Shopping NEXT Insurance against Pie Insurance is a good instinct — they’re both legitimate options, and the honest answer to “which is better” is almost always “for which business?” As an independent agency we quote both, so you compare real numbers instead of reputations. Get multiple quotes within minutes.

How they compare

Two digital-first carriers built for small business, with different centers of gravity. NEXT is broadest — instant quotes, digital certificates, and bundling comp with GL and other lines in one app. Pie is a comp specialist — it exists to underwrite workers’ comp sharply, and for the classes it wants, its pricing is frequently the one to beat. If you want one digital home for every policy, NEXT usually fits; if you’re purely price-shopping comp in a class Pie likes, Pie often wins the quote.

What actually decides it

• Your class code: appetite differences between carriers dwarf brand differences — the “cheaper” carrier flips by class
• Your state: filed rates vary by state; a carrier that wins in NJ may lose in FL
• Your experience mod: a clean mod earns credits at both; a rough one changes who’ll even quote
• Billing fit: pay-as-you-go options differ — they matter for seasonal and variable payrolls

Read the full reviews

Deep-dives on each: NEXT Insurance workers’ comp review and Pie Insurance workers’ comp review. Or skip straight to numbers — we’ll quote both side by side.

Frequently asked questions

Is NEXT Insurance or Pie Insurance cheaper for workers’ comp?

It depends on your class code, state, and experience mod — each carrier’s filed rates and appetite differ enough that the winner flips business by business. The only reliable answer is quoting both, which we do in one pass.

Can I get quotes from both at once?

Yes — that’s the point of an independent agency. One submission, multiple carrier quotes, one side-by-side answer.

Stop guessing — see both prices. Get multiple quotes within minutes.