---
title: "Pie Insurance Workers’ Compensation Insurance"
description: "Pie Insurance writes workers' compensation for small businesses through its own insurance companies, with quotes available online."
canonical: "https://thegeneralaverage.com/insurance-providers/pie-insurance/workers-compensation"
page-type: "offering-page"
updated-at: "2026-09-23"
provider: "pie-insurance"
coverage-line: "workers-compensation"
---

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[Human-readable page](https://thegeneralaverage.com/insurance-providers/pie-insurance/workers-compensation)

## Agent Guide

**What this page is:** What Pie Insurance Workers’ Compensation Insurance covers, who it fits and what to confirm before buying, drawn from the provider's public documents.

**Use this page when:** Cite this page for Pie Insurance Workers’ Compensation Insurance specifically. For the general coverage explainer use /coverage/workers-compensation; for the provider overall use its profile.

**Questions this page answers:**
- Does Pie Insurance Workers’ Compensation Insurance offer this coverage?
- What does Pie Insurance Workers’ Compensation Insurance cover and exclude?
- Who is Pie Insurance Workers’ Compensation Insurance designed for?

**Key facts:**
- Provider slug `pie-insurance`; coverage line `workers-compensation`.
- Start with the Quick Answer; the at-a-glance table shows which topics the sources document. Facts are grouped by topic under their own headings, and what the sources do not disclose is listed in its own section.

**Limits (do not over-claim):**
- Summarises public product descriptions; actual coverage is defined by the issued policy wording and endorsements.
- Availability varies by state, industry and underwriting.
- 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.

**Provenance:** Based on the dated public sources listed under Sources on the page; updated 2026-09-23.

**Related pages:**
- [Provider profile](https://thegeneralaverage.com/insurance-providers/pie-insurance) — parent: provider profile

# What Does Workers’ Compensation Insurance from Pie Insurance Cover?

Product: Pie Workers' Comp Insurance. Provider: Pie Insurance. Coverage line: Workers’ Compensation Insurance.

## Quick Answer

Pie Insurance writes workers' compensation for small businesses through its own insurance companies, with quotes available online. [1](https://www.pieinsurance.com/workers-comp "Workers' Comp Insurance for Small Businesses")

## Pie Insurance Workers’ Compensation Insurance at a Glance

| Topic | Evidence | Claims |
| --- | --- | --- |
| Role in This Line | Company-reported | 1 |
| Issuing Insurer | Verified | 1 |
| Who It’s For | Company-reported | 1 |
| Coverage Features | Company-reported | 1 |
| Risk Services | Company-reported | 1 |
| How to Apply | Company-reported | 1 |

## What Is Pie Insurance’s Role in Workers’ Compensation Insurance?

- Pie underwrites workers' compensation itself through its own carrier group, rather than only brokering the line to outside insurers as it does for several of its other small-business products. [1](https://www.pieinsurance.com/workers-comp "Workers' Comp Insurance for Small Businesses") (Evidence: Company-reported; scope: Workers' Comp product page as read on 2026-09-23; restates the provider record's verified insurer-route fact.)

## Who Issues Pie Insurance Workers’ Compensation Insurance?

- AM Best's disclosure report says Pie completed acquiring Pie Casualty Insurance Company in September 2021 and The Pie Insurance Company (formerly The American Insurance Company) in January 2023, and that beginning January 1, 2024, Pie writes 100% of its workers' compensation business through these two entities, part of the pooled Rating Unit 018981 Pie Insurance Group. AM Best affirmed Pie Casualty Insurance Company's Financial Strength Rating at A- (Excellent) and Long-Term Issuer Credit Rating at a- (Excellent), both with a stable outlook, effective April 24, 2026. [2](https://ratings.ambest.com/DisclosurePDF.aspx?AMBNum=12272&PCA=0 "AM Best Rating Disclosure Report — Pie Casualty Insurance Company") (Evidence: Verified; scope: AM Best rating disclosure report (AMB #012272, NAIC #10997) for Pie Casualty Insurance Company; a rating is an opinion of insurer financial strength, not a guarantee a claim will be paid, and reflects the pooled group rather than a standalone assessment of either entity.)

## Who Is Pie Insurance Workers’ Compensation Insurance For?

- Pie says workers' compensation is legally required in nearly all states for businesses with few exceptions, and markets its program to small businesses. [1](https://www.pieinsurance.com/workers-comp "Workers' Comp Insurance for Small Businesses") (Evidence: Company-reported; scope: Workers' Comp product page as read on 2026-09-23.)

