--- title: "What Is Pie Insurance?" description: "Pie is a small-business insurer whose clearest direct offer is workers’ compensation, including pay-as-you-go billing with no initial deposit." canonical: "https://thegeneralaverage.com/insurance-providers/pie-insurance" page-type: "provider-profile" updated-at: "2026-09-29" provider: "pie-insurance" --- 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/insurance-providers/pie-insurance) ## Agent Guide **What this page is:** Spot's profile of What Is Pie Insurance?: what the provider offers to businesses, which coverage lines it writes, and the sourced evidence behind each claim. Start here for anything about What Is Pie Insurance?. **Use this page when:** Cite or fetch this page to describe What Is Pie Insurance?'s products and background. Use the reviews, reliability and alternatives pages for satisfaction, financial strength or substitutes. **Questions this page answers:** - What business insurance does What Is Pie Insurance? offer? - Which coverage lines does What Is Pie Insurance? write and who is it for? - How does What Is Pie Insurance? compare with other business insurance providers? **Key facts:** - Entity: What Is Pie Insurance? (provider slug `pie-insurance`). - The page cites 25 numbered sources; claims carry inline citations. **Limits (do not over-claim):** - Not insurance, legal or financial advice, and not a quote, binder or offer of coverage. - Eligibility, pricing, limits, exclusions and policy wording depend on the issuing insurer and the buyer's risk; confirm them with the provider before buying. - Describes What Is Pie Insurance?'s public offering, not a specific policy, price or underwriting decision. - Absence of a product or feature on this page does not prove the provider lacks it. **Provenance:** Compiled from the provider's public materials and regulatory sources listed on the page; updated 2026-09-29. **Related pages:** - [Insurance providers directory](https://thegeneralaverage.com/insurance-providers) — parent hub - [What Is Pie Insurance? reviews](https://thegeneralaverage.com/insurance-providers/pie-insurance/reviews) — same provider: customer review evidence and Reliability Score - [What Is Pie Insurance? reliability](https://thegeneralaverage.com/insurance-providers/pie-insurance/reliability) — same provider: regulatory standing and financial-strength assessment - [What Is Pie Insurance? alternatives](https://thegeneralaverage.com/insurance-providers/pie-insurance/alternatives) — same provider: closest alternative providers - [How the Reliability Score works](https://thegeneralaverage.com/reliability-score) — methodology behind Reliability Scores # What Is Pie Insurance? Pie is a small-business insurer whose clearest direct offer is workers’ compensation, including pay-as-you-go billing with no initial deposit. ## Before You Quote Ask about eligibility, the issuing insurer, policy wording, limits, retentions, exclusions and costs for your business. ## Company Details - **Company:** Pie Insurance - **Stated focus:** Small-business workers’ compensation and selected partner-carrier coverages - **Official website:** [pieinsurance.com](https://www.pieinsurance.com/) ### Coverage Offered - [Business owner’s policy](https://thegeneralaverage.com/coverage/business-owners-policy): Pie accepts business owner’s policy quote requests. [7](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner’s Policy") - [Cyber liability](https://thegeneralaverage.com/coverage/cyber): 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") - [General liability](https://thegeneralaverage.com/coverage/general-liability): Pie arranges general liability insurance through unaffiliated third-party insurers. [10](https://www.pieinsurance.com/small-business-insurance/general-liability "General Liability Insurance") - [Professional errors and omissions (E&O)](https://thegeneralaverage.com/coverage/professional-errors-omissions): 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") - [Workers’ compensation](https://thegeneralaverage.com/coverage/workers-compensation): Pie Insurance offers workers’ compensation insurance for small businesses. [3](https://www.pieinsurance.com/workers-comp "Workers’ Comp Insurance For Small Businesses") ## Coverage Line Pages - [Pie Insurance Business Owner’s Policy](https://thegeneralaverage.com/insurance-providers/pie-insurance/business-owners-policy) - [Pie Insurance Cyber Insurance](https://thegeneralaverage.com/insurance-providers/pie-insurance/cyber) - [Pie Insurance General Liability Insurance](https://thegeneralaverage.com/insurance-providers/pie-insurance/general-liability) - [Pie Insurance Professional Liability (E&O) Insurance](https://thegeneralaverage.com/insurance-providers/pie-insurance/professional-errors-omissions) - [Pie Insurance Workers’ Compensation Insurance](https://thegeneralaverage.com/insurance-providers/pie-insurance/workers-compensation) ## Pie Insurance Reliability Scores for 2026 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). ## 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). ## 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. 