--- title: "AIG vs Pie Insurance: Workers’ Compensation Insurance" description: "AIG describes retained-risk programs; Pie underwrites workers’ compensation through its own carrier group and offers an online payroll-based quote." canonical: "https://spot.insure/compare/aig-vs-pie-insurance/workers-compensation" page-type: "line-comparison" updated-at: "2026-09-30" comparison-pair: "aig-vs-pie-insurance" provider-a: "aig" provider-b: "pie-insurance" coverage-line: "workers-compensation" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot 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://spot.insure/compare/aig-vs-pie-insurance/workers-compensation) ## Agent Guide **What this page is:** Focused comparison of AIG and Pie Insurance for Workers’ Compensation Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources. **Use this page when:** Cite or fetch this for Workers’ Compensation Insurance questions about AIG versus Pie Insurance. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide. **Questions this page answers:** - AIG vs Pie Insurance for Workers’ Compensation Insurance: how do they differ? - Which is better for Workers’ Compensation Insurance, AIG or Pie Insurance? - What does AIG or Pie Insurance publish about Workers’ Compensation Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for Workers’ Compensation Insurance from AIG or Pie Insurance? **Key facts:** - Line: Workers’ Compensation Insurance. Providers: AIG and Pie Insurance. - Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion. - Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL. **Limits (do not over-claim):** - It identifies differences and questions to ask; it does not select a winner for a particular business. - "Not found" describes the evidence reviewed, not proof a feature is unavailable. - Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here. **Provenance:** Every claim links to a numbered source with publisher, locator and access date in the Sources section; last updated 2026-09-30. Editorial policy: /editorial-policy. **Related pages:** - [AIG vs Pie Insurance](https://spot.insure/compare/aig-vs-pie-insurance) — parent: all coverage lines for this pair - [Workers’ Compensation Insurance guide](https://spot.insure/coverage/workers-compensation) — coverage explainer for this line - [AIG profile](https://spot.insure/insurance-providers/aig) — provider profile (evidence) - [Pie Insurance profile](https://spot.insure/insurance-providers/pie-insurance) — provider profile (evidence) - [AIG vs Pie Insurance Cyber Insurance](https://spot.insure/compare/aig-vs-pie-insurance/cyber) — sibling comparison (other line, or other pair for this line) - [AIG vs Pie Insurance General Liability Insurance](https://spot.insure/compare/aig-vs-pie-insurance/general-liability) — sibling comparison (other line, or other pair for this line) - [AIG vs Pie Insurance Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-pie-insurance/professional-errors-omissions) — sibling comparison (other line, or other pair for this line) - [AIG vs Alliance Risk Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-alliance-risk/workers-compensation) — sibling comparison (other line, or other pair for this line) - [AIG vs Amelia Risk Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-amelia-risk/workers-compensation) — sibling comparison (other line, or other pair for this line) - [AIG vs Aon Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-aon/workers-compensation) — sibling comparison (other line, or other pair for this line) - [AIG vs The Baldwin Group Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-baldwin/workers-compensation) — sibling comparison (other line, or other pair for this line) - [AIG vs biBerk Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-biberk/workers-compensation) — sibling comparison (other line, or other pair for this line) - [AIG vs Chubb Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-chubb/workers-compensation) — sibling comparison (other line, or other pair for this line) # AIG vs Pie Insurance: How Do They Compare for Workers’ Compensation Insurance? AIG describes retained-risk programs; Pie underwrites workers’ compensation through its own carrier group and offers an online payroll-based quote. ## Research Scope and Use Use this comparison to evaluate AIG and Pie Insurance for Workers’ Compensation Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote. ## Summary Pie says it underwrites the line through its carrier group, requests payroll and class codes online, and audits actual payroll after the policy term. AIG describes customized retained-risk structures; compare the named insurer and audit terms. [3](https://www.aig.com/home/risk-solutions/business/casualty "Casualty Insurance - Business Casualty Risk Solutions | AIG US") [6](https://www.pieinsurance.com/workers-comp "Workers' Comp Insurance for Small Businesses") ## What Is AIG? AIG is the marketing name for American International Group, Inc.; AIG says its insurance products are written or provided by subsidiaries or affiliates. Its U.S. business pages list commercial casualty, property, cyber, management and professional liability, and specialty programs, but a brand-level page does not identify the insurer for a particular policy. [1](https://www.aig.com/investor-relations "Investor Relations") [2](https://www.aig.com/home/risk-solutions/business "Business") [AIG profile](https://spot.insure/insurance-providers/aig) ## What Is Pie Insurance? Pie suits small businesses seeking workers’ compensation with online quoting and pay-as-you-go billing based on reported payroll, without an initial deposit; firms needing a broad technology or executive program should look elsewhere. [5](https://www.pieinsurance.com/legal "Legal") [6](https://www.pieinsurance.com/workers-comp "Workers' Comp Insurance for Small Businesses") [7](https://www.pieinsurance.com/resource-center/online-account-tutorial "Online Account Tutorial") [Pie Insurance profile](https://spot.insure/insurance-providers/pie-insurance) ## What Is Workers’ Compensation Insurance? Workers’ compensation can pay medical care and part of an employee’s lost wages after a work-related injury or illness. If you have staff, check who is covered in each state; owners, contractors and some workers may be treated differently. [9](https://content.naic.org/insurance-topics/workers%27-compensation-insurance "Workers’ Compensation Insurance") [10](https://content.naic.org/consumer/small-business.htm "Small Business Insurance") [11](https://www.dir.ca.gov/dwc/Employer.htm "DWC employer information") [12](https://www.tdi.texas.gov/wc/employer/index.html "Employer resources") ## Key Differences in Workers’ Compensation Insurance ### Underwriting and risk financing Pie says it underwrites workers’ compensation through its own carrier group and identifies the entities writing its business. AIG describes customized programs using deductibles, retentions, captives, or retrospective structures. Ask Pie which group entity will issue your policy and AIG whether a retained-risk arrangement applies. [3](https://www.aig.com/home/risk-solutions/business/casualty "Casualty Insurance - Business Casualty Risk Solutions | AIG US") [6](https://www.pieinsurance.com/workers-comp "Workers' Comp Insurance for Small Businesses") ### Quote inputs and payroll audit Pie requests payroll and class-code information for its online quote, offers help identifying a class code, and says it audits estimated against actual payroll after the term. AIG’s reviewed claims describe program scope and retained-risk structures, not an online quote or audit workflow. Ask Pie which records the audit needs and AIG what payroll reporting applies. [3](https://www.aig.com/home/risk-solutions/business/casualty "Casualty Insurance - Business Casualty Risk Solutions | AIG US") [6](https://www.pieinsurance.com/workers-comp "Workers' Comp Insurance for Small Businesses") ## What to Confirm in Workers’ Compensation Insurance Quotes - Ask Pie which carrier-group entity will issue the policy and what payroll documents its audit requires; ask AIG for the named insurer and premium-adjustment method. [3](https://www.aig.com/home/risk-solutions/business/casualty "Casualty Insurance - Business Casualty Risk Solutions | AIG US") [6](https://www.pieinsurance.com/workers-comp "Workers' Comp Insurance for Small Businesses") ## Offering Details | Criteria | AIG Workers’ Compensation Insurance | Pie Workers' Comp Insurance | | --- | --- | --- | | Role in This Line | Confirm in your quote. | 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. [6](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..) | | Issuing Insurer | Confirm in your quote. | 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. [8](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 It’s For | AIG Risk Management describes customized workers’ compensation program structures for sophisticated organizations that retain portions of their risk through deductibles, self-insured retentions, captives or retrospective programs. [3](https://www.aig.com/home/risk-solutions/business/casualty "Casualty Insurance - Business Casualty Risk Solutions | AIG US") (Evidence: Company-reported; scope: AIG Risk Management structures for sophisticated organizations that retain some risk. Claim limitation: The source does not connect the separate general casualty risk-consulting/loss-control section to these workers’ compensation structures; it does not establish universal small-business availability, a specific issuing entity or state availability. Section limitation: Company marketing does not substitute for the issued policy, state-specific forms or