Berkshire Hathaway Specialty Insurance vs Pie Insurance: General Liability Insurance

What Are the Key Differences Between Berkshire Hathaway Specialty Insurance and Pie Insurance General Liability Insurance?

Form extensions and everyday exposures

Berkshire Hathaway Specialty Insurance markets primary GL with contractor broad-form and gradual-pollution features. Pie lists bodily injury, property damage, reputation harm, product liability and advertising injury as categories its GL typically addresses. Businesses should ask BHSI how the specific extensions appear in the form and ask Pie which insurer’s wording applies to each category; the marketing summaries are not substitutes for a policy. [1] [6]

Account threshold and quote start

BHSI sets a $50,000 minimum premium per policy. Pie directs small-business buyers to contact the company to start a quote and describes itself as working with carrier partners rather than underwriting the line. For smaller businesses, the threshold may affect whether a BHSI submission is practical; Pie’s route requires confirming the carrier and the offered terms before comparing total cost. [2] [6]

What Should You Confirm in Berkshire Hathaway Specialty Insurance and Pie Insurance General Liability Insurance Quotes?

Ask BHSI which target class and limit apply, and whether its minimum premium fits. [2]
Ask Pie which partner carrier issues the policy and what limits and exclusions apply. [6]

BHSI markets contractor and gradual-pollution features and a $50,000 premium floor; Pie describes common third-party, product and advertising claims and invites small businesses to request a quote.

Sources and records

01
Casualty
Berkshire Hathaway Specialty Insurance · US casualty product lines and features: Primary General Liability lines 10-34; Primary Products/Completed Operations Liability 35-44; Lead Umbrella and Excess Casualty 46-63 · accessed 2026-09-28
02
Casualty Appetite Guide - U.S.
Berkshire Hathaway Specialty Insurance · Casualty appetite PDF page 1: $50K minimum premium, GL/products/lead umbrella/excess lines, selected $10M excess capacity, placement forms and target/avoided classes; guide dated 2026-07-15 · accessed 2026-09-28
03
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
04
Commercial general liability insurance
Insurance Information Institute · Coverage A; Coverage B; Coverage C; Purchasing commercial general liability insurance · accessed 2026-09-16
05
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
06
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

Provider coverage details

Berkshire Hathaway Specialty Insurance

coverage: BHSI markets primary general liability, with contractor broad-form coverage, gradual-pollution features and flexible limits in its product overview. BHSI US specialty commercial primary GL. Material limitation: These are overview features, not universal policy grants; forms and endorsements vary.company-reportedSource ↗
eligibility: The casualty guide lists primary GL forms and identifies commercial real estate, retail/grocery, financial institutions, construction and energy as target classes. US casualty appetite guide dated 2026-07-15. Material limitation: Guide includes classes to avoid and $50,000 minimum policy premium; acceptance is underwritten.company-reportedSource ↗
limits: BHSI’s casualty appetite guide sets a $50,000 minimum premium per policy and lists primary GL as an eligible line. Selected US casualty accounts under guide dated 2026-07-15. Material limitation: Minimum premium is appetite guidance, not a quoted price or guaranteed minimum for all products.company-reportedSource ↗

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 ↗