At-Bay vs Pie Insurance: How Do They Compare for Business Insurance?

Employers prioritizing workers’ compensation can consider Pie, which also places selected cyber products through partners; software companies can assess At-Bay’s technology E&O and cyber.

An Overview of At-Bay and Pie Insurance

A startup adding employees while promising security controls to a customer should identify the insurer and billing route for each line: Pie separates workers’ compensation from partner cyber, while At-Bay combines specialist cyber and Tech E&O with policy-linked services. ¹⁶ ²¹ ¹ ⁷ Choose Pie if workers’ compensation and payroll-based payment are central; choose At-Bay if the software contract needs Tech E&O and cyber.

What Stands Out About At-Bay and Pie Insurance?

At-Bay at a Glance

Combine technology E&O and cyber protection in one policy. ²Company-reportedProduct highlights, not an issued policy or universal contract coverage.
Eligible policyholders get monitoring, training and cyber-advisor access; managed detection and response costs extra. ⁷Company-reportedCurrent service descriptions and footnotes; no claims of effectiveness or independent testing.

Pie Insurance at a Glance

Start a workers’ compensation quote online or through an insurance agent. ^15,^14,¹⁶Company-reportedWorkers’ compensation access for small businesses and agencies; other product pages direct buyers to quote or contact flows but do not document the same process.
Pay workers’ compensation premiums based on reported payroll, with no initial deposit. ^30,³¹Company-reportedPie’s current workers’ compensation payment pages; actual availability and policy-specific charges need confirmation in the quote.

At-Bay vs Pie Insurance Coverage Lines Compared

Coverage	At-Bay	Pie Insurance
Business owner’s policy	Not listed	Listed ²⁰Pie accepts business owner’s policy quote requests.
Cyber liability	Listed ³At-Bay offers primary and excess cyber insurance for businesses with revenue up to $5 billion.	Listed ²¹Pie provides access to cyber insurance quotes from carrier partners.
General liability	Not listed	Listed ²³Pie arranges general liability insurance through unaffiliated third-party insurers.
Professional errors and omissions (E&O)	Listed ⁴At-Bay offers primary miscellaneous professional liability insurance.	Listed ²²Pie Insurance arranges professional errors and omissions insurance for small businesses through third-party insurers.
Technology errors and omissions (E&O)	Listed ²At-Bay offers primary and excess technology errors and omissions insurance for businesses with revenue up to $5 billion.	Not listed
Workers’ compensation	Not listed	Listed ¹⁶Pie Insurance offers workers’ compensation insurance for small businesses.

A listing may be arranged through an insurer or partner. “Not listed” means this catalogue has no separate offering recorded; ask the provider whether it can quote the coverage and request the policy terms.

At-Bay and Pie Insurance Coverage, Line by Line

Open what At-Bay and Pie Insurance each document for one coverage line.

Cyber Insurance
- At-Bay Cyber Insurance
- Pie Insurance Cyber Insurance
Professional Liability (E&O) Insurance
- At-Bay Professional Liability (E&O) Insurance
- Pie Insurance Professional Liability (E&O) Insurance

At-Bay and Pie Insurance Reliability Scores

Each score uses the rubric for that provider’s documented role. Providers with more than one role may have a score for each.

At-Bay Reliability Scores

Hybrid provider

Broker

5.2/ 10

Carrier & MGA

7.1/ 10

Provider assessment

Pie Insurance Reliability Scores

Hybrid provider

Broker

5.3/ 10

Carrier & MGA

6.3/ 10

Provider assessment

At-Bay and Pie Insurance Review Scores for 2026

These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.

At-Bay Review Score

9.5/ 10

Review Score

2 rated sources

At-Bay’s public review evidence is thin: one old G2 review and a BBB complaint record. It is not enough to judge day-to-day service or claims handling.