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.) Workers’ compensation is Pie’s core public offering. The current catalogue also supports requests for a business owner’s policy (BOP), cyber, general liability and professional liability/errors and omissions (E&O), although those products use outside carrier partners and carry less public detail about insurers and state availability. [3](https://www.pieinsurance.com/workers-comp "Workers’ Comp Insurance For Small Businesses") [5](https://www.pieinsurance.com/legal "Legal") [8](https://www.pieinsurance.com/small-business-insurance/cyber-insurance "Cyber Insurance For Small Businesses") ## What Are the Pros and Cons of Pie Insurance? ### Pros - **Businesses can start directly or use an agent.** Pie offers a public workers’ compensation quote flow and separately supports appointed agencies. That gives a buyer a self-service starting point without removing the option to work through an insurance professional. [2](https://www.pieinsurance.com/about "About Pie Insurance") [6](https://quote.pieinsurance.com/ "Pie Insurance — Quote") - **The account covers recurring policy tasks.** Pie documents online access to policy details, forms, state posters, endorsements and certificates, including instant and custom certificate routes. Those tools can help when a customer, landlord or regulator asks for proof or documents after purchase. [15](https://www.pieinsurance.com/resource-center/online-account-tutorial "Online Account Tutorial") - **Several payment schedules are published.** Annual, semi-annual, quarterly and monthly choices let a business compare cash-flow timing, while pay-as-you-go ties payments to reported payroll and requires no initial deposit. Eligibility and the full cost still need to be checked in the quote. [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") - **The affiliated carrier group has a current independent financial-strength opinion.** AM Best affirmed Pie Casualty Insurance Company’s pooled A- rating with a Stable outlook in April 2026. This speaks to the rating agency’s view of financial strength, not the wording or outcome of any claim. [22](https://ratings.ambest.com/DisclosurePDF.aspx?AMBNum=12272&PCA=0 "AM Best Rating Disclosure Report — Pie Casualty Insurance Company") ### Cons - **Public availability information does not fully agree.** Pie’s dedicated state page and AM Best say workers’ compensation reaches 40 states and Washington, D.C.; Pie’s homepage and January 2026 release still say 39 states plus D.C. The state-page selector and claim-handler count add further ambiguity, so a multistate buyer should verify every location. [11](https://www.pieinsurance.com/agency/states-we-serve "Workers’ Comp Coverage By State") [1](https://www.pieinsurance.com/ "Pie Insurance") [13](https://www.pieinsurance.com/resource-center/press/2025-year-in-review "Pie Insurance Reports Strong 2025") [21](https://www.pieinsurance.com/agency/faq "Partner FAQ") - **The broader product menu needs a live check.** Pie still displays commercial auto in navigation and on the claim page, but its own FAQ says new submissions and renewals ended. BOP, cyber, general liability and E&O pages invite quote requests without publishing a current carrier or state matrix. [14](https://www.pieinsurance.com/claims/comm-auto-faq "Commercial Auto Claim FAQs") [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") - **Workers’ compensation pricing is not final until audit.** The initial premium uses estimated payroll, and the required annual audit uses actual records. Growth, classification changes or uninsured subcontractors can therefore change the amount due after the policy term. [19](https://www.pieinsurance.com/workers-comp/premium-audit "Your Workers’ Comp Premium Audit") - **Some transaction costs require special attention.** Pie publishes a 3% credit-card fee for most new single-state workers’ compensation policies and charges for waiver-of-subrogation requests without a public dollar schedule. Ask for these separately from premium and taxes. [17](https://www.pieinsurance.com/payment-options "Payment Options") [16](https://www.pieinsurance.com/workers-comp/resources/frequently-asked-questions "Workers’ Comp FAQs") - **The advertised savings figure needs context.