Liberty Mutual vs Pie Insurance: How Do They Compare for Business Insurance?

For buyers comparing Pie Insurance's documented customer focus and application route with Liberty Mutual's small-commercial and broader commercial offerings, the practical choice depends on the operation, product, and service path. Consider Pie Insurance when its described focus and application route fit; compare Liberty Mutual when its commercial products and agent or broker access fit the account. Neither description establishes eligibility, price, or matching policy terms.

An Overview of Liberty Mutual and Pie Insurance

This pair is useful when a buyer is deciding how Pie Insurance's route compares with Liberty Mutual's small-commercial or broader commercial options. The published customer-focus statement for Pie Insurance is: Small businesses looking for workers’ compensation can approach Pie directly or through local, regional and national agencies. ²⁶ ²⁷ Liberty Mutual's small-business route offers quote and agent entry points; compare its commercial range and agent or broker access against the account. ² ¹⁴

What Stands Out About Liberty Mutual and Pie Insurance?

Liberty Mutual at a Glance

Liberty Mutual offers small-commercial cover to small businesses and commercial, specialty, reinsurance and surety solutions to mid-size and large ones. ²Company-reportedCompany-reported business-unit positioning; it does not establish that each product is available in every state or country.
Small-business customers can use online accounts for billing, certificates, premium audits and claim-status checks. ^14,¹⁵Company-reportedCompany-described small-business account features; not an independent service-quality measure or guarantee.

Pie Insurance at a Glance

Start a workers’ compensation quote online or through an insurance agent. ^26,^25,²⁷Company-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. ^41,⁴²Company-reportedPie’s current workers’ compensation payment pages; actual availability and policy-specific charges need confirmation in the quote.

Liberty Mutual vs Pie Insurance Coverage Lines Compared

Coverage	Liberty Mutual	Pie Insurance
Builders risk	Listed ⁸	Not listed
Business owner’s policy	Listed ¹⁸	Listed ³¹Pie accepts business owner’s policy quote requests.
Cargo and transit	Listed ¹³	Not listed
Commercial auto	Listed ⁴	Not listed
Commercial property	Listed ⁸	Not listed
Crime	Listed ⁶	Not listed
Cyber liability	Listed ⁵	Listed ³²Pie provides access to cyber insurance quotes from carrier partners.
Directors and officers	Listed ⁶	Not listed
Employment practices liability	Listed ⁶	Not listed
Equipment breakdown	Listed ^8,⁹	Not listed
Fidelity bonds	Listed ¹¹	Not listed
Fiduciary liability	Listed ⁶	Not listed
General liability	Listed ¹⁷	Listed ³⁴Pie arranges general liability insurance through unaffiliated third-party insurers.
Kidnap and ransom	Listed ¹²	Not listed
Management liability	Listed ^6,²¹	Not listed
Medical malpractice	Listed ²²	Not listed
Professional errors and omissions (E&O)	Listed ^7,¹⁹	Listed ³³Pie Insurance arranges professional errors and omissions insurance for small businesses through third-party insurers.
Representations and warranties	Listed ²¹	Not listed
Surety bonds	Listed ¹¹	Not listed
Technology errors and omissions (E&O)	Listed ⁵	Not listed
Tools, equipment and inland marine	Listed ⁸	Not listed
Umbrella and excess liability	Listed ³	Not listed
Virtual care and telehealth	Listed ²²	Not listed
Workers’ compensation	Listed ^3,^10,²³	Listed ²⁷Pie 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.

Liberty Mutual and Pie Insurance Coverage, Line by Line

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

Business Owner’s Policy
- Liberty Mutual Business Owner’s Policy
- Pie Insurance Business Owner’s Policy
Cyber Insurance
- Liberty Mutual Cyber Insurance
- Pie Insurance Cyber Insurance
General Liability Insurance
- Liberty Mutual General Liability Insurance
- Pie Insurance General Liability Insurance
Professional Liability (E&O) Insurance
- Liberty Mutual Professional Liability (E&O) Insurance
- Pie Insurance Professional Liability (E&O) Insurance
Workers’ Compensation Insurance
- Liberty Mutual Workers’ Compensation Insurance
- Pie Insurance Workers’ Compensation Insurance

Liberty Mutual 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.