Read At-Bay reviews

Pie Insurance Review Score

1.7/ 10

Review Score

2 rated sources

Pie’s service record raises clear concerns: elevated regulator complaints reported by NerdWallet, 1.7/5 on Trustpilot and an F from BBB. Investigate billing, cancellation and complaint handling before buying.

Read Pie Insurance reviews

Key Differences Between At-Bay and Pie Insurance

The Workers’ Compensation Insurer May Not Issue Cyber

Pie identifies workers’ compensation carriers, while its reviewed partner-product materials leave the actual cyber issuer unresolved. Do not apply a Pie group insurer’s rating or authority to that separate offer. At-Bay’s quote also needs its own current issuer confirmation; its carrier transition announcement does not settle every present placement. ¹⁸ ²¹ ¹¹

Hiring Changes the Cost Questions

Pie describes payroll-linked payment options and a premium audit process. Those concern the workers’ compensation account and should not be treated as the billing structure for partner cyber insurance. At-Bay’s Stance charges and optional MDR purchases concern security services. Ask finance to track payroll adjustments, policy fees and security subscriptions as separate obligations. ³¹ ³² ⁷

State Statements Need Product-Level Confirmation

Pie’s reviewed sources give differing workers’ compensation state counts, and partner products have separate availability limits. A national total is not the answer to whether this California employer qualifies. At-Bay’s producer disclosure similarly does not establish product acceptance for the startup. ²⁴ ²⁹ ⁵

What Should You Confirm in At-Bay and Pie Insurance Quotes?

Request separate workers’ compensation and cyber proposals with issuing entities and California acceptance. For Pie, identify the current claims administrator and payroll audit requirements. For the technology comparison, request professional-liability wording as well as cyber terms, especially if customers are relying on the startup’s software. ³³ ²

