--- title: "Is Pie Insurance Legit? Licensing, Carriers and Reliability" description: "This partial score helps you review the entities behind Pie’s policies and how clearly it explains which products use outside insurers." canonical: "https://thegeneralaverage.com/insurance-providers/pie-insurance/reliability" page-type: "reliability-article" updated-at: "2026-09-25" provider: "pie-insurance" content-type: "reliability" --- 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/reliability) ## Agent Guide **What this page is:** Spot's evidence-based reliability assessment of Is Pie Insurance Legit? Licensing, Carriers and, scored per role (for example broker, carrier, managing general agent) with the regulatory and financial-strength evidence used. **Use this page when:** Cite this page to answer whether Is Pie Insurance Legit? Licensing, Carriers and is reliable or financially sound. Scores apply to the assessed entity and role named on the page, not to every company under the brand. **Questions this page answers:** - Is Is Pie Insurance Legit? Licensing, Carriers and reliable? - Is Is Pie Insurance Legit? Licensing, Carriers and financially strong and properly licensed? - How was Is Pie Insurance Legit? Licensing, Carriers and scored and why? **Key facts:** - Entity: Is Pie Insurance Legit? Licensing, Carriers and (provider slug `pie-insurance`). - Each role is scored against its own rubric; scores are never comparable across rubrics. **Limits (do not over-claim):** - A Reliability Score is a research assessment, not a rating agency grade, guarantee of claims payment or recommendation. - Where the page says an assessment is unavailable or partial, no score should be inferred. - The scored entity may differ from the brand name; read the assessed-entity line before quoting a score. **Provenance:** Based on regulatory filings and public financial disclosures cited on the page; updated 2026-09-25. Methodology at /reliability-score. **Related pages:** - [Provider reliability directory](https://thegeneralaverage.com/insurance-reliability) — parent hub - [How the Reliability Score works](https://thegeneralaverage.com/reliability-score) — methodology: rubric, weights, evidence rules - [Is Pie Insurance Legit? Licensing, Carriers and profile](https://thegeneralaverage.com/insurance-providers/pie-insurance) — same provider: provider profile: products, coverage lines and sources - [Is Pie Insurance Legit? Licensing, Carriers and reviews](https://thegeneralaverage.com/insurance-providers/pie-insurance/reviews) — same provider: customer review evidence and Reliability Score - [Is Pie Insurance Legit? Licensing, Carriers and alternatives](https://thegeneralaverage.com/insurance-providers/pie-insurance/alternatives) — same provider: closest alternative providers # Is Pie Insurance Legit? Licensing, Carriers and Reliability This partial score helps you review the entities behind Pie’s policies and how clearly it explains which products use outside insurers. ## Pie Insurance Reliability Scores for 2026 - **Role:** Hybrid role - **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. **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.** This partial Broker Reliability 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. - **Broker Reliability Score:** **5.3/10** - **Subject:** 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. - **Role:** Hybrid role - **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. - **Assessed:** 2026-09-23 - **Review due:** 2026-10-23 - **Factor basis:** Partial score; **45%** of this role’s weighting included. Included: Identity and Authority, Disclosure Clarity. Excluded: 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.. **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.** This partial Carrier & MGA Reliability 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. - **Carrier & MGA Reliability Score:** **6.3/10** - **Subject:** 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. - **Role:** Hybrid role - **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. - **Assessed:** 2026-09-23 - **Review due:** 2026-10-23 - **Factor basis:** Partial score; **25%** of this role’s weighting included. Included: Identity and Authority, Disclosure Clarity. Excluded: 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.. - **Methodology:** [How we calculate the Reliability Score](https://thegeneralaverage.com/reliability-score) - **Provider profile:** [Pie Insurance](https://thegeneralaverage.com/insurance-providers/pie-insurance) ## What Our Research Found About Pie Insurance ### Pie Insurance Legal Identity Pie’s legal page separates Pie Insurance Services, Inc. as the producer and administrator from The Pie Insurance Company and affiliated insurers. Pie Group Holdings, Inc. is