---
title: "Pie Insurance vs TechInsurance"
description: "Pie offers payroll-based workers’ compensation; TechInsurance compares small-business policies including technology E&O and cyber."
canonical: "https://thegeneralaverage.com/compare/pie-insurance-vs-techinsurance"
page-type: "provider-comparison"
updated-at: "2026-09-29"
comparison-pair: "pie-insurance-vs-techinsurance"
provider-a: "pie-insurance"
provider-b: "techinsurance"
---

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

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

## Agent Guide

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

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

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

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

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

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

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

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

Pie offers payroll-based workers’ compensation; TechInsurance compares small-business policies including technology E&O and cyber.

## Before You Quote

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

## Pie Insurance vs TechInsurance in Brief

Pie focuses on workers’ compensation with pay-as-you-go billing and audits; TechInsurance compares small-business policies, including technology E&O and cyber. [5](https://www.pieinsurance.com/legal "Legal") [3](https://www.pieinsurance.com/workers-comp "Workers’ Comp Insurance For Small Businesses") [27](https://www.techinsurance.com/about-us "About TechInsurance") [31](https://www.techinsurance.com/small-business-insurance "Small Business Insurance") [32](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions – Tech E&O Insurance")

## Pie Insurance and TechInsurance Reliability Scores

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

### Pie Insurance Reliability Scores

Role: Hybrid role.

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

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

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

### TechInsurance Reliability Scores

Role: Broker.

Broker Reliability Score: **5.0/10** (partial score; 30% of this role's weighting included). Assessed 2026-09-22; review due 2026-10-22. Excluded factors: Identity and Authority (Current authority and applicable appointments or delegations have not been independently established across the assessed scope.); Regulatory Conduct (A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable.); Disclosure Clarity (The available disclosures do not sufficiently establish the relevant entity, product and responsibility boundaries.).

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

## Pie Insurance Review Scores for 2026

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

Pie’s service record raises clear concerns: elevated regulator complaints reported by NerdWallet, 1.7/5 on Trustpilot and an F from BBB. Investigate billing, cancellation and complaint handling before buying.

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

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

## TechInsurance Review Scores for 2026

Review Score: 9.1 / 10 from 2 rated sources, equally weighted.

TechInsurance’s available ratings are favorable, with praise for broker guidance. The feedback supports its shopping service more than any particular insurer’s claims handling.

- Trustpilot: Trustpilot TrustScore 4.4 (5 stars); 311 reviews. Self-selected consumer aggregate; product and business/personal scope may be mixed. Period: accessed 2026-09-25. Checked 2026-09-25. [Trustpilot result for TechInsurance](https://uk.trustpilot.com/review/techinsurance.com)
- ConsumerAffairs: ConsumerAffairs consumer rating 4.7 (5 stars); 25 reviews. Self-selected consumer aggregate; product and business/personal scope may be mixed. Period: updated 2026-08-14; accessed 2026-09-25. Checked 2026-09-25. [ConsumerAffairs result for TechInsurance](https://www.consumeraffairs.com/insurance/techinsurance.html)

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

## An Overview of Pie Insurance and TechInsurance

If your payroll changes quickly, compare the workers’ compensation payment schedule and year-end audit alongside any other needed policies. Pie focuses on workers’ compensation and payroll billing; TechInsurance offers quote comparison for a broader small-business program, including technology E&O. Choose Pie for its workers’ compensation process; choose TechInsurance if you need quotes for several lines. [3](https://www.pieinsurance.com/workers-comp "Workers’ Comp Insurance For Small Businesses") [18](https://www.pieinsurance.com/pay-as-you-go "Pay-As-You-Go With Pie Insurance") [31](https://www.techinsurance.com/small-business-insurance "Small Business Insurance")

## What Stands Out About Pie Insurance and TechInsurance?

### Pie Insurance at a Glance

- Start a workers’ compensation quote online or through an insurance agent. [2](https://www.pieinsurance.com/about "About Pie Insurance") [1](https://www.pieinsurance.com/ "Pie Insurance") [3](https://www.pieinsurance.com/workers-comp "Workers’ Comp Insurance For Small Businesses") (Evidence: Company-reported; scope: Workers’ compensation access for small businesses and agencies; other product pages direct buyers to quote or contact flows but do not document the same process.; verified: 2026-09-15.)
- Pay workers’ compensation premiums based on reported payroll, with no initial deposit. [17](https://www.pieinsurance.com/payment-options "Payment Options") [18](https://www.pieinsurance.com/pay-as-you-go "Pay-As-You-Go With Pie Insurance") (Evidence: Company-reported; scope: Pie’s current workers’ compensation payment pages; actual availability and policy-specific charges need confirmation in the quote.; verified: 2026-09-15.)