At-Bay vs Pie Insurance Services Compared

What each provider documents about the services you may need

Criteria	At-Bay	Pie Insurance
Business role	At-Bay offers cyber, technology E&O and miscellaneous professional liability, with coverage described as underwritten by non-admitted insurers. At-Bay Insurance Services LLC is its disclosed property-and-casualty agency and surplus-lines broker. ^1,⁵Company-reportedUS brand and disclosed producer; company statements, not regulatory verification.	Small businesses can buy Pie’s workers’ compensation directly or through agents; affiliated insurers underwrite workers’ comp, while outside insurers provide some other Pie products. ^15,^18,^16,^20,^21,^22,²³Company-reportedCurrent public Pie brand and US small-business insurance services; this describes group roles, not a promise that every product is available to every applicant. If parent-company ownership matters, Pie Group Holdings, Inc. owns the website and is regulator-listed parent of Pie Casualty; AM Best identifies the insurer group as Pie Insurance Group. ^17,^37,³⁵VerifiedWebsite ownership and the parent shown for Pie Casualty Insurance Company; no claim about voting control or every intermediate subsidiary. Pie Insurance Services, Inc. is the producer that sells and administers policies; verify its current license in your state because Pie’s own license page is not regulator confirmation. ^18,³⁸Company-reportedProducer identity and Pie-published US license list; Wisconsin’s regulator separately identifies this entity in a 2024 administrative action.
Access to insurers	Do not assume a past carrier announcement identifies today’s insurer: At-Bay’s 2023 announcement said eligible new E&S Cyber and Tech E&O would use At-Bay Specialty Insurance Company, but it does not settle a current California quote or MPL issuer. ¹¹Company-reportedHistorical announcement effective August 7, 2023; no buyer-specific policy reviewed. Ask who will issue your MPL policy: the current product page names no insurer, and a 2023 announcement naming United Specialty Company does not establish the present carrier or California availability. ^4,¹³Not found in reviewed sourcesCurrent issuer not established; preserve source spelling without converting historical brand wording into a verified legal-entity record.	Pie workers’ compensation is written by The Pie Insurance Company and affiliates; AM Best says all business moved to The Pie Insurance Company and Pie Casualty Insurance Company as of January 1, 2024. ^18,^35,^36,³⁷VerifiedPie’s workers’ compensation program; the actual declarations page controls the issuing insurer for a specific policy and state. Pie Casualty has an A- (Excellent) financial-strength rating with Stable outlook from AM Best, affirmed April 24, 2026; this is an insurer-strength opinion, not a guarantee your claim will be covered. ³⁵VerifiedPie Casualty Insurance Company and the consolidated Pie Insurance Group rating unit as identified in the disclosure report. For Pie’s BOP, GL, professional liability or cyber, ask which insurer would issue the policy; Pie says outside partners underwrite these lines but its reviewed pages do not name current partners. ^18,^20,^21,^22,²³Not publicly disclosedCurrent public BOP, cyber, general-liability and professional-liability/E&O pages; account-specific carrier access was not tested.
Availability	California buyers should still confirm their product’s eligibility: At-Bay lists license 0L73812 for At-Bay Insurance Services LLC, but this company disclosure was not independently checked and does not establish a specific policy is available. ⁵Company-reportedCalifornia producer route; no regulator record retrieved. Get written California eligibility for your exact business and product before planning around a quote; reviewed product pages do not establish a current California issuer, and MPL has state restrictions. ^5,^2,^3,⁴Not found in reviewed sourcesReviewed official HTML product pages and license table on September 16, 2026; current linked appetite PDFs could not be retrieved.	Confirm all work locations and class codes before relying on Pie workers’ comp: sources conflict between availability in 40 states plus DC and 39 states plus DC. ^24,^25,^14,^26,³⁵Conflicting sourcesPublic workers’ compensation footprint as of 15 September 2026; the state-page selector, document library and other marketing surfaces were not internally consistent. Ask if Pie’s partner-issued BOP, cyber, GL or professional policy is available in your state; the reviewed pages give no product-state map and Pie’s terms limit availability. ^20,^21,^23,^22,¹⁷Not publicly disclosedPublic availability for Pie’s partner-carrier products; no quote or contact form was submitted.
Fees and compensation	Add security charges separately when comparing total cost: Stance has an Embedded Security Fee and endorsement, while MDR is purchased separately from premium and broker charges. ⁷Company-reportedDoes not describe included security as free or quote an unverified fee amount. Ask for the full price and compensation disclosure because reviewed At-Bay pages do not publish commission rates, broker arrangements or complete placement fees; this gap does not mean those charges are absent. ^2,^6,¹⁰Not publicly disclosedScoped review of listed public pages on September 16, 2026; not a site-wide or contractual finding.	Workers’ comp buyers can choose annual, semiannual, quarterly, monthly or pay-as-you-go plans; pay-as-you-go follows reported payroll without a deposit, while monthly plans require 16.6% upfront and ten payments. ^30,³¹Company-reportedPie’s current workers’ compensation payment pages; actual availability and policy-specific charges need confirmation in the quote. Include Pie’s 3% card fee in your quote comparison for eligible new single-state workers’ comp policies, except in Florida, Nebraska, Maryland and Rhode Island; the page does not specify multi-state or renewal fees. ³⁰Company-reportedCredit-card payments for new single-state workers’ compensation policies under the current payment-options page. Ask the state-specific price before requesting a waiver of subrogation because Pie charges for each specific or blanket waiver but publishes no amount. ²⁹Not publicly disclosedWorkers’ compensation waiver requests through Pie’s published service process. Ask your agent what commission applies because Pie says partner agents earn commissions on workers’ comp policies, but current pages publish no standard rate. ^34,¹⁸Not publicly disclosedAgency-distributed workers’ compensation and other third-party placements; expired promotional incentives were not treated as current standard compensation.

