---
title: "Pie Insurance vs Simply Business: General Liability Insurance"
description: "Pie lists product liability and advertising injury among typical general liability categories, while Simply Business highlights third-party accidents, property damage and defense costs."
canonical: "https://spot.insure/compare/pie-insurance-vs-simply-business/general-liability"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "pie-insurance-vs-simply-business"
provider-a: "pie-insurance"
provider-b: "simply-business"
coverage-line: "general-liability"
---

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

## Agent Guide

**What this page is:** Focused comparison of Pie Insurance and Simply Business for General Liability Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for General Liability Insurance questions about Pie Insurance versus Simply Business. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Pie Insurance vs Simply Business for General Liability Insurance: how do they differ?
- Which is better for General Liability Insurance, Pie Insurance or Simply Business?
- What does Pie Insurance or Simply Business publish about General Liability Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for General Liability Insurance from Pie Insurance or Simply Business?

**Key facts:**
- Line: General Liability Insurance. Providers: Pie Insurance and Simply Business.
- Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- "Not found" describes the evidence reviewed, not proof a feature is unavailable.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date in the Sources section; last updated 2026-09-30. Editorial policy: /editorial-policy.

**Related pages:**
- [Pie Insurance vs Simply Business](https://spot.insure/compare/pie-insurance-vs-simply-business) — parent: all coverage lines for this pair
- [General Liability Insurance guide](https://spot.insure/coverage/general-liability) — coverage explainer for this line
- [Pie Insurance profile](https://spot.insure/insurance-providers/pie-insurance) — provider profile (evidence)
- [Simply Business profile](https://spot.insure/insurance-providers/simply-business) — provider profile (evidence)
- [Pie Insurance vs Simply Business Professional Liability (E&O) Insurance](https://spot.insure/compare/pie-insurance-vs-simply-business/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Pie Insurance vs Simply Business Workers’ Compensation Insurance](https://spot.insure/compare/pie-insurance-vs-simply-business/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [AIG vs Pie Insurance General Liability Insurance](https://spot.insure/compare/aig-vs-pie-insurance/general-liability) — sibling comparison (other line, or other pair for this line)
- [AIG vs Simply Business General Liability Insurance](https://spot.insure/compare/aig-vs-simply-business/general-liability) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Pie Insurance General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-pie-insurance/general-liability) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs Pie Insurance General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-pie-insurance/general-liability) — sibling comparison (other line, or other pair for this line)
- [Aon vs Pie Insurance General Liability Insurance](https://spot.insure/compare/aon-vs-pie-insurance/general-liability) — sibling comparison (other line, or other pair for this line)
- [Aon vs Simply Business General Liability Insurance](https://spot.insure/compare/aon-vs-simply-business/general-liability) — sibling comparison (other line, or other pair for this line)

# Pie Insurance vs Simply Business: How Do They Compare for General Liability Insurance?

Pie lists product liability and advertising injury among typical general liability categories, while Simply Business highlights third-party accidents, property damage and defense costs.

## Research Scope and Use

Use this comparison to evaluate Pie Insurance and Simply Business 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’s general liability description names product and advertising injury alongside bodily injury and property damage. Simply Business describes third-party accidents and legal-defense costs and offers an online quote route; compare the carrier forms for your products and advertising risks. [4](https://www.pieinsurance.com/small-business-insurance/general-liability "General Liability Insurance") [7](https://www.simplybusiness.com/business-insurance/general-liability-insurance/ "General Liability Insurance for a Small Business")

## 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](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)

## 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](https://www.simplybusiness.com/about-us/ "Our Small Business Insurance Story") [6](https://www.simplybusiness.com/terms-conditions/ "Terms of Service")

[Simply Business profile](https://spot.insure/insurance-providers/simply-business)

## 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](https://www.iii.org/article/commercial-general-liability-insurance "Commercial general liability insurance") [9](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [10](https://www.hiscox.com/documents/partner-agent/specimen_forms/GL_Form.pdf "Commercial General Liability Coverage Form")

## 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](https://www.pieinsurance.com/small-business-insurance/general-liability "General Liability Insurance") [7](https://www.simplybusiness.com/business-insurance/general-liability-insurance/ "General Liability Insurance for a Small Business")

### 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](https://www.pieinsurance.com/small-business-insurance/general-liability "General Liability Insurance") [6](https://www.simplybusiness.com/terms-conditions/ "Terms of Service")

## What to Confirm in General Liability Insurance Quotes

- Ask Pie which partner insurer is quoting, and request its product-liability and advertising-injury wording and exclusions. [4](https://www.pieinsurance.com/small-business-insurance/general-liability "General Liability Insurance")
- Ask Simply Business whether its proposed carrier form includes product and advertising injury, then confirm approval and binding steps. [7](https://www.simplybusiness.com/business-insurance/general-liability-insurance/ "General Liability Insurance for a Small Business") [6](https://www.simplybusiness.com/terms-conditions/ "Terms of Service")

## Offering Details

| 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. [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..) | 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. [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..) | 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. [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..) | 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. [7](https://www.simplybusiness.com/business-insurance/general-liability-insurance/ "General Liability Insurance for a Small Business") (Evidence: Company-reported; scope: 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. [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..) | 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. [7](https://www.simplybusiness.com/business-insurance/general-liability-insurance/ "General Liability Insurance for a Small Business") (Evidence: Company-reported; scope: 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. [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..) | Confirm in your quote. |
| 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..) | 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](https://www.simplybusiness.com/business-insurance/general-liability-insurance/ "General Liability Insurance for a Small Business") [6](https://www.simplybusiness.com/terms-conditions/ "Terms of Service") (Evidence: Company-reported; scope: Company-published general-liability information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer..) |