### TechInsurance at a Glance

- Submit one application to compare multiple insurance quotes. [27](https://www.techinsurance.com/about-us "About TechInsurance") (Evidence: Company-reported; scope: Public application description; no application submitted or quote obtained.; verified: 2026-09-16.)
- TechInsurance markets technology E&O and cyber coverage together. [32](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions – Tech E&O Insurance") (Evidence: Company-reported; scope: Direct technology E&O product page with quotation route; marketing description does not establish every carrier’s policy structure.; verified: 2026-09-16.)

## Pie Insurance vs TechInsurance Coverage Lines Compared

| Coverage Type | Pie Insurance | TechInsurance |
| --- | --- | --- |
| [Business owner’s policy](https://thegeneralaverage.com/coverage/business-owners-policy) | Listed: Pie accepts business owner’s policy quote requests. [7](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner’s Policy") | Listed: TechInsurance arranges business owner’s policies for small businesses. [31](https://www.techinsurance.com/small-business-insurance "Small Business Insurance") |
| [Commercial auto](https://thegeneralaverage.com/coverage/commercial-auto) | Not listed | Listed: TechInsurance arranges commercial auto insurance for small businesses. [26](https://www.techinsurance.com/ "Technology Business Insurance") |
| [Commercial property](https://thegeneralaverage.com/coverage/commercial-property) | Not listed | Listed: TechInsurance arranges commercial property insurance for small businesses. [31](https://www.techinsurance.com/small-business-insurance "Small Business Insurance") |
| [Cyber liability](https://thegeneralaverage.com/coverage/cyber) | Listed: Pie provides access to cyber insurance quotes from carrier partners. [8](https://www.pieinsurance.com/small-business-insurance/cyber-insurance "Cyber Insurance For Small Businesses") | Listed: TechInsurance arranges cyber insurance for small businesses. [31](https://www.techinsurance.com/small-business-insurance "Small Business Insurance") |
| [Directors and officers](https://thegeneralaverage.com/coverage/directors-officers) | Not listed | Listed: TechInsurance arranges directors and officers liability insurance for small businesses. [31](https://www.techinsurance.com/small-business-insurance "Small Business Insurance") |
| [Employment practices liability](https://thegeneralaverage.com/coverage/employment-practices) | Not listed | Listed: TechInsurance arranges employment practices liability insurance for small businesses. [31](https://www.techinsurance.com/small-business-insurance "Small Business Insurance") |
| [Fidelity bonds](https://thegeneralaverage.com/coverage/fidelity-bonds) | Not listed | Listed: TechInsurance arranges fidelity bonds addressing employee theft from clients. [31](https://www.techinsurance.com/small-business-insurance "Small Business Insurance") |
| [General liability](https://thegeneralaverage.com/coverage/general-liability) | Listed: Pie arranges general liability insurance through unaffiliated third-party insurers. [10](https://www.pieinsurance.com/small-business-insurance/general-liability "General Liability Insurance") | Listed: TechInsurance arranges general liability insurance for small businesses. [31](https://www.techinsurance.com/small-business-insurance "Small Business Insurance") |
| [Professional errors and omissions (E&O)](https://thegeneralaverage.com/coverage/professional-errors-omissions) | Listed: Pie Insurance arranges professional errors and omissions insurance for small businesses through third-party insurers. [9](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors And Omissions Insurance") | Listed: TechInsurance arranges professional errors and omissions insurance for small businesses. [31](https://www.techinsurance.com/small-business-insurance "Small Business Insurance") |
| [Surety bonds](https://thegeneralaverage.com/coverage/surety-bonds) | Not listed | Listed: TechInsurance arranges surety bonds for small businesses. [28](https://www.techinsurance.com/contact-us "Contact Us") |
| [Technology errors and omissions (E&O)](https://thegeneralaverage.com/coverage/technology-errors-omissions) | Not listed | Listed: TechInsurance arranges technology errors and omissions and cyber coverage for technology businesses. [32](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions – Tech E&O Insurance") |
| [Tools, equipment and inland marine](https://thegeneralaverage.com/coverage/inland-marine) | Not listed | Listed: TechInsurance arranges inland marine coverage for contractors’ tools and equipment. [33](https://www.techinsurance.com/about-us/business-insurance-partners "Our Insurance Partners") |
| [Umbrella and excess liability](https://thegeneralaverage.com/coverage/umbrella-excess) | Not listed | Listed: TechInsurance arranges commercial umbrella insurance for small businesses. [31](https://www.techinsurance.com/small-business-insurance "Small Business Insurance") |
| [Workers’ compensation](https://thegeneralaverage.com/coverage/workers-compensation) | Listed: Pie Insurance offers workers’ compensation insurance for small businesses. [3](https://www.pieinsurance.com/workers-comp "Workers’ Comp Insurance For Small Businesses") | Listed: TechInsurance arranges workers’ compensation insurance for small businesses. [31](https://www.techinsurance.com/small-business-insurance "Small Business Insurance") |

