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

The Hartford markets general liability stand-alone or inside a Business Owner's Policy and runs a 24/7 claims phone line; Pie Insurance says it gets small businesses coverage from its carrier partners and starts quotes on its website.

The Hartford underwrites its own general liability policy and reports an average premium near $810 a year, while Pie places the line with unnamed carrier partners and does not publish pricing. ^2,¹

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

Who Carries the Risk

Pie describes itself as helping small businesses get coverage "from our insurance carrier partners," naming no specific insurer for this line. ¹ The Hartford's page presents itself as the party offering and pricing the policy directly, standalone or bundled into a Business Owner's Policy:

The Hartford's general liability insurance (GLI), also called commercial general liability (CGL), helps protect small businesses from third-party claims of bodily injury or property damage. It can be bought as a stand-alone policy or bundled into a Business Owner's Policy. ²Company-reported. General liability product page as read 2026-09-23.

Pricing Detail

Pie's reviewed page does not publish limits, deductibles or premium ranges for general liability. ¹ The Hartford instead reports an average premium of about $810 a year, or $67 a month, and lists the factors it says drive that number: business type, revenue, employee count, location, limits and claims history. ²

Coverage Detail

Pie's coverage list stays at the category level: bodily injury, property damage, reputation harm, product liability and advertising injury. ¹ The Hartford's list goes further, separately naming copyright infringement in advertising, products-completed operations claims after a job ends, and medical payments regardless of fault, while treating product recall as an add-on rather than a base feature. ²

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

Ask Pie to name the carrier partner underwriting your policy, since its page identifies only "carrier partners" generally. ¹
Ask The Hartford how your own quote compares to its published $810 average, since the figure is a book-wide average rather than a rate table. ²
Ask whether product recall coverage is included in either quote or needs to be added by endorsement. ²
Ask each company how to file a claim; The Hartford publishes a 24/7 claims phone line, while Pie's reviewed page does not describe a claims process for this line. ³

Pie Insurance vs The Hartford General Liability Insurance Compared

Pie Insurance vs The Hartford: General Liability Insurance: documented features by provider

Criteria	Pie General Liability Insurance	The Hartford 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.	The Hartford markets GL coverage to businesses that meet clients face-to-face, work on or with client property, use third-party locations, or advertise, and names specific professions it targets, including architects, engineers, photographers, hair salons, gym owners, interior designers, technology companies, landscapers and real estate agents. ²Company-reported. General liability product page as read 2026-09-23.
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.	The Hartford lists key coverages under its GL policy: bodily injury, property damage, personal and advertising injury (like libel or false advertising claims), legal fees/judgments/settlements, copyright infringement in advertising, products-completed operations (claims after a job is finished), and medical payments for minor injuries regardless of fault. Product liability coverage is included as part of the GL policy, while product recall is available only as an endorsement. ²Company-reported. General liability product page as read 2026-09-23. Coverage descriptions are general; the issued policy controls.
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.	The Hartford's general liability insurance (GLI), also called commercial general liability (CGL), helps protect small businesses from third-party claims of bodily injury or property damage. It can be bought as a stand-alone policy or bundled into a Business Owner's Policy. ²Company-reported. General liability product page as read 2026-09-23.