---
title: "Pie Insurance vs Risklytics General Liability Insurance"
description: "Pie markets general liability broadly to small businesses; Risklytics places it specifically with insurers willing to underwrite robotics and hardware risk."
canonical: "https://spot.insure/compare/pie-insurance-vs-risklytics/general-liability"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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[Human-readable page](https://spot.insure/compare/pie-insurance-vs-risklytics/general-liability)

# Pie Insurance vs Risklytics General Liability Insurance

Pie markets general liability broadly to small businesses; Risklytics places it specifically with insurers willing to underwrite robotics and hardware risk.

## Research Scope and Use

Use this comparison to evaluate Pie Insurance and Risklytics for General Liability Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

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. [4](https://www.pieinsurance.com/small-business-insurance/general-liability "General Liability Insurance") [8](https://www.risklytics.ai/lines/liability/ "General Liability Insurance")

## 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. [1](https://www.pieinsurance.com/legal "Legal") [2](https://www.pieinsurance.com/workers-comp "Workers’ Comp Insurance For Small Businesses") [3](https://www.pieinsurance.com/resource-center/online-account-tutorial "Online Account Tutorial")

[Pie Insurance profile](https://spot.insure/insurance-providers/pie-insurance)

## What Is Risklytics Insurance?

Risklytics describes a commercial insurance brokerage for robotics, autonomy, hardware and AI businesses. It prepares applications and seeks coverage from insurers; California placement eligibility remains unconfirmed. [5](https://www.risklytics.ai/about/ "About Risklytics: who we are") [6](https://www.risklytics.ai/ "Insurance for Frontier Tech") [7](https://www.risklytics.ai/terms/ "Terms of Service")

[Risklytics profile](https://spot.insure/insurance-providers/risklytics)

## 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. [10](https://www.iii.org/article/commercial-general-liability-insurance "Commercial general liability insurance") [11](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide")

## Key Differences in 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. [4](https://www.pieinsurance.com/small-business-insurance/general-liability "General Liability Insurance") 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. [8](https://www.risklytics.ai/lines/liability/ "General Liability Insurance")

### Placement Strategy

Pie's general liability page does not describe why it selects particular carrier partners for this line. [4](https://www.pieinsurance.com/small-business-insurance/general-liability "General Liability Insurance") 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. [8](https://www.risklytics.ai/lines/liability/ "General Liability Insurance") (Evidence: Company-reported; scope: Lines page..)

### Limits

Pie's reviewed page does not publish limits, deductibles or premium ranges for general liability. [4](https://www.pieinsurance.com/small-business-insurance/general-liability "General Liability Insurance") 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. [8](https://www.risklytics.ai/lines/liability/ "General Liability Insurance")

## What to Confirm in General Liability Insurance Quotes

- Ask Pie to name the carrier partner underwriting your policy, since its page refers only to "carrier partners" generally. [4](https://www.pieinsurance.com/small-business-insurance/general-liability "General Liability Insurance")
- 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. [8](https://www.risklytics.ai/lines/liability/ "General Liability Insurance")
- If your business involves hardware near people, ask both whether that risk profile affects eligibility or pricing. [8](https://www.risklytics.ai/lines/liability/ "General Liability Insurance")
- 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. [9](https://www.risklytics.ai/pricing/ "How pricing and broker fees work")