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 TechInsurance Coverage, Line by Line

- [Pie Insurance Business Owner’s Policy](https://thegeneralaverage.com/insurance-providers/pie-insurance/business-owners-policy)
- [TechInsurance Business Owner’s Policy](https://thegeneralaverage.com/insurance-providers/techinsurance/business-owners-policy)
- [Pie Insurance Cyber Insurance](https://thegeneralaverage.com/insurance-providers/pie-insurance/cyber)
- [TechInsurance Cyber Insurance](https://thegeneralaverage.com/insurance-providers/techinsurance/cyber)
- [Pie Insurance General Liability Insurance](https://thegeneralaverage.com/insurance-providers/pie-insurance/general-liability)
- [TechInsurance General Liability Insurance](https://thegeneralaverage.com/insurance-providers/techinsurance/general-liability)
- [Pie Insurance Professional Liability (E&O) Insurance](https://thegeneralaverage.com/insurance-providers/pie-insurance/professional-errors-omissions)
- [TechInsurance Professional Liability (E&O) Insurance](https://thegeneralaverage.com/insurance-providers/techinsurance/professional-errors-omissions)
- [Pie Insurance Workers’ Compensation Insurance](https://thegeneralaverage.com/insurance-providers/pie-insurance/workers-compensation)
- [TechInsurance Workers’ Compensation Insurance](https://thegeneralaverage.com/insurance-providers/techinsurance/workers-compensation)

## Optional Spot Service Handoff

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

## Key Differences Between Pie Insurance and TechInsurance

### Payroll-Based Payments Still Need an Audit Plan

Pie describes pay-as-you-go payments based on reported payroll and no initial deposit. It separately requires an annual premium audit, with payroll, employee and subcontractor documentation potentially requested. A payment method tied to payroll should not be interpreted as eliminating reconciliation or the possibility that final premium differs. [18](https://www.pieinsurance.com/pay-as-you-go "Pay-As-You-Go With Pie Insurance") [19](https://www.pieinsurance.com/workers-comp/premium-audit "Your Workers’ Comp Premium Audit")

TechInsurance’s workers’ compensation offering spans multiple insurers, each with its own payment and audit arrangement. Don’t assume they all work the same way. Ask its broker to obtain the proposed carrier’s payroll-reporting requirements and compare them with Pie’s offer. The administrative burden depends on the actual payroll integration, employee classifications and record requests, not simply the intermediary’s name. [31](https://www.techinsurance.com/small-business-insurance "Small Business Insurance") [33](https://www.techinsurance.com/about-us/business-insurance-partners "Our Insurance Partners")

### Workers’ Compensation Paper and Other Coverage Are Distinct

Pie’s group carriers write its workers’ compensation, while its other marketed products use outside carrier partners. TechInsurance arranges coverage with insurance partners rather than identifying one insurer for all lines. A combined shopping exercise therefore still needs a policy-by-policy issuer and service map. [5](https://www.pieinsurance.com/legal "Legal") [22](https://ratings.ambest.com/DisclosurePDF.aspx?AMBNum=12272&PCA=0 "AM Best Rating Disclosure Report — Pie Casualty Insurance Company") [33](https://www.techinsurance.com/about-us/business-insurance-partners "Our Insurance Partners")

A software company may also need technology E&O/cyber, which TechInsurance explicitly markets. Pie markets professional liability and cyber through partners, but ask whether a particular technology-services risk qualifies and receives the same combined wording. Ask for the actual proposed coverage rather than equating the product names. [9](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors And Omissions Insurance") [8](https://www.pieinsurance.com/small-business-insurance/cyber-insurance "Cyber Insurance For Small Businesses") [32](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions – Tech E&O Insurance")

### Multi-State Hiring Requires Current Confirmation

Pie’s public state counts and claims-handler descriptions are not fully consistent in the shared research. For employees in more than one state, obtain a current schedule and claim instructions for each jurisdiction. Confirm separately whether TechInsurance’s California sales route accepts every employee location or class you need. [11](https://www.pieinsurance.com/agency/states-we-serve "Workers’ Comp Coverage By State") [21](https://www.pieinsurance.com/agency/faq "Partner FAQ") [12](https://www.pieinsurance.com/agency/document-library "Agency Document Library") [30](https://www.techinsurance.com/small-business-insurance/states/california "Small Business Insurance in California")

Pie’s published payment choices and card fees are workers’ compensation-specific. TechInsurance’s SPG disclosure concerns possible brokerage compensation. Compare both on a complete policy invoice with billing costs and commissions distinguished; neither a low deposit nor a free quote is the total annual expense. [17](https://www.pieinsurance.com/payment-options "Payment Options") [21](https://www.pieinsurance.com/agency/faq "Partner FAQ") [35](https://www.specialtyprogramgroup.com/compensation-disclosure/ "Compensation Disclosure")

