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

Pie focuses on payroll-based workers’ compensation; RiskCube brokers broader startup liability and customer-contract coverage.

An Overview of Pie Insurance and RiskCube

A startup adding employees may need workers’ compensation as well as D&O or technology liability for investors and customers. Pie focuses on workers’ compensation; RiskCube brokers broader startup lines. Choose Pie for the employee-injury policy and payroll process; choose RiskCube if the broader startup program needs a broker. Ask whether the two can coordinate your placements. ⁵ ³ ³⁰ ²⁹

What Stands Out About Pie Insurance and RiskCube?

Pie Insurance at a Glance

Start a workers’ compensation quote online or through an insurance agent. ^2,^1,³Company-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. ^17,¹⁸Company-reportedPie’s current workers’ compensation payment pages; actual availability and policy-specific charges need confirmation in the quote.

RiskCube at a Glance

Compare available quotes from multiple insurers through RiskCube. ^26,^29,^28,³⁰Company-reportedOfficial public RiskCube materials reviewed on September 16, 2026; company statements, not independent regulatory or policy verification.
Manage policies, certificates and renewal reminders on RiskCube’s platform. ^26,²⁹Company-reportedOfficial public RiskCube materials reviewed on September 16, 2026; company statements, not independent regulatory or policy verification.

Pie Insurance vs RiskCube Coverage Lines Compared

Coverage	Pie Insurance	RiskCube
Business owner’s policy	Listed ⁷Pie accepts business owner’s policy quote requests.	Not listed
Crime	Not listed	Listed ³⁰RiskCube arranges commercial crime insurance for startups.
Cyber liability	Listed ⁸Pie provides access to cyber insurance quotes from carrier partners.	Listed ³⁰RiskCube arranges cyber insurance for startups.
Directors and officers	Not listed	Listed ³⁰RiskCube arranges directors and officers liability insurance for startups.
Employment practices liability	Not listed	Listed ³⁰RiskCube arranges employment practices liability insurance for startups.
Fiduciary liability	Not listed	Listed ³⁰RiskCube arranges fiduciary liability insurance for startups.
General liability	Listed ¹⁰Pie arranges general liability insurance through unaffiliated third-party insurers.	Listed ³⁰RiskCube arranges general liability insurance for startups.
Generative AI liability	Not listed	Listed ³⁰RiskCube markets AI insurance for startups building AI products.
Key person	Not listed	Listed ³⁴RiskCube markets key person life insurance placement for startups.
Professional errors and omissions (E&O)	Listed ⁹Pie Insurance arranges professional errors and omissions insurance for small businesses through third-party insurers.	Not listed
Technology errors and omissions (E&O)	Not listed	Listed ³²RiskCube arranges technology errors and omissions insurance for startups.
Workers’ compensation	Listed ³Pie Insurance offers workers’ compensation insurance for small businesses.	Not listed

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.

Pie Insurance and RiskCube Coverage, Line by Line

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

Cyber Insurance
- Pie Insurance Cyber Insurance
- RiskCube Cyber Insurance
General Liability Insurance
- Pie Insurance General Liability Insurance
- RiskCube General Liability Insurance

Pie Insurance and RiskCube 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.

Pie Insurance Reliability Scores

Hybrid provider

Broker

5.3/ 10

Carrier & MGA

6.3/ 10

Provider assessment

RiskCube Reliability Scores

Broker

5.9/ 10

Provider assessment

Pie Insurance and RiskCube 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.

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

RiskCube Review Score

–/ 10

Review Score

No reviews found

RiskCube has no public customer reviews or ratings that we found, so there is no Review Score. That isn't a bad sign, just not enough to judge.

