---
title: "Pie Insurance vs TechInsurance General Liability Insurance"
description: "Pie publishes no general liability limits or premium data; TechInsurance reports a median premium and the limit combination most of its customers pick."
canonical: "https://spot.insure/compare/pie-insurance-vs-techinsurance/general-liability"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, and get_rankings for current provider rankings. The server is read-only and requires no authentication.

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

# Pie Insurance vs TechInsurance General Liability Insurance

Pie publishes no general liability limits or premium data; TechInsurance reports a median premium and the limit combination most of its customers pick.

## Research Scope and Use

Use this comparison to evaluate Pie Insurance and TechInsurance 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

TechInsurance reports a median general liability premium of $45 a month and says about 90% of its customers choose $1M/$2M limits, figures Pie's general liability page does not publish. [7](https://www.techinsurance.com/general-liability-insurance "Commercial General Liability Insurance Quotes Online") [4](https://www.pieinsurance.com/small-business-insurance/general-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 TechInsurance?

TechInsurance is a small-business insurance agency and brokerage with a technology focus, offering online quote comparison and agent assistance through the Insureon organization. [5](https://www.techinsurance.com/about-us "About TechInsurance") [6](https://www.techinsurance.com/contact-us "Contact Us")

[TechInsurance profile](https://spot.insure/insurance-providers/techinsurance)

## 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. [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")

## Key Differences in General Liability Insurance

### Pricing Transparency

Pie's general liability page does not publish limits, deductibles or premium ranges for the line. [4](https://www.pieinsurance.com/small-business-insurance/general-liability "General Liability Insurance") TechInsurance instead reports that nearly 90% of its customers choose $1 million per-occurrence and $2 million aggregate limits, at a median premium of $45 a month:

TechInsurance says nearly 90% of its customers choose a general liability policy with a $1 million per-occurrence limit and a $2 million aggregate limit, and that its customers pay a median of $45 per month for the coverage. [7](https://www.techinsurance.com/general-liability-insurance "Commercial General Liability Insurance Quotes Online") (Evidence: Company-reported; scope: General liability product page; a company-reported median and common-limit figure from TechInsurance's own book of business, not a published rate table..)

### Who Each Sells To

Pie markets general liability to small businesses generally, cross-selling it alongside workers' compensation, commercial auto, cyber and BOP coverage. [4](https://www.pieinsurance.com/small-business-insurance/general-liability "General Liability Insurance") TechInsurance narrows its framing to businesses that interact with the public: those that let customers into a store or office, visit client sites, handle client property, sell products or advertise online. [7](https://www.techinsurance.com/general-liability-insurance "Commercial General Liability Insurance Quotes Online")

### Who Underwrites the Policy

Pie names only unspecified "insurance carrier partners" for this line. [4](https://www.pieinsurance.com/small-business-insurance/general-liability "General Liability Insurance") TechInsurance's page similarly does not name an insurer, but describes returning quotes from multiple carriers rather than placing with a single named partner group. [7](https://www.techinsurance.com/general-liability-insurance "Commercial General Liability Insurance Quotes Online")

## What to Confirm in General Liability Insurance Quotes

- Ask Pie to name the carrier partner underwriting your policy and to provide sample limits in writing. [4](https://www.pieinsurance.com/small-business-insurance/general-liability "General Liability Insurance")
- Ask TechInsurance which carrier from its quote set is actually issuing your policy. [7](https://www.techinsurance.com/general-liability-insurance "Commercial General Liability Insurance Quotes Online")
- Compare TechInsurance's median $45-a-month figure against your own quote, since it reflects TechInsurance's book of business rather than a rate guarantee. [7](https://www.techinsurance.com/general-liability-insurance "Commercial General Liability Insurance Quotes Online")
- Ask whether TechInsurance's same-day certificate of insurance applies to your specific quote before you rely on that timeline. [7](https://www.techinsurance.com/general-liability-insurance "Commercial General Liability Insurance Quotes Online")