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

- Ask which payroll system, class codes and state allocations are accepted, and who gathers the year-end audit evidence. [19](https://www.pieinsurance.com/workers-comp/premium-audit "Your Workers’ Comp Premium Audit") [33](https://www.techinsurance.com/about-us/business-insurance-partners "Our Insurance Partners")
- Identify the workers’ compensation insurer and claim handler separately from any partner-issued E&O or cyber policy. [5](https://www.pieinsurance.com/legal "Legal") [21](https://www.pieinsurance.com/agency/faq "Partner FAQ") [32](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions – Tech E&O Insurance")
- Request total payments, deposits, transaction charges and any waiver-of-subrogation costs on the same payroll assumptions. [17](https://www.pieinsurance.com/payment-options "Payment Options") [16](https://www.pieinsurance.com/workers-comp/resources/frequently-asked-questions "Workers’ Comp FAQs") [35](https://www.specialtyprogramgroup.com/compensation-disclosure/ "Compensation Disclosure")

## Pie Insurance vs TechInsurance Services Compared

What each provider documents about the services you may need.

| Criteria | Pie Insurance | TechInsurance |
| --- | --- | --- |
| 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](https://www.pieinsurance.com/about "About Pie Insurance") [5](https://www.pieinsurance.com/legal "Legal") [3](https://www.pieinsurance.com/workers-comp "Workers’ Comp Insurance For Small Businesses") [7](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner’s Policy") [8](https://www.pieinsurance.com/small-business-insurance/cyber-insurance "Cyber Insurance For Small Businesses") [9](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors And Omissions Insurance") [10](https://www.pieinsurance.com/small-business-insurance/general-liability "General Liability Insurance") (Evidence: Company-reported; scope: 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.; verified: 2026-09-15.)<br><br>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](https://www.pieinsurance.com/legal/terms-of-use "Terms Of Use") [24](https://insurance.illinois.gov/applications/RegEntPortal/ViewEntityDetails.aspx?en=982281&s=Active&t=INS "Pie Casualty Insurance Company — Entity Details") [22](https://ratings.ambest.com/DisclosurePDF.aspx?AMBNum=12272&PCA=0 "AM Best Rating Disclosure Report — Pie Casualty Insurance Company") (Evidence: Verified; scope: Website ownership and the parent shown for Pie Casualty Insurance Company; no claim about voting control or every intermediate subsidiary.; verified: 2026-09-15.)<br><br>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](https://www.pieinsurance.com/legal "Legal") [25](https://oci.wi.gov/Pages/PressReleases/AdminActions202401.aspx "Administrative Actions — January 2024") (Evidence: Company-reported; scope: Producer identity and Pie-published US license list; Wisconsin’s regulator separately identifies this entity in a 2024 administrative action.; verified: 2026-09-15.) | Small businesses can use TechInsurance to compare quotes and work with agents; it operates as an agency and brokerage. Its legal disclosure identifies it as a division of Specialty Program Group LLC, doing business in California as SPG Insurance Solutions. [28](https://www.techinsurance.com/contact-us "Contact Us") [34](https://www.techinsurance.com/legal/compensation-disclosure "Compensation Disclosure Notice") [35](https://www.specialtyprogramgroup.com/compensation-disclosure/ "Compensation Disclosure") (Evidence: Company-reported; scope: Brand and disclosed producer entity; company sources, not independent regulatory verification.; verified: 2026-09-16.)<br><br>TechInsurance describes itself as part of Insureon and HUB International. Its history says HUB acquired Insureon’s digital agency in 2022 while Bold Penguin acquired the technology platform; HUB’s acquisition announcement placed the agency operations within Specialty Program Group. [27](https://www.techinsurance.com/about-us "About TechInsurance") [28](https://www.techinsurance.com/contact-us "Contact Us") [37](https://www.hubinternational.com/en-CA/media-center/press-releases/2022/03/hub-international-and-bold-penguin-to-acquire-insureon/ "Hub International and Bold Penguin to Acquire Insureon") (Evidence: Company-reported; scope: Current company relationship descriptions plus historical acquisition announcement; does not make HUB or Bold Penguin the policy insurer.; verified: 2026-09-16.) |
