GeneralAverage

Corgi vs Pie Insurance: How Do They Compare for Business Insurance?

Corgi packages startup liability; Pie specializes in workers’ compensation with payroll-based payment and audit processes.

Introduction to the Corgi vs Pie Insurance Comparison

A startup hiring its first employees may need workers’ compensation alongside its liability package. Choose Corgi if startup liability is your main need; choose Pie if you need workers’ compensation with payroll-based premium payments and an annual audit. 40 41 2

Buyer Takeaways for Corgi vs Pie Insurance

Corgi Buyer Takeaways

  • Startup packages scale from pre-seed to growth, with a custom option. 2,3,6,15Company-reported. Company website positioning and package names; named customer stories on the customers page are testimonials, not a verified book of business.
  • Use Corgi’s dashboard to adjust coverage as your company grows. 2,1Company-reported. Company description of post-bind servicing and cancellation. Actual endorsement terms remain in the policy. This does not establish a specific renewal guarantee or a finding that renewals are unavailable.

Pie Insurance Buyer Takeaways

  • Start a workers’ compensation quote online or through an insurance agent. 24,23,25Company-reported. 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.
  • Pay workers’ compensation premiums based on reported payroll, with no initial deposit. 39,40Company-reported. Pie’s current workers’ compensation payment pages; actual availability and policy-specific charges need confirmation in the quote.

Corgi vs Pie Insurance Coverage Lines Compared

CoverageCorgiPie Insurance
Business owner’s policyListed 2Corgi lists a business owner’s policy in its coverage catalog.Listed 29Pie accepts business owner’s policy quote requests.
Cargo and transitListed 2Corgi lists a cargo contractual liability product in its transportation offering.Not listed
Commercial autoListed 2Corgi links to trucking auto-liability coverage from its transportation menu.Not listed
CrimeListed 2Corgi lists crime insurance among its main policies.Not listed
Cyber liabilityListed 2Corgi lists cyber insurance among its business insurance offerings.Listed 30Pie provides access to cyber insurance quotes from carrier partners.
Directors and officersListed 2Corgi lists directors and officers insurance among its business insurance offerings.Not listed
Employment practices liabilityListed 2Corgi lists employment practices liability among its business-insurance offerings.Not listed
Fiduciary liabilityListed 2Corgi lists fiduciary liability in its coverage catalog and package options.Not listed
General liabilityListed 2Corgi lists commercial general liability among its business insurance offerings.Listed 32Pie arranges general liability insurance through unaffiliated third-party insurers.
Hired and non-owned autoListed 2Corgi lists hired and non-owned auto liability for employees using rented or personal vehicles for company business.Not listed
Kidnap and ransomListed 2Corgi lists kidnap and ransom among its specialized business-insurance offerings.Not listed
Liquor liabilityListed Corgi markets liquor liability for eligible veterans’ and fraternal lodges with licensed on-premises bars.Not listed
Media liabilityListed 2Corgi lists media liability insurance among its coverage offerings.Not listed
Medical malpracticeListed 2Corgi markets medical malpractice insurance for health care professionals and organizations.Not listed
Professional errors and omissions (E&O)Listed 2Corgi lists miscellaneous errors and omissions coverage for service-based businesses.Listed 31Pie Insurance arranges professional errors and omissions insurance for small businesses through third-party insurers.
Representations and warrantiesListed 2Corgi lists representations and warranties insurance for M&A buyers and sellers.Not listed
Technology errors and omissions (E&O)Listed 2Corgi lists technology errors and omissions insurance for technology products and services.Not listed
Umbrella and excess liabilityListed 2Corgi lists commercial umbrella liability insurance.Not listed
Workers’ compensationListed 2Corgi lists workers’ compensation insurance.Listed 25Pie 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.

Corgi vs Pie Insurance Research by Coverage Line

Open what Corgi and Pie Insurance each document for one coverage line.

Current Reliability Scores for Corgi and Pie Insurance

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

Corgi Reliability Scores

Hybrid provider

Broker

No Reliability Score

Carrier & MGA

No Reliability Score

Provider assessment

Pie Insurance Reliability Scores

Hybrid provider

Broker

5.3/ 10

Carrier & MGA

6.3/ 10

Provider assessment

Corgi 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.

Corgi Review Score

-/ 10

Review Score

No reviews found

The reviewed sources did not yield customer reviews; the inspected Trustpilot profiles showed none. Its Trustpilot page exists but shows no reviews or rating.