Read RiskCube reviews

Key Differences Between Pie Insurance and RiskCube

Payroll Underwriting and Technology Underwriting

Pie asks workers’ compensation applicants for business location, payroll and class-code information. RiskCube’s technology E&O guidance asks about products, customers, revenue and contracts. A startup cannot replace one set of answers with the other: employee duties and payroll need to be represented alongside the liabilities created by the product it sells. ³ ⁶ ³²

Pie provides both direct and agent routes. RiskCube’s published catalogue doesn’t list a workers’ compensation offering, but that doesn’t mean the broker can’t help. Ask whether the account will have a separate workers’ compensation producer and how the two service relationships will coordinate. ² ³⁰

Payroll-Based Payment Does Not Remove the Audit

Pie markets pay-as-you-go using reported payroll with no initial deposit. It also requires an annual audit reconciling estimated and actual payroll and may seek employee, expense and subcontractor records. A growing headcount therefore needs a reporting owner even when monthly billing follows payroll. Ask RiskCube whether it handles this Pie-specific payroll workflow. Its general policy and renewal tools don’t cover it. ¹⁸ ¹⁹ ²⁶

Compare payment costs separately from insurance limits. Pie discloses a card fee for specified new single-state policies and state-dependent waiver charges. RiskCube’s disclosed service and payment charges are a different category, and its fee-free marketing needs transaction-specific clarification. Neither set of public terms produces a comparable all-in premium for this startup. ¹⁷ ¹⁶ ²⁸ ²⁶

Do Not Extend the Workers’ Compensation Carrier to Other Lines

Pie identifies affiliated carriers for workers’ compensation, while its BOP, general liability and professional-liability offers use outside insurers and its cyber page refers to partners. Those pages do not identify the current issuer for each buyer. RiskCube likewise needs to name the insurer in its proposal. Combining these purchases under one brand doesn’t mean they share one claims department or policy form. Confirm each separately. ⁵ ⁸ ²⁹

Pie also says it stopped new and renewal commercial-auto issuance in 2026. Legacy auto claims information should not be treated as a current vehicle quote route. For a company adding delivery or field vehicles, obtain a separate placement answer instead of extrapolating from an old policy or help page. ¹⁴

What Should You Confirm in Pie Insurance and RiskCube Quotes?

Which employee duties, states and payroll reporting process does the workers’ compensation proposal accept? Pie’s public footprint counts are inconsistent, so use the current account-level quote. ¹¹ ¹³ ³
Who prepares the annual audit and obtains any customer-required waiver, with what charge? ¹⁹ ¹⁶
Who receives workplace-injury notice versus a technology-liability claim, and which insurer is responsible for each? ²⁰ ³¹
Which requested lines remain outside the workers’ compensation placement and need another broker or insurer? ⁵ ³⁰

