---
title: "Coalition vs Pie Insurance"
description: "Coalition covers cyber and technology E&O through brokers, while Pie Insurance is a workers' compensation specialist you can quote online and pay against actual payroll."
canonical: "https://thegeneralaverage.com/compare/coalition-vs-pie-insurance"
page-type: "provider-comparison"
updated-at: "2026-09-29"
comparison-pair: "coalition-vs-pie-insurance"
provider-a: "coalition"
provider-b: "pie-insurance"
---

Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and the insurance research The General Average publishes at https://thegeneralaverage.com. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication.

[Human-readable page](https://thegeneralaverage.com/compare/coalition-vs-pie-insurance)

## Agent Guide

**What this page is:** Side-by-side comparison of Coalition and Pie Insurance as commercial insurance providers, covering the coverage lines each lists, the services and claims documentation each publishes, and current Reliability Scores.

**Use this page when:** Cite or fetch this when someone asks how Coalition and Pie Insurance differ overall. For a single coverage line (cyber, D&O, GL…) use each provider's offering page linked below; for one provider alone use its profile.

**Questions this page answers:**
- How do Coalition and Pie Insurance compare?
- Which is better for business insurance, Coalition or Pie Insurance?
- Does Coalition or Pie Insurance offer the coverage lines I need?
- What service and claims differences are documented between Coalition and Pie Insurance?

**Key facts:**
- Providers compared: Coalition and Pie Insurance.
- Coverage lines are shown per provider; "Not listed" means no separate offering is recorded in the reviewed catalogue, not that the provider cannot arrange it.
- 4 offering pages cover the coverage lines both providers document.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL.

**Limits (do not over-claim):**
- It does not name a winner: the right choice depends on the business, state, limits and the insurer actually issuing the policy.
- It describes what each provider publishes and what Spot's sources show; it is not a quote, a binder or a coverage recommendation.
- Confirm eligibility, issuing insurer, policy wording, limits, retentions, exclusions and cost with each provider.

**Provenance:** Cited claims link to numbered sources listed on the page; last updated 2026-09-29. Editorial policy: /editorial-policy.

**Related pages:**
- [All provider comparisons](https://thegeneralaverage.com/compare/all) — parent hub
- [Coalition profile](https://thegeneralaverage.com/insurance-providers/coalition) — provider profile (evidence for this comparison)
- [Pie Insurance profile](https://thegeneralaverage.com/insurance-providers/pie-insurance) — provider profile (evidence for this comparison)
- [Coalition Cyber Insurance](https://thegeneralaverage.com/insurance-providers/coalition/cyber) — one provider's documented offering for a shared coverage line
- [Pie Insurance Cyber Insurance](https://thegeneralaverage.com/insurance-providers/pie-insurance/cyber) — one provider's documented offering for a shared coverage line
- [Coalition Professional Liability (E&O) Insurance](https://thegeneralaverage.com/insurance-providers/coalition/professional-errors-omissions) — one provider's documented offering for a shared coverage line
- [Pie Insurance Professional Liability (E&O) Insurance](https://thegeneralaverage.com/insurance-providers/pie-insurance/professional-errors-omissions) — one provider's documented offering for a shared coverage line
- [AIG vs Coalition](https://thegeneralaverage.com/compare/aig-vs-coalition) — sibling comparison
- [AIG vs Pie Insurance](https://thegeneralaverage.com/compare/aig-vs-pie-insurance) — sibling comparison
- [Alliance Risk vs Coalition](https://thegeneralaverage.com/compare/alliance-risk-vs-coalition) — sibling comparison
- [Alliance Risk vs Pie Insurance](https://thegeneralaverage.com/compare/alliance-risk-vs-pie-insurance) — sibling comparison
- [Amelia Risk vs Coalition](https://thegeneralaverage.com/compare/amelia-risk-vs-coalition) — sibling comparison
- [Amelia Risk vs Pie Insurance](https://thegeneralaverage.com/compare/amelia-risk-vs-pie-insurance) — sibling comparison
- [Aon vs Coalition](https://thegeneralaverage.com/compare/aon-vs-coalition) — sibling comparison
- [Aon vs Pie Insurance](https://thegeneralaverage.com/compare/aon-vs-pie-insurance) — sibling comparison
- [Armilla vs Coalition](https://thegeneralaverage.com/compare/armilla-vs-coalition) — sibling comparison
- [Armilla vs Pie Insurance](https://thegeneralaverage.com/compare/armilla-vs-pie-insurance) — sibling comparison
- [At-Bay vs Coalition](https://thegeneralaverage.com/compare/at-bay-vs-coalition) — sibling comparison
- [At-Bay vs Pie Insurance](https://thegeneralaverage.com/compare/at-bay-vs-pie-insurance) — sibling comparison
- [The Baldwin Group vs Coalition](https://thegeneralaverage.com/compare/baldwin-vs-coalition) — sibling comparison
- [The Baldwin Group vs Pie Insurance](https://thegeneralaverage.com/compare/baldwin-vs-pie-insurance) — sibling comparison
- [Beazley vs Coalition](https://thegeneralaverage.com/compare/beazley-vs-coalition) — sibling comparison
- [Beazley vs Pie Insurance](https://thegeneralaverage.com/compare/beazley-vs-pie-insurance) — sibling comparison
- [Berkshire Hathaway Specialty Insurance vs Coalition](https://thegeneralaverage.com/compare/berkshire-hathaway-specialty-insurance-vs-coalition) — sibling comparison
- [Berkshire Hathaway Specialty Insurance vs Pie Insurance](https://thegeneralaverage.com/compare/berkshire-hathaway-specialty-insurance-vs-pie-insurance) — sibling comparison
- [biBerk vs Coalition](https://thegeneralaverage.com/compare/biberk-vs-coalition) — sibling comparison
- [biBerk vs Pie Insurance](https://thegeneralaverage.com/compare/biberk-vs-pie-insurance) — sibling comparison
- [CFC vs Coalition](https://thegeneralaverage.com/compare/cfc-vs-coalition) — sibling comparison
- [CFC vs Pie Insurance](https://thegeneralaverage.com/compare/cfc-vs-pie-insurance) — sibling comparison
- [Chubb vs Coalition](https://thegeneralaverage.com/compare/chubb-vs-coalition) — sibling comparison
- [Chubb vs Pie Insurance](https://thegeneralaverage.com/compare/chubb-vs-pie-insurance) — sibling comparison
- [CNA vs Coalition](https://thegeneralaverage.com/compare/cna-vs-coalition) — sibling comparison
- [CNA vs Pie Insurance](https://thegeneralaverage.com/compare/cna-vs-pie-insurance) — sibling comparison
- [Coalition vs Corgi](https://thegeneralaverage.com/compare/coalition-vs-corgi) — sibling comparison
- [Coalition vs Coterie Insurance](https://thegeneralaverage.com/compare/coalition-vs-coterie) — sibling comparison
- [Coalition vs Counterpart](https://thegeneralaverage.com/compare/coalition-vs-counterpart) — sibling comparison
- [Coalition vs Coverdash](https://thegeneralaverage.com/compare/coalition-vs-coverdash) — sibling comparison
- [Coalition vs Cowbell](https://thegeneralaverage.com/compare/coalition-vs-cowbell) — sibling comparison
- [Coalition vs Embroker](https://thegeneralaverage.com/compare/coalition-vs-embroker) — sibling comparison
- [Coalition vs Founder Shield](https://thegeneralaverage.com/compare/coalition-vs-foundershield) — sibling comparison
- [Corgi vs Pie Insurance](https://thegeneralaverage.com/compare/corgi-vs-pie-insurance) — sibling comparison
- [Coterie Insurance vs Pie Insurance](https://thegeneralaverage.com/compare/coterie-vs-pie-insurance) — sibling comparison
- [Counterpart vs Pie Insurance](https://thegeneralaverage.com/compare/counterpart-vs-pie-insurance) — sibling comparison
- [Coverdash vs Pie Insurance](https://thegeneralaverage.com/compare/coverdash-vs-pie-insurance) — sibling comparison
- [Cowbell vs Pie Insurance](https://thegeneralaverage.com/compare/cowbell-vs-pie-insurance) — sibling comparison
- [Embroker vs Pie Insurance](https://thegeneralaverage.com/compare/embroker-vs-pie-insurance) — sibling comparison

