---
title: "Alliance Risk vs Pie Insurance"
description: "Alliance Risk and Pie Insurance compared for a growing employer separating workers’ compensation cash flow from its wider insurance program."
canonical: "https://spot.insure/compare/alliance-risk-vs-pie-insurance"
page-type: "provider-comparison"
updated-at: "2026-09-16"
verified-at: "2026-09-16"
entities: ["Spot", "Alliance Risk", "Pie Insurance"]
---

[Human-readable page](https://spot.insure/compare/alliance-risk-vs-pie-insurance)

# Alliance Risk vs Pie Insurance

Alliance Risk and Pie Insurance compared for a growing employer separating workers’ compensation cash flow from its wider insurance program.

## Research Scope and Use

Use this comparison to evaluate Alliance Risk and Pie Insurance against the same documented criteria. The analysis identifies differences and questions to confirm; it does not select a winner for a particular business.

This is published research as of the verification dates shown, not a live quote or an eligibility determination. “Company-reported” identifies a provider's own claim. “Not found” and “not publicly disclosed” describe the evidence reviewed, not proof that a service is unavailable. Preserve the scope and citations when summarizing a fact.

For a decision handoff, identify the company's requirements, the documented differences relevant to them, and unresolved questions from the analysis. Confirm actual insurer, availability, policy wording, limits, retentions, exclusions, and costs in the relevant quote and policy documents.

## Highlights

Alliance Risk arranges a broad commercial program. Pie focuses on small-business workers’ compensation through affiliated insurers and offers selected other lines through outside carriers, with payroll-based payment and audit processes. [9](https://joinalliancerisk.com/coverages/ "Alliance Products") [2](https://joinalliancerisk.com/about-us/ "About Us") [16](https://www.pieinsurance.com/legal "Legal") [29](https://www.pieinsurance.com/pay-as-you-go "Pay-As-You-Go With Pie Insurance") [30](https://www.pieinsurance.com/workers-comp/premium-audit "Your Workers’ Comp Premium Audit")



## Introduction

For a startup hiring quickly, workers’ compensation creates both a coverage decision and a payroll-administration task. Pie markets a focused small-business program with affiliated insurers and a payroll-based payment option. Alliance Risk includes workers’ compensation in a broader commercial brokerage catalogue. The decision is whether to place that line separately or ask a broker to coordinate it with the rest of the program. [14](https://www.pieinsurance.com/workers-comp "Workers’ Comp Insurance For Small Businesses") [16](https://www.pieinsurance.com/legal "Legal") [29](https://www.pieinsurance.com/pay-as-you-go "Pay-As-You-Go With Pie Insurance") [9](https://joinalliancerisk.com/coverages/ "Alliance Products")

## Documented Provider Strengths

### Alliance Risk

- Technology focus from pre-seed through IPO [1](https://joinalliancerisk.com/technology-insurance/ "Technology Insurance") (Evidence: Company-reported; scope: Alliance Risk public commercial-insurance offering; company statements are not independent verification or buyer-specific policy terms.; verified: 2026-09-16.)
- No-charge technology E&O policy review [10](https://joinalliancerisk.com/technology-errors-omissions-insurance-tech-eo/ "Tech E&O Insurance") (Evidence: Company-reported; scope: Alliance Risk public commercial-insurance offering; company statements are not independent verification or buyer-specific policy terms.; verified: 2026-09-16.)

### Pie Insurance

- Small businesses can start a workers’ compensation quote directly online or through an insurance agent. [13](https://www.pieinsurance.com/about "About Pie Insurance") [12](https://www.pieinsurance.com/ "Pie Insurance") [14](https://www.pieinsurance.com/workers-comp "Workers’ Comp Insurance For Small Businesses") (Evidence: Company-reported; scope: Workers’ compensation access for small businesses and agencies; other product pages direct buyers to quote or contact flows but do not document the same process.; verified: 2026-09-15.)
- Workers’ compensation payment options include pay-as-you-go using reported payroll, with no initial deposit. [28](https://www.pieinsurance.com/payment-options "Payment Options") [29](https://www.pieinsurance.com/pay-as-you-go "Pay-As-You-Go With Pie Insurance") (Evidence: Company-reported; scope: Pie’s current workers’ compensation payment pages; actual availability and policy-specific charges need confirmation in the quote.; verified: 2026-09-15.)