## Full Comparison

- [Pie Insurance vs Simply Business](https://spot.insure/compare/pie-insurance-vs-simply-business): all coverage lines, business roles, service and claims.
- [What Is General Liability Insurance?](https://spot.insure/coverage/general-liability): General liability can protect your business from covered injury and property-damage claims; your building, tools and stock need separate property coverage.
- [Pie Insurance vs Simply Business Professional Liability (E&O) Insurance](https://spot.insure/compare/pie-insurance-vs-simply-business/professional-errors-omissions)
- [Pie Insurance vs Simply Business Workers’ Compensation Insurance](https://spot.insure/compare/pie-insurance-vs-simply-business/workers-compensation)
- [AIG vs Pie Insurance General Liability Insurance](https://spot.insure/compare/aig-vs-pie-insurance/general-liability)
- [AIG vs Simply Business General Liability Insurance](https://spot.insure/compare/aig-vs-simply-business/general-liability)
- [Alliance Risk vs Pie Insurance General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-pie-insurance/general-liability)
- [Amelia Risk vs Pie Insurance General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-pie-insurance/general-liability)
- [Aon vs Pie Insurance General Liability Insurance](https://spot.insure/compare/aon-vs-pie-insurance/general-liability)
- [Aon vs Simply Business General Liability Insurance](https://spot.insure/compare/aon-vs-simply-business/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.

### Simply Business

5. [Our Small Business Insurance Story](https://www.simplybusiness.com/about-us/). Simply Business; Opening description and audience; digital marketplace, business types and U.S. service.. Accessed 2026-09-29.
6. [Terms of Service](https://www.simplybusiness.com/terms-conditions/). 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.
7. [General Liability Insurance for a Small Business](https://www.simplybusiness.com/business-insurance/general-liability-insurance/). 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

8. [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.
9. [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.
10. [Commercial General Liability Coverage Form](https://www.hiscox.com/documents/partner-agent/specimen_forms/GL_Form.pdf). 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.

Updated 2026-09-30. 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.

## Pie Insurance Reviews

Review Score: 1.7 / 10 from 2 rated sources, equally weighted.

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.

- Trustpilot: TrustScore 1.7 (5 stars); 666 reviews. Brand-level Trustpilot consumer reviews; policy product is generally identified as workers’ compensation, but reviewer policy/entity scope varies. Checked 2026-09-25. [Pie Insurance Reviews - Trustpilot](https://www.trustpilot.com/review/www.pieinsurance.com)
- BBB: BBB Rating F (BBB letter grade). BBB profile for commercial insurance services; BBB grade and complaint-response record, not policy performance measure. Period: BBB profile reports 15 complaints filed, 13 unanswered; complaint data, not reviews. Checked 2026-09-25. [Pie Insurance Services | BBB Business Profile](https://www.bbb.org/us/dc/washington/profile/commercial-insurance-services/pie-insurance-services-0241-236060990)

Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/pie-insurance/reviews).

## Simply Business Reviews

Review Score: 5.7 / 10 from 4 rated sources, equally weighted.

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.

- Trustpilot: TrustScore 4.3 (out of 5); 1901 reviews. Simply Business US Trustpilot profile. Reviews are not tied to a specific insurance line or insurer. Period: profile accessed 2026-09-29; 419 in last 12 months. Checked 2026-09-29. [Simply Business US Reviews](https://www.trustpilot.com/review/simplybusiness.com)
- ConsumerAffairs: ConsumerAffairs header rating 1.0 (out of 5 (breakdown conflicts with review filters)); 148 reviews. ConsumerAffairs Simply Business page, broad business-insurance context; not line-specific. Period: page updated 2026-09-17; denominator unresolved. Checked 2026-09-29. [Simply Business Reviews](https://www.consumeraffairs.com/insurance/simply-business.html)
- BBB: BBB business grade B+ (BBB letter grade). BBB profile classifies Simply Business as an insurance agency; business grade, consumer-review average and complaint ledger are separate measures, none is line-specific. Period: profile accessed 2026-09-29. Checked 2026-09-29. [Simply Business BBB Business Profile](https://www.bbb.org/us/ma/boston/profile/insurance-agency/simply-business-0021-539591); [Simply Business BBB Complaints](https://www.bbb.org/us/ma/boston/profile/insurance-agency/simply-business-0021-539591/complaints); [Simply Business BBB Customer Reviews](https://www.bbb.org/us/ma/boston/profile/insurance-agency/simply-business-0021-539591/customer-reviews)
- BBB: BBB customer review average 1.95 (out of 5); 20 reviews. BBB customer-review average for the Simply Business profile (Boston, MA). Separate from the business grade. Period: BBB review page checked 2026-09-29. Checked 2026-09-29. [Simply Business BBB Customer Reviews](https://www.bbb.org/us/ma/boston/profile/insurance-agency/simply-business-0021-539591/customer-reviews)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/simply-business/reviews).

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/pie-insurance-vs-simply-business/general-liability.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)