# Coalition vs Pie Insurance: How Do They Compare for Business Insurance?

Coalition covers cyber and technology E&O through brokers, while Pie Insurance is a workers' compensation specialist you can quote online and pay against actual payroll.

## Before You Quote

Ask each provider about eligibility, the issuing insurer, policy wording, limits, retentions, exclusions and costs for your business.

## Coalition vs Pie Insurance in Brief

Pie is the workers' compensation specialist, with an online quote in about three minutes and pay-as-you-go billing against actual payroll; Coalition is the cyber and technology E&O specialist, sold through brokers with security monitoring included. [1](https://www.coalitioninc.com/technology-errors-and-omissions-insurance "Tech E&O Insurance Coverage") [8](https://www.coalitioninc.com/control "Coalition Control") [21](https://www.pieinsurance.com/workers-comp "Workers’ Comp Insurance For Small Businesses") [36](https://www.pieinsurance.com/pay-as-you-go "Pay-As-You-Go With Pie Insurance")

## Coalition and Pie Insurance Reliability Scores

These sourced assessments are shown for context; this comparison does not select a winner.

### Coalition Reliability Scores

Role: Hybrid role.

Broker Reliability Score: **6.1/10** (partial score; 75% of this role's weighting included). Assessed 2026-09-23; review due 2026-10-23. Excluded factors: Regulatory Conduct (A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable.).

Carrier & MGA Reliability Score: **6.3/10** (partial score; 80% of this role's weighting included). Assessed 2026-09-23; review due 2026-10-23. Excluded factors: Regulatory Conduct (A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable.).

Read the [full reliability assessment](https://thegeneralaverage.com/insurance-providers/coalition/reliability).

### Pie Insurance Reliability Scores

Role: Hybrid role.

Broker Reliability Score: **5.3/10** (partial score; 45% of this role's weighting included). Assessed 2026-09-23; review due 2026-10-23. Excluded factors: Carrier-Network Strength (The reviewed evidence does not name the carrier and capacity arrangements behind the assessed programs, so the relationships cannot be assessed.); Regulatory Conduct (A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable.).