Sources

38 documents, numbered as cited. Open the sources

Sources for At-Bay vs Pie Insurance

At-Bay Official Website

1
Cyber, Tech E&O & Professional Liability Insurance. At-Bay; Product cards and agency disclosure. Accessed 2026-09-16.
2
Tech E&O Insurance Coverage and Policy Highlights. At-Bay; Tech E&O Coverage Highlights; Primary & Excess Appetite; footnotes 1–7; state disclaimer. Accessed 2026-09-16.
3
Cyber Insurance. At-Bay; Cyber Coverage Highlights; Primary & Excess Appetite. Accessed 2026-09-16.
4
MPL Insurance: Coverage Highlights & Appetite. At-Bay; MPL Coverage Highlights; MPL Appetite; state restrictions. Accessed 2026-09-16.
5
Licenses. At-Bay; Producer introduction; California row; agency and surplus-lines footer. Accessed 2026-09-16.
6
Broker Platform. At-Bay; How it works: Create a quote, Customize your quote, Bind your policy, Manage renewals; FAQs. Accessed 2026-09-16.
7
At-Bay Stance. At-Bay; Real Protection Against Real Threats; Endpoint, Email, MXDR; footnotes 1 and 3–6. Accessed 2026-09-16.
8
Claims Handling. At-Bay; At-Bay Cyber Incident Roadmap; The At-Bay Claims Team. Accessed 2026-09-16.
9
Response & Recovery. At-Bay; Minimize Downtime with One Partner; integration with claims process. Accessed 2026-09-16.
10
Terms of Service. At-Bay; US terms effective April 11, 2023: Insurance Product Terms; Payment Policy; Service. Accessed 2026-09-16.
11
At-Bay Begins Issuing Policies on its own E&S Paper. At-Bay; August 9, 2023 release: opening paragraph and new-business transition effective August 7, 2023. Accessed 2026-09-16.
12
At-Bay Surplus Tech E&O Appetite Guide. At-Bay; Pages 1–2; September 2023 copyright; revenue and limit statements; Restricted classes. Accessed 2026-09-16.
13
At-Bay Doubles Miscellaneous Professional Liability Appetite. At-Bay; September 28, 2023 release: final paragraph before Media Contacts. Accessed 2026-09-16.