Liberty Mutual Reliability Scores

Carrier

Carrier & MGA

No Reliability Score

Provider assessment

Pie Insurance Reliability Scores

Hybrid provider

Broker

5.3/ 10

Carrier & MGA

6.3/ 10

Provider assessment

Liberty Mutual 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.

Liberty Mutual Review Score

7.2/ 10

Review Score

2 rated sources

Customers give Liberty Mutual 4.2 out of 5 on Trustpilot from 3,836 reviews, but that page mixes auto, home and life customers with business ones. For business insurance specifically, NerdWallet gives 3.0 out of 5 and reports more complaints than expected.

Read Liberty Mutual 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 Pie Insurance and Liberty Mutual

Business Roles and Access to Insurers

Pie Insurance's published role is not interchangeable with the insurer named on a policy. Liberty Mutual also describes a group brand with product-specific insurer and distribution relationships. For either quote, trace the producer, issuing insurer, and any intermediary on the actual proposal; that tells you who arranges the placement and who owes the policy obligations. ²⁶ ²⁹ ²⁷ ³¹ ³² ³³ ³⁴ ³ ¹⁶

Buyer Fit and Documented Products

The published customer-focus statement for Pie Insurance is: Small businesses looking for workers’ compensation can approach Pie directly or through local, regional and national agencies. Liberty Mutual's profile covers small businesses as well as mid-size and large commercial risks. Use this pair's coverage table to identify catalogued overlaps, then compare the actual product and form. A shared line label does not establish the same insurer, limits, exclusions, or eligibility. ²⁶ ²⁷ ² ²⁷ ³¹ ³² ³⁴ ³³ ²⁸ ³ ⁷ ⁸ ¹¹ ¹² ¹³ ¹⁷ ¹⁸ ¹⁹ ²⁰ ²¹ ²² ²³

Quote, Application, and Ongoing Service

The application route matters if you expect to buy online, work through a broker, or keep one service contact after binding. Pie Insurance documents its own application and service entry points; Liberty Mutual directs commercial buyers toward an agent or broker and describes online account tasks for small-business policyholders. Ask both to map who handles follow-up, renewal work, policy changes, and claims notice for the product quoted to you. ²⁶ ²⁵ ²⁷ ¹⁴ ³ ⁵ ³⁹ ⁴⁰ ¹⁴ ¹⁵

What Should You Confirm in Pie Insurance and Liberty Mutual Quotes?

Match the operation and the line. Give both providers the same description of your locations, revenue, payroll, vehicles, contracts, and requested coverage. Ask Pie Insurance which of its documented product routes applies to those facts and ask Liberty Mutual which commercial product and distribution route fits. ²⁷ ³¹ ³² ³⁴ ³³ ²⁸ ³
Trace each quote to the people and insurer involved. Ask for the producing agency or broker, the legal name of the issuing insurer, and the contact responsible for changes and renewal. The published routes describe different roles, so a brand name alone does not answer those policy-specific questions. ²⁶ ²⁹ ²⁷ ³¹ ³² ³³ ³⁴ ³
Compare the proposed wording and total cost. Put limits, deductibles or retentions, exclusions, policy period, taxes, fees, and financing on the same basis; request the forms and endorsements for the actual product. Listed coverage labels do not establish equivalent protection. ²⁷ ³¹ ³² ³⁴ ³³ ²⁸ ³
Set the service and notice path before binding. Confirm where to request policy changes, how renewals are handled, and the policy-specific claims notice instructions. A service portal or broker assistance does not replace the insurer's notice requirements. ³⁹ ⁴⁰ ¹⁵
Use a written start-of-coverage confirmation. Ask what remains outstanding after an application or quote and which document confirms the effective date. A quote or online entry point alone does not establish that coverage has begun. ²⁶ ²⁵ ²⁷ ¹⁴

Liberty Mutual vs Pie Insurance Services Compared

What each provider documents about the services you may need

Criteria	Liberty Mutual	Pie Insurance
Business role	Liberty Mutual is a group brand spanning multiple insurance entities. Its business-site disclosure says coverage may be underwritten by Liberty Mutual Insurance Company or affiliates/subsidiaries and that the issuing insurer is identified when a product is offered; some policies may use surplus-lines insurers. The LMIC statutory statement identifies Comparion as a separate producer for LMIC policies it places. ^3,¹⁶Company-reportedUS commercial brand and channel overview. Does not assign LMIC or Comparion to every product; confirm the named insurer and producer on each offer and policy.	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. ^26,^29,^27,^31,^32,^33,³⁴Company-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. ^28,^48,⁴⁶VerifiedWebsite 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. ^29,⁴⁹Company-reportedProducer identity and Pie-published US license list; Wisconsin’s regulator separately identifies this entity in a 2024 administrative action.
Application process	Liberty Mutual's small-business page offers quote and agent-finder entry points. Its commercial pages direct business buyers to a broker or agent. A quote link does not establish online purchase or policy binding. ^14,^3,⁵Company-reportedPublic company pages only; no application was submitted and no authenticated workflow was inspected.	Small businesses can start a workers’ compensation quote online or through an insurance agent; agencies use a separate partner portal. ^26,^25,²⁷Company-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. Have your ZIP, payroll and class-code details ready for a Pie workers’ compensation quote; its online intake begins with ZIP code. ^30,²⁷Company-reportedUnauthenticated 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. ^27,²⁵Company-reportedWorkers’ compensation quote marketing; no timed independent quote test was performed.
Servicing and renewals	Liberty Mutual describes online account tasks for small-business customers, including billing, certificates, premium audits and claim-status checks. Access and available tasks may depend on the policy and account; a certificate does not amend coverage. ^14,¹⁵Company-reportedCompany-described small-business account features; not an independent service-quality measure or guarantee. NerdWallet reports that Liberty Mutual’s commercial-property complaints were higher than expected for its market share and general-liability complaints were far higher than expected during 2022–2024. This is an attributed secondary analysis; its underlying counts and insurer-entity mapping were not independently recalculated here. ²⁴VerifiedNerdWallet’s June 3, 2026 secondary analysis of commercial-property and general-liability complaints for 2022–2024. This does not identify an exact underwriting entity or constitute an independently reproduced regulator metric.	Pie policyholders can manage payments, download documents and request workers’ comp certificates online; custom certificates may require your agent. ^39,⁴⁰Company-reportedPublished 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. ⁴³Company-reportedPie 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. ^40,⁴⁵Company-reportedDifferent company-published consumer and agency descriptions of workers’ compensation renewal. Neither guarantees renewal or unchanged terms; the account notice determines the applicable process.

Criteria

Liberty Mutual

Pie Insurance

Business role

Liberty Mutual is a group brand spanning multiple insurance entities. Its business-site disclosure says coverage may be underwritten by Liberty Mutual Insurance Company or affiliates/subsidiaries and that the issuing insurer is identified when a product is offered; some policies may use surplus-lines insurers. The LMIC statutory statement identifies Comparion as a separate producer for LMIC policies it places. ^3,¹⁶Company-reportedUS commercial brand and channel overview. Does not assign LMIC or Comparion to every product; confirm the named insurer and producer on each offer and policy.

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. ^26,^29,^27,^31,^32,^33,³⁴Company-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. ^28,^48,⁴⁶VerifiedWebsite 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. ^29,⁴⁹Company-reportedProducer identity and Pie-published US license list; Wisconsin’s regulator separately identifies this entity in a 2024 administrative action.

Application process

Liberty Mutual's small-business page offers quote and agent-finder entry points. Its commercial pages direct business buyers to a broker or agent. A quote link does not establish online purchase or policy binding. ^14,^3,⁵Company-reportedPublic company pages only; no application was submitted and no authenticated workflow was inspected.

Small businesses can start a workers’ compensation quote online or through an insurance agent; agencies use a separate partner portal. ^26,^25,²⁷Company-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.

Have your ZIP, payroll and class-code details ready for a Pie workers’ compensation quote; its online intake begins with ZIP code. ^30,²⁷Company-reportedUnauthenticated 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. ^27,²⁵Company-reportedWorkers’ compensation quote marketing; no timed independent quote test was performed.

Servicing and renewals

Liberty Mutual describes online account tasks for small-business customers, including billing, certificates, premium audits and claim-status checks. Access and available tasks may depend on the policy and account; a certificate does not amend coverage. ^14,¹⁵Company-reportedCompany-described small-business account features; not an independent service-quality measure or guarantee.

NerdWallet reports that Liberty Mutual’s commercial-property complaints were higher than expected for its market share and general-liability complaints were far higher than expected during 2022–2024. This is an attributed secondary analysis; its underlying counts and insurer-entity mapping were not independently recalculated here. ²⁴VerifiedNerdWallet’s June 3, 2026 secondary analysis of commercial-property and general-liability complaints for 2022–2024. This does not identify an exact underwriting entity or constitute an independently reproduced regulator metric.

Pie policyholders can manage payments, download documents and request workers’ comp certificates online; custom certificates may require your agent. ^39,⁴⁰Company-reportedPublished 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. ⁴³Company-reportedPie 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. ^40,⁴⁵Company-reportedDifferent company-published consumer and agency descriptions of workers’ compensation renewal. Neither guarantees renewal or unchanged terms; the account notice determines the applicable process.

Sources

49 documents, numbered as cited. Open the sources

Sources for Liberty Mutual vs Pie Insurance

Liberty Mutual Official Website

1
Member Information. Liberty Mutual Group; Sections ‘What is Liberty Mutual Holding Company Inc.?’ and ‘Who is a member?’; company explanation of the mutual holding company, use of trade names, insurance entities, and named-insured eligibility. Accessed 2026-09-29.
2
Company Profile. Liberty Mutual Group; Strategic business units paragraph: US Retail Markets (individuals/small businesses; small commercial; countrywide) and Global Risk Solutions (mid-size/large businesses; commercial, specialty, reinsurance, surety; worldwide). Accessed 2026-09-29.
3
Commercial Insurance Solutions. Liberty Mutual Business Insurance; Commercial solutions index names commercial auto and fleet, cyber, environmental liability, equipment breakdown, excess and surplus, general liability, healthcare liability, inland marine, management liability, multinational, ocean marine, professional liability, property, reinsurance, surety, umbrella/excess and workers compensation. Disclosure says policy insurer is named when offered, may be an affiliate/subsidiary or surplus-lines insurer; states/jurisdictions and actual policy terms vary. Accessed 2026-09-29.
4
Commercial Auto and Fleet. Liberty Mutual Business Insurance; ‘Solutions for complex risks’ names liability, physical damage, bodily injury and uninsured motorists; ‘Expertise that delivers’ says underwriting is tailored to industry, fleet, location and usage; ‘Better control over claims’ describes auto liability claims resources. Company marketing claims are not an independent outcome study. Accessed 2026-09-29.
5
Cyber Insurance. Liberty Mutual Business Insurance; Products section names Liberty Cyber Resolution (first- and third-party cyber) and Liberty Tech Resolution (cyber plus technology E&O); eligibility/placement is broker or agent distributed; page describes risk-engineering and incident-response resources as company-reported services. Accessed 2026-09-29.
6
ProShield. Liberty Mutual Business Insurance; Opening paragraphs identify package combining directors and officers, employment practices, fiduciary, and crime coverages; D&O and crime sections describe examples of exposures and selected coverage features. Examples are not policy terms. Accessed 2026-09-29.
7
Programs. Liberty Mutual Business Insurance; ‘Our programs portfolio’ lists Auto Salvage/Dismantlers, Fire Suppression and Sprinkler Contractors, Nonprofits, Physicians & Surgeons Professional (PL only), Post-surgical for bariatric and plastic surgeries, Roofing Contractors, Scrap Metal Dealers, Self-storage, and Sports and Fitness. Page says programs are managed by program administrators; not a complete business catalogue. Accessed 2026-09-29.
8
Property. Liberty Mutual Business Insurance; Property solutions section describes commercial property, business-interruption protection, Builder's Risk, Equipment Breakdown, Inland Marine and Ocean Marine; named Premier Property Protector, RM Select, and Liberty Mutual Property Protector product descriptions; states standalone and package options. Coverage terms depend on the policy. Accessed 2026-09-29.
9
Products: Liberty Mutual Equipment Re. Liberty Mutual Business Insurance; ‘Commercial equipment breakdown’ names commercial equipment breakdown and covered electrical/mechanical/pressure-system failure examples; it describes reinsurance and individualized coverage. Do not apply personal service-line products to business buyers. Accessed 2026-09-29.
10
Workers Compensation Resources. Liberty Mutual Business Insurance; Customer resources section describes medical-provider networks, pharmacy program, online provider lookup, and state-specific claims forms/posting notices; service statements are company-reported and do not establish policy eligibility. Accessed 2026-09-29.
11
Commercial Bonds. Liberty Mutual Business Insurance; ‘Broad slate of commercial bonds’ enumerates court/fiduciary, appeal, tax appeal, self-insurer workers compensation, license/permit, reclamation, lost instrument, utility payment, service/supply, business services, public official, ERISA, fidelity and miscellaneous bonds; page states distinct large/small commercial audiences and qualified program scale. Accessed 2026-09-29.
12
Multinational. Liberty Mutual Business Insurance; Liberty WorldWise coverage list names foreign property/general liability/auto-excess/voluntary compensation and employers liability, accidental death and dismemberment, kidnap/ransom/extortion, crime, crisis management, travel assistance; states broker/agent distribution. Product and international scope only. Accessed 2026-09-29.
13
Wholesale Distribution. Liberty Mutual Business Insurance; Wholesale coverage options list includes cargo stock throughput, commercial auto, cyber, D&O, environmental, general liability, inland marine, management liability, property (including equipment breakdown), trade credit, umbrella/excess and workers compensation. Industry-specific examples, not universal eligibility. Accessed 2026-09-29.
14
Small Business Insurance Coverage. Liberty Mutual; Small business landing page: quote and agent links, industry examples and online account actions (bill payment, certificate generation, premium audit and claim-status checks); no form submitted; no purchase/bind functionality inferred. Accessed 2026-09-29.
15
Contact Us. Liberty Mutual Business Insurance; General business account, billing, claim report/management, premium audit and assigned-risk workers compensation routes; no product-level service guarantee. Accessed 2026-09-29.
16
Liberty Mutual Insurance Company 2025 Statutory Statement. Liberty Mutual Insurance Company; 2025 annual statement pp. 1, 3–4, 29–31 and 54–55: LMIC legal identity and NAIC 23043; LMGI share ownership and LMHC ultimate-parent phrase; Comparion producer agreements; affiliate service agreements; group pool and aggregate financial lines. The statement identifies the named insured/issuer entity; it does not establish every brand relationship. Accessed 2026-09-29.
17
General liability. Liberty Mutual Business Insurance; Opened September 29, 2026. Product page heading “General liability”; lines 128–136 expressly describe GL coverage for advertising injury, bodily injury, personal injury, property damage and product-injury claims; lines 139–149 describe underwriting/risk control and GL claims adjusters, counsel panel and analytics. Page footer says issuer is LMIC or affiliate/subsidiary, product availability varies, and some policies may be surplus lines. This supports GL and a product-related GL exposure example, not a separate product-liability policy. Accessed 2026-09-29.
18
Business owner's policy insurance. Liberty Mutual; Opened September 29, 2026. Lines 21–45 describe a small-business BOP combining property and general liability, common coverages, and optional cyber/professional-liability supplements. Lines 53–55 identify independent-agent distribution; lines 113–121 distinguish standalone GL, BOP, commercial package policy and separate commercial auto, workers compensation, farm, and inland marine risks. This is the small-business retail offer, not a mid-market form or issuer-level disclosure. Accessed 2026-09-29.
19
Professional liability. Liberty Mutual Business Insurance; Opened September 29, 2026. Lines 117–130 describe business professional liability and linked Architects & Engineers, Lawyers, Miscellaneous and Technology professional liability solutions; Technology PL includes network/privacy-security exposures, so it is not mapped as a general standalone cyber claim. Footer lines 157 onward warns availability and policy terms vary. Product list includes a separate Bermuda financial-lines link; no Bermuda detail is used for US membership. Accessed 2026-09-29.
20
Umbrella and excess liability. Liberty Mutual Business Insurance; Opened September 29, 2026. Lines 116–120 expressly name business umbrella and excess-liability solutions; lines 130–136 distinguish umbrella over existing underlying liability from excess capacity and note named Liberty Mutual and Ironshore marketing offers, stated capacities and domestic/international exposures. Lines 140–149 describe specialist underwriting and claims resources. This does not identify the legal issuer for a quote. Accessed 2026-09-29.
21
Professional services. Liberty Mutual Business Insurance; Opened September 29, 2026. Lines 129–138 list professional-services program coverages: GL with Services endorsement, property, commercial auto, workers compensation, umbrella/excess, D&O, professional liability, cyber, EPL and fidelity/crime. Lines 139–148 describe M&A transactional-liability solutions including representations and warranties, tax liability and contingent legal risk. These are professional-services industry positioning, not universal eligibility or standalone line terms; distribution and policy caveats at lines 164–176 and 234–236. Accessed 2026-09-29.
22
Healthcare liability. Liberty Mutual Business Insurance; Opened September 29, 2026. Lines 118–120 describe US healthcare liability solutions; lines 129–144 name digital-health professional liability for virtual/telehealth care, hospital professional liability, miscellaneous medical professional liability, physician-group-practice professional liability, and other healthcare-specific solutions. The source shows a mix of specialty insurance and reinsurance; map only the explicitly named healthcare coverages and preserve each program/package scope. Accessed 2026-09-29.
23
Workers compensation. Liberty Mutual Business Insurance; Independent source review opened September 28, 2026, lines 130–158 and 176–178: product page describes workers-compensation benefits, recovery/return-to-work services and claims resources; assigned-risk/voluntary market context and insurer caveat are separate. Do not treat the product page as uniform nationwide eligibility or a claim-performance study. Accessed 2026-09-28.
24
Liberty Mutual Business Insurance Review 2026: Big Company Dogged by Customer Complaints. NerdWallet; Updated June 3, 2026; commercial complaint analysis in the business-insurance review, lines 311–390 and 420–445. NerdWallet reports commercial-property complaints above expectations for market share and general-liability complaints far higher than expected for 2022–2024. This is secondary reporting; underlying counts and insurer-entity mapping were not independently recalculated. Accessed 2026-09-29.