** Wisconsin’s insurance regulator recorded that Pie Insurance Services agreed in 2024 to add a disclaimer to its “save up to 30%” claim after allegations of misleading advertising. Pie’s current pages say individual savings vary and the discounts are unavailable on Wisconsin workers’ compensation policies. [25](https://oci.wi.gov/Pages/PressReleases/AdminActions202401.aspx "Administrative Actions — January 2024") [3](https://www.pieinsurance.com/workers-comp "Workers’ Comp Insurance For Small Businesses") ## How Does Pie Insurance Work? ### Starting a Workers’ Compensation Quote Small businesses can start a workers’ compensation quote online or through an insurance agent; agencies use a separate partner portal. [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.) Have your ZIP, payroll and class-code details ready for a Pie workers’ compensation quote; its online intake begins with ZIP code. [6](https://quote.pieinsurance.com/ "Pie Insurance — Quote") [3](https://www.pieinsurance.com/workers-comp "Workers’ Comp Insurance For Small Businesses") (Evidence: Company-reported; scope: Unauthenticated first step and Pie’s description of workers’ compensation quote inputs; no data was entered and the flow was not advanced.; verified: 2026-09-15.) ![Pie Insurance’s live quote start page with an empty Business ZIP Code field and a Next button.](https://thegeneralaverage.com/insurance-providers/pie-insurance/quote-start-2026-09-15-responsive.png) *[The first step of Pie’s direct quote flow](https://quote.pieinsurance.com/), inspected without entering information or advancing.* Pie advertises a workers’ compensation quote in about three minutes, but this company estimate does not predict underwriting or binding time. [3](https://www.pieinsurance.com/workers-comp "Workers’ Comp Insurance For Small Businesses") [1](https://www.pieinsurance.com/ "Pie Insurance") (Evidence: Company-reported; scope: Workers’ compensation quote marketing; no timed independent quote test was performed.; verified: 2026-09-15.) A fast first decision is not the same as a bound policy. Ask what additional underwriting information, signatures and payment are required, and when the quoted coverage would actually take effect. [4](https://www.pieinsurance.com/legal/terms-of-use "Terms Of Use") ### The Producer, the Insurers and the Parent 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.) 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.) 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.) This means the Pie brand can appear in several roles. The producer handles the sale and administration, while the insurer named on the declarations assumes the policy obligation. The holding company owns group businesses but is not a substitute for the issuing insurer on a claim. [5](https://www.pieinsurance.com/legal "Legal") [24](https://insurance.illinois.gov/applications/RegEntPortal/ViewEntityDetails.aspx?en=982281&s=Active&t=INS "Pie Casualty Insurance Company — Entity Details") 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.) ## What Coverage Does Pie Insurance Offer, and Where? ### The Current Coverage Catalogue Pie currently markets workers’ comp, BOP, cyber, general liability and professional liability/E&O; product pages describe typical coverage, while the policy and endorsements determine your actual protection. [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") [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: Company-reported; scope: Public US Pie pages with an explicit quote or contact invitation; educational-only topics and components of a BOP were not counted as standalone offerings.; verified: 2026-09-15.) - **Workers’ compensation:** Pie’s affiliated carriers write the program. The product page describes medical, wage, disability and death benefits in general terms; state law and the issued policy decide the actual benefits and employer obligations. [3](https://www.pieinsurance.com/workers-comp "Workers’ Comp Insurance For Small Businesses") - **Business owner’s policy:** Pie describes a package that can combine property, liability and business interruption coverage. Those components should not be treated as separately included until the quote and forms say so. [7](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner’s Policy") - **Cyber:** Pie’s page discusses first-party response costs and third-party liability, says policies vary and offers access through carrier partners. Confirm which parts are present, including incident response, ransomware, business interruption and liability terms. [8](https://www.pieinsurance.com/small-business-insurance/cyber-insurance "Cyber Insurance For Small Businesses") - **General liability:** The public description lists bodily injury, third-party property damage, reputation harm, products liability and advertising injury as typical categories. The page does not establish the limits, exclusions or insurer on a proposed policy. [10](https://www.pieinsurance.com/small-business-insurance/general-liability "General Liability Insurance") - **Professional liability/E&O:** Pie uses the two