Read Corgi 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 Corgi and Pie Insurance

Payroll, Job Duties and Work States

Pie’s workers’ compensation application asks for annual payroll and class-code information. Its audit materials distinguish employee duties and request records for people working in more than one classification. For a startup with developers and field technicians, assemble duties, payroll and locations before seeking terms. Corgi’s growth-stage and hiring inputs can frame the wider insurance purchase, but they do not replace the details needed for a workers’ compensation placement. 25 41 2

Pie’s advertised state counts do not fully agree across its public pages. That makes the actual state schedule and class acceptance especially important when employees work in more than one location. Corgi’s producer-license list likewise cannot establish availability of every proposed product. Ask each team to identify the accepted work states and how newly hired remote or field staff must be reported. 33 35 4 1

Payroll Billing, Audits and Program Cost

Pie’s pay-as-you-go option uses actual reported payroll and no initial deposit. That can make the payment schedule relevant to an employer whose hiring is uncertain. It differs from spreading an estimated annual premium over installments: the buyer needs to establish how its payroll provider supplies information, how corrections are made and when payments are deducted. 40 39

The audit remains a separate obligation. Pie describes a required annual process that finalizes premium using actual payroll, with employee records, cash expenses and subcontractor certificates among the requested documents. Its payment marketing should not be read as a guarantee that no adjustment can occur. For the field-service startup, designate who keeps subcontractor evidence and reconciles payroll changes during the year. 41 40

Corgi’s published startup-stage ranges do not price that same payroll-based policy. Its disclosures allow producer commissions or fees; Pie separately discloses agent commissions and payment charges. Compare the complete program’s annual cost and cash requirements, with technology liability and workers’ compensation shown separately. A lower initial deposit is a timing difference, not proof of a lower final premium. 2 1 43 39

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. 39Company-reported. Credit-card payments for new single-state workers’ compensation policies under the current payment-options page.

Ask which payment choices and fees apply to the actual policy, rather than applying the published new single-state card charge to every multistate or renewal account. 39

Contract Endorsements, Technology Coverage and Vehicles

A customer asking to be an additional insured on general liability is making a different request from a workers’ compensation waiver of subrogation, which concerns the insurer’s recovery rights. Pie’s FAQ says its workers’ compensation policies do not use additional-insured status and handles waivers separately, with state-dependent charges. Corgi’s disclosure also distinguishes a certificate from a policy amendment. Send the actual clause to the person responsible for each policy, then obtain the applicable endorsement and evidence. 38 1

For the startup’s software work, Pie’s partner errors and omissions (E&O) and cyber offerings create potential overlap with Corgi’s technology/cyber package. Ask Pie for the professional-services definition, insurer and proposed wording instead of transferring assumptions from its affiliated workers’ compensation program. Ask Corgi how any separately arranged workers’ compensation policy will be coordinated with its package. The same company logo need not mean a common insurer, bill or claim process. 31 30 27 8 1

If field operations add vehicles, Pie’s commercial-auto FAQ says new and renewal business has ended; remaining claims material serves legacy coverage. Do not build a current vehicle proposal from that navigation label. Ask for a separate available placement and its service owner, including when Corgi coordinates other policies. 36 1

Insurer Ratings and Workplace-Injury Reporting

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. 44Verified. Pie Casualty Insurance Company and the consolidated Pie Insurance Group rating unit as identified in the disclosure report.

That rating should not be applied automatically to unnamed outside insurers on Pie’s other products. Likewise, if Corgi offers Technology Risk Retention Group, its disclosure says TRRG has no AM Best rating and risk retention group policies lack state guaranty-fund protection. Corgi also describes eligible admitted/partner alternatives. Identify each actual insurer before assessing a customer’s financial-strength or admitted-status requirement; the technology and workers’ compensation policies may need different evidence. 27 1 20

Pie asks for workplace-injury reports within 24 hours and offers an online form, round-the-clock phone reporting and email. Its public claim-handler allocation varies by state and does not fully reconcile with its footprint count. Save the specific policy’s instructions for the field supervisor and payroll team. Corgi’s claims team and possible affiliated or third-party administration describe a different general service route; neither description establishes comparative settlement quality. 42 43 1

What Should You Confirm in Corgi and Pie Insurance Quotes?

  • A payroll and duties schedule: classifications, states, payroll-provider integration and who updates hiring changes or subcontractor records. 25 41 40
  • A complete policy map: technology/cyber, workers’ compensation and any vehicles, showing affiliated versus outside issuers and separate service contacts. 2 27 36
  • The exact contract endorsements: which policy needs additional-insured wording, which needs a waiver, and the charge and approval process for each. 38 1
  • Payment, audit and injury instructions: deposits or payroll deductions, applicable fees, annual audit records and the state-specific claim recipient. 39 41 42

Corgi vs Pie Insurance Services Compared

What each provider documents about the services you may need

CriteriaCorgiPie Insurance
Customer focus

Technology startups can compare Corgi packages for pre-seed/seed, Series A and growth stages, or ask about a custom option. 2,3,6,15Company-reported. Company website positioning and package names; named customer stories on the customers page are testimonials, not a verified book of business.