the group holding company identified in the public materials; it is not treated as the policy issuer. [Legal](https://www.pieinsurance.com/legal), [Pie Casualty Insurance Company - Entity Details](https://insurance.illinois.gov/applications/RegEntPortal/ViewEntityDetails.aspx?en=982281&s=Active&t=INS) ### 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. [Legal](https://www.pieinsurance.com/legal), [The Pie Insurance Company - Company Details](https://insurance.mo.gov/find-insurance-company/company-details?id=104347111) ### 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. [Best's Credit Rating Disclosure Report - Pie Casualty Insurance Company](https://ratings.ambest.com/DisclosurePDF.aspx?AMBNum=12272) 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. [The Pie Insurance Company - Company Details](https://insurance.mo.gov/find-insurance-company/company-details?id=104347111) ### 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. [Legal](https://www.pieinsurance.com/legal) ### 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. [File Your Claim Within 24 Hours](https://www.pieinsurance.com/claims) ### 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. [The Pie Insurance Company - Company Details](https://insurance.mo.gov/find-insurance-company/company-details?id=104347111), [Pie Casualty Insurance Company - Entity Details](https://insurance.illinois.gov/applications/RegEntPortal/ViewEntityDetails.aspx?en=982281&s=Active&t=INS) ## Pie Insurance Licenses and Authority Records | Entity | Jurisdiction | Identifier | Number | License type | Authority | Sources | | --- | --- | --- | --- | --- | --- | --- | | Pie Insurance Services, Inc. | CO | State license | 555231 | Resident producer as displayed on Pie legal page | Company-published; current regulator record not independently established in this record | [Legal](https://www.pieinsurance.com/legal) | | Pie Insurance Services, Inc. | CA | State license | 0M72907 | Nonresident producer as displayed on Pie legal page | Company-published; current regulator record not independently established in this record | [Legal](https://www.pieinsurance.com/legal) | | Pie Insurance Services, Inc. | DC | State license | 3000466257 | Insurance producer as displayed on Pie legal page | Company-published; product and appointment scope require confirmation | [Legal](https://www.pieinsurance.com/legal) | | The Pie Insurance Company | MO | Certificate of authority | B424258 | Property and casualty insurer | Missouri regulator lists active status and P&C authority | [The Pie Insurance Company - Company Details](https://insurance.mo.gov/find-insurance-company/company-details?id=104347111) | | Pie Casualty Insurance Company | US | NAIC company code | 10997 | P&C insurer identifier | Illinois regulator and AM Best entity record | [Pie Casualty Insurance Company - Entity Details](https://insurance.illinois.gov/applications/RegEntPortal/ViewEntityDetails.aspx?en=982281&s=Active&t=INS), [Best's Credit Rating Disclosure Report - Pie Casualty Insurance Company](https://ratings.ambest.com/DisclosurePDF.aspx?AMBNum=12272) | ## Regulator Searches for Pie Insurance | Jurisdiction | Result | Notes | Sources | | --- | --- | --- | --- | | MO | verified | Missouri regulator lists The Pie Insurance Company active, NAIC 21857, P&C authority and certificate B424258. | [The Pie Insurance Company - Company Details](https://insurance.mo.gov/find-insurance-company/company-details?id=104347111) | | IL | verified | Illinois regulator entity page identifies Pie Casualty Insurance Company as active P&C entity, NAIC 10997. | [Pie Casualty Insurance Company - Entity Details](https://insurance.illinois.gov/applications/RegEntPortal/ViewEntityDetails.aspx?en=982281&s=Active&t=INS) | | US/DC | company-reported | Pie publishes a producer-license list; no completed five-year conduct result is established for the stated scope. | [Legal](https://www.pieinsurance.com/legal) | ## Pie Insurance Reliability Scores by Factor ### Pie Insurance Broker Reliability Score Included weighting: **45%** of the original dimensions. Contributions are normalized over included weighting. 