names for one offering aimed at claims arising from advice or services. Obtain the proposed definition of professional services, retroactive date and reporting terms. [9](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors And Omissions Insurance") Pie describes commercial property and business interruption as parts of a BOP, and products liability as part of general liability. These components are not separately marketed policies. [7](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner’s Policy") [10](https://www.pieinsurance.com/small-business-insurance/general-liability "General Liability Insurance") ### Workers’ Compensation Insurers and States 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.) Pie’s document library lists state materials for Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maryland, Michigan, Minnesota, Mississippi, Missouri, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, Tennessee, Texas, Utah, Vermont, Virginia, West Virginia and Wisconsin, plus Washington, D.C. That list is useful evidence of a service footprint, but it does not promise eligibility for every class code or multistate combination. [12](https://www.pieinsurance.com/agency/document-library "Agency Document Library") [4](https://www.pieinsurance.com/legal/terms-of-use "Terms Of Use") The declarations should identify either The Pie Insurance Company, Pie Casualty Insurance Company or another applicable entity for the actual risk. Do not rely on the logo or group rating alone to identify the insurer. [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") ### Partner-Carrier Products 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.) 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.) Use your policy and endorsements to decide what is covered; Pie says website descriptions do not change policy terms and eligibility varies by applicant and location. [4](https://www.pieinsurance.com/legal/terms-of-use "Terms Of Use") (Evidence: Company-reported; scope: Website descriptions and US products generally; the buyer’s issued policy and endorsements control.; verified: 2026-09-15.) For these products, ask whether Pie is placing one policy or coordinating several, which insurer issues each part and whether the quoted carrier is admitted in the relevant state. A website’s typical coverage list cannot answer contract-specific requirements. [4](https://www.pieinsurance.com/legal/terms-of-use "Terms Of Use") ### Commercial Auto Is Legacy Business If you need new or renewed commercial auto, look elsewhere: Pie stopped accepting new submissions December 1, 2025 and says it will issue no new or renewal policies after January 1, 2026; existing terms remain in force through expiry. [14](https://www.pieinsurance.com/claims/comm-auto-faq "Commercial Auto Claim FAQs") [20](https://www.pieinsurance.com/claims "File Your Claim Within 24 Hours") (Evidence: Company-reported; scope: Pie’s former commercial-auto offering and legacy policies; commercial auto is intentionally excluded from the current coverage catalogue.; verified: 2026-09-15.) The continued appearance of commercial auto on Pie’s website is relevant to existing policy service and claims, not evidence that a new buyer can obtain the product. [14](https://www.pieinsurance.com/claims/comm-auto-faq "Commercial Auto Claim FAQs") [20](https://www.pieinsurance.com/claims "File Your Claim Within 24 Hours") ## How Is Pie Insurance Paid, and What Service Does It Provide? ### Policy Documents and Certificates 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.) A certificate shows information about an existing policy; it does not itself add a party or amend coverage. Pie’s FAQ says workers’ compensation does not use additional insured status and handles waiver-of-subrogation requests separately. Confirm that the requested waiver or other endorsement was actually issued. [16](https://www.pieinsurance.com/workers-comp/resources/frequently-asked-questions "Workers’ Comp FAQs") ### Billing, Fees and Premium Audit 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.) 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.) 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.) 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.) 