What Are the Key Differences Between Hiscox and Pie Insurance General Liability Insurance?
Technology Add-On and Coverage Categories
Hiscox adds electronic-data liability for IT and technology professions; Pie lists bodily injury, property damage, reputation harm, product liability, and advertising injury and says its carrier partners provide the coverage. [3] [8] Choose Hiscox if you are an IT or technology business that needs electronic-data protection; choose Pie if you want to compare its five stated coverage categories.
What the Coverage Adds Beyond the Basics
Both companies build on a base of bodily injury, property damage and advertising injury, but each names a different extra. Hiscox's product page adds electronic data liability specifically for IT and technology professions on top of its general liability form. [3] Pie instead names reputation harm, covering slander and libel claims, as one of the five categories on its coverage list alongside bodily injury, property damage, product liability and advertising injury. [8]
Getting a Policy in Place
Hiscox describes a self-serve online path: eligible buyers in 49 states and D.C. can apply, pay monthly or annually with no added fees, and receive the policy and certificate by email once the application is complete. [3] Pie's reviewed page instead directs prospective buyers to contact the company to start a quote, without describing a comparable self-serve application or binding flow. [8]
What Should You Confirm in Hiscox and Pie Insurance General Liability Insurance Quotes?
- Ask Pie which carrier partner would underwrite your policy, since its page names no specific insurer. [8]
- Confirm whether Hiscox's electronic data liability addition applies to your business type or is limited to IT and technology professions. [3]
- Ask whether Pie's reputation-harm coverage is part of the base policy or a separate endorsement. [8]
- Get published limit amounts from both companies in writing, since neither page discloses a standard general liability limit. [3] [8]