## Offering Details

| Criteria | Pie General Liability Insurance | TechInsurance Commercial 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..) | TechInsurance arranges general liability insurance for small businesses and describes it as often the first policy small business owners buy. [7](https://www.techinsurance.com/general-liability-insurance "Commercial General Liability Insurance Quotes Online") (Evidence: Company-reported; scope: General liability product page..) |
| 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..) | The reviewed page does not name the issuing insurer for a general liability policy; TechInsurance describes returning quotes from multiple carriers rather than naming one upfront. [7](https://www.techinsurance.com/general-liability-insurance "Commercial General Liability Insurance Quotes Online") (Evidence: Not publicly disclosed; scope: General liability product page as read on 2026-09-23..) |
| 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..) | TechInsurance targets general liability at small businesses that interact with the public, including those that let customers into a store or office, visit clients' homes or businesses, handle client property, sell products, or advertise online. [7](https://www.techinsurance.com/general-liability-insurance "Commercial General Liability Insurance Quotes Online") (Evidence: Company-reported; scope: General liability product 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..) | TechInsurance says general liability insurance covers third-party bodily injury, property damage, copyright infringement, defamation (libel or slander), and often includes product liability coverage or the option to add it by endorsement. [7](https://www.techinsurance.com/general-liability-insurance "Commercial General Liability Insurance Quotes Online") (Evidence: Company-reported; scope: General liability product page; general policy description, not a specific policy form..) |
| 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..) | TechInsurance says nearly 90% of its customers choose a general liability policy with a $1 million per-occurrence limit and a $2 million aggregate limit, and that its customers pay a median of $45 per month for the coverage. [7](https://www.techinsurance.com/general-liability-insurance "Commercial General Liability Insurance Quotes Online") (Evidence: Company-reported; scope: General liability product page; a company-reported median and common-limit figure from TechInsurance's own book of business, not a published rate table..) |
| 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 request general liability quotes online through a short application; TechInsurance says licensed agents in all 50 states are available to help pick a policy, and a certificate of insurance is typically available the same day you buy coverage. [7](https://www.techinsurance.com/general-liability-insurance "Commercial General Liability Insurance Quotes Online") (Evidence: Company-reported; scope: General liability product page application and certificate sections..) |

## Full Comparison

- [Pie Insurance vs TechInsurance](https://spot.insure/compare/pie-insurance-vs-techinsurance): 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 TechInsurance Business Owner’s Policy](https://spot.insure/compare/pie-insurance-vs-techinsurance/business-owners-policy)
- [Pie Insurance vs TechInsurance Cyber Insurance](https://spot.insure/compare/pie-insurance-vs-techinsurance/cyber)
- [Pie Insurance vs TechInsurance Professional Liability (E&O) Insurance](https://spot.insure/compare/pie-insurance-vs-techinsurance/professional-errors-omissions)
- [Pie Insurance vs TechInsurance Workers’ Compensation Insurance](https://spot.insure/compare/pie-insurance-vs-techinsurance/workers-compensation)
- [Alliance Risk vs Pie Insurance General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-pie-insurance/general-liability)
- [Alliance Risk vs TechInsurance General Liability Insurance](https://spot.insure/compare/alliance-risk-vs-techinsurance/general-liability)
- [Amelia Risk vs Pie Insurance General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-pie-insurance/general-liability)
- [Amelia Risk vs TechInsurance General Liability Insurance](https://spot.insure/compare/amelia-risk-vs-techinsurance/general-liability)
- [Beazley vs Pie Insurance General Liability Insurance](https://spot.insure/compare/beazley-vs-pie-insurance/general-liability)
- [Beazley vs TechInsurance General Liability Insurance](https://spot.insure/compare/beazley-vs-techinsurance/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.

### TechInsurance

5. [About TechInsurance](https://www.techinsurance.com/about-us). TechInsurance; Opening description; one-application process; History of TechInsurance, 2011 and 2022 entries. Accessed 2026-09-16.
6. [Contact Us](https://www.techinsurance.com/contact-us). TechInsurance; FAQs: How does TechInsurance work? (agent assistance obtaining surety bonds); agent or broker role; application; finding quotes; updating address; certificates. Accessed 2026-09-16.
7. [Commercial General Liability Insurance Quotes Online](https://www.techinsurance.com/general-liability-insurance). TechInsurance; What does general liability insurance cover? (bodily injury, property damage, copyright infringement, defamation, product liability); How much does general liability insurance cost?; How much general liability coverage do you need? (90% of customers choose $1M/$2M limits); What are coverage types A, B, and C?. Accessed 2026-09-23.

### 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.

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-techinsurance/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)