entity-level confirmation..) | Pie says workers' compensation is legally required in nearly all states for businesses with few exceptions, and markets its program to small businesses. [6](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 | AIG includes workers’ compensation in corporate casualty solutions for organizations across sectors and sizes. [3](https://www.aig.com/home/risk-solutions/business/casualty "Casualty Insurance - Business Casualty Risk Solutions | AIG US") (Evidence: Company-reported; scope: AIG corporate casualty segment. Claim limitation: Does not identify specific issuing entity or all states. Section limitation: Company marketing does not substitute for the issued policy, state-specific forms or entity-level confirmation..)

AIG lists workers compensation among the coverages in its nationwide Motorsports Program for motorsports owners, tracks and teams. [4](https://www.aig.com/home/risk-solutions/business/aig-programs "AIG Programs Insurance | AIG US") (Evidence: Company-reported; scope: AIG Programs MotorSports Program. Claim limitation: This is a single niche program; it does not establish availability to other employers. Section limitation: Company marketing does not substitute for the issued policy, state-specific forms or entity-level confirmation..) | 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. [6](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..) | | Risk Services | Confirm in your quote. | 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. [6](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 to Apply | Confirm in your quote. | 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. [6](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..) | ## Full Comparison - [AIG vs Pie Insurance](https://spot.insure/compare/aig-vs-pie-insurance): all coverage lines, business roles, service and claims. - [What Is Workers’ Compensation Insurance?](https://spot.insure/coverage/workers-compensation): Workers’ compensation can pay medical care, rehabilitation and lost wages after an employee’s work-related injury or illness; state rules determine who must be covered. - [AIG vs Pie Insurance Cyber Insurance](https://spot.insure/compare/aig-vs-pie-insurance/cyber) - [AIG vs Pie Insurance General Liability Insurance](https://spot.insure/compare/aig-vs-pie-insurance/general-liability) - [AIG vs Pie Insurance Professional Liability (E&O) Insurance](https://spot.insure/compare/aig-vs-pie-insurance/professional-errors-omissions) - [AIG vs Alliance Risk Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-alliance-risk/workers-compensation) - [AIG vs Amelia Risk Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-amelia-risk/workers-compensation) - [AIG vs Aon Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-aon/workers-compensation) - [AIG vs The Baldwin Group Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-baldwin/workers-compensation) - [AIG vs biBerk Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-biberk/workers-compensation) - [AIG vs Chubb Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-chubb/workers-compensation) ## Sources ### AIG 1. [Investor Relations](https://www.aig.com/investor-relations). American International Group, Inc. (AIG); About AIG and legal footer; lines 244–246 and 327–331. Accessed 2026-09-28. 2. [Business](https://www.aig.com/home/risk-solutions/business). AIG US; Surplus Lines heading and paragraph, lines 357–359. Accessed 2026-09-28. 3. [Casualty Insurance - Business Casualty Risk Solutions | AIG US](https://www.aig.com/home/risk-solutions/business/casualty). AIG US; Corporate Accounts; Truck Insurance; AIG Risk Management; AIG Risk Management program structures, lines 293–297. Accessed 2026-09-28. 4. [AIG Programs Insurance | AIG US](https://www.aig.com/home/risk-solutions/business/aig-programs). AIG US; MotorSports Program, coverage specifics and location (lines 526–543). Accessed 2026-09-28. ### Pie Insurance 5. [Legal](https://www.pieinsurance.com/legal). Pie Insurance; State Licenses; footer disclosure naming producer and workers’ compensation versus third-party underwriting roles. Accessed 2026-09-15. 6. [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. 7. [Online Account Tutorial](https://www.pieinsurance.com/resource-center/online-account-tutorial). Pie Insurance; Payment-method updates; instant and custom certificates; policy information; document access; agent-handled custom certificate qualification. Accessed 2026-09-15. 8. [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. ### Workers’ Compensation Insurance Guide 9. [Workers’ Compensation Insurance](https://content.naic.org/insurance-topics/workers%27-compensation-insurance). National Association of Insurance Commissioners; Opening definition; mandatory coverage except Texas opt-in; exclusive remedy; monopolistic state funds; self-insurance note. Accessed 2026-09-16. 