CARRIER PARTNER
Pie Insurance Workers’ Compensation
A data-driven insurtech built to make small-business workers’ comp cheaper and simpler — quoted alongside our traditional carriers.
Founded
2017
AM Best Rating
A- rated paper
Best For
Price-focused small business
Pay-As-You-Go
Yes
About Pie Insurance
Pie Insurance launched in 2017 with a single thesis: small-business workers’ comp was overpriced and overcomplicated, and better data could fix both. Pie uses analytics-driven underwriting to segment risk more finely than traditional bureau rating, and passes the difference through as lower premium on the accounts it wants.
Policies are issued on A–rated carrier paper, so the insurtech experience sits on a conventionally regulated and rated insurance foundation. For eligible classes, Pie is regularly one of the least expensive quotes on our comparison — sometimes by double digits.
Why businesses choose Pie Insurance
Data-driven pricing
Analytics-based underwriting that can undercut bureau rates significantly for well-run businesses in eligible classes.
Fast digital experience
Quotes in minutes, electronic documents, and same-day certificates — the process is built for speed.
A–rated security
Coverage is written on A–rated insurer paper, so the modern front end is backed by rated, regulated insurance.
Small-premium friendly
Comfortable with the micro accounts — one to ten employees — that many standard carriers price defensively.
Billing and pay-as-you-go options
Pie offers monthly billing and pay-as-you-go style payment options with low money down, in keeping with its small-business focus. Certificates and policy documents are handled digitally, and mid-term payroll changes are easy to process.
Who Pie Insurance fits best
Pie is at its best for price-sensitive small businesses in its eligible class codes — offices, retail, restaurants, and many service and light-trade classes with reasonable loss history. Complex, multi-state, or high-hazard accounts fall outside its appetite, and that’s where our traditional markets step in.
Is Pie Insurance the right carrier for your business?
No single carrier wins every class code in every state. As an independent agency, we quote Pie Insurance head-to-head against the rest of our carrier lineup — so you see who actually prices your payroll best.
Pie Insurance workers’ comp FAQs
Is Pie Insurance legit for workers’ comp?
Yes. Pie is an insurtech founded in 2017 whose policies are issued on A–rated carrier paper, meaning coverage is fully regulated and rated. Its data-driven pricing is often among the lowest for eligible small businesses.
How much can Pie save on workers’ comp?
Savings depend on your class code, state, and history — but for well-run small businesses in Pie’s appetite, its quotes frequently come in meaningfully below bureau-rated carriers. We show you the actual comparison rather than an advertised percentage.
How do I get a Pie quote?
Provident Financial Group quotes Pie alongside traditional carriers like The Hartford and Travelers in one application — call 866-964-6660 or request a quote online.
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