Pie Insurance vs 
WithCoverage General Liability Insurance
Pie sells a new general liability policy; WithCoverage audits an existing one and reports a client's savings across a wider program.
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. 1,2,3
What Is WithCoverage?
WithCoverage combines commercial insurance brokerage, a risk-management team and software for growing businesses. Buyers can request a review of existing policies, compare insurance options and manage their program with its team. 5,6,7
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. 11,12
Key Differences in General Liability Insurance
New Policy Versus Program Review
Pie helps small businesses obtain general liability coverage "from our insurance carrier partners," functioning as an intermediary for a new policy. 4 WithCoverage instead reviews and benchmarks a business's existing general liability coverage as part of a broader program audit across industries such as construction and restaurants:
WithCoverage is a broker, not an insurer; it reviews general liability coverage as part of a broader insurance-program audit across multiple industries it serves, including construction and restaurants, and can place or transition the coverage. 8,9,10Company-reported. Construction and restaurant industry pages; terms confirm the issuing insurer, not WithCoverage, is responsible for policy obligations.
A Reported Outcome
Pie's page does not include client outcomes or savings figures for general liability. 4 WithCoverage cites a named restaurant client, Bluestone Lane, saying it saved more than $139,000 on business insurance overall while growing year over year, though that figure covers WithCoverage's full program rather than general liability alone. 9
How You Get Started
Pie directs buyers to contact the company to start a general liability quote. 4 WithCoverage instead offers a no-cost program audit, including general liability, that does not require leaving a current broker and is typically completed in about a business day after receiving policy documents. 8
What to Confirm in General Liability Insurance Quotes
- Ask Pie to name the carrier partner underwriting your policy, since its page identifies only "carrier partners" generally. 4
- Ask WithCoverage which insurer it would move your general liability coverage to if the audit finds a gap, since the reviewed pages do not name one. 8
- Ask WithCoverage how much of its reported client savings is attributable to general liability specifically, since the cited figure covers a full program. 9
- Ask both companies for limits and retentions in writing; neither reviewed page publishes standard figures. 4
Offering Details
Pie Insurance vs WithCoverage General Liability Insurance: documented features by provider
| Criteria | Pie General Liability Insurance | WithCoverage General Liability Program Review |
|---|---|---|
| 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. | WithCoverage is a broker, not an insurer; it reviews general liability coverage as part of a broader insurance-program audit across multiple industries it serves, including construction and restaurants, and can place or transition the coverage. 8,9,10Company-reported. Construction and restaurant industry pages; terms confirm the issuing insurer, not WithCoverage, is responsible for policy obligations. |
| 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. | The reviewed pages do not name which insurer or insurers WithCoverage places general liability coverage with for any given client. 8,9Not found in reviewed sources. Construction and restaurant pages 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. 4Company-reported. General Liability product page as read on 2026-09-23; no minimum size or industry restriction was published. | Not described in the reviewed sources. |
| 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. | General liability is explicitly listed among the policies WithCoverage says it reads and benchmarks during a program audit, and is named in the page hero for both construction and restaurant clients specifically. 8,9Company-reported. Program-audit FAQ, repeated identically across WithCoverage's industry pages; hero copy on construction and restaurant pages. |
| 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. | Not described in the reviewed sources. |
| Risk Services | Not described in the reviewed sources. | A named restaurant client, Bluestone Lane, is quoted saying WithCoverage saved it more than $139,000 on business insurance while the business grew year over year, and that WithCoverage's team of hospitality experts provides proactive advice. 9Company-reported. Customer testimonial on the restaurant industry page; describes the overall program including general liability, not a general-liability-only figure, and is a single client's self-reported experience. |
| 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. | WithCoverage offers a no-cost program audit that includes general liability without requiring a client to leave its current broker, typically completed in about one business day after receiving policy documents. 8,9Company-reported. Construction and restaurant page FAQs. |
Full Comparison
More Pie Insurance vs WithCoverage 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.
WithCoverage
- Commercial Insurance & Risk Management. WithCoverage; Industry navigation; Your Risk Management Team; AI Analyzes; One Digital Platform tabs and policy-management showcase. Accessed 2026-09-15.
- About WithCoverage. WithCoverage; Opening description of risk management for businesses without an in-house team. Accessed 2026-09-15.
- WithCoverage Raises $42M Series B. WithCoverage; Founders’ letter: WithCoverage fixes this in 3 key ways; complimentary risk assessment. Accessed 2026-09-15.
- Construction Insurance & Risk Management. WithCoverage; Hero: "One gap in GL, Builder's Risk, or Workers' Comp can wipe out a year of project profit"; Have Questions? program-audit FAQ listing General Liability among reviewed policies. Accessed 2026-09-23.
- Restaurant Insurance & Risk Management. WithCoverage; Hero: "One gap in general liability, liquor liability, or workers' comp can erase a year of service"; Rackson/Bluestone Lane testimonial; Have Questions? program-audit FAQ listing General Liability among reviewed policies. Accessed 2026-09-23.
- Terms & Conditions. WithCoverage; Section 8 Insurance Products: coverage subject to underwriting, carrier terms and policy documents. Accessed 2026-09-23.
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.