## Offering Details

| Criteria | Pie General Liability Insurance | Risklytics General Liability Insurance |
| --- | --- | --- |
| 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. [4](https://www.pieinsurance.com/small-business-insurance/general-liability "General Liability Insurance") (Evidence: Company-reported; scope: 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. [5](https://www.risklytics.ai/about/ "About Risklytics: who we are") (Evidence: Company-reported; scope: About page; describes Risklytics' brokerage model generally, restated for this line..) |
| Issuing Insurer | The reviewed page refers only to 'our insurance carrier partners' and does not name a specific insurer for Pie's general liability product. [4](https://www.pieinsurance.com/small-business-insurance/general-liability "General Liability Insurance") (Evidence: Not publicly disclosed; scope: General Liability product page as read on 2026-09-23..) | Risklytics does not name the carrier that underwrites Risklytics General Liability Insurance on its site. It says it places business with specialist insurers willing to write robotics, autonomy and AI risk; the issuing carrier appears on the bound policy. [8](https://www.risklytics.ai/lines/liability/ "General Liability Insurance") [5](https://www.risklytics.ai/about/ "About Risklytics: who we are") (Evidence: Company-reported; scope: Lines page and about page; no specific insurer is published for this line..) |
| 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. [4](https://www.pieinsurance.com/small-business-insurance/general-liability "General Liability Insurance") (Evidence: Company-reported; scope: 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. [8](https://www.risklytics.ai/lines/liability/ "General Liability Insurance") (Evidence: Company-reported; scope: Lines page..) |
| 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. [4](https://www.pieinsurance.com/small-business-insurance/general-liability "General Liability Insurance") (Evidence: Company-reported; scope: 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). [8](https://www.risklytics.ai/lines/liability/ "General Liability Insurance") (Evidence: Company-reported; scope: Lines page; the issued policy and declarations control actual coverage..) |
| Limits and Retentions | The reviewed page does not publish limits, deductibles, or premium ranges for general liability coverage. [4](https://www.pieinsurance.com/small-business-insurance/general-liability "General Liability Insurance") (Evidence: Not publicly disclosed; scope: General Liability product page as read on 2026-09-23..) | Risklytics lists a typical ask of $1 million per incident and $2 million total per year for this line, describing it as a typical requested limit rather than a guaranteed policy limit. [8](https://www.risklytics.ai/lines/liability/ "General Liability Insurance") (Evidence: Company-reported; scope: Lines page; actual limits are set on the bound policy..) |
| Risk Services | Not described in the reviewed sources. | 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. [8](https://www.risklytics.ai/lines/liability/ "General Liability Insurance") (Evidence: Company-reported; scope: Lines page..) |
| How to Apply | Pie directs general liability buyers to contact the company to start a quote through its website. [4](https://www.pieinsurance.com/small-business-insurance/general-liability "General Liability Insurance") (Evidence: Company-reported; scope: 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. [9](https://www.risklytics.ai/pricing/ "How pricing and broker fees work") [5](https://www.risklytics.ai/about/ "About Risklytics: who we are") (Evidence: Company-reported; scope: Pricing page describes the general application and fee process, not a line-specific form..) |

## Full Comparison

- [Pie Insurance vs Risklytics](https://spot.insure/compare/pie-insurance-vs-risklytics): all coverage lines, business roles, service and claims.
- [What Is General Liability Insurance?](https://spot.insure/coverage/general-liability): General liability insurance helps with covered claims for injuries to other people, damage to their property and specified advertising offenses.
- [Pie Insurance vs Risklytics Cyber Insurance](https://spot.insure/compare/pie-insurance-vs-risklytics/cyber)
- [Pie Insurance vs Risklytics Workers’ Compensation Insurance](https://spot.insure/compare/pie-insurance-vs-risklytics/workers-compensation)
- [Alliance Risk vs Pie Insurance General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-pie-insurance/general-liability)
- [Alliance Risk vs Risklytics General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-risklytics/general-liability)
- [Amelia Risk vs Pie Insurance General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-pie-insurance/general-liability)
- [Amelia Risk vs Risklytics General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-risklytics/general-liability)
- [Beazley vs Pie Insurance General Liability Insurance](https://spot.insure/compare/beazley-vs-pie-insurance/general-liability)
- [Beazley vs Risklytics General Liability Insurance](https://spot.insure/compare/beazley-vs-risklytics/general-liability)

## Sources

### Pie Insurance

1. [Legal](https://www.pieinsurance.com/legal). Pie Insurance; State Licenses; footer disclosure naming producer and workers’ compensation versus third-party underwriting roles. Accessed 2026-09-15.
2. [Workers’ Comp Insurance For Small Businesses](https://www.pieinsurance.com/workers-comp). 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.
3. [Online Account Tutorial](https://www.pieinsurance.com/resource-center/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.
4. [General Liability Insurance](https://www.pieinsurance.com/small-business-insurance/general-liability). 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.

### Risklytics

5. [About Risklytics: who we are](https://www.risklytics.ai/about/). Risklytics; “What we do”; Licensing: Risklytics Insurance Services, National Producer Number 22311838, resident license Massachusetts. Accessed 2026-09-23.
6. [Insurance for Frontier Tech](https://www.risklytics.ai/). Risklytics; You describe your company; One application. Written for you; footer. Accessed 2026-09-16.
7. [Terms of Service](https://www.risklytics.ai/terms/). Risklytics; Effective August 7, 2026; sections 1–5, 7, 9 and 12. Accessed 2026-09-16.
8. [General Liability Insurance](https://www.risklytics.ai/lines/liability/). Risklytics; Coverage line: General Liability; Built for moments like these; When to buy; Who requires it; How hard to get; Common questions. Accessed 2026-09-23.
9. [How pricing and broker fees work](https://www.risklytics.ai/pricing/). Risklytics; Buying direct / Generic broker / Risklytics comparison table: no broker fee, commission paid by the carrier out of premium. Accessed 2026-09-23.

### General Liability Insurance Guide

10. [Commercial general liability insurance](https://www.iii.org/article/commercial-general-liability-insurance). Insurance Information Institute; Coverage A; Coverage B; Coverage C; Purchasing commercial general liability insurance. Accessed 2026-09-16.
11. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). 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.

Updated 2026-09-23. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/pie-insurance-vs-risklytics/general-liability.md)
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- [Public page index](https://spot.insure/llms.txt)