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

Pie Insurance acts as an intermediary that gets small businesses general liability from its carrier partners and starts quotes on its website; Relm Insurance markets it as a casualty line brokers place, citing cannabis, biotech and aerospace and defense.

Pie markets general liability broadly to small businesses through unnamed carrier partners, while Relm targets high-growth or heavily regulated fields such as cannabis, biotech and aerospace and sells only through brokers. ^1,²

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

Who Each Company Targets

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 to small businesses generally. ¹ Relm instead frames general liability around leases and enterprise or government contracts, highlighting companies in cannabis, biotech, psychedelic therapeutics, aerospace and defense, and technology:

Relm says general liability is often required by leases and by enterprise or government contracts. It highlights companies in high-growth, high-risk or heavily regulated fields such as cannabis, biotech, psychedelic therapeutics, aerospace and defense, and technology. ²Company-reported. Casualty page framing; not a guarantee of eligibility for a particular company.

How You Buy

Pie directs buyers to contact the company through its website to start a general liability quote. ¹ Relm's reviewed pages describe access only through insurance brokers, with no direct online quote for general liability. ²

What the Base Policy Covers

Pie lists bodily injury, property damage, reputation harm, product liability and advertising injury as the categories its coverage typically addresses. ¹ Relm's description covers similar ground for bodily injury and property damage but adds specific personal and advertising injury examples, including false arrest, malicious prosecution and copyright infringement, and explicitly excludes intentional or criminal acts and damages from illegal activity. ² ²

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

Ask Pie to name the carrier partner that will underwrite your policy, since its page refers only to "carrier partners" generally. ¹
Ask Relm for the specific issuing insurer for your placement and jurisdiction. ²
If your industry is high-risk or heavily regulated, ask Relm's broker how eligibility and pricing differ from a general small-business market like Pie's. ²
Ask both companies for limits and retentions in writing; neither publishes standard figures on the reviewed pages. ¹

Pie Insurance vs Relm Insurance General Liability Insurance Compared

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

Criteria	Pie General Liability Insurance	Relm 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. ¹Company-reported. General Liability product page as read on 2026-09-23; no minimum size or industry restriction was published.	Relm says general liability is often required by leases and by enterprise or government contracts. It highlights companies in high-growth, high-risk or heavily regulated fields such as cannabis, biotech, psychedelic therapeutics, aerospace and defense, and technology. ²Company-reported. Casualty page framing; not a guarantee of eligibility for a particular company.
How to Apply	Pie directs general liability buyers to contact the company to start a quote through its website. ¹Company-reported. General Liability product page as read on 2026-09-23.	Relm sells general liability coverage through insurance brokers; its reviewed pages do not describe a direct online quote. ²Company-reported. Casualty page framing; consistent with Relm's broader broker-distribution model.
Coverage Features	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. ¹Company-reported. General Liability product page as read on 2026-09-23; the issued policy controls actual insuring agreements and exclusions.	Relm says GLI covers third-party bodily injury (medical expenses, legal defense, damages), third-party property damage, and personal and advertising injury claims such as libel, slander, false arrest, malicious prosecution, copyright infringement and privacy violations. ²Company-reported. Casualty page 'What is General Liability Insurance?' section; the issued policy and declarations control. Relm says casualty coverage generally excludes employee injuries (covered by workers' compensation), professional errors (covered by E&O), intentional or criminal acts by directors or employees, and damages from illegal activities. ²Company-reported. Casualty page 'What Does Casualty Insurance Not Cover?' section; applies across Relm's casualty lines, not GLI-specific exclusions only.
Role in This Line	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. ¹Company-reported. General Liability product page as read on 2026-09-23.	Relm markets General Liability Insurance (GLI) as a casualty line brokers can place for clients, grouped alongside its product and excess liability products on the same casualty page. ²Company-reported. Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement.