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

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. ^{2,5,3,7,8,9,10}Company-reported. Current 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. ^4,24,22Verified. Website 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. ^5,25Company-reported. Producer identity and Pie-published US license list; Wisconsin’s regulator separately identifies this entity in a 2024 administrative action.

AI and emerging-industry buyers can approach Relm for specialty insurance, but its Bermuda insurer and US distributor perform different roles. ^26,28,27Company-reported. Brand-level introduction; company descriptions, not an independent regulatory finding.

Check who will sell and issue your policy: Relm Insurance Ltd. is Bermuda regulated; Relm US Insurance Solutions Inc. is a US producer and MGA. The Bermuda insurer says it works only through licensed brokers. ^27,28Company-reported. Company legal disclosures and US launch announcement; authority and insurer vary by placement. No regulator license verification completed.

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. ^5,22,23,24Verified. Pie’s workers’ compensation program; the actual declarations page controls the issuing insurer for a specific policy and state.

Pie Casualty has an A- (Excellent) financial-strength rating with Stable outlook from AM Best, affirmed April 24, 2026; this is an insurer-strength opinion, not a guarantee your claim will be covered. ²²Verified. Pie Casualty Insurance Company and the consolidated Pie Insurance Group rating unit as identified in the disclosure report.

For Pie’s BOP, GL, professional liability or cyber, ask which insurer would issue the policy; Pie says outside partners underwrite these lines but its reviewed pages do not name current partners. ^5,7,8,9,10Not publicly disclosed. Current public BOP, cyber, general-liability and professional-liability/E&O pages; account-specific carrier access was not tested.

Ask which insurer is named on your policy; Relm’s announcement names Trisura as fronting carrier for certain US digital-asset risks, not all products or California AI coverage. ³⁵Company-reported. Historical company announcement inspected on research date; current product-specific contracting insurer must be obtained from quote/declarations.

Pie policyholders can manage payments, download documents and request workers’ comp certificates online; custom certificates may require your agent. ^15,16Company-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. ¹⁹Company-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. ^16,21Company-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.

Agree on certificates, endorsements, renewal timing and service contacts with your broker before binding; reviewed pages do not describe a customer portal or these turnaround times. ^36,38Not publicly disclosed. Public contact and website terms only; lack of described functions does not establish their absence.

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. ^17,18Company-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. ¹⁷Company-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. ¹⁶Not 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. ^21,5Not publicly disclosed. Agency-distributed workers’ compensation and other third-party placements; expired promotional incentives were not treated as current standard compensation.

Request premium, tax, broker fee and commission details in writing because reviewed Relm pages do not publish buyer-specific California costs. ^27,38,36Not publicly disclosed. No quote, producer agreement or remuneration schedule reviewed; no assertion of zero fees or of a particular compensation model.

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. ²⁰Company-reported. Published first-report process for Pie-serviced workers’ compensation claims; state notice rules and the issuing carrier’s policy still apply.

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. ^21,11,22Conflicting sources. Public allocation of workers’ compensation claim handling; the current handler for an individual policy should be taken from its state kit and claim instructions.

Relm says its claims concierge responds within 24 hours and names Crawford globally and KSW in the US; these are company descriptions, so confirm notice instructions and do not treat timing as independently verified. ^37,38Company-reported. Website service descriptions; no test claim, outcome data or confirmation that listed response providers apply to every product.