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. [Legal](https://www.pieinsurance.com/legal) - **Regulatory Conduct:** A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable. [The Pie Insurance Company - Company Details](https://insurance.mo.gov/find-insurance-company/company-details?id=104347111), [Pie Casualty Insurance Company - Entity Details](https://insurance.illinois.gov/applications/RegEntPortal/ViewEntityDetails.aspx?en=982281&s=Active&t=INS) | Dimension | Score (0–4) | Weight | Contribution (/10) | Sources | | --- | ---: | ---: | ---: | --- | | Identity and Authority | 2.14 | 30% | 3.57 | [Legal](https://www.pieinsurance.com/legal), [Pie Casualty Insurance Company - Entity Details](https://insurance.illinois.gov/applications/RegEntPortal/ViewEntityDetails.aspx?en=982281&s=Active&t=INS), [The Pie Insurance Company - Company Details](https://insurance.mo.gov/find-insurance-company/company-details?id=104347111) | | Disclosure Clarity | 2.02 | 15% | 1.68 | [Legal](https://www.pieinsurance.com/legal), [Pie Casualty Insurance Company - Entity Details](https://insurance.illinois.gov/applications/RegEntPortal/ViewEntityDetails.aspx?en=982281&s=Active&t=INS), [The Pie Insurance Company - Company Details](https://insurance.mo.gov/find-insurance-company/company-details?id=104347111), [File Your Claim Within 24 Hours](https://www.pieinsurance.com/claims) | ### Pie Insurance Carrier & MGA Reliability Score Included weighting: **25%** of the original dimensions. Contributions are normalized over included weighting. 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. [Best's Credit Rating Disclosure Report - Pie Casualty Insurance Company](https://ratings.ambest.com/DisclosurePDF.aspx?AMBNum=12272), [The Pie Insurance Company - Company Details](https://insurance.mo.gov/find-insurance-company/company-details?id=104347111), [Legal](https://www.pieinsurance.com/legal) - **Claims and Servicing:** The evidence does not sufficiently establish responsibility, access and escalation across the assessed services. [Legal](https://www.pieinsurance.com/legal), [File Your Claim Within 24 Hours](https://www.pieinsurance.com/claims) - **Carrier-Network Strength:** The reviewed evidence does not name the carrier and capacity arrangements behind the assessed programs, so the relationships cannot be assessed. [Legal](https://www.pieinsurance.com/legal) - **Regulatory Conduct:** A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable. [The Pie Insurance Company - Company Details](https://insurance.mo.gov/find-insurance-company/company-details?id=104347111), [Pie Casualty Insurance Company - Entity Details](https://insurance.illinois.gov/applications/RegEntPortal/ViewEntityDetails.aspx?en=982281&s=Active&t=INS) | Dimension | Score (0–4) | Weight | Contribution (/10) | Sources | | --- | ---: | ---: | ---: | --- | | Identity and Authority | 2.39 | 15% | 3.58 | [Legal](https://www.pieinsurance.com/legal), [Pie Casualty Insurance Company - Entity Details](https://insurance.illinois.gov/applications/RegEntPortal/ViewEntityDetails.aspx?en=982281&s=Active&t=INS), [The Pie Insurance Company - Company Details](https://insurance.mo.gov/find-insurance-company/company-details?id=104347111) | | Disclosure Clarity | 2.75 | 10% | 2.75 | [Legal](https://www.pieinsurance.com/legal), [Pie Casualty Insurance Company - Entity Details](https://insurance.illinois.gov/applications/RegEntPortal/ViewEntityDetails.aspx?en=982281&s=Active&t=INS), [The Pie Insurance Company - Company Details](https://insurance.mo.gov/find-insurance-company/company-details?id=104347111), [File Your Claim Within 24 Hours](https://www.pieinsurance.com/claims) | ## What We Couldn’t Confirm About 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. ## Insurance Terms Related to Pie Insurance - [What Is a Full-Stack Insurance Provider?](https://thegeneralaverage.com/insurance-glossary/full-stack-insurance-provider) - [What Is an Insurance Broker?](https://thegeneralaverage.com/insurance-glossary/insurance-broker) - [What Is an Insurance Producer License?](https://thegeneralaverage.com/insurance-glossary/insurance-producer-license) - [What Is a National Producer Number?](https://thegeneralaverage.com/insurance-glossary/national-producer-number) - [What Is an AM Best Rating?](https://thegeneralaverage.com/insurance-glossary/am-best-rating) ## Sources for Pie Insurance Reliability Research - [Best's Credit Rating Disclosure Report - Pie Casualty Insurance Company](https://ratings.ambest.com/DisclosurePDF.aspx?AMBNum=12272) — 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](https://www.pieinsurance.com/claims) — Pie Insurance; Claim reporting routes and post-report coverage determination; accessed 2026-09-21. - [Pie Casualty Insurance Company - Entity Details](https://insurance.illinois.gov/applications/RegEntPortal/ViewEntityDetails.aspx?en=982281&s=Active&t=INS) — Illinois Department of Insurance; Active P&C entity; NAIC 10997; Pie Group Holdings parent; accessed 2026-09-21. - [Legal](https://www.pieinsurance.com/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](https://insurance.mo.gov/find-insurance-company/company-details?id=104347111) — 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. ## Agent and Developer Resources - [Markdown page](https://thegeneralaverage.com/insurance-providers/pie-insurance/reliability.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)