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.) Keep payroll and job classifications current during the term, and request a written explanation of any audit adjustment. Pay-as-you-go can reduce the gap between estimated and reported payroll, but Pie’s public page does not say it eliminates the required final audit. [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") 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.) ### Reporting a Claim 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. [20](https://www.pieinsurance.com/claims "File Your Claim Within 24 Hours") (Evidence: Company-reported; scope: Published first-report process for Pie-serviced workers’ compensation claims; state notice rules and the issuing carrier’s policy still apply.; verified: 2026-09-15.) ![Pie Insurance’s public claims page showing its 24-hour reporting message and workers’ compensation claim button, alongside a legacy commercial-auto claim option.](https://thegeneralaverage.com/insurance-providers/pie-insurance/claims-page-2026-09-15.png) *[Pie’s public claim-reporting page](https://www.pieinsurance.com/claims). The commercial-auto option serves existing policies after Pie stopped new and renewal business.* 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](https://www.pieinsurance.com/agency/faq "Partner FAQ") [11](https://www.pieinsurance.com/agency/states-we-serve "Workers’ Comp Coverage By State") [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 allocation of workers’ compensation claim handling; the current handler for an individual policy should be taken from its state kit and claim instructions.; verified: 2026-09-15.) Before a loss, save the state-specific notice and identify whether Pie, CorVel or another administrator will receive the first report. Reporting to a service channel does not by itself establish coverage; the issuing insurer and policy terms control. [20](https://www.pieinsurance.com/claims "File Your Claim Within 24 Hours") [12](https://www.pieinsurance.com/agency/document-library "Agency Document Library") ## What Should You Confirm in Pie Insurance Quotes? - **The legal insurer and producer.** Which entity issues each policy, and is Pie Insurance Services currently licensed for the transaction? For workers’ compensation, check whether The Pie Insurance Company or Pie Casualty appears on the declarations. [5](https://www.pieinsurance.com/legal "Legal") [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") - **State and class-code eligibility.** Confirm every work location, employee class and out-of-state exposure. Pie’s published footprint counts conflict, and a listed state does not guarantee that a particular operation qualifies. [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") [4](https://www.pieinsurance.com/legal/terms-of-use "Terms Of Use") - **Forms, limits and endorsements.** Request the actual policy forms, exclusions, limits and deductibles or retentions. For BOP and general liability, identify which property and products-liability terms are included; for cyber and E&O, check prior acts, reporting triggers and defense costs. [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") - **Total cost and audit exposure.** Separate premium, taxes, installment charges, the credit-card fee and waiver charges. Ask how payroll and subcontractors will be treated at audit and how to dispute a classification or final adjustment. [17](https://www.pieinsurance.com/payment-options "Payment Options") [16](https://www.pieinsurance.com/workers-comp/resources/frequently-asked-questions "Workers’ Comp FAQs") [19](https://www.pieinsurance.com/workers-comp/premium-audit "Your Workers’ Comp Premium Audit") - **Service responsibilities.** Establish who handles certificates, endorsements, renewals and claims for each policy, especially when an agent or third-party carrier is involved. Record the state-specific claim administrator and reporting deadline before coverage begins. [15](https://www.pieinsurance.com/resource-center/online-account-tutorial "Online Account Tutorial") [21](https://www.pieinsurance.com/agency/faq "Partner FAQ") [20](https://www.pieinsurance.com/claims "File Your Claim Within 24 Hours") - **Timing and discontinued products.** Ask what remains after the first online decision before coverage can bind. Do not rely on an older Pie commercial-auto page or navigation label for new coverage; the company says that program is closed to new and renewal business. [6](https://quote.pieinsurance.com/ "Pie Insurance — Quote") [14](https://www.pieinsurance.com/claims/comm-auto-faq "Commercial Auto Claim FAQs") ## How Does Pie Insurance Compare With Other Providers? - [Pie Insurance vs AIG](https://thegeneralaverage.com/compare/aig-vs-pie-insurance) - [Pie Insurance vs Alliance Risk](https://thegeneralaverage.com/compare/alliance-risk-vs-pie-insurance) - [Pie Insurance vs Amelia Risk](https://thegeneralaverage.com/compare/amelia-risk-vs-pie-insurance) - [Pie Insurance vs Aon](https://thegeneralaverage.com/compare/aon-vs-pie-insurance) - [Pie Insurance vs Armilla](https://thegeneralaverage.com/compare/armilla-vs-pie-insurance) - [Pie Insurance vs At-Bay](https://thegeneralaverage.com/compare/at-bay-vs-pie-insurance) - [Pie Insurance vs The Baldwin Group](https://thegeneralaverage.com/compare/baldwin-vs-pie-insurance) - [Pie Insurance vs Beazley](https://thegeneralaverage.com/compare/beazley-vs-pie-insurance) - [Pie Insurance