Pie Insurance vs RiskCube Services Compared

What each provider documents about the services you may need

Criteria	Pie Insurance	RiskCube
Business role	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,^9,¹⁰Company-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. ^4,^24,²²VerifiedWebsite 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-reportedProducer identity and Pie-published US license list; Wisconsin’s regulator separately identifies this entity in a 2024 administrative action.	RiskCube helps startups compare insurance through a broker and platform; RiskCube Insurance Services, LLC arranges coverage, while third-party insurers issue policies. ^29,²⁸Company-reportedOfficial public RiskCube materials reviewed on September 16, 2026; company statements, not independent regulatory or policy verification.
Access to insurers	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,^23,²⁴VerifiedPie’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. ²²VerifiedPie 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 disclosedCurrent public BOP, cyber, general-liability and professional-liability/E&O pages; account-specific carrier access was not tested.	RiskCube says it compares multiple insurers, but does not identify the carrier for a specific California applicant; ask for the insurer and surplus-lines status. ^26,^29,^28,³⁰Company-reportedOfficial public RiskCube materials reviewed on September 16, 2026; company statements, not independent regulatory or policy verification.
Application process	Small businesses can start a workers’ compensation quote online or through an insurance agent; agencies use a separate partner portal. ^2,^1,³Company-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. ^6,³Company-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. ^3,¹Company-reportedWorkers’ compensation quote marketing; no timed independent quote test was performed.	RiskCube describes a digital intake followed by AI-assisted, broker-reviewed comparison and purchase, but the application reviewed showed only a contact form. ^26,³⁶Company-reportedOfficial public RiskCube materials reviewed on September 16, 2026; company statements, not independent regulatory or policy verification. Technology E&O applicants should prepare product, customer, revenue, contract, claims and incident details; RiskCube qualifies quote timing based on risk and underwriting complexity. ³²Company-reportedOfficial public RiskCube materials reviewed on September 16, 2026; company statements, not independent regulatory or policy verification. A quote is not coverage: RiskCube requires written confirmation from an insurer or authorized representative and satisfaction of binding conditions. ²⁹Company-reportedOfficial public RiskCube materials reviewed on September 16, 2026; company statements, not independent regulatory or policy verification.
Servicing and renewals	Pie policyholders can manage payments, download documents and request workers’ comp certificates online; custom certificates may require your agent. ^15,¹⁶Company-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. ¹⁹Company-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. ^16,²¹Company-reportedDifferent company-published consumer and agency descriptions of workers’ compensation renewal. Neither guarantees renewal or unchanged terms; the account notice determines the applicable process.	RiskCube says its platform supports policies, certificates and renewal notices; a certificate does not change policy coverage. ^26,²⁹Company-reportedOfficial public RiskCube materials reviewed on September 16, 2026; company statements, not independent regulatory or policy verification. RiskCube says it reviews vendor insurance requirements and requested endorsements, but warns AI-assisted output may be incomplete; verify each contract term yourself. ^31,²⁹Company-reportedOfficial public RiskCube materials reviewed on September 16, 2026; company statements, not independent regulatory or policy verification.
Fees and compensation	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-reportedPie’s current workers’ compensation payment pages; actual availability and policy-specific charges need confirmation in the quote. Include Pie’s 3% card fee in your quote comparison for eligible new single-state workers’ comp policies, except in Florida, Nebraska, Maryland and Rhode Island; the page does not specify multi-state or renewal fees. ¹⁷Company-reportedCredit-card payments for new single-state workers’ compensation policies under the current payment-options page. Ask the state-specific price before requesting a waiver of subrogation because Pie charges for each specific or blanket waiver but publishes no amount. ¹⁶Not publicly disclosedWorkers’ compensation waiver requests through Pie’s published service process. Ask your agent what commission applies because Pie says partner agents earn commissions on workers’ comp policies, but current pages publish no standard rate. ^21,⁵Not publicly disclosedAgency-distributed workers’ compensation and other third-party placements; expired promotional incentives were not treated as current standard compensation.	Get the total price and compensation in writing: RiskCube advertises no added broker fee but also allows service and processing fees, insurer/intermediary commissions and incentives. ^26,^31,²⁸Conflicting sourcesMarketing/legal disclosure tension; not a finding that any individual client has been charged an undisclosed fee. No specific commission rate or service fee schedule established.

Sources

37 documents, numbered as cited. Open the sources

Sources for Pie Insurance vs RiskCube

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.

RiskCube Official Website

26
Startup Business Insurance. RiskCube; Solution; Compare/Buy/Manage; Who we insure; footer. Accessed 2026-09-16.
27
Licenses & Disclosures. RiskCube; Property & Casualty Producer/Broker Licenses; February 11, 2026 version. Accessed 2026-09-16.
28
Disclosures & Compensation. RiskCube; Sections 1–5; February 11, 2026 version. Accessed 2026-09-16.
29
Terms of Service. RiskCube; Who We Are; sections 5, 9, 10 and 19; February 11, 2026 version. Accessed 2026-09-16.
30
Startup Insurance Coverage. RiskCube; All coverage types: product sales cards and Learn more routes; footer producer-role disclosure. Accessed 2026-09-16.
31
Startup Insurance FAQ. RiskCube; Getting Started; Industries & Eligibility; Certificates & Compliance; claim question. Accessed 2026-09-16.
32
Technology Errors and Omissions (E&O) Insurance. RiskCube; Technology E&O product and quote introduction; application FAQ; AI & enterprise risk FAQ on adding an excess policy for AI-related gaps. Accessed 2026-09-16.
33
Credit Insurance for Startups. RiskCube; Introduction; coverage exclusions; closing placement invitation. Accessed 2026-09-16.
34
Key Person Life Insurance for Startups. RiskCube; Key Person Life Insurance product introduction; quote-comparison invitation; timing FAQ; closing placement invitation. Accessed 2026-09-16.
35
Key Person Life Insurance Notice. RiskCube; Sections 2–6; June 23, 2026 version. Accessed 2026-09-16.
36
Contact RiskCube. RiskCube; Talk to a licensed insurance expert; Contact form (served at application URL). Accessed 2026-09-16.
37
Contact RiskCube. RiskCube; Contact form served at AI Insurance URL. Accessed 2026-09-16.

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