Carrier & MGA Reliability Score: **6.3/10** (partial score; 25% of this role's weighting included). Assessed 2026-09-23; review due 2026-10-23. Excluded factors: Financial Resilience (AM Best rates Pie Casualty Insurance Company A- (Excellent) with a stable outlook, but no reviewed source maps that insurer to a Pie product, and the Missouri figures for The Pie Insurance Company cover one state and one line. The issuing entity’s own resources for the assessed scope are not established.); Claims and Servicing (The evidence does not sufficiently establish responsibility, access and escalation across the assessed services.); Carrier-Network Strength (The reviewed evidence does not name the carrier and capacity arrangements behind the assessed programs, so the relationships cannot be assessed.); Regulatory Conduct (A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable.).

Read the [full reliability assessment](https://thegeneralaverage.com/insurance-providers/pie-insurance/reliability).

## Coalition Review Scores for 2026

Review Score: 10.0 / 10 from 1 rated source, equally weighted.

Coalition has a BBB A+ grade. The reviewed independent sources did not establish a customer-star rating; the displayed RaveCapture collection is broker-focused. Its Trustpilot page has no reviews, and its best-looking rating comes from a review page the company arranges for brokers.

- BBB: BBB business grade A+. Coalition (BBB profile, San Francisco, CA); business grade, separate from customer-review stars. Checked 2026-09-29. [Coalition - BBB profile (San Francisco)](https://www.bbb.org/us/ca/san-francisco/profile/cyber-security/coalition-1116-956032); [Search: "Coalition" site:bbb.org insurance reviews ratings](https://www.google.com/search?q=%22Coalition%22+site%3Abbb.org+reviews+OR+complaints)
- RaveCapture: Broker review rating 5 (out of 5); 188 reviews. Verified broker and policyholder reviews of Coalition, collected through a third-party review-collection service. Checked 2026-09-29. [Coalition, Inc.: Broker Reviews](https://app.ravecapture.com/store/Coalition-inc-broker-reviews)
- BizInsuranceCompare: Editorial score 7.7 (out of 10). Independent small-business insurance comparison site editorial score; publisher-defined methodology. Checked 2026-09-29. [Coalition review: small business insurance](https://www.bizinsurancecompare.com/carriers/coalition)

Reviewed 2026-09-29. [Read the sourced review](https://thegeneralaverage.com/insurance-providers/coalition/reviews).

## Pie Insurance Review Scores for 2026

Review Score: 1.7 / 10 from 2 rated sources, equally weighted.

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.

- Trustpilot: TrustScore 1.7 (5 stars); 666 reviews. Brand-level Trustpilot consumer reviews; policy product is generally identified as workers’ compensation, but reviewer policy/entity scope varies. Checked 2026-09-25. [Pie Insurance Reviews - Trustpilot](https://www.trustpilot.com/review/www.pieinsurance.com)
- BBB: BBB Rating F (BBB letter grade). BBB profile for commercial insurance services; BBB grade and complaint-response record, not policy performance measure. Period: BBB profile reports 15 complaints filed, 13 unanswered; complaint data, not reviews. Checked 2026-09-25. [Pie Insurance Services | BBB Business Profile](https://www.bbb.org/us/dc/washington/profile/commercial-insurance-services/pie-insurance-services-0241-236060990)

Reviewed 2026-09-25. [Read the sourced review](https://thegeneralaverage.com/insurance-providers/pie-insurance/reviews).

## An Overview of Coalition and Pie Insurance

These two rarely compete head-on. A company hiring its first employees needs workers' compensation, and a software company signing enterprise contracts needs cyber and Tech E&O; Pie's core product is the first, Coalition's is the second. Pie does sell cyber, but through unnamed partner insurers, so it's a convenience add-on rather than its specialty. [21](https://www.pieinsurance.com/workers-comp "Workers’ Comp Insurance For Small Businesses") [26](https://www.pieinsurance.com/small-business-insurance/cyber-insurance "Cyber Insurance For Small Businesses") [1](https://www.coalitioninc.com/technology-errors-and-omissions-insurance "Tech E&O Insurance Coverage") Choose Pie if you need workers' comp for a small team and want premiums to track payroll; choose Coalition if you sell technology and need cyber plus Tech E&O under one policy.

## What Stands Out About Coalition and Pie Insurance?

### Coalition at a Glance

- Technology companies can combine cyber and Tech E&O in one program. [1](https://www.coalitioninc.com/technology-errors-and-omissions-insurance "Tech E&O Insurance Coverage") (Evidence: Company-reported; scope: United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.; verified: 2026-09-16.)
- Policyholders get cyber monitoring, alerts and remediation guidance through Control. [8](https://www.coalitioninc.com/control "Coalition Control") (Evidence: Company-reported; scope: United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.; verified: 2026-09-16.)

### Pie Insurance at a Glance

- Start a workers’ compensation quote online or through an insurance agent. [20](https://www.pieinsurance.com/about "About Pie Insurance") [19](https://www.pieinsurance.com/ "Pie Insurance") [21](https://www.pieinsurance.com/workers-comp "Workers’ Comp Insurance For Small Businesses") (Evidence: Company-reported; scope: Workers’ compensation access for small businesses and agencies; other product pages direct buyers to quote or contact flows but do not document the same process.; verified: 2026-09-15.)
- Pay workers’ compensation premiums based on reported payroll, with no initial deposit. [35](https://www.pieinsurance.com/payment-options "Payment Options") [36](https://www.pieinsurance.com/pay-as-you-go "Pay-As-You-Go With Pie Insurance") (Evidence: Company-reported; scope: Pie’s current workers’ compensation payment pages; actual availability and policy-specific charges need confirmation in the quote.; verified: 2026-09-15.)