## Coverage Comparison

| Coverage Type | Alliance Risk | Pie Insurance |
| --- | --- | --- |
| Builders risk | Listed [9](https://joinalliancerisk.com/coverages/ "Alliance Products") | Not listed |
| Business owner’s policy | Listed [9](https://joinalliancerisk.com/coverages/ "Alliance Products") | Listed [18](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner’s Policy") |
| Cargo and transit | Listed [9](https://joinalliancerisk.com/coverages/ "Alliance Products") | Not listed |
| Commercial auto | Listed [9](https://joinalliancerisk.com/coverages/ "Alliance Products") | Not listed |
| Commercial property | Listed [9](https://joinalliancerisk.com/coverages/ "Alliance Products") | Not listed |
| Crime | Listed [9](https://joinalliancerisk.com/coverages/ "Alliance Products") | Not listed |
| Cyber liability | Listed [9](https://joinalliancerisk.com/coverages/ "Alliance Products") | Listed [19](https://www.pieinsurance.com/small-business-insurance/cyber-insurance "Cyber Insurance For Small Businesses") |
| Directors and officers | Listed [9](https://joinalliancerisk.com/coverages/ "Alliance Products") | Not listed |
| Employment practices liability | Listed [9](https://joinalliancerisk.com/coverages/ "Alliance Products") | Not listed |
| Equipment breakdown | Listed [9](https://joinalliancerisk.com/coverages/ "Alliance Products") | Not listed |
| Fiduciary liability | Listed [9](https://joinalliancerisk.com/coverages/ "Alliance Products") | Not listed |
| General liability | Listed [9](https://joinalliancerisk.com/coverages/ "Alliance Products") | Listed [21](https://www.pieinsurance.com/small-business-insurance/general-liability "General Liability Insurance") |
| Intellectual property | Listed [1](https://joinalliancerisk.com/technology-insurance/ "Technology Insurance") | Not listed |
| Key person | Listed [9](https://joinalliancerisk.com/coverages/ "Alliance Products") | Not listed |
| Liquor liability | Listed [9](https://joinalliancerisk.com/coverages/ "Alliance Products") | Not listed |
| Management liability | Listed [11](https://joinalliancerisk.com/management-liability-insurance/ "Management Liability Insurance: How D&O, EPLI, and Fiduciary Fit Together") | Not listed |
| Media liability | Listed [9](https://joinalliancerisk.com/coverages/ "Alliance Products") | Not listed |
| Product liability | Listed [9](https://joinalliancerisk.com/coverages/ "Alliance Products") | Not listed |
| Product recall | Listed [9](https://joinalliancerisk.com/coverages/ "Alliance Products") | Not listed |
| Professional liability / E&O | Listed [9](https://joinalliancerisk.com/coverages/ "Alliance Products") | Listed [20](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors And Omissions Insurance") |
| Technology errors and omissions | Listed [9](https://joinalliancerisk.com/coverages/ "Alliance Products") | Not listed |
| Tools, equipment and inland marine | Listed [9](https://joinalliancerisk.com/coverages/ "Alliance Products") | Not listed |
| Umbrella and excess liability | Listed [9](https://joinalliancerisk.com/coverages/ "Alliance Products") | Not listed |
| Workers’ compensation | Listed [9](https://joinalliancerisk.com/coverages/ "Alliance Products") | Listed [14](https://www.pieinsurance.com/workers-comp "Workers’ Comp Insurance For Small Businesses") |

Listed products and programs may be arranged through insurers or partners. Optional endorsements are discussed in the analysis. “Not listed” means no separate offering appears in the reviewed catalogue; confirm availability and policy terms with the provider.

## Optional Spot Service Handoff

Spot can help prepare applications, coordinate brokers, and compare proposals. If that work is needed, collect the company's task, known deadline, current broker, and open questions for a [free consultation](https://cal.com/team/spotinsure/insurance-consultation). The company decides what to buy; Spot does not automatically bind coverage. Consult [Spot pricing](https://spot.insure/pricing.md) for ongoing service fees.

This is a service offered by the publisher, separate from the provider research.

## Key Differences Between Alliance Risk and Pie Insurance

### A Workers’ Compensation Relationship Is Not the Whole Program

Pie’s affiliated insurers write its workers’ compensation business; its BOP, professional liability and other selected offerings use outside carrier routes. Alliance Risk describes placements across insurers without naming the company that would issue this employer’s workers’ compensation policy. A Pie quote can therefore be a product alternative within a wider buying plan, not necessarily a