Pie Insurance Official Website

14
Pie Insurance. Pie Insurance; Homepage: small-business audience; direct workers’ compensation quote; online account; footer entity, insurer and availability qualifications. Accessed 2026-09-15.
15
About Pie Insurance. Pie Insurance; About Pie; direct and agency distribution; footer legal disclosure. Accessed 2026-09-15.
16
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.
17
Terms Of Use. Pie Insurance; Updated 26 April 2022; Ownership and Agreement to Terms; geographic and product eligibility; policy controls coverage. Accessed 2026-09-15.
18
Legal. Pie Insurance; State Licenses; footer disclosure naming producer and workers’ compensation versus third-party underwriting roles. Accessed 2026-09-15.
19
Pie Insurance — Quote. Pie Insurance; First step: Business ZIP Code. Accessed 2026-09-15.
20
Business Owner’s Policy. Pie Insurance; BOP definition; typical components; Make sure you’re covered: Start your BOP quote; footer third-party insurer qualification. Accessed 2026-09-16.
21
Cyber Insurance For Small Businesses. Pie Insurance; First- and third-party descriptions; carrier-partner quote invitation; policy-variation qualification. Accessed 2026-09-16.
22
Errors And Omissions Insurance. Pie Insurance; Errors and Omissions Insurance hero (E&O and professional liability equivalence); typical claims; Make sure you’re covered: insurance carrier partners, Start now; footer third-party professional liability insurers. Accessed 2026-09-16.
23
General Liability Insurance. Pie Insurance; Typical covered categories; Make sure you are covered: carrier-partner quote invitation; legal footer: third-party insurers not affiliated with Pie. Accessed 2026-09-16.
24
Workers’ Comp Coverage By State. Pie Insurance; Headline says 40 states and the District of Columbia; rendered state selector listed 39 state names and omitted New York and D.C. Accessed 2026-09-15.
25
Agency Document Library. Pie Insurance; Workers’ Comp State Documents: 40 named states plus Washington, D.C. Accessed 2026-09-15.
26
Pie Insurance Reports Strong 2025. Pie Insurance; 13 January 2026 release; Key 2025 Milestones says 39 states plus Washington, D.C.; company and distribution description. Accessed 2026-09-15.
27
Commercial Auto Claim FAQs. Pie Insurance; Does Pie offer commercial auto insurance?; submission cutoff 1 December 2025; no new or renewal policies on or after 1 January 2026; legacy claim guidance. Accessed 2026-09-15.
28
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.
29
Workers’ Comp FAQs. Pie Insurance; Certificates; specific and blanket waiver requests, two-business-day response and state-dependent charge; Billing & Payments; Policy Renewal / When will I know it’s time to renew my policy? (approximately 30 days before expiry, quote for review and acceptance); Annual Audit; Claims. Accessed 2026-09-29.
30
Payment Options. Pie Insurance; Annual, semi-annual, quarterly, monthly and pay-as-you-go schedules; payment methods; 3% card fee and state exceptions. Accessed 2026-09-15.
31
Pay-As-You-Go With Pie Insurance. Pie Insurance; No initial deposit; actual-payroll monthly premium; automatic deductions; payroll-provider coordination. Accessed 2026-09-15.
32
Your Workers’ Comp Premium Audit. Pie Insurance; Required annual audit; estimated versus actual payroll; audit partner; requested payroll, employee, cash-expense and subcontractor certificate records. Accessed 2026-09-15.
33
File Your Claim Within 24 Hours. Pie Insurance; Workers’ compensation reporting by online form, 24/7 phone or email; information requested; post-report coverage determination. Accessed 2026-09-15.
34
Partner FAQ. Pie Insurance; How does Pie handle claims? (workers’ compensation in 34 states; CorVel in Alaska, Mississippi, Nevada, New Mexico and Oregon); How does Pie pay commissions? (new and renewing policies, earned premium); How does Pie handle renewals? (30-day preview: under $20,000 to insured with agency copied, over $20,000 to producer; unless otherwise notified, deposit draft and renewal issuance five days before effective date; exact $20,000 case unstated); Renewal Billing. Accessed 2026-09-29.
35
AM Best Rating Disclosure Report — Pie Casualty Insurance Company. AM Best Rating Services, Inc.; Page 1: A- (Excellent), Stable, affirmed 24 April 2026; page 14: rating unit, group insurer acquisitions, 100% workers’ compensation writing through PCIC and TPIC from 1 January 2024, 40 states and D.C. Accessed 2026-09-15.
36
The Pie Insurance Company — Company Details. Missouri Department of Commerce and Insurance; Company name; active license status; NAIC 21857; property-and-casualty authority; 2025 workers’ compensation market data. Accessed 2026-09-15.
37
Pie Casualty Insurance Company — Entity Details. Illinois Department of Insurance; Legal name; P&C Domestic Stock; active status; NAIC 10997; Pie Group Holdings, Inc. parent. Accessed 2026-09-15.
38
Administrative Actions — January 2024. Wisconsin Office of the Commissioner of Insurance; Allegations and Actions Against Companies: Pie Insurance Services, Inc. agreed to add a disclaimer to its “save up to 30%” advertising claim after misleading-advertising allegations. Accessed 2026-09-15.

Comparisons Related to At-Bay vs Pie Insurance

AIG vs At-Bay
At-Bay publishes cyber, technology E&O and professional-liability routes with security services; AIG lists broader commercial products and broker tools.
AIG vs Pie Insurance
Compare AIG’s broader commercial insurer group with Pie’s direct and agency workers’ compensation route.
Alliance Risk vs At-Bay
At-Bay's technology E&O discusses service-credit claims and separate Stance security services; Alliance Risk reviews technology contracts and existing coverage.

All Comparisons