Small businesses in offices, retail, restaurants, personal services, self-storage, wholesale, community associations or rental properties may have a new Corgi option; its August 2026 filing announcement says state and product availability differ. 9Company-reported. Company-announced admitted-carrier appetite. Filing a product is not the same as confirmed availability in a given state.

Small businesses looking for workers’ compensation can approach Pie directly or through local, regional and national agencies. 24,25Company-reported. US small-business workers’ compensation distribution described on Pie’s current About and product pages.

Coverage lines

Startup packages can combine general liability, D&O, Tech E&O, cyber, media, employment practices, fiduciary and hired/non-owned auto; Corgi also offers a Tech & AI Liability module. 2,8,10Company-reported. Website product labels and package descriptions. Labels are not equivalent coverage, and website summaries are not policy wording.

If you need D&O, Corgi’s example shows claims-made protection for directors, officers and the company under form CORG-DO-0100, issued by Technology Risk Retention Group. The example puts defense costs inside the limit and has a $25,000 per-claim retention; your policy controls. 5Company-reported. Public product-page summary last reviewed 24 April 2026 on the page itself; illustrative limits and retentions may differ from a buyer’s policy.

A package that includes property needs another insurer if its liability policy uses a risk retention group, because such groups can write business liability but not property coverage. 19,21Verified. Statutory limit on what an RRG may write. It does not by itself prove which Corgi product sits on which paper.

Pie currently markets workers’ comp, BOP, cyber, general liability and professional liability/E&O; product pages describe typical coverage, while the policy and endorsements determine your actual protection. 25,29,30,32,31,26Company-reported. Public US Pie pages with an explicit quote or contact invitation; educational-only topics and components of a BOP were not counted as standalone offerings.

If you need new or renewed commercial auto, look elsewhere: Pie stopped accepting new submissions December 1, 2025 and says it will issue no new or renewal policies after January 1, 2026; existing terms remain in force through expiry. 36,42Company-reported. Pie’s former commercial-auto offering and legacy policies; commercial auto is intentionally excluded from the current coverage catalogue.

Use your policy and endorsements to decide what is covered; Pie says website descriptions do not change policy terms and eligibility varies by applicant and location. 26Company-reported. Website descriptions and US products generally; the buyer’s issued policy and endorsements control.

Application process

You can apply online or book a specialist call, and Corgi says eligible applicants may quote in minutes and buy the same day; confirm in writing whether coverage starts at policy issuance/payment or under a binder and the effective date. 2,1Company-reported. Company website process claims and Binding Authority and Policy Issuance disclosure, rechecked on 15 September 2026. The disclosure's first paragraph requires policy issuance and payment, while its next paragraph describes temporary binder coverage; this record does not resolve which conditions apply to a particular placement. Quote speed is not independently verified and is not the same as coverage being in force. A self-serve path is not evidence of zero producer commissions or fees.

Small businesses can start a workers’ compensation quote online or through an insurance agent; agencies use a separate partner portal. 24,23,25Company-reported. 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.

Have your ZIP, payroll and class-code details ready for a Pie workers’ compensation quote; its online intake begins with ZIP code. 28,25Company-reported. Unauthenticated first step and Pie’s description of workers’ compensation quote inputs; no data was entered and the flow was not advanced.

Pie advertises a workers’ compensation quote in about three minutes, but this company estimate does not predict underwriting or binding time. 25,23Company-reported. Workers’ compensation quote marketing; no timed independent quote test was performed.

Servicing and renewals

You can add or upgrade policies through Corgi’s dashboard as funding, hiring or contract needs change; renewal and cancellation remain subject to your policy and state rules. 2,1Company-reported. Company description of post-bind servicing and cancellation. Actual endorsement terms remain in the policy. This does not establish a specific renewal guarantee or a finding that renewals are unavailable.

Pie policyholders can manage payments, download documents and request workers’ comp certificates online; custom certificates may require your agent. 37,38Company-reported. Published workers’ compensation account tutorial; authenticated features were not accessed or independently tested.

Budget for a workers’ comp premium audit: Pie replaces estimated payroll with actual figures and may request payroll, employee, expense and subcontractor records, which can change your final premium. 41Company-reported. Pie workers’ compensation premium audit process; the page does not quantify any resulting additional charge or refund.