## Coalition vs Pie Insurance Coverage Lines Compared

| Coverage Type | Coalition | Pie Insurance |
| --- | --- | --- |
| [Business owner’s policy](https://thegeneralaverage.com/coverage/business-owners-policy) | Not listed | Listed: Pie accepts business owner’s policy quote requests. [25](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner’s Policy") |
| [Crime](https://thegeneralaverage.com/coverage/crime) | Listed: Coalition offers crime insurance through its executive-risks product for private and nonprofit US organizations. [5](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") | Not listed |
| [Cyber liability](https://thegeneralaverage.com/coverage/cyber) | Listed: Coalition offers cyber insurance. [7](https://www.coalitioninc.com/cyber-insurance "Active Cyber Insurance") | Listed: Pie provides access to cyber insurance quotes from carrier partners. [26](https://www.pieinsurance.com/small-business-insurance/cyber-insurance "Cyber Insurance For Small Businesses") |
| [Directors and officers](https://thegeneralaverage.com/coverage/directors-officers) | Listed: Coalition offers directors and officers liability through its executive-risks product for private and nonprofit US organizations. [5](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") | Not listed |
| [Employment practices liability](https://thegeneralaverage.com/coverage/employment-practices) | Listed: Coalition offers employment practices liability through its executive-risks product for private and nonprofit US organizations. [5](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") | Not listed |
| [Fiduciary liability](https://thegeneralaverage.com/coverage/fiduciary) | Listed: Coalition offers fiduciary liability through its executive-risks product for private and nonprofit US organizations. [5](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") | Not listed |
| [General liability](https://thegeneralaverage.com/coverage/general-liability) | Not listed | Listed: Pie arranges general liability insurance through unaffiliated third-party insurers. [28](https://www.pieinsurance.com/small-business-insurance/general-liability "General Liability Insurance") |
| [Media liability](https://thegeneralaverage.com/coverage/media) | Listed: Coalition identifies media liability within its Active Cyber policy. [18](https://www.coalitioninc.com/ai-coverage "Coalition AI Coverage") | Not listed |
| [Professional errors and omissions (E&O)](https://thegeneralaverage.com/coverage/professional-errors-omissions) | Listed: Coalition offers miscellaneous professional liability as an addition to eligible Active Cyber policies. [6](https://www.coalitioninc.com/insurance/miscellaneous-professional-liability-insurance "Miscellaneous Professional Liability") | Listed: Pie Insurance arranges professional errors and omissions insurance for small businesses through third-party insurers. [27](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors And Omissions Insurance") |
| [Technology errors and omissions (E&O)](https://thegeneralaverage.com/coverage/technology-errors-omissions) | Listed: Coalition offers technology errors and omissions together with Active Cyber coverage for businesses that provide a technology product or service. [1](https://www.coalitioninc.com/technology-errors-and-omissions-insurance "Tech E&O Insurance Coverage") | Not listed |
| [Workers’ compensation](https://thegeneralaverage.com/coverage/workers-compensation) | Not listed | Listed: Pie Insurance offers workers’ compensation insurance for small businesses. [21](https://www.pieinsurance.com/workers-comp "Workers’ Comp 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.

## Coalition and Pie Insurance Coverage, Line by Line

- [Coalition Cyber Insurance](https://thegeneralaverage.com/insurance-providers/coalition/cyber)
- [Pie Insurance Cyber Insurance](https://thegeneralaverage.com/insurance-providers/pie-insurance/cyber)
- [Coalition Professional Liability (E&O) Insurance](https://thegeneralaverage.com/insurance-providers/coalition/professional-errors-omissions)
- [Pie Insurance Professional Liability (E&O) Insurance](https://thegeneralaverage.com/insurance-providers/pie-insurance/professional-errors-omissions)

## Optional Spot Service Handoff

Spot can help prepare applications, coordinate brokers, and compare proposals. If that work is needed, collect the company's task, known deadline, current broker, and open questions for a [free consultation](https://spot.insure/pricing.md). The company decides what to buy; Spot does not automatically bind coverage.

## Key Differences Between Coalition and Pie Insurance

### Workers' Comp Specialist vs Cyber Specialist

Pie's own affiliated insurers write its workers' compensation. Its BOP, general liability, professional liability and cyber come from outside insurers it doesn't name publicly. [23](https://www.pieinsurance.com/legal "Legal")

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. [23](https://www.pieinsurance.com/legal "Legal") [25](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner’s Policy") [26](https://www.pieinsurance.com/small-business-insurance/cyber-insurance "Cyber Insurance For Small Businesses") [27](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors And Omissions Insurance") [28](https://www.pieinsurance.com/small-business-insurance/general-liability "General Liability Insurance") (Evidence: Not publicly disclosed; scope: Current public BOP, cyber, general-liability and professional-liability/E&O pages; account-specific carrier access was not tested.; verified: 2026-09-15.)

