Foxquilt vs Pie Insurance: General Liability Insurance

Pie Insurance places GL with carrier partners for small businesses; Foxquilt identifies contractors, e-commerce, and personal services among its target classes, with additional trades subject to quote eligibility.

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

Foxquilt names contractors, eCommerce and personal services; Pie says its GL comes from carrier partners and lists product liability among typical categories.

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

Trade Appetite and Insured Events

Foxquilt names contractors, eCommerce and personal services and says it writes CGL for additional trades, subject to quote eligibility. Pie describes its general-liability category as including product liability alongside bodily injury, property damage, reputation harm and advertising injury. If your work includes products, ask both for the actual form and confirm how completed operations and product claims are handled; Foxquilt’s overview gives examples, not a full coverage grant. [2] [5]

Who Places the Policy

Pie expressly describes its role as connecting small businesses with carrier partners, while Foxquilt’s product page identifies CGL as a core product but does not identify the issuing insurer in this record. That difference matters when you need to know who will issue the declarations and handle policy changes. Get the carrier name and the exact quote terms from either route before comparing them. [2] [5]

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

  • Ask Pie which partner would issue the policy and whether the proposed form includes products-completed-operations protection for your products. [2] [5]

  • Ask Foxquilt for the carrier, class eligibility decision, and CGL form that applies to your trade. [2] [5]

Provider coverage details

Foxquilt

  • role: Foxquilt identifies Commercial General Liability as one of its core business products. Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents.company-reportedSource ↗
  • coverage: The page describes third-party bodily injury, property damage, personal and advertising injury, and products-completed-operations claim examples. Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents.company-reportedSource ↗
  • eligibility: The page names contractors, eCommerce and personal services among target classes and says it writes CGL for additional trades; a buyer’s eligibility still depends on its quote. Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents.company-reportedSource ↗
  • application: The cited Foxquilt product or program page provides a quote path for the described product or program; that route does not establish that a quote will be offered or bound. Foxquilt’s cited product or program page documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents.company-reportedSource ↗
  • limits: The cited public overview does not establish the limits, deductibles, exclusions or form terms that would apply to a specific buyer. Ask for the quote and specimen or issued policy forms before treating a listed feature as covered.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
    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

  2. 02
    Commercial General Liability

    Foxquilt · “What does CGL cover?”; “Foxquilt’s CGL is built for…”; digital quote/buy and certificates; “Built for North American small business”; limits FAQ; CGL exclusions FAQ. Directly reopened 2026-09-29, lines 53–64, 67–104, 135–215, 244–319. · accessed 2026-09-29

  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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