Pie Insurance vs 
Simply Business: How Do They Compare for General Liability Insurance?
What Is Pie Insurance?
Pie suits small businesses seeking workers’ compensation with online quoting and pay-as-you-go billing based on reported payroll, without an initial deposit; firms needing a broad technology or executive program should look elsewhere. 1,2,3
Simply Business: Online Small-Business Insurance Marketplace
Simply Business describes a digital marketplace and licensed-producer service for small businesses. The policy and selected insurer determine coverage, fees, servicing and claims responsibilities. 5,6
What Is General Liability Insurance?
General liability can protect your business when a customer or visitor claims you caused injury or damaged their property. It suits businesses serving customers or working on their premises; your own building, tools and stock need property coverage. 8,9,10
Key Differences in General Liability Insurance
Product and advertising injury descriptions
Pie lists product liability, advertising injury and reputation harm such as slander or libel among the categories its general liability coverage typically addresses. Simply Business describes potential third-party bodily injury, property damage and legal-defense costs, but its reviewed record does not specify product or advertising injury detail. If you sell products or face advertising-related contract requirements, compare the actual definitions and exclusions on each carrier’s form. 4 7
Quote access and insurer selection
Pie directs buyers to contact it to start a quote and says coverage comes from carrier partners. Simply Business starts with an online quote and says the quote is not guaranteed until a panel member approves the risk. Ask who the insurer is and what approval remains before comparing bindable terms. 4 6
What to Confirm in General Liability Insurance Quotes
Review Scores
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
Pie Insurance
Review Score
2 rated sources
Pie’s service record raises clear concerns: elevated regulator complaints reported by NerdWallet, 1.7/5 on Trustpilot and an F from BBB. Investigate billing, cancellation and complaint handling before buying.[1][4][6]
Read Pie Insurance reviewsSimply Business
Review Score
4 rated sources
Customers disagree about Simply Business. Trustpilot shows 4.3 out of 5 from 1,901 reviews, but BBB customers give it 1.95 from 20 reviews and ConsumerAffairs shows 1.0.[6][10][7]
Read Simply Business reviewsOffering Details
Pie Insurance vs Simply Business: General Liability Insurance: documented features by provider
| Criteria | Pie General Liability Insurance | General liability insurance through Simply Business |
|---|---|---|
| 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. 4Company-reported. General Liability product page as read on 2026-09-23. | Confirm in your quote. |
| 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. 4Not publicly disclosed. General Liability product page as read on 2026-09-23. | Confirm in your quote. |
| 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. 4Company-reported. General Liability product page as read on 2026-09-23; no minimum size or industry restriction was published. | The page discusses sole proprietors, partnerships, LLCs, home-based businesses, independent contractors and freelancers as examples of small-business buyers. Examples do not guarantee a carrier quote or eligibility. 7Company-reported. Company-published general-liability information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer. |
| 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. 4Company-reported. General Liability product page as read on 2026-09-23; the issued policy controls actual insuring agreements and exclusions. | The company describes general liability as potentially addressing third-party accidents, bodily injury, third-party property damage and legal-defense costs. Its page says employee injuries are not covered by this line. This is educational material, not a policy form. 7Company-reported. Company-published general-liability information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer. |
| Limits and Retentions | The reviewed page does not publish limits, deductibles, or premium ranges for general liability coverage. 4Not publicly disclosed. General Liability product page as read on 2026-09-23. | Confirm in your quote. |
| How to Apply | Pie directs general liability buyers to contact the company to start a quote through its website. 4Company-reported. General Liability product page as read on 2026-09-23. | Simply Business directs buyers to an online quote flow; its Terms say a quote is not guaranteed and the producer cannot bind a risk without panel-member approval. 7,6Company-reported. Company-published general-liability information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer. |
Full Comparison
More Pie Insurance vs Simply Business Comparisons
Other General Liability Insurance Comparisons
Sources
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.
Simply Business
- Our Small Business Insurance Story. Simply Business; Opening description and audience; digital marketplace, business types and U.S. service. Accessed 2026-09-29.
- Terms of Service. Simply Business; Dated June 30, 2026; §1 lines 22–28; §8 lines 87–113; §10 lines 143–149; §19 line 211. Accessed 2026-09-29.
- General Liability Insurance for a Small Business. Simply Business; Coverage lines 51–75; audience lines 61–65, 153–155; application and examples elsewhere on page. Accessed 2026-09-29.
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.
- Commercial General Liability Coverage Form. ISO; specimen hosted by Hiscox; I.A pp.1–5; I.B pp.6–7; I.C pp.7–8; Supplementary Payments p.8; II pp.9–10; III p.10; IV pp.10–12. Accessed 2026-09-16.