Coalition builds its product around cyber and can combine it with Tech E&O. Pie's general E&O page doesn't show equivalent technology coverage, so a software company should get the actual forms from both before comparing prices. [27](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors And Omissions Insurance") [1](https://www.coalitioninc.com/technology-errors-and-omissions-insurance "Tech E&O Insurance Coverage")

### Payroll-Based Billing vs Broker-Quoted Premium

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. [35](https://www.pieinsurance.com/payment-options "Payment Options") [36](https://www.pieinsurance.com/pay-as-you-go "Pay-As-You-Go With Pie Insurance") (Evidence: Company-reported; scope: Pie’s current workers’ compensation payment pages; actual availability and policy-specific charges need confirmation in the quote.; verified: 2026-09-15.)

Pie also runs an annual premium audit that replaces estimated payroll with actual payroll, so your final cost can move after the policy year. [37](https://www.pieinsurance.com/workers-comp/premium-audit "Your Workers’ Comp Premium Audit") Coalition doesn't publish premiums or payment plans; you get a price through your broker, and its compensation page says producers are paid commission on premium. [4](https://www.coalitioninc.com/legal/producer-compensation "U.S. Producer Compensation")

### Injury Claims vs Breach Response

Pie asks you to report a workplace injury within 24 hours by online form, 24/7 phone line or email. Its partner FAQ says CorVel, not Pie, handles claims in five states. [38](https://www.pieinsurance.com/claims "File Your Claim Within 24 Hours") [39](https://www.pieinsurance.com/agency/faq "Partner FAQ") Coalition runs in-house cyber claims triage and tries to recover stolen funds. [9](https://www.coalitioninc.com/claims-experience "Cyber Insurance Claims Experience") If you hold both, keep the two reporting contacts separate.

## What Should You Confirm in Coalition and Pie Insurance Quotes?

- From Pie: that every state where you have payroll is covered, since its own pages disagree on 39 or 40 states plus D.C., and your class codes. [29](https://www.pieinsurance.com/agency/states-we-serve "Workers’ Comp Coverage By State")
- From Pie: which records the premium audit will need, and who handles claims in your state.
- From Pie, if you buy its cyber: the name of the partner insurer and the policy form. [26](https://www.pieinsurance.com/small-business-insurance/cyber-insurance "Cyber Insurance For Small Businesses")
- From Coalition: which insurer issues your cyber and Tech E&O policy in your state. [11](https://help.coalitioninc.com/hc/en-us/articles/7665550624283-Are-there-any-differences-between-Coalition-s-admitted-and-surplus-lines-products "Are there any differences between Coalition’s admitted and surplus lines products?")
- Commercial auto: Pie stopped issuing new and renewal commercial auto policies in 2026, so don't rely on older material that lists it. [32](https://www.pieinsurance.com/claims/comm-auto-faq "Commercial Auto Claim FAQs")

## Coalition vs Pie Insurance Services Compared

What each provider documents about the services you may need.