Pie Insurance Official Website

25
Pie Insurance. Pie Insurance; Homepage: small-business audience; direct workers’ compensation quote; online account; footer entity, insurer and availability qualifications. Accessed 2026-09-15.
26
About Pie Insurance. Pie Insurance; About Pie; direct and agency distribution; footer legal disclosure. Accessed 2026-09-15.
27
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.
28
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.
29
Legal. Pie Insurance; State Licenses; footer disclosure naming producer and workers’ compensation versus third-party underwriting roles. Accessed 2026-09-15.
30
Pie Insurance — Quote. Pie Insurance; First step: Business ZIP Code. Accessed 2026-09-15.
31
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.
32
Cyber Insurance For Small Businesses. Pie Insurance; First- and third-party descriptions; carrier-partner quote invitation; policy-variation qualification. Accessed 2026-09-16.
33
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.
34
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.
35
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.
36
Agency Document Library. Pie Insurance; Workers’ Comp State Documents: 40 named states plus Washington, D.C. Accessed 2026-09-15.
37
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.
38
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.
39
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.
40
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.
41
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.
42
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.
43
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.
44
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.
45
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.
46
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.
47
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.
48
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.
49
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.

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AIG vs Pie Insurance
Compare AIG’s broader commercial insurer group with Pie’s direct and agency workers’ compensation route.
Alliance Risk vs Liberty Mutual
Compare Alliance Risk vs Liberty Mutual on roles, coverage, application, service and buyer questions.

All Comparisons

An Overview of Liberty Mutual and Pie Insurance

What Stands Out About Liberty Mutual and Pie Insurance?

Liberty Mutual at a Glance

Pie Insurance at a Glance

Liberty Mutual vs Pie Insurance Coverage Lines Compared

Liberty Mutual and Pie Insurance Coverage, Line by Line

Business Owner’s Policy

Cyber Insurance

General Liability Insurance

Professional Liability (E&O) Insurance

Workers’ Compensation Insurance

Liberty Mutual and Pie Insurance Reliability Scores

Liberty Mutual Reliability Scores

Pie Insurance Reliability Scores

Liberty Mutual and Pie Insurance Review Scores for 2026

Liberty Mutual Review Score

Pie Insurance Review Score

Key Differences Between Pie Insurance and Liberty Mutual

Business Roles and Access to Insurers

Buyer Fit and Documented Products

Quote, Application, and Ongoing Service

What Should You Confirm in Pie Insurance and Liberty Mutual Quotes?

Liberty Mutual vs Pie Insurance Services Compared

Provider Profiles for Liberty Mutual and Pie Insurance

What Is Liberty Mutual Business Insurance?

What Is Pie Insurance?

Sources for Liberty Mutual vs Pie Insurance

Liberty Mutual Official Website

Pie Insurance Official Website

Comparisons Related to Liberty Mutual vs Pie Insurance

AIG vs Liberty Mutual

AIG vs Pie Insurance

Alliance Risk vs Liberty Mutual

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