appetite guide as the underwriter for coverage sold through Hiscox's online small-business catalogue. 5 Pie takes a different role, saying it helps businesses get general liability "from our insurance carrier partners" rather than underwriting it directly. 10
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.
What the Coverage Adds Beyond the Basics
Both companies build on a base of bodily injury, property damage and advertising injury, but each names a different extra. Hiscox's product page adds electronic data liability specifically for IT and technology professions on top of its general liability form. 4 Pie instead names reputation harm, covering slander and libel claims, as one of the five categories on its coverage list alongside bodily injury, property damage, product liability and advertising injury. 10
Getting a Policy in Place
Hiscox describes a self-serve online path: eligible buyers in 49 states and D.C. can apply, pay monthly or annually with no added fees, and receive the policy and certificate by email once the application is complete. 4 Pie's reviewed page instead directs prospective buyers to contact the company to start a quote, without describing a comparable self-serve application or binding flow. 10
What to Confirm in General Liability Insurance Quotes
- Ask Pie which carrier partner would underwrite your policy, since its page names no specific insurer. 10
- Confirm whether Hiscox's electronic data liability addition applies to your business type or is limited to IT and technology professions. 4
- Ask whether Pie's reputation-harm coverage is part of the base policy or a separate endorsement. 10
- Get published limit amounts from both companies in writing, since neither page discloses a standard general liability limit. 4 10
Offering Details
Hiscox vs Pie Insurance General Liability Insurance: documented features by provider
| Criteria | Hiscox General Liability Insurance | Pie General Liability Insurance |
|---|---|---|
| Role in This Line | Hiscox Inc., a Delaware-based licensed insurance intermediary, sells general liability directly online to small businesses as part of its Hiscox NOW admitted small-business catalogue. 3,4Company-reported. Company-stated online small-business channel; broker-only sections of the Hiscox site are a separate, licensed-professional path not covered here. | 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 | Hiscox's appetite guide and About Hiscox US page name Hiscox Insurance Company Inc. (NAIC 10200), a Chicago-based insurer, as the underwriter of admitted Hiscox NOW general liability policies. 5,3Company-reported. Admitted small-business general liability as described in company materials; the exact contracting entity for a particular state or channel should be confirmed on the quote. | 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 | Hiscox says it is currently licensed to sell general liability online in 49 states and the District of Columbia, with coverage unavailable in Alaska; it directs buyers in states where it does not sell online to a specialist broker instead. 4Company-reported. Company-stated jurisdiction for the online small-business catalogue; specific class or industry eligibility still depends on 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. 10Company-reported. General Liability product page as read on 2026-09-23; no minimum size or industry restriction was published. |
| Coverage Features | Hiscox's general-liability product page adds an electronic-data-liability provision for IT and technology professions on top of its standard general-liability coverage. 4Company-reported. Product-page description; specific wording, limits and exclusions are set by the issued policy and declarations. | 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 general-liability page does not publish a standard limit amount; example California consultant pricing shown on the page is explicitly labeled illustrative rather than a quote. 4Not publicly disclosed. Public product page as previously reviewed; actual limits, retentions and pricing are quote-specific. | 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. |
| How to Apply | Hiscox says eligible buyers can apply for general liability online, with the policy issued by email and a certificate of insurance included in the welcome documents once the application is complete; buyers can also pay annually or monthly with no additional fees. 4Company-reported. Company-described online application and billing options; eligibility and binding conditions require confirmation on the actual application. | 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. |
| Claims Support | Hiscox says general-liability policyholders can report a claim online 24/7, and describes assigning a specialized claims professional to validate coverage on reported claims. 4,6Company-reported. Company-described claims process; does not establish claim outcomes or turnaround time. | Not described in the reviewed sources. |
Full Comparison
More Hiscox vs Pie Insurance Comparisons
Other General Liability Insurance Comparisons
Sources
Hiscox
- Website Terms & Conditions of Use. Hiscox; Last modified May 28, 2024; Hiscox Inc. as Delaware corporation headquartered in Atlanta, d/b/a Hiscox Insurance Agency in CA, licensed intermediary for admitted and surplus-lines business with Hiscox Insurance Company Inc., other domestic insurers, and Lloyd’s syndicates; small-business online path distinguished from broker-only site sections. Accessed 2026-09-16.
- Get A Small Business Insurance Quote. Hiscox; States that Hiscox offers general liability, professional liability, cyber security and business owner’s policies online; zip-code quote field; licensed-agent hours Monday–Friday 7 a.m.–10 p.m. ET and Saturday–Sunday 8 a.m.–5 p.m. ET. Accessed 2026-09-16.
- About Hiscox US Insurance. Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16.
- General Liability Insurance. Hiscox; Online quote; 49-state and D.C. availability with Alaska excluded; broker-referral if not sold online; payment annually or monthly with no additional fees; online 24/7 claim reporting; policy issued via email and certificate in welcome documents; electronic data liability for IT professions; coverage subject to underwriting. Accessed 2026-09-16.
- Hiscox US Agent Appetite Guide. Hiscox; Hiscox NOW admitted GL, PL, cyber and BOP underwritten by Hiscox Insurance Company Inc.; footer underwriting disclosure. Accessed 2026-09-16.
- Start a Business Insurance Claim Online, by Phone or Mail. Hiscox; Online claim filing; specialized claims professional assignment; coverage validation. Accessed 2026-09-16.
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.