| Criteria | Coalition | Pie Insurance |
| --- | --- | --- |
| Access to insurers | Ask who will issue your policy because admitted cyber uses Coalition Insurance Company while surplus placements use unaffiliated insurers; reviewed sources do not identify one insurer for every California Tech E&O quote. [3](https://www.coalitioninc.com/legal/disclaimer "U.S. Disclaimers") [2](https://www.coalitioninc.com/legal/licenses "Licenses and Carriers") (Evidence: Company-reported; scope: United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.; verified: 2026-09-16.) | 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. [23](https://www.pieinsurance.com/legal "Legal") [40](https://ratings.ambest.com/DisclosurePDF.aspx?AMBNum=12272&PCA=0 "AM Best Rating Disclosure Report — Pie Casualty Insurance Company") [41](https://insurance.mo.gov/find-insurance-company/company-details?id=104347111 "The Pie Insurance Company — Company Details") [42](https://insurance.illinois.gov/applications/RegEntPortal/ViewEntityDetails.aspx?en=982281&s=Active&t=INS "Pie Casualty Insurance Company — Entity Details") (Evidence: Verified; scope: Pie’s workers’ compensation program; the actual declarations page controls the issuing insurer for a specific policy and state.; verified: 2026-09-15.)<br><br>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. [40](https://ratings.ambest.com/DisclosurePDF.aspx?AMBNum=12272&PCA=0 "AM Best Rating Disclosure Report — Pie Casualty Insurance Company") (Evidence: Verified; scope: Pie Casualty Insurance Company and the consolidated Pie Insurance Group rating unit as identified in the disclosure report.; verified: 2026-09-15.)<br><br>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. [23](https://www.pieinsurance.com/legal "Legal") [25](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner’s Policy") [26](https://www.pieinsurance.com/small-business-insurance/cyber-insurance "Cyber Insurance For Small Businesses") [27](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors And Omissions Insurance") [28](https://www.pieinsurance.com/small-business-insurance/general-liability "General Liability Insurance") (Evidence: Not publicly disclosed; scope: Current public BOP, cyber, general-liability and professional-liability/E&O pages; account-specific carrier access was not tested.; verified: 2026-09-15.) |
| Application process | You need an appointed broker to buy Coalition coverage; Coalition can help you find access if your broker does not offer it, and says underwriting reviews industry, finances, operations and security. [13](https://help.coalitioninc.com/hc/en-us/articles/7608339418395-How-do-I-qualify-for-and-buy-cyber-insurance-from-Coalition "How do I qualify for and buy cyber insurance from Coalition?") (Evidence: Company-reported; scope: United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.; verified: 2026-09-16.)<br><br>To add Tech E&O to a cyber quote, prepare your product or service description and contract answers; some applications need review before a price is released. [12](https://help.coalitioninc.com/hc/en-us/articles/7665704343963-How-to-add-Tech-E-O-coverage-to-a-Coalition-quote "How to add Tech E&O coverage to a Coalition quote") (Evidence: Company-reported; scope: United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.; verified: 2026-09-16.) | Small businesses can start a workers’ compensation quote online or through an insurance agent; agencies use a separate partner portal. [20](https://www.pieinsurance.com/about "About Pie Insurance") [19](https://www.pieinsurance.com/ "Pie Insurance") [21](https://www.pieinsurance.com/workers-comp "Workers’ Comp Insurance For Small Businesses") (Evidence: Company-reported; scope: Workers’ compensation access for small businesses and agencies; other product pages direct buyers to quote or contact flows but do not document the same process.; verified: 2026-09-15.)<br><br>Have your ZIP, payroll and class-code details ready for a Pie workers’ compensation quote; its online intake begins with ZIP code. [24](https://quote.pieinsurance.com/ "Pie Insurance — Quote") [21](https://www.pieinsurance.com/workers-comp "Workers’ Comp Insurance For Small Businesses") (Evidence: Company-reported; scope: Unauthenticated first step and Pie’s description of workers’ compensation quote inputs; no data was entered and the flow was not advanced.; verified: 2026-09-15.)<br><br>Pie advertises a workers’ compensation quote in about three minutes, but this company estimate does not predict underwriting or binding time. [21](https://www.pieinsurance.com/workers-comp "Workers’ Comp Insurance For Small Businesses") [19](https://www.pieinsurance.com/ "Pie Insurance") (Evidence: Company-reported; scope: Workers’ compensation quote marketing; no timed independent quote test was performed.; verified: 2026-09-15.) |
| Fees and compensation | Your broker may receive a premium-based commission plus contingent commissions, placement incentives or cybersecurity-sales compensation, according to Coalition; ask how your placement is compensated. [4](https://www.coalitioninc.com/legal/producer-compensation "U.S. Producer Compensation") (Evidence: Company-reported; scope: United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.; verified: 2026-09-16.)<br><br>Coalition says it keeps part of earned premium for operations and broker commissions, and may receive additional insurer payments tied to annual portfolio loss ratios. [16](https://help.coalitioninc.com/hc/en-us/articles/7608439306907-How-does-Coalition-make-money "How does Coalition make money?") (Evidence: Company-reported; scope: United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.; verified: 2026-09-16.)<br><br>Get the full price and broker compensation in writing; reviewed disclosures do not state a startup quote’s commission rate, fee or premium. [4](https://www.coalitioninc.com/legal/producer-compensation "U.S. Producer Compensation") [16](https://help.coalitioninc.com/hc/en-us/articles/7608439306907-How-does-Coalition-make-money "How does Coalition make money?") (Evidence: Not publicly disclosed; scope: United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.; verified: 2026-09-16.) | 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. [35](https://www.pieinsurance.com/payment-options "Payment Options") [36](https://www.pieinsurance.com/pay-as-you-go "Pay-As-You-Go With Pie Insurance") (Evidence: Company-reported; scope: Pie’s current workers’ compensation payment pages; actual availability and policy-specific charges need confirmation in the quote.; verified: 2026-09-15.)<br><br>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. [35](https://www.pieinsurance.com/payment-options "Payment Options") (Evidence: Company-reported; scope: Credit-card payments for new single-state workers’ compensation policies under the current payment-options page.; verified: 2026-09-15.)<br><br>Ask the state-specific price before requesting a waiver of subrogation because Pie charges for each specific or blanket waiver but publishes no amount. [34](https://www.pieinsurance.com/workers-comp/resources/frequently-asked-questions "Workers’ Comp FAQs") (Evidence: Not publicly disclosed; scope: Workers’ compensation waiver requests through Pie’s published service process.; verified: 2026-09-15.)<br><br>Ask your agent what commission applies because Pie says partner agents earn commissions on workers’ comp policies, but current pages publish no standard rate. [39](https://www.pieinsurance.com/agency/faq "Partner FAQ") [23](https://www.pieinsurance.com/legal "Legal") (Evidence: Not publicly disclosed; scope: Agency-distributed workers’ compensation and other third-party placements; expired promotional incentives were not treated as current standard compensation.; verified: 2026-09-15.) |
| Claims assistance | Coalition describes in-house cyber triage and attempts to recover stolen funds, with the same team handling Tech E&O; these service descriptions do not establish response quality or payment for a loss. [9](https://www.coalitioninc.com/claims-experience "Cyber Insurance Claims Experience") [1](https://www.coalitioninc.com/technology-errors-and-omissions-insurance "Tech E&O Insurance Coverage") (Evidence: Company-reported; scope: United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.; verified: 2026-09-16.) | Report workplace injuries to Pie within 24 hours through its form, phone or email; Pie says a claims professional follows up and assesses coverage and benefits. [38](https://www.pieinsurance.com/claims "File Your Claim Within 24 Hours") (Evidence: Company-reported; scope: Published first-report process for Pie-serviced workers’ compensation claims; state notice rules and the issuing carrier’s policy still apply.; verified: 2026-09-15.)<br><br>Ask who handles your state’s workers’ comp claim: Pie says it manages claims in 34 states and CorVel in five, a split not reconciled with its separate 40-state-plus-DC availability. [39](https://www.pieinsurance.com/agency/faq "Partner FAQ") [29](https://www.pieinsurance.com/agency/states-we-serve "Workers’ Comp Coverage By State") [40](https://ratings.ambest.com/DisclosurePDF.aspx?AMBNum=12272&PCA=0 "AM Best Rating Disclosure Report — Pie Casualty Insurance Company") (Evidence: Conflicting sources; scope: Public allocation of workers’ compensation claim handling; the current handler for an individual policy should be taken from its state kit and claim instructions.; verified: 2026-09-15.) |