| 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](https://www.pieinsurance.com/legal "Legal") [22](https://ratings.ambest.com/DisclosurePDF.aspx?AMBNum=12272&PCA=0 "AM Best Rating Disclosure Report — Pie Casualty Insurance Company") [23](https://insurance.mo.gov/find-insurance-company/company-details?id=104347111 "The Pie Insurance Company — Company Details") [24](https://insurance.illinois.gov/applications/RegEntPortal/ViewEntityDetails.aspx?en=982281&s=Active&t=INS "Pie Casualty Insurance Company — Entity Details") (Evidence: Verified; scope: Pie’s workers’ compensation program; the actual declarations page controls the issuing insurer for a specific policy and state.; verified: 2026-09-15.)<br><br>Pie Casualty has an A- (Excellent) financial-strength rating with Stable outlook from AM Best, affirmed April 24, 2026; this is an insurer-strength opinion, not a guarantee your claim will be covered. [22](https://ratings.ambest.com/DisclosurePDF.aspx?AMBNum=12272&PCA=0 "AM Best Rating Disclosure Report — Pie Casualty Insurance Company") (Evidence: Verified; scope: Pie Casualty Insurance Company and the consolidated Pie Insurance Group rating unit as identified in the disclosure report.; verified: 2026-09-15.)<br><br>For Pie’s BOP, GL, professional liability or cyber, ask which insurer would issue the policy; Pie says outside partners underwrite these lines but its reviewed pages do not name current partners. [5](https://www.pieinsurance.com/legal "Legal") [7](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner’s Policy") [8](https://www.pieinsurance.com/small-business-insurance/cyber-insurance "Cyber Insurance For Small Businesses") [9](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors And Omissions Insurance") [10](https://www.pieinsurance.com/small-business-insurance/general-liability "General Liability Insurance") (Evidence: Not publicly disclosed; scope: Current public BOP, cyber, general-liability and professional-liability/E&O pages; account-specific carrier access was not tested.; verified: 2026-09-15.) | TechInsurance names insurance partners including The Hartford, Hiscox, Chubb and Travelers. These are examples of marketed relationships, not the identified contracting insurer for a quote; ask for the exact issuing entity and its California placement route. [33](https://www.techinsurance.com/about-us/business-insurance-partners "Our Insurance Partners") (Evidence: Company-reported; scope: Partner names are commercial brands; no policy declarations or product-specific insurer allocation inspected.; verified: 2026-09-16.) |
| Availability | Confirm all work locations and class codes before relying on Pie workers’ comp: sources conflict between availability in 40 states plus DC and 39 states plus DC. [11](https://www.pieinsurance.com/agency/states-we-serve "Workers’ Comp Coverage By State") [12](https://www.pieinsurance.com/agency/document-library "Agency Document Library") [1](https://www.pieinsurance.com/ "Pie Insurance") [13](https://www.pieinsurance.com/resource-center/press/2025-year-in-review "Pie Insurance Reports Strong 2025") [22](https://ratings.ambest.com/DisclosurePDF.aspx?AMBNum=12272&PCA=0 "AM Best Rating Disclosure Report — Pie Casualty Insurance Company") (Evidence: Conflicting sources; scope: Public workers’ compensation footprint as of 15 September 2026; the state-page selector, document library and other marketing surfaces were not internally consistent.; verified: 2026-09-15.)<br><br>Ask if Pie’s partner-issued BOP, cyber, GL or professional policy is available in your state; the reviewed pages give no product-state map and Pie’s terms limit availability. [7](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner’s Policy") [8](https://www.pieinsurance.com/small-business-insurance/cyber-insurance "Cyber Insurance For Small Businesses") [10](https://www.pieinsurance.com/small-business-insurance/general-liability "General Liability Insurance") [9](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors And Omissions Insurance") [4](https://www.pieinsurance.com/legal/terms-of-use "Terms Of Use") (Evidence: Not publicly disclosed; scope: Public availability for Pie’s partner-carrier products; no quote or contact form was submitted.; verified: 2026-09-15.) | TechInsurance’s California sales page offers an application and quote-comparison route for general liability, professional E&O, business owner’s policies, workers’ compensation, cyber, commercial auto, fidelity bonds and umbrella coverage. This establishes a marketed California route, not acceptance of a particular startup or availability of every listed product. [30](https://www.techinsurance.com/small-business-insurance/states/california "Small Business Insurance in California") (Evidence: Company-reported; scope: California-specific sales page with product quote controls; no live placement or underwriting acceptance tested.; verified: 2026-09-16.)<br><br>TechInsurance reports licensing in all 50 states and Washington, D.C., and lists California license 0L09546. Current regulator status, authority and appointments were not independently verified for this profile. [29](https://www.techinsurance.com/legal/licenses "Insurance Licensing") (Evidence: Company-reported; scope: Company license disclosure only; do not label regulator verified.; verified: 2026-09-16.) |
