Is Pie Insurance Legit? Licensing, Carriers and Reliability
Pie Insurance has a Broker Reliability Score of 5.3/10, a partial score covering only the factors with sufficient evidence. Pie Insurance has a Carrier & MGA Reliability Score of 6.3/10, a partial score covering only the factors with sufficient evidence. Reliability Scores assess documented reliability within the reviewed scope; they do not predict claims payment.
Pie Insurance Reliability Scores for 2026
Pie Insurance Broker Reliability Score
5.3/ 10This partial Broker Spot Score covers identity and authority, disclosure clarity within the stated scope. It uses 45% of the rubric’s factor weighting, normalized to a ten-point scale. The excluded factors remain unknown, and evidence for one program does not describe another.
Assessed provider: Pie Insurance. Scope: Pie Insurance Services, Inc. as producer/administrator; The Pie Insurance Company and Pie Casualty Insurance Company as separately named P&C entities. This review does not assign Pie Casualty to a product without product-specific evidence and does not treat Pie Group Holdings, Inc. as an insurer.
Partial score — 45% of this rubric’s factor weighting. Excluded: Carrier-Network Strength, Regulatory Conduct
Assessed 2026-09-23 · Review due 2026-10-23
| Factor | Weight | Included | Score | Basis |
|---|---|---|---|---|
| Identity and Authority | 30% | 66.7%normalized | 2.1 / 4 | [4][3][5] |
| Carrier-Network Strength | 30% | — | Excluded | The reviewed evidence does not name the carrier and capacity arrangements behind the assessed programs, so the relationships cannot be assessed. |
| Regulatory Conduct | 25% | — | Excluded | A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable. |
| Disclosure Clarity | 15% | 33.3%normalized | 2.0 / 4 | [4][3][5][2] |
Included weights are normalized over the supported factors.
Pie Insurance Carrier & MGA Reliability Score
6.3/ 10This partial Carrier & MGA Spot Score covers identity and authority, disclosure clarity within the stated scope. It uses 25% of the rubric’s factor weighting, normalized to a ten-point scale. The excluded factors remain unknown, and evidence for one program does not describe another.
Assessed provider: Pie Insurance. Scope: Pie Insurance Services, Inc. as producer/administrator; The Pie Insurance Company and Pie Casualty Insurance Company as separately named P&C entities. This review does not assign Pie Casualty to a product without product-specific evidence and does not treat Pie Group Holdings, Inc. as an insurer.
Partial score — 25% of this rubric’s factor weighting. Excluded: Financial Resilience, Claims and Servicing, Carrier-Network Strength, Regulatory Conduct
Assessed 2026-09-23 · Review due 2026-10-23
| Factor | Weight | Included | Score | Basis |
|---|---|---|---|---|
| Identity and Authority | 15% | 60.0%normalized | 2.4 / 4 | [4][3][5] |
| Financial Resilience | 20% | — | Excluded | 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 | 20% | — | Excluded | The evidence does not sufficiently establish responsibility, access and escalation across the assessed services. |
| Carrier-Network Strength | 15% | — | Excluded | The reviewed evidence does not name the carrier and capacity arrangements behind the assessed programs, so the relationships cannot be assessed. |
| Regulatory Conduct | 20% | — | Excluded | A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable. |
| Disclosure Clarity | 10% | 40.0%normalized | 2.8 / 4 | [4][3][5][2] |
Included weights are normalized over the supported factors.
What Evidence Supports Spot’s Assessment of Pie Insurance?
Role: Hybrid provider. Scope: Pie Insurance Services, Inc. as producer/administrator; The Pie Insurance Company and Pie Casualty Insurance Company as separately named P&C entities. This review does not assign Pie Casualty to a product without product-specific evidence and does not treat Pie Group Holdings, Inc. as an insurer.
