AIG vs Pie Insurance: General Liability Insurance

Pie Insurance works as an intermediary with carrier partners rather than the underwriter, and starts a general liability quote through its website for small businesses; AIG lists the line only inside named programs such as dental practices.

Montgomery Risk Partners prepared this library from Spot.Insure comparison research and underlying public records.Research updated 2026-09-30

AIG ties General Liability to named industry programs; Pie describes small-business GL through carrier partners and invites buyers to start a quote online.

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

Named program scope and small-business market

AIG’s program directory lists General Liability for specific groups such as crane and rigging, dental, manufactured housing and towing. Pie markets GL to small businesses broadly alongside workers’ compensation, commercial auto, cyber and business-owner coverage. Those descriptions suggest different starting points: identify the relevant AIG program or ask Pie to assess your business with its carrier partners. Neither public statement guarantees a quote or eligibility. [1] [5]

What a buyer receives

Pie says its GL typically addresses bodily injury, property damage, reputation harm, product liability and advertising injury. AIG’s directory confirms GL is included in certain programs but does not describe covered claims or exclusions. If you sell products or advertise, ask Pie and the AIG program contact to show whether those exposures are covered, endorsed or excluded in the actual wording. [5] [1]

Carrier identity and binding authority

Pie acts as an intermediary working with carrier partners and directs buyers to contact it to start a quote. AIG describes program-level underwriting and claims resources, with coverage limited to the named program context. Before binding either option, identify the issuing insurer, policy administrator and claims route, then compare limits and exclusions in the quote. [5] [5] [1]

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

  • Which AIG program accepts your specific class, and who issues and administers that policy?
  • Which carrier would Pie approach, and does its proposed GL form cover your products and completed work?

Provider coverage details

AIG

  • role: This evidence supports general liability only within the named AIG programs cited here; it does not establish one uniform standalone general liability product across all businesses. Role in this product is limited to the description on the linked AIG source.company-reportedSource ↗
  • eligibility: AIG lists general liability within selected programs for audiences such as community associations, crane and rigging businesses, dental practices, leisure operations, manufactured housing, motorsports, psychoanalysts and towing operations. This is not a universal industry eligibility statement. Audience is the segment AIG names on the linked source; this is not an underwriting decision, quote or guarantee of availability.company-reportedSource ↗
  • coverage: The program directory identifies General Liability as a coverage component in the cited named programs. It does not publish the occurrence definitions, covered operations, limits, exclusions or endorsements for any buyer’s policy. AIG’s public product description is not the policy. Actual entitlement depends on the applicable issued form, endorsements and declarations.company-reportedSource ↗
  • services: AIG describes underwriting, claims and loss-control teams for its Program Administrators, including program development support and admitted/non-admitted structures. These program services are separate from policy entitlement. The linked page describes company-reported support; specific account services and third-party arrangements must be confirmed.company-reportedSource ↗
  • limits: No general liability limit, deductible or retention for a particular program is stated in the directory. Confirm the program-specific quote and issued form. This statement reports only what the linked public source discloses and does not substitute for a quote or issued policy.not-disclosedSource ↗

Pie Insurance

  • role: 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. General Liability product page as read on 2026-09-23.company-reportedSource ↗
  • insurer: The reviewed page refers only to 'our insurance carrier partners' and does not name a specific insurer for Pie's general liability product. General Liability product page as read on 2026-09-23.not-disclosedSource ↗
  • coverage: 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. General Liability product page as read on 2026-09-23; the issued policy controls actual insuring agreements and exclusions.company-reportedSource ↗
  • eligibility: 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. General Liability product page as read on 2026-09-23; no minimum size or industry restriction was published.company-reportedSource ↗
  • application: Pie directs general liability buyers to contact the company to start a quote through its website. General Liability product page as read on 2026-09-23.company-reportedSource ↗
  • limits: The reviewed page does not publish limits, deductibles, or premium ranges for general liability coverage. General Liability product page as read on 2026-09-23.not-disclosedSource ↗

Sources and records

  1. 01
    AIG Programs Insurance

    AIG · Official AIG program directory, lines 384–397 (community associations), 409–423 (crane/rigging), 424–437 (dental), 485–498 (leisure), 510–525 (manufactured housing), 526–543 (motorsports), 544–552 (psychoanalysts), and 611–626 (towing): named audiences and GL schedule entries. Program administration and policy caveat at lines 242–284 and 680–680. · accessed 2026-09-30

  2. 02
    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

  3. 03
    Commercial general liability insurance

    Insurance Information Institute · Coverage A; Coverage B; Coverage C; Purchasing commercial general liability insurance · accessed 2026-09-16

  4. 04
    Commercial General Liability Coverage Form

    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

  5. 05
    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

Use this comparison as a starting point for a discussion about your business and its insurance needs.

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