| Servicing and renewals | Pie policyholders can manage payments, download documents and request workers’ comp certificates online; custom certificates may require your agent. [15](https://www.pieinsurance.com/resource-center/online-account-tutorial "Online Account Tutorial") [16](https://www.pieinsurance.com/workers-comp/resources/frequently-asked-questions "Workers’ Comp FAQs") (Evidence: Company-reported; scope: Published workers’ compensation account tutorial; authenticated features were not accessed or independently tested.; verified: 2026-09-15.)<br><br>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. [19](https://www.pieinsurance.com/workers-comp/premium-audit "Your Workers’ Comp Premium Audit") (Evidence: Company-reported; scope: Pie workers’ compensation premium audit process; the page does not quantify any resulting additional charge or refund.; verified: 2026-09-15.)<br><br>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](https://www.pieinsurance.com/workers-comp/resources/frequently-asked-questions "Workers’ Comp FAQs") [21](https://www.pieinsurance.com/agency/faq "Partner FAQ") (Evidence: Company-reported; scope: Different company-published consumer and agency descriptions of workers’ compensation renewal. Neither guarantees renewal or unchanged terms; the account notice determines the applicable process.; verified: 2026-09-29.) | TechInsurance says it provides a dedicated account manager and online certificate access. Its instructions require an active policy for a certificate request and direct urgent requests to the account manager. [26](https://www.techinsurance.com/ "Technology Business Insurance") [28](https://www.techinsurance.com/contact-us "Contact Us") (Evidence: Company-reported; scope: Documented service description, not tested service speed or quality.; verified: 2026-09-16.)<br><br>The reviewed About and Contact pages do not establish a renewal remarketing schedule, a contractual response-time commitment, or the scope of dedicated support for a complex growth-stage insurance program. [27](https://www.techinsurance.com/about-us "About TechInsurance") [28](https://www.techinsurance.com/contact-us "Contact Us") (Evidence: Not publicly disclosed; scope: Scoped public-information gap; does not establish that these services are unavailable.; verified: 2026-09-16.) |
| 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](https://www.pieinsurance.com/payment-options "Payment Options") [18](https://www.pieinsurance.com/pay-as-you-go "Pay-As-You-Go With Pie Insurance") (Evidence: Company-reported; scope: Pie’s current workers’ compensation payment pages; actual availability and policy-specific charges need confirmation in the quote.; verified: 2026-09-15.)<br><br>Include Pie’s 3% card fee in your quote comparison for eligible new single-state workers’ comp policies, except in Florida, Nebraska, Maryland and Rhode Island; the page does not specify multi-state or renewal fees. [17](https://www.pieinsurance.com/payment-options "Payment Options") (Evidence: Company-reported; scope: Credit-card payments for new single-state workers’ compensation policies under the current payment-options page.; verified: 2026-09-15.)<br><br>Ask the state-specific price before requesting a waiver of subrogation because Pie charges for each specific or blanket waiver but publishes no amount. [16](https://www.pieinsurance.com/workers-comp/resources/frequently-asked-questions "Workers’ Comp FAQs") (Evidence: Not publicly disclosed; scope: Workers’ compensation waiver requests through Pie’s published service process.; verified: 2026-09-15.)<br><br>Ask your agent what commission applies because Pie says partner agents earn commissions on workers’ comp policies, but current pages publish no standard rate. [21](https://www.pieinsurance.com/agency/faq "Partner FAQ") [5](https://www.pieinsurance.com/legal "Legal") (Evidence: Not publicly disclosed; scope: Agency-distributed workers’ compensation and other third-party placements; expired promotional incentives were not treated as current standard compensation.; verified: 2026-09-15.) | TechInsurance directs buyers to SPG’s compensation disclosure, which describes insurer commissions, contingent and supplemental payments, and possible negotiated client fees. Some placements may involve both commission and client-paid fees; quote-specific amounts are not disclosed there. [34](https://www.techinsurance.com/legal/compensation-disclosure "Compensation Disclosure Notice") [35](https://www.specialtyprogramgroup.com/compensation-disclosure/ "Compensation Disclosure") (Evidence: Company-reported; scope: Group disclosure expressly linked by TechInsurance; does not establish fees charged on a particular placement.; verified: 2026-09-16.)<br><br>SPG discloses that strategic insurers may pay enhanced compensation and that some of it may incentivize employees to prioritize those insurers’ products. Ask which markets were approached and how the placement is compensated. [35](https://www.specialtyprogramgroup.com/compensation-disclosure/ "Compensation Disclosure") (Evidence: Company-reported; scope: Group compensation policy linked by TechInsurance; no finding of unsuitable placement or actual employee incentives on a given account.; verified: 2026-09-16.) |