vs Berkshire Hathaway Specialty Insurance](https://thegeneralaverage.com/compare/berkshire-hathaway-specialty-insurance-vs-pie-insurance) - [Pie Insurance vs biBerk](https://thegeneralaverage.com/compare/biberk-vs-pie-insurance) - [Pie Insurance vs CFC](https://thegeneralaverage.com/compare/cfc-vs-pie-insurance) - [Pie Insurance vs Chubb](https://thegeneralaverage.com/compare/chubb-vs-pie-insurance) - [Pie Insurance vs CNA](https://thegeneralaverage.com/compare/cna-vs-pie-insurance) - [Pie Insurance vs Coalition](https://thegeneralaverage.com/compare/coalition-vs-pie-insurance) - [Pie Insurance vs Corgi](https://thegeneralaverage.com/compare/corgi-vs-pie-insurance) - [Pie Insurance vs Coterie Insurance](https://thegeneralaverage.com/compare/coterie-vs-pie-insurance) - [Pie Insurance vs Counterpart](https://thegeneralaverage.com/compare/counterpart-vs-pie-insurance) - [Pie Insurance vs Coverdash](https://thegeneralaverage.com/compare/coverdash-vs-pie-insurance) - [Pie Insurance vs Cowbell](https://thegeneralaverage.com/compare/cowbell-vs-pie-insurance) - [Pie Insurance vs Embroker](https://thegeneralaverage.com/compare/embroker-vs-pie-insurance) - [Pie Insurance vs Founder Shield](https://thegeneralaverage.com/compare/foundershield-vs-pie-insurance) - [Pie Insurance vs Foxquilt](https://thegeneralaverage.com/compare/foxquilt-vs-pie-insurance) - [Pie Insurance vs Gallagher](https://thegeneralaverage.com/compare/gallagher-vs-pie-insurance) - [Pie Insurance vs Harper](https://thegeneralaverage.com/compare/harper-vs-pie-insurance) - [Pie Insurance vs Heffernan Insurance Brokers](https://thegeneralaverage.com/compare/heffernan-vs-pie-insurance) - [Pie Insurance vs Hiscox](https://thegeneralaverage.com/compare/hiscox-vs-pie-insurance) - [Pie Insurance vs HUB International](https://thegeneralaverage.com/compare/hub-international-vs-pie-insurance) - [Pie Insurance vs Insureon](https://thegeneralaverage.com/compare/insureon-vs-pie-insurance) - [Pie Insurance vs Kinro](https://thegeneralaverage.com/compare/kinro-vs-pie-insurance) - [Pie Insurance vs Layr](https://thegeneralaverage.com/compare/layr-vs-pie-insurance) - [Pie Insurance vs Liberty Mutual](https://thegeneralaverage.com/compare/liberty-mutual-vs-pie-insurance) - [Pie Insurance vs Lockton](https://thegeneralaverage.com/compare/lockton-vs-pie-insurance) - [Pie Insurance vs Markel Insurance](https://thegeneralaverage.com/compare/markel-vs-pie-insurance) - [Pie Insurance vs Marsh McLennan Agency](https://thegeneralaverage.com/compare/marsh-mclennan-agency-vs-pie-insurance) - [Pie Insurance vs Marsh](https://thegeneralaverage.com/compare/marsh-vs-pie-insurance) - [Pie Insurance vs Mylo](https://thegeneralaverage.com/compare/mylo-vs-pie-insurance) - [Pie Insurance vs Nationwide](https://thegeneralaverage.com/compare/nationwide-vs-pie-insurance) - [Pie Insurance vs Newfront](https://thegeneralaverage.com/compare/newfront-vs-pie-insurance) - [Pie Insurance vs ERGO NEXT Insurance](https://thegeneralaverage.com/compare/next-insurance-vs-pie-insurance) - [Pie Insurance vs Relm Insurance](https://thegeneralaverage.com/compare/pie-insurance-vs-relm) - [Pie Insurance vs Resilience](https://thegeneralaverage.com/compare/pie-insurance-vs-resilience) - [Pie Insurance vs RiskCube](https://thegeneralaverage.com/compare/pie-insurance-vs-riskcube) - [Pie Insurance vs Risklytics](https://thegeneralaverage.com/compare/pie-insurance-vs-risklytics) - [Pie Insurance vs Simply Business](https://thegeneralaverage.com/compare/pie-insurance-vs-simply-business) - [Pie Insurance vs StartupInsurance.ai](https://thegeneralaverage.com/compare/pie-insurance-vs-startupinsurance) - [Pie Insurance vs TechInsurance](https://thegeneralaverage.com/compare/pie-insurance-vs-techinsurance) - [Pie Insurance vs The Hartford](https://thegeneralaverage.com/compare/pie-insurance-vs-the-hartford) - [Pie Insurance vs THREE by Berkshire Hathaway](https://thegeneralaverage.com/compare/pie-insurance-vs-three) - [Pie Insurance vs Travelers](https://thegeneralaverage.com/compare/pie-insurance-vs-travelers) - [Pie Insurance vs USI Insurance Services](https://thegeneralaverage.com/compare/pie-insurance-vs-usi) - [Pie Insurance vs Vouch](https://thegeneralaverage.com/compare/pie-insurance-vs-vouch) - [Pie Insurance vs WithCoverage](https://thegeneralaverage.com/compare/pie-insurance-vs-withcoverage) - [Pie Insurance vs WTW](https://thegeneralaverage.com/compare/pie-insurance-vs-wtw) - [Pie Insurance vs Zurich U.S.](https://thegeneralaverage.com/compare/pie-insurance-vs-zurich) ## Sources for Pie Insurance ### [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. Updated 2026-09-29. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [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/insurance-providers/pie-insurance.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)