---
title: "Pie Insurance vs The Hartford: General Liability Insurance"
description: "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."
canonical: "https://spot.insure/compare/pie-insurance-vs-the-hartford/general-liability"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "pie-insurance-vs-the-hartford"
provider-a: "pie-insurance"
provider-b: "the-hartford"
coverage-line: "general-liability"
---

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

## Agent Guide

**What this page is:** Focused comparison of Pie Insurance and The Hartford 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 The Hartford. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Pie Insurance vs The Hartford for General Liability Insurance: how do they differ?
- Which is better for General Liability Insurance, Pie Insurance or The Hartford?
- What does Pie Insurance or The Hartford publish about General Liability Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: General Liability Insurance. Providers: Pie Insurance and The Hartford.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- 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; last updated 2026-09-25.

**Related pages:**
- [Pie Insurance vs The Hartford](https://spot.insure/compare/pie-insurance-vs-the-hartford) — all coverage lines for this pair
- [General Liability Insurance guide](https://spot.insure/coverage/general-liability) — how this coverage works
- [Pie Insurance profile](https://spot.insure/insurance-providers/pie-insurance) — provider profile
- [The Hartford profile](https://spot.insure/insurance-providers/the-hartford) — provider profile

# 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.

Pie names no general liability insurer or premium figures; The Hartford names itself as insurer and publishes an average annual premium.

## Pie Insurance vs The Hartford General Liability Insurance Summary

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](https://www.thehartford.com/general-liability-insurance "General Liability Insurance") [1](https://www.pieinsurance.com/small-business-insurance/general-liability "General Liability Insurance")

## 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](https://www.pieinsurance.com/small-business-insurance/general-liability "General Liability Insurance") 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. [2](https://www.thehartford.com/general-liability-insurance "General Liability Insurance") (Evidence: Company-reported; scope: 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](https://www.pieinsurance.com/small-business-insurance/general-liability "General Liability Insurance") 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](https://www.thehartford.com/general-liability-insurance "General Liability Insurance")

### Coverage Detail

Pie's coverage list stays at the category level: bodily injury, property damage, reputation harm, product liability and advertising injury. [1](https://www.pieinsurance.com/small-business-insurance/general-liability "General Liability Insurance") 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](https://www.thehartford.com/general-liability-insurance "General Liability Insurance")

## 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](https://www.pieinsurance.com/small-business-insurance/general-liability "General Liability Insurance")
- 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](https://www.thehartford.com/general-liability-insurance "General Liability Insurance")
- Ask whether product recall coverage is included in either quote or needs to be added by endorsement. [2](https://www.thehartford.com/general-liability-insurance "General Liability Insurance")
- 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](https://www.thehartford.com/general-liability-insurance/claims "General Liability Claims | File A Claim")

## Pie Insurance vs The Hartford General Liability Insurance Compared

| 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. [1](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 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. [2](https://www.thehartford.com/general-liability-insurance "General Liability Insurance") (Evidence: Company-reported; scope: 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. [1](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 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. [2](https://www.thehartford.com/general-liability-insurance "General Liability Insurance") (Evidence: Company-reported; scope: 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. [1](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 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. [2](https://www.thehartford.com/general-liability-insurance "General Liability Insurance") (Evidence: Company-reported; scope: General liability product page as read 2026-09-23..) |

## About Pie Insurance and The Hartford and General Liability Insurance

- [Pie Insurance company profile](https://spot.insure/insurance-providers/pie-insurance) · [Pie Insurance customer reviews](https://spot.insure/insurance-providers/pie-insurance/reviews)
- [The Hartford company profile](https://spot.insure/insurance-providers/the-hartford) · [The Hartford customer reviews](https://spot.insure/insurance-providers/the-hartford/reviews)
- [What Is General Liability Insurance?](https://spot.insure/coverage/general-liability)

## Related Pages for Pie Insurance vs The Hartford General Liability

- [Pie Insurance vs The Hartford](https://spot.insure/compare/pie-insurance-vs-the-hartford): 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 General Liability Insurance](https://spot.insure/insurance-providers/pie-insurance/general-liability)
- [The Hartford General Liability Insurance](https://spot.insure/insurance-providers/the-hartford/general-liability)

## Sources for Pie Insurance vs The Hartford General Liability Insurance

### Sources About Pie Insurance

1. [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.

### Sources About The Hartford

2. [General Liability Insurance](https://www.thehartford.com/general-liability-insurance). The Hartford; What Is General Liability Insurance?; How Much Does General Liability Insurance Cost?; Key Coverages; Examples of General Liability Coverage; Bundle It All With a BOP; Who Needs General Liability Insurance?. Accessed 2026-09-23.
3. [General Liability Claims | File A Claim](https://www.thehartford.com/general-liability-insurance/claims). The Hartford; 24/7 phone 800-327-3636; online general-liability claim form. Accessed 2026-09-23.

Updated 2026-09-25. 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.

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