## Provider Profiles for Pie Insurance and TechInsurance

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

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## Sources for Pie Insurance vs TechInsurance

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

1. [Pie Insurance](https://www.pieinsurance.com/). Pie Insurance; Homepage: small-business audience; direct workers’ compensation quote; online account; footer entity, insurer and availability qualifications. Accessed 2026-09-15.
2. [About Pie Insurance](https://www.pieinsurance.com/about). Pie Insurance; About Pie; direct and agency distribution; footer legal disclosure. Accessed 2026-09-15.
3. [Workers’ Comp Insurance For Small Businesses](https://www.pieinsurance.com/workers-comp). Pie Insurance; Get a workers’ compensation quote online; insurance made for your small business; quote inputs; coverage description; quote-time and savings qualifications; AM Best link. Accessed 2026-09-16.
4. [Terms Of Use](https://www.pieinsurance.com/legal/terms-of-use). Pie Insurance; Updated 26 April 2022; Ownership and Agreement to Terms; geographic and product eligibility; policy controls coverage. Accessed 2026-09-15.
5. [Legal](https://www.pieinsurance.com/legal). Pie Insurance; State Licenses; footer disclosure naming producer and workers’ compensation versus third-party underwriting roles. Accessed 2026-09-15.
6. [Pie Insurance — Quote](https://quote.pieinsurance.com/). Pie Insurance; First step: Business ZIP Code. Accessed 2026-09-15.
7. [Business Owner’s Policy](https://www.pieinsurance.com/small-business-insurance/business-owners-policy). Pie Insurance; BOP definition; typical components; Make sure you’re covered: Start your BOP quote; footer third-party insurer qualification. Accessed 2026-09-16.
8. [Cyber Insurance For Small Businesses](https://www.pieinsurance.com/small-business-insurance/cyber-insurance). Pie Insurance; First- and third-party descriptions; carrier-partner quote invitation; policy-variation qualification. Accessed 2026-09-16.
9. [Errors And Omissions Insurance](https://www.pieinsurance.com/errors-and-omissions-insurance). Pie Insurance; Errors and Omissions Insurance hero (E&O and professional liability equivalence); typical claims; Make sure you’re covered: insurance carrier partners, Start now; footer third-party professional liability insurers. Accessed 2026-09-16.
10. [General Liability Insurance](https://www.pieinsurance.com/small-business-insurance/general-liability). Pie Insurance; Typical covered categories; Make sure you are covered: carrier-partner quote invitation; legal footer: third-party insurers not affiliated with Pie. Accessed 2026-09-16.
11. [Workers’ Comp Coverage By State](https://www.pieinsurance.com/agency/states-we-serve). Pie Insurance; Headline says 40 states and the District of Columbia; rendered state selector listed 39 state names and omitted New York and D.C. Accessed 2026-09-15.
12. [Agency Document Library](https://www.pieinsurance.com/agency/document-library). Pie Insurance; Workers’ Comp State Documents: 40 named states plus Washington, D.C. Accessed 2026-09-15.
13. [Pie Insurance Reports Strong 2025](https://www.pieinsurance.com/resource-center/press/2025-year-in-review). Pie Insurance; 13 January 2026 release; Key 2025 Milestones says 39 states plus Washington, D.C.; company and distribution description. Accessed 2026-09-15.
14. [Commercial Auto Claim FAQs](https://www.pieinsurance.com/claims/comm-auto-faq). Pie Insurance; Does Pie offer commercial auto insurance?; submission cutoff 1 December 2025; no new or renewal policies on or after 1 January 2026; legacy claim guidance. Accessed 2026-09-15.
15. [Online Account Tutorial](https://www.pieinsurance.com/resource-center/online-account-tutorial). Pie Insurance; Payment-method updates; instant and custom certificates; policy information; document access; agent-handled custom certificate qualification. Accessed 2026-09-15.
16. [Workers’ Comp FAQs](https://www.pieinsurance.com/workers-comp/resources/frequently-asked-questions). Pie Insurance; Certificates; specific and blanket waiver requests, two-business-day response and state-dependent charge; Billing & Payments; Policy Renewal / When will I know it’s time to renew my policy? (approximately 30 days before expiry, quote for review and acceptance); Annual Audit; Claims. Accessed 2026-09-29.
17. [Payment Options](https://www.pieinsurance.com/payment-options). Pie Insurance; Annual, semi-annual, quarterly, monthly and pay-as-you-go schedules; payment methods; 3% card fee and state exceptions. Accessed 2026-09-15.
18. [Pay-As-You-Go With Pie Insurance](https://www.pieinsurance.com/pay-as-you-go). Pie Insurance; No initial deposit; actual-payroll monthly premium; automatic deductions; payroll-provider coordination. Accessed 2026-09-15.
19. [Your Workers’ Comp Premium Audit](https://www.pieinsurance.com/workers-comp/premium-audit). Pie Insurance; Required annual audit; estimated versus actual payroll; audit partner; requested payroll, employee, cash-expense and subcontractor certificate records. Accessed 2026-09-15.
20. [File Your Claim Within 24 Hours](https://www.pieinsurance.com/claims). Pie Insurance; Workers’ compensation reporting by online form, 24/7 phone or email; information requested; post-report coverage determination. Accessed 2026-09-15.
21. [Partner FAQ](https://www.pieinsurance.com/agency/faq). Pie Insurance; How does Pie handle claims? (workers’ compensation in 34 states; CorVel in Alaska, Mississippi, Nevada, New Mexico and Oregon); How does Pie pay commissions? (new and renewing policies, earned premium); How does Pie handle renewals? (30-day preview: under $20,000 to insured with agency copied, over $20,000 to producer; unless otherwise notified, deposit draft and renewal issuance five days before effective date; exact $20,000 case unstated); Renewal Billing. Accessed 2026-09-29.
22. [AM Best Rating Disclosure Report — Pie Casualty Insurance Company](https://ratings.ambest.com/DisclosurePDF.aspx?AMBNum=12272&PCA=0). AM Best Rating Services, Inc.; Page 1: A- (Excellent), Stable, affirmed 24 April 2026; page 14: rating unit, group insurer acquisitions, 100% workers’ compensation writing through PCIC and TPIC from 1 January 2024, 40 states and D.C. Accessed 2026-09-15.
23. [The Pie Insurance Company — Company Details](https://insurance.mo.gov/find-insurance-company/company-details?id=104347111). Missouri Department of Commerce and Insurance; Company name; active license status; NAIC 21857; property-and-casualty authority; 2025 workers’ compensation market data. Accessed 2026-09-15.
24. [Pie Casualty Insurance Company — Entity Details](https://insurance.illinois.gov/applications/RegEntPortal/ViewEntityDetails.aspx?en=982281&s=Active&t=INS). Illinois Department of Insurance; Legal name; P&C Domestic Stock; active status; NAIC 10997; Pie Group Holdings, Inc. parent. Accessed 2026-09-15.
25. [Administrative Actions — January 2024](https://oci.wi.gov/Pages/PressReleases/AdminActions202401.aspx). Wisconsin Office of the Commissioner of Insurance; Allegations and Actions Against Companies: Pie Insurance Services, Inc. agreed to add a disclaimer to its “save up to 30%” advertising claim after misleading-advertising allegations. Accessed 2026-09-15.

