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

Pie Insurance acts as an intermediary that gets small businesses coverage from its carrier partners; Risklytics is a licensed producer placing general liability with carriers wanting robotics and hardware risk, with no broker fee on top of the premium.

Pie lists product liability as one of several general categories its general liability coverage addresses, while Risklytics explicitly carves out product-failure financial loss and places the line only with carriers willing to write robotics and hardware exposure. ^1,²

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

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, without further qualification. ¹ Risklytics draws a sharper line: it says the policy responds when someone outside the company is hurt or their property is damaged, but does not cover a customer's financial loss from a product failure, pointing to Tech E&O for that instead. ²

Placement Strategy

Pie's general liability page does not describe why it selects particular carrier partners for this line. ¹ Risklytics says this line "needs the right insurers" because machines operating around people make generic insurers wary, and that it places business specifically with carriers that want robotics and hardware risk:

Risklytics says this line “needs the right insurers” because machines operating around people make generic insurers wary, and that it places with carriers that specifically want robotics and hardware risk. ²Company-reported. Lines page.

Limits

Pie's reviewed page does not publish limits, deductibles or premium ranges for general liability. ¹ Risklytics lists a typical ask of $1 million per incident and $2 million total per year, describing it as a common requested figure rather than a guaranteed policy limit. ²

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

Ask Pie to name the carrier partner underwriting your policy, since its page refers only to "carrier partners" generally. ¹
Ask Risklytics which specialist carrier is underwriting your policy, since it places with insurers willing to write robotics and autonomy risk but does not name one publicly. ²
If your business involves hardware near people, ask both whether that risk profile affects eligibility or pricing. ²
Ask Risklytics whether its licensed producer charges a broker fee on top of the premium; it states there is none and that its commission is paid by the carrier instead. ⁴

Pie Insurance vs Risklytics General Liability Insurance Compared

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

Criteria	Pie General Liability Insurance	Risklytics 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.	Risklytics says buyers typically need this coverage at their first lease, customer contract, or on-site visit, and that landlords, customers and site owners require it before a client signs a contract or sets foot on site. ²Company-reported. Lines page.
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.	You start Risklytics General Liability Insurance through Risklytics' online application. Risklytics says there is no broker fee on top of the premium and a licensed producer stays on the file until the program binds; its commission is paid by the carrier out of the premium either way. ^4,³Company-reported. Pricing page describes the general application and fee process, not a line-specific form.
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.	Risklytics describes General Liability as responding when someone outside the company is hurt or their property is damaged, giving examples of a falling bracket damaging customer equipment and a visitor tripping at a demo, and says it does not respond to a customer's financial loss from a product failure (that falls under Tech E&O). ²Company-reported. Lines page; the issued policy and declarations control actual coverage.
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.	Risklytics Insurance Services is a licensed insurance producer (NPN 22311838) that places Risklytics General Liability Insurance with outside carriers; it says it does not underwrite policies itself. ³Company-reported. About page; describes Risklytics' brokerage model generally, restated for this line.