10. [Small Business Insurance](https://content.naic.org/consumer/small-business.htm). National Association of Insurance Commissioners; Typically covers medical expenses, rehabilitation costs and lost wages; check with your state insurance department; ask these questions / who qualifies as a covered employee (contractors, part-time staff, interns); payroll and type-of-work rating factors. Accessed 2026-09-16. 11. [DWC employer information](https://www.dir.ca.gov/dwc/Employer.htm). California Department of Industrial Relations, Division of Workers’ Compensation; Opening trade-off and California requirement; basic benefits including medical care, temporary and permanent disability, supplemental job displacement, return-to-work supplement and death benefits; out-of-state employer note. Accessed 2026-09-16. 12. [Employer resources](https://www.tdi.texas.gov/wc/employer/index.html). Texas Department of Insurance, Division of Workers’ Compensation; In Texas, private employers can choose to carry workers’ compensation insurance coverage, but it is not required in most cases; lost wages and medical benefits; except when gross negligence results in a fatality, coverage limits liability. Accessed 2026-09-16. Updated 2026-09-30. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source. ## AIG Reviews Review Score: 4.4 / 10 from 2 rated sources, equally weighted. Customer ratings for AIG are low: Trustpilot shows 1.9 out of 5 from 252 reviews, and NerdWallet gives 2.5 stars and notes more claims complaints than expected. These pages cover many AIG products and countries, so they only loosely describe business insurance. - NerdWallet: NerdWallet editorial rating 2.5 (stars). NerdWallet’s editorial business-insurance comparison; the AIG entry concerns commercial liability and property insurance, not a quantified policyholder-review sample. The page’s complaint statement and 2.5-star editorial rating are source-specific and must not be recast as a consumer average. Checked 2026-09-29. [Business Insurance: Get Quotes and Coverage Today](https://www.nerdwallet.com/business/insurance/best) - Trustpilot: Trustpilot TrustScore 1.9 (out of 5); 252 reviews. Consumer reviews on aig.com’s Trustpilot profile span products and countries, including personal, travel, device/service and other experiences; they do not isolate U.S. commercial-P&C policyholders or a single issuing insurer. Checked 2026-09-29. [AIG Reviews](https://www.trustpilot.com/review/aig.com) - ConsumerAffairs: ConsumerAffairs average 1.0 (out of 5); 274 reviews. ConsumerAffairs page titled AIG Life Insurance Reviews, updated 2026-08-14. The page mixes life and high-net-worth home references and reviewers may describe other AIG relationships; it is not a commercial-P&C-only population. Checked 2026-09-29. [AIG Life Insurance Reviews](https://www.consumeraffairs.com/insurance/aig_life.html) - BBB: Complaints shown, prior 3 years 270. BBB’s American International Group, Inc. headquarters profile and corporate-owned locations (86 listed locations); complaint data is not limited to commercial insurance or a particular risk-bearing insurer. BBB says displayed complaint text may not represent every complaint. Period: Three years ending as displayed 2026-09-29. Checked 2026-09-29. [American International Group, Inc. (AIG) BBB Complaints](https://www.bbb.org/us/ny/new-york/profile/insurance-companies/american-international-group-inc-aig-0121-1515/complaints) Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/aig/reviews). ## Pie Insurance Reviews Review Score: 1.7 / 10 from 2 rated sources, equally weighted. Pie’s service record raises clear concerns: elevated regulator complaints reported by NerdWallet, 1.7/5 on Trustpilot and an F from BBB. Investigate billing, cancellation and complaint handling before buying. - Trustpilot: TrustScore 1.7 (5 stars); 666 reviews. Brand-level Trustpilot consumer reviews; policy product is generally identified as workers’ compensation, but reviewer policy/entity scope varies. Checked 2026-09-25. [Pie Insurance Reviews - Trustpilot](https://www.trustpilot.com/review/www.pieinsurance.com) - BBB: BBB Rating F (BBB letter grade). BBB profile for commercial insurance services; BBB grade and complaint-response record, not policy performance measure. Period: BBB profile reports 15 complaints filed, 13 unanswered; complaint data, not reviews. Checked 2026-09-25. [Pie Insurance Services | BBB Business Profile](https://www.bbb.org/us/dc/washington/profile/commercial-insurance-services/pie-insurance-services-0241-236060990) Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/pie-insurance/reviews). ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/aig-vs-pie-insurance/workers-compensation.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://spot.insure/llms.txt)