Pie’s consumer FAQ describes a workers’ compensation renewal quote about 30 days before expiry for review and acceptance. Its agency FAQ says previews for policies under $20,000 go to the insured with the agency copied, while previews for policies over $20,000 go to the producer; unless otherwise notified, the deposit is drafted and the renewal issued five days before its effective date. The FAQ does not specify the exact-$20,000 case. Ask which notice and payment process applies to your account. 38,43Company-reported. Different company-published consumer and agency descriptions of workers’ compensation renewal. Neither guarantees renewal or unchanged terms; the account notice determines the applicable process.

Fees and compensation

Ask for the commission or customer fee on your policy because Corgi Insurance Services may receive either from you or the insurer. 1Company-reported. Producer compensation disclosure. Website, self-serve, or other direct distribution is not a finding of zero commissions or fees. Specific amounts were not published in the reviewed sources.

Corgi gives annual price examples of $2,000–$5,000 for eligible pre-seed/seed startups and $5,000–$15,000 for Series A; your quote depends on risk, state, coverage and limits. 2,6,7Company-reported. Company-reported ranges and a marketing savings claim, not comparable quotes. They are not premiums for a defined risk, limit, retention, or policy period. “Underwrites directly” is not a finding of zero producer commissions or fees, and no public methodology for the 30 percent figure was found.

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. 39,40Company-reported. Pie’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. 39Company-reported. Credit-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. 38Not publicly disclosed. Workers’ 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. 43,27Not publicly disclosed. Agency-distributed workers’ compensation and other third-party placements; expired promotional incentives were not treated as current standard compensation.