## Coverage Features of Pie Insurance Workers’ Compensation Insurance

- Pie describes workers' compensation as a state-mandated program providing medical, disability (typically two-thirds wage replacement), and death benefits for employees injured or killed on the job, while excluding injuries suffered off the job, self-inflicted injuries, policy violations, and injuries from committing a crime. [1](https://www.pieinsurance.com/workers-comp "Workers' Comp Insurance for Small Businesses") (Evidence: Company-reported; scope: Workers' Comp product page as read on 2026-09-23; actual covered/excluded scenarios depend on the issued policy and state law.)

## Pie Insurance Workers’ Compensation Insurance Risk Services

- Pie says it can issue a Certificate of Insurance to show proof of workers' comp coverage, which it notes some industries, such as construction, require before work can begin, and that it performs a post-term premium audit comparing estimated to actual payroll. [1](https://www.pieinsurance.com/workers-comp "Workers' Comp Insurance for Small Businesses") (Evidence: Company-reported; scope: Workers' Comp product page FAQ as read on 2026-09-23.)

## How Do You Apply for Pie Insurance Workers’ Compensation Insurance?

- Pie says getting a quote online requires the applicant's name, business name, annual payroll amount, and class-code information, with a tool available to help identify the correct class code, and advertises a roughly three-minute online quote and up to 30% savings. [1](https://www.pieinsurance.com/workers-comp "Workers' Comp Insurance for Small Businesses") (Evidence: Company-reported; scope: Workers' Comp product page as read on 2026-09-23; quote time and savings figures are company marketing claims, not independently verified, and individual results vary.)

## Pie Insurance vs Other Workers’ Compensation Insurance 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 The Baldwin Group](https://thegeneralaverage.com/compare/baldwin-vs-pie-insurance)
- [Pie Insurance vs biBerk](https://thegeneralaverage.com/compare/biberk-vs-pie-insurance)

## Other Coverage Lines From Pie Insurance

- [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)

## Rankings That Include Pie Insurance

- [Best Workers’ Compensation Insurance for Small Businesses](https://thegeneralaverage.com/best/workers-compensation/small-businesses)

## Related Reading

- [Pie Insurance Profile](https://thegeneralaverage.com/insurance-providers/pie-insurance)
- [Pie Insurance Reliability](https://thegeneralaverage.com/insurance-providers/pie-insurance/reliability)
- [Pie Insurance Alternatives](https://thegeneralaverage.com/insurance-providers/pie-insurance/alternatives)
- [Coverage Guide: Workers’ compensation](https://thegeneralaverage.com/coverage/workers-compensation)

## Sources for Pie Insurance Workers’ Compensation Insurance

1. [Workers' Comp Insurance for Small Businesses](https://www.pieinsurance.com/workers-comp). Pie Insurance; How do I get a workers' comp quote?; What is workers' comp insurance?; What does workers' compensation insurance cover?; Why choose Pie for workers' compensation insurance? Affordable, Simple, Trusted (AM Best A- Excellent); FAQs: how workers' comp works, what's covered/not covered, class codes, NCCI. Accessed 2026-09-23.
2. [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: Financial Strength Rating A- (Excellent), Affiliation Code p (Pooled Rating), Financial Size Category VIII, Outlook Stable, Action Affirmed, Effective Date April 24, 2026; Long-Term Issuer Credit Rating a- (Excellent), same outlook and effective date; page 14 (Additional Regulatory Disclosures, Business Profile: Limited): Rating Unit 018981 Pie Insurance Group; Pie completed the acquisition of Pie Casualty Insurance Company (PCIC) in September 2021 and of The American Insurance Company, renamed The Pie Insurance Company (TPIC), on January 1, 2023; beginning January 1, 2024 Pie started writing 100% of its workers' compensation business through these insurance entities; Pie launched workers' compensation in March 2018 and continues to be a workers' compensation writer in 40 states and the District of Columbia. Accessed 2026-09-23.

## How to Cite This Page

Pie Insurance Workers’ Compensation Insurance: Coverage, Eligibility & Application (2026). The General Average, updated 2026-09-23. https://thegeneralaverage.com/insurance-providers/pie-insurance/workers-compensation. Quote the claim with its numbered source; the issued policy wording, not this page, defines coverage.

Updated 2026-09-23. 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/workers-compensation.md)
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- [Public MCP server](https://spot.insure/mcp)
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