HUB International vs 
Pie Insurance General Liability Insurance
Pie names carrier partners and cross-sells related coverage on its general liability page, while HUB's page focuses only on general liability scenarios.
What Is HUB International?
HUB International is a North American insurance brokerage that arranges business insurance, employee benefits and related risk services through local offices and specialist practices. Smaller commercial accounts may be sent to Insureon for an online quote; other programs are handled by HUB advisors, with policy terms set by the insurers they use. 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. 5,6,7
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. 9,10
Key Differences in General Liability Insurance
How Each Describes Its Role
Pie says it helps businesses get general liability "from our insurance carrier partners," explicit language positioning itself as an intermediary between the buyer and an unnamed carrier. 8 HUB describes a similar placement role without using partner language, saying it places the coverage with an insurer on the client's behalf.
HUB brokers commercial general liability coverage rather than underwriting it itself, placing the policy with an insurer on the client's behalf. 4Company-reported. General liability product page as read on 2026-09-23; the page does not name an issuing insurer.
Which Injury Scenarios Get Named
HUB names specific people the coverage typically protects against claims from: customers, employees, vendors or visitors hurt on the client's premises, plus advertising injury such as slander or false advertising. 4 Pie's list instead separates out reputation harm, covering slander and libel, as its own named category alongside bodily injury, property damage, product liability and advertising injury. 8
Cross-Selling Other Coverage or Listing It Separately
Pie's general liability page actively cross-sells related lines, naming workers' compensation, commercial auto, cyber and business owner's policy coverage alongside general liability. 8 HUB's page instead links to a different set of products, including business interruption, D&O, EPL and workers' compensation insurance, presented as separate items rather than a cross-sell pitch. 4
What to Confirm in General Liability Insurance Quotes
- Ask Pie which specific carrier partner would underwrite your policy, since its page names none. 8
- Ask HUB the same question, since its page also names no insurer. 4
- Confirm whether Pie's reputation-harm coverage and HUB's personal-injury coverage cover the same slander and libel scenarios or differ in scope. 8 4
- Ask both companies for published limits, since neither page discloses standard amounts. 8 4
Offering Details
HUB International vs Pie Insurance General Liability Insurance: documented features by provider
| Criteria | HUB International General Liability Insurance Brokerage | Pie General Liability Insurance |
|---|---|---|
| Role in This Line | HUB brokers commercial general liability coverage rather than underwriting it itself, placing the policy with an insurer on the client's behalf. 4Company-reported. General liability product page as read on 2026-09-23; the page does not name an 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. |
| Issuing Insurer | The general liability product page does not name an issuing insurer; HUB places general liability business with insurers that vary by client and placement. 4Not found in reviewed sources. Checked the general liability product page on 2026-09-23; no carrier is disclosed there. | 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 | Not described in the reviewed sources. | 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 | HUB says general liability policies it arranges typically respond to bodily injury to customers, employees, vendors or visitors on the client's premises, personal injury from an employee's negligence or actions, property damage caused by employees, and advertising injury such as slander or false advertising claims. 4Company-reported. Product-page description of typical coverage scenarios; the issued policy and its exclusions control what a specific claim triggers. | 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 | Published per-occurrence or aggregate limits, deductibles or retentions for HUB-placed general liability policies were not found on the product page. 4Not publicly disclosed. Checked the general liability product page on 2026-09-23; limits are set on the quote and declarations, not the marketing page. | 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 | The general liability product page does not describe line-specific risk-control or safety services; it only lists related products such as business interruption, D&O, EPL and workers' compensation insurance. 4Not found in reviewed sources. Checked the general liability product page on 2026-09-23. | Not described in the reviewed sources. |
| How to Apply | HUB says the amount of general liability coverage a business needs depends on factors such as the type of business and its location, and directs prospects to contact a HUB broker to get started. 4Company-reported. Product-page copy; no online quote or bind flow is described. | 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. |
Full Comparison
More HUB International vs Pie Insurance Comparisons
Other General Liability Insurance Comparisons
Sources
HUB International
- About Us. HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16.
- Contact Us. HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16.
- Insurance for Technology Companies. HUB International; Technology Company Insurance & Risk Management: startup, software, hardware and digital-media introduction; Business Coverage and People Protection lists; technology-client count. Accessed 2026-09-16.
- General Liability Insurance Brokers. HUB International; What's typically covered: bodily injuries, personal injuries, property damage, advertising injury; coverage-amount factors; related coverage links; Contact a HUB broker call to action. 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.