Sources for Corgi vs Pie Insurance

Corgi Official Website

  1. Disclaimers & Licensing. Corgi Insurance Services, Inc.; Carrier Financial Strength (including “federally chartered” and “federal prudential oversight” wording); About Corgi; Licensing; Premium and Payment Disclosures (producer commissions, fees, or other consideration, amounts available on request); Binding Authority and Policy Issuance; page last updated 04/05/26. Accessed 2026-09-15.
  2. Corgi Insurance homepage. Corgi Insurance Services, Inc.; Product packages: Cyber and Directors & Officers; Growth Stage and Custom Package; Self-Serve (apply, get quoted in minutes, bind same-day) and Book a Demo paths; Explore Our Main Policies: Commercial General Liability, Crime Insurance, Fiduciary Liability, Hired and Non-Owned Auto (HNOA), Worker’s Compensation; Specialized coverages: Employment Practices Liability (EPLI), K&R (Kidnap & Ransom), Representations and Warranties; Commercial Umbrella Liability; Business Owners Policy (BOP); Coverage sales cards: Media Liability, Medical Malpractice, Miscellaneous E&O; Core Operations: Tech E&O Insurance; Tech & AI Liability product module; Transportation menu: Auto Liability, Contractual Liability Insurance - Cargo; FAQ on cost, claims, and binding; footer entity, program-administrator and issuing-carrier notices. Accessed 2026-09-16.
  3. About Corgi. Corgi Insurance Services, Inc.; Company description; Federally Regulated, A-Rated Admitted Access, and Licensed Nationwide sections. Accessed 2026-09-15.
  4. Insurance Producer Licenses. Corgi Insurance Services, Inc.; Corgi Insurance Services, Inc. state-by-state producer license table. Accessed 2026-09-15.
  5. Directors & Officers (D&O) Insurance for Startups. Corgi Insurance Services, Inc.; Form CORG-DO-0100 coverage summary; policy notes stating TRRG underwrites the D&O coverage part; footer identifying Corgi Insurance Company, Inc. NAIC 17989. Accessed 2026-09-15.
  6. Customer Success Stories. Corgi Insurance Services, Inc.; Page heading and named technology-company testimonials; cost FAQ. Accessed 2026-09-15.
  7. Partnerships. Corgi Insurance Services, Inc.; Direct Underwriting savings claim; partner-page process; onboarding-to-claims handling claim. Accessed 2026-09-15.
  8. Insurance for AI, Built for Model Risk. Corgi Insurance Services, Inc.; Tech & AI Liability product description and related AI-risk FAQ. Accessed 2026-09-15.
  9. Corgi Insurance Launches Admitted Insurance Carrier. PR Newswire (Corgi press release); Announcement of Corgi Insurance Company, Inc.; planned small-business product classes; guaranty-association eligibility statement. Accessed 2026-09-15.
  10. Corgi Insurance Raises $108 Million, Receives Regulatory Approval to Launch the First Full-Stack Insurance Carrier for Startups. PR Newswire (Corgi press release); 9 January 2026 funding announcement; listed startup coverage lines; ARR figure. Accessed 2026-09-15.
  11. Corgi Reaches $2.6B Valuation With $106M Series B1 Three Weeks After $160M Unicorn Round. PR Newswire (Corgi press release); 28 May 2026 company statement of $378 million total funding and planned vertical expansion. Accessed 2026-09-15.
  12. Corgi Insurance Launches Corgi Claims, the AI-Native TPA. PR Newswire (Corgi press release); 29 June 2026 launch of Corgi Claims as a TPA; disclaimer that claims services are provided through licensed subsidiaries and affiliates. Accessed 2026-09-15.
  13. Corgi Insurance and Silicon Valley Bank Partner to Connect Clients to Preferred Coverage Solutions. PR Newswire (Corgi and Silicon Valley Bank press release); 17 June 2026 partnership announcement for SVB client access to Corgi products. Accessed 2026-09-15.
  14. Corgi: Rebuilding Insurance with AI. Kindred Ventures; 8 January 2026 investor announcement describing Corgi as a full-stack carrier with a captive reinsurer; 40,000+ policyholders across 49 states. Accessed 2026-09-15.
  15. Corgi Insurance company profile. Y Combinator; Summer 2024 batch; San Francisco location; 2024 founding; team size 250; description as a full-stack insurance carrier for startups. Accessed 2026-09-15.
  16. Registered Federal Risk Retention Groups. Rhode Island Department of Business Regulation; Report date 23 June 2026; registration entry for Technology Risk Retention Group, Inc., NAIC 17763, 425 Bush St., San Francisco, CA 94108. Accessed 2026-09-15.
  17. NAIC Listing of Companies. National Association of Insurance Commissioners; June 2026 listing, numerical entry 17763 P 1 AZ TECHNOLOGY RRG INC. Accessed 2026-09-15.
  18. Insurance Topics: Risk Retention Groups. National Association of Insurance Commissioners; Topic page last updated 13 October 2025: member-owned liability insurers formed under state and federal law; may be formed under a state's captive or traditional insurance laws; domiciled in one state and registered in others; treated as multi-state companies subject to modified NAIC accreditation standards. Accessed 2026-09-15.
  19. 15 U.S.C. § 3901 — Definitions. U.S. House Office of the Law Revision Counsel; Liability Risk Retention Act definitions of liability and risk retention group, including state charter, member-ownership, and liability-only activity limits. Accessed 2026-09-15.
  20. 15 U.S.C. § 3902 — Risk retention groups. U.S. House Office of the Law Revision Counsel; Non-domicile state registration and policy notice requirements; exemption from state insurance insolvency guaranty associations. Accessed 2026-09-15.
  21. Arizona Revised Statutes § 20-2402. Arizona Legislature; Risk retention groups chartered and licensed in Arizona may write only liability insurance under that chapter. Accessed 2026-09-15.
  22. Corgi built its name insuring AI startups. Its new carrier targets dry cleaners, salons and more. Insurance Business; 27 August 2026 report identifying Technology Risk Retention Group as an Arizona-chartered RRG and noting that the admitted-carrier announcement does not specify domicile, licensed states, or rating status. Accessed 2026-09-15.

Pie Insurance Official Website

  1. Pie Insurance. Pie Insurance; Homepage: small-business audience; direct workers’ compensation quote; online account; footer entity, insurer and availability qualifications. Accessed 2026-09-15.
  2. About Pie Insurance. Pie Insurance; About Pie; direct and agency distribution; footer legal disclosure. Accessed 2026-09-15.
  3. 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.
  4. 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.
  5. Legal. Pie Insurance; State Licenses; footer disclosure naming producer and workers’ compensation versus third-party underwriting roles. Accessed 2026-09-15.
  6. Pie Insurance — Quote. Pie Insurance; First step: Business ZIP Code. Accessed 2026-09-15.
  7. 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.
  8. Cyber Insurance For Small Businesses. Pie Insurance; First- and third-party descriptions; carrier-partner quote invitation; policy-variation qualification. Accessed 2026-09-16.
  9. 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.
  10. 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.
  11. 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.
  12. Agency Document Library. Pie Insurance; Workers’ Comp State Documents: 40 named states plus Washington, D.C. Accessed 2026-09-15.
  13. 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.
  14. 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.
  15. 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.
  16. 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.
  17. 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.
  18. 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.
  19. 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.
  20. 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.
  21. 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.
  22. 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.
  23. 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.
  24. 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.
  25. 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.

Updated . 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. To suggest a correction, email The General Average with the page URL and supporting source.

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