## Provider Profiles for Coalition and Pie Insurance

- [What Is Coalition Insurance?](https://thegeneralaverage.com/insurance-providers/coalition)
- [What Is Pie Insurance?](https://thegeneralaverage.com/insurance-providers/pie-insurance)

## Comparisons Related to Coalition vs Pie Insurance

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- [Embroker vs Pie Insurance](https://thegeneralaverage.com/compare/embroker-vs-pie-insurance)

## Sources for Coalition vs Pie Insurance

### [Coalition Official Website](https://www.coalitioninc.com/)

1. [Tech E&O Insurance Coverage](https://www.coalitioninc.com/technology-errors-and-omissions-insurance). Coalition; Who needs Technology Errors & Omissions coverage? (organizations that provide a technology product or service for a fee); Combine Technology Errors & Omissions coverage with Active Cyber Insurance; Coalition Advantage. Accessed 2026-09-16.
2. [Licenses and Carriers](https://www.coalitioninc.com/legal/licenses). Coalition; Insurance Licenses: California row; Insurance Carriers; concluding disclosures. Accessed 2026-09-16.
3. [U.S. Disclaimers](https://www.coalitioninc.com/legal/disclaimer). Coalition; Non-Admitted Cyber; Admitted Cyber; Admitted and Non-admitted Cyber. Accessed 2026-09-16.
4. [U.S. Producer Compensation](https://www.coalitioninc.com/legal/producer-compensation). Coalition; Insurance Producers; Base Commission; Contingent Commission; Business Production Incentive Programs; Non-Insurance Products. Accessed 2026-09-16.
5. [Executive Risks](https://www.coalitioninc.com/executive-risks-insurance). Coalition; FAQ: What type of businesses do you protect?, What limits do you offer? and What resources do you have for policyholders?; Product Offering: D&O, EPL, fiduciary, crime. Accessed 2026-09-16.
6. [Miscellaneous Professional Liability](https://www.coalitioninc.com/insurance/miscellaneous-professional-liability-insurance). Coalition; Why Miscellaneous Professional Liability? (can be added to certain Active Cyber Insurance policies); MPL Advantage; Broker Benefits. Accessed 2026-09-16.
7. [Active Cyber Insurance](https://www.coalitioninc.com/cyber-insurance). Coalition; Active Cyber Insurance; Coverage Advantage: separate limit for breach response, pay-on-behalf for cyber extortion, funds transfer fraud, business interruption. Accessed 2026-09-16.
8. [Coalition Control](https://www.coalitioninc.com/control). Coalition; How We Help; Policyholder Features; Wirespeed ADR. Accessed 2026-09-16.
9. [Cyber Insurance Claims Experience](https://www.coalitioninc.com/claims-experience). Coalition; Pre-Claims Assistance; Claims Advantage. Accessed 2026-09-16.
10. [Where does Coalition offer cyber insurance coverage?](https://help.coalitioninc.com/hc/en-us/articles/7520450985883-Where-does-Coalition-offer-cyber-insurance-coverage) Coalition; United States. Accessed 2026-09-16.
11. [Are there any differences between Coalition’s admitted and surplus lines products?](https://help.coalitioninc.com/hc/en-us/articles/7665550624283-Are-there-any-differences-between-Coalition-s-admitted-and-surplus-lines-products) Coalition; Cyber insurance coverage offered by Coalition: Coverage availability; Coverage offering. Accessed 2026-09-16.
12. [How to add Tech E&O coverage to a Coalition quote](https://help.coalitioninc.com/hc/en-us/articles/7665704343963-How-to-add-Tech-E-O-coverage-to-a-Coalition-quote). Coalition; Opening; Step 1; Step 2; Last Step. Accessed 2026-09-16.
13. [How do I qualify for and buy cyber insurance from Coalition?](https://help.coalitioninc.com/hc/en-us/articles/7608339418395-How-do-I-qualify-for-and-buy-cyber-insurance-from-Coalition) Coalition; Eligibility; broker contact; underwriting paragraphs. Accessed 2026-09-16.
14. [Does Coalition offer Excess coverage?](https://help.coalitioninc.com/hc/en-us/articles/13436025921051-Does-Coalition-offer-Excess-coverage) Coalition; Where do I send my excess submissions?; What excess products does Coalition offer, and in what regions? (excess Cyber Surplus in the US and Canada; excess Tech E&O and MPL combined with cyber, US only). Accessed 2026-09-16.
15. [How do Cyber renewals work at Coalition?](https://help.coalitioninc.com/hc/en-us/articles/6959642379547-How-do-Cyber-renewals-work-at-Coalition) Coalition; Opening renewal-path table; Automatic; Express; Standard. Accessed 2026-09-16.
16. [How does Coalition make money?](https://help.coalitioninc.com/hc/en-us/articles/7608439306907-How-does-Coalition-make-money) Coalition; Premium retention and carrier payments paragraphs. Accessed 2026-09-16.
17. [Active Cyber Insurance for Enterprises](https://www.coalitioninc.com/enterprise). Coalition; Introduction; closing eligibility disclaimer. Accessed 2026-09-16.
18. [Coalition AI Coverage](https://www.coalitioninc.com/ai-coverage). Coalition; Coverage in Action table, including the Defamation row (Media Liability insuring agreement); Deepfake Response; policy disclaimers. Accessed 2026-09-16.