### [TechInsurance Official Website](https://www.techinsurance.com/)

26. [Technology Business Insurance](https://www.techinsurance.com/). TechInsurance; Top business insurance policies (including the Commercial auto insurance card); proof of insurance and expert advice; footer. Accessed 2026-09-16.
27. [About TechInsurance](https://www.techinsurance.com/about-us). TechInsurance; Opening description; one-application process; History of TechInsurance, 2011 and 2022 entries. Accessed 2026-09-16.
28. [Contact Us](https://www.techinsurance.com/contact-us). TechInsurance; FAQs: How does TechInsurance work? (agent assistance obtaining surety bonds); agent or broker role; application; finding quotes; updating address; certificates. Accessed 2026-09-16.
29. [Insurance Licensing](https://www.techinsurance.com/legal/licenses). TechInsurance; Where we are licensed; California entry; footer legal entity. Accessed 2026-09-16.
30. [Small Business Insurance in California](https://www.techinsurance.com/small-business-insurance/states/california). TechInsurance; Find California business insurance in three easy steps; recommended policies and Get Quotes controls. Accessed 2026-09-16.
31. [Small Business Insurance](https://www.techinsurance.com/small-business-insurance). TechInsurance; Top recommended small business insurance policies; Specialized coverage for unique risks. Accessed 2026-09-16.
32. [Technology Errors and Omissions – Tech E&O Insurance](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage). TechInsurance; Tech E&O insurance includes two policies; quotation form; Technology professionals we insure. Accessed 2026-09-16.
33. [Our Insurance Partners](https://www.techinsurance.com/about-us/business-insurance-partners). TechInsurance; Named provider sections; More key policies our dedicated providers offer (including Contractor’s tools and equipment insurance); Professions we insure. Accessed 2026-09-16.
34. [Compensation Disclosure Notice](https://www.techinsurance.com/legal/compensation-disclosure). TechInsurance; TechInsurance business practices and link to SPG disclosure. Accessed 2026-09-16.
35. [Compensation Disclosure](https://www.specialtyprogramgroup.com/compensation-disclosure/). Specialty Program Group; Commission Income; Contingency Income; Fees Paid by Clients; Customer Centric Carriers; footer. Accessed 2026-09-16.
36. [How Do I File a Business Insurance Claim?](https://www.techinsurance.com/resources/how-to-file-a-business-insurance-claim) TechInsurance; Opening carrier-contact instruction; property and liability claim sections and TechInsurance agent assistance. Accessed 2026-09-16.
37. [Hub International and Bold Penguin to Acquire Insureon](https://www.hubinternational.com/en-CA/media-center/press-releases/2022/03/hub-international-and-bold-penguin-to-acquire-insureon/). HUB International; March 1, 2022 announcement; agency/platform split; Insureon operations within SPG. Accessed 2026-09-16.

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

## Agent and Developer Resources

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