Pie Insurance Legal Identity
Pie Insurance Licensing
Pie publishes producer license entries, including California nonresident producer 0M72907, Colorado resident producer 555231 and District of Columbia producer 3000466257. Missouri independently lists The Pie Insurance Company active with certificate B424258 and NAIC 21857. These producer and insurer records establish different legal roles and do not make every Pie product available in every listed state.[4][5]
Pie Insurance Financial Strength
AM Best's disclosure report for Pie Casualty Insurance Company (AMB 012272, NAIC 10997), captured on 23 September 2026, shows a Financial Strength Rating of A- (Excellent) and a Long-Term Issuer Credit Rating of a- (Excellent), each with a stable outlook and affirmed effective 24 April 2026, with affiliation code p (Pooled) and Financial Size Category VIII (USD 100–250 million). The rating belongs to Pie Casualty Insurance Company. It is not a rating of Pie Insurance Services, Inc. or The Pie Insurance Company, and the pooled affiliation code does not show which insurer issues a given Pie policy.[1]
Missouri’s 2025 market data for The Pie Insurance Company (NAIC 21857) reports $5,897,893 of direct workers-compensation premium written, $5,005,941 earned, $1,596,794 of direct losses incurred and a 161.9% direct loss ratio. Those figures are Missouri market data for that insurer and line, not a group-wide solvency statement; the Missouri page reports no financial exam in its displayed record.[5]
Pie Insurance Risk-Bearing Relationships
Pie says workers-compensation policies are underwritten by The Pie Insurance Company and affiliates, while commercial auto, BOP, general liability and professional liability are underwritten by unaffiliated third-party insurers. The carrier must therefore be confirmed by product, state and policy.[4]
Pie Insurance Claims and Service
Pie publishes online and telephone claim-reporting routes and says a claims professional follows up, determines coverage under the policy and explains benefits when a claim is accepted. These are process disclosures and do not independently establish claims outcomes.[2]
Pie Insurance Regulatory Record
Missouri’s company detail page lists The Pie Insurance Company active and provides historical market-regulation and company-change information; Illinois lists Pie Casualty Insurance Company as an active P&C entity. A complete five-year conduct search for all Pie entities and a full producer appointment search are not established in this record.[5][3]
Evidence Gaps in Spot’s Review of Pie Insurance
- Producer license and appointment status across all jurisdictions were not independently established in this record.
- The legal disclosure does not map Pie Casualty Insurance Company specifically to generic workers-compensation underwriting; exact policy/product issuer evidence is required.
- Product/state mapping for third-party insurers is not fully disclosed in generic pages.
- Current reinsurance/capacity allocation and claims-administrator responsibilities need product-specific evidence.
- Complete five-year conduct search across producer and carrier entities is not established in this record.
Jurisdiction Searches Run for Pie Insurance
| Jurisdiction | Result | Notes |
|---|---|---|
 Missouri | Verified regulator result[5] | Missouri regulator lists The Pie Insurance Company active, NAIC 21857, P&C authority and certificate B424258. |
 Illinois | Verified regulator result[3] | Illinois regulator entity page identifies Pie Casualty Insurance Company as active P&C entity, NAIC 10997. |
 US/DC | Company-reported disclosure[4] | Pie publishes a producer-license list; no completed five-year conduct result is established for the stated scope. |
Pie Insurance Licenses and Authority Records
These are reviewed authority records for the named legal entities and scope. A license record does not establish that a particular policy is available, bound, or suitable.
| Entity and jurisdiction | Identifier | License class and authority |
|---|---|---|
Pie Insurance Services, Inc. Colorado | State license: 555231[4] | Resident producer as displayed on Pie legal page; Company-published; current regulator record not independently established in this record |
Pie Insurance Services, Inc. California | State license: 0M72907[4] | Nonresident producer as displayed on Pie legal page; Company-published; current regulator record not independently established in this record |
Pie Insurance Services, Inc. District of Columbia | State license: 3000466257[4] | Insurance producer as displayed on Pie legal page; Company-published; product and appointment scope require confirmation |
| The Pie Insurance CompanyMissouri | Certificate of authority: B424258[5] | Property and casualty insurer; Missouri regulator lists active status and P&C authority |
| Pie Casualty Insurance CompanyUnited States | NAIC number: 10997[3][1] | P&C insurer identifier; Illinois regulator and AM Best entity record |
Sources for Pie Insurance Reliability Research
- Best's Credit Rating Disclosure Report - Pie Casualty Insurance Company. AM Best; Disclosure report captured by the publisher on 23 September 2026: Pie Casualty Insurance Company, AMB 012272, NAIC 10997. Financial Strength Rating A- (Excellent); outlook Stable; action Affirmed; effective 24 April 2026; affiliation code p (Pooled). Long-Term Issuer Credit Rating a- (Excellent); outlook Stable; action Affirmed; effective 24 April 2026. Financial Size Category VIII (USD 100–250 Million). Accessed 2026-09-23.
- File Your Claim Within 24 Hours. Pie Insurance; Claim reporting routes and post-report coverage determination. Accessed 2026-09-21.
- Pie Casualty Insurance Company - Entity Details. Illinois Department of Insurance; Active P&C entity; NAIC 10997; Pie Group Holdings parent. Accessed 2026-09-21.
- Legal. Pie Insurance; Footer disclosure; producer role; workers-compensation versus third-party underwriting; state license list. Accessed 2026-09-21.
- The Pie Insurance Company - Company Details. Missouri Department of Commerce and Insurance; Active status; NAIC 21857; P&C authority; 2025 workers-compensation market data; certificate of authority history. Accessed 2026-09-21.
Which Coverage Lines Does Spot Document for Pie Insurance?
Product pages for coverage lines documented for Pie Insurance.