### [Pie Insurance Official Website](https://www.pieinsurance.com/)

19. [Pie Insurance](https://www.pieinsurance.com/). Pie Insurance; Homepage: small-business audience; direct workers’ compensation quote; online account; footer entity, insurer and availability qualifications. Accessed 2026-09-15.
20. [About Pie Insurance](https://www.pieinsurance.com/about). Pie Insurance; About Pie; direct and agency distribution; footer legal disclosure. Accessed 2026-09-15.
21. [Workers’ Comp Insurance For Small Businesses](https://www.pieinsurance.com/workers-comp). 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.
22. [Terms Of Use](https://www.pieinsurance.com/legal/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.
23. [Legal](https://www.pieinsurance.com/legal). Pie Insurance; State Licenses; footer disclosure naming producer and workers’ compensation versus third-party underwriting roles. Accessed 2026-09-15.
24. [Pie Insurance — Quote](https://quote.pieinsurance.com/). Pie Insurance; First step: Business ZIP Code. Accessed 2026-09-15.
25. [Business Owner’s Policy](https://www.pieinsurance.com/small-business-insurance/business-owners-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.
26. [Cyber Insurance For Small Businesses](https://www.pieinsurance.com/small-business-insurance/cyber-insurance). Pie Insurance; First- and third-party descriptions; carrier-partner quote invitation; policy-variation qualification. Accessed 2026-09-16.
27. [Errors And Omissions Insurance](https://www.pieinsurance.com/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.
28. [General Liability Insurance](https://www.pieinsurance.com/small-business-insurance/general-liability). 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.
29. [Workers’ Comp Coverage By State](https://www.pieinsurance.com/agency/states-we-serve). 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.
30. [Agency Document Library](https://www.pieinsurance.com/agency/document-library). Pie Insurance; Workers’ Comp State Documents: 40 named states plus Washington, D.C. Accessed 2026-09-15.
31. [Pie Insurance Reports Strong 2025](https://www.pieinsurance.com/resource-center/press/2025-year-in-review). Pie Insurance; 13 January 2026 release; Key 2025 Milestones says 39 states plus Washington, D.C.; company and distribution description. Accessed 2026-09-15.
32. [Commercial Auto Claim FAQs](https://www.pieinsurance.com/claims/comm-auto-faq). 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.
33. [Online Account Tutorial](https://www.pieinsurance.com/resource-center/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.
34. [Workers’ Comp FAQs](https://www.pieinsurance.com/workers-comp/resources/frequently-asked-questions). 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.
35. [Payment Options](https://www.pieinsurance.com/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.
36. [Pay-As-You-Go With Pie Insurance](https://www.pieinsurance.com/pay-as-you-go). Pie Insurance; No initial deposit; actual-payroll monthly premium; automatic deductions; payroll-provider coordination. Accessed 2026-09-15.
37. [Your Workers’ Comp Premium Audit](https://www.pieinsurance.com/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.
38. [File Your Claim Within 24 Hours](https://www.pieinsurance.com/claims). Pie Insurance; Workers’ compensation reporting by online form, 24/7 phone or email; information requested; post-report coverage determination. Accessed 2026-09-15.
39. [Partner FAQ](https://www.pieinsurance.com/agency/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.
40. [AM Best Rating Disclosure Report — Pie Casualty Insurance Company](https://ratings.ambest.com/DisclosurePDF.aspx?AMBNum=12272&PCA=0). 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.
41. [The Pie Insurance Company — Company Details](https://insurance.mo.gov/find-insurance-company/company-details?id=104347111). 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.
42. [Pie Casualty Insurance Company — Entity Details](https://insurance.illinois.gov/applications/RegEntPortal/ViewEntityDetails.aspx?en=982281&s=Active&t=INS). Illinois Department of Insurance; Legal name; P&C Domestic Stock; active status; NAIC 10997; Pie Group Holdings, Inc. parent. Accessed 2026-09-15.
43. [Administrative Actions — January 2024](https://oci.wi.gov/Pages/PressReleases/AdminActions202401.aspx). 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.

Updated 2026-09-29. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://thegeneralaverage.com/editorial-policy). To suggest a correction, [email The General Average](mailto:thegeneralaverage@spot.insure) with the page URL and supporting source.

## Agent and Developer Resources

- [Markdown page](https://thegeneralaverage.com/compare/coalition-vs-pie-insurance.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://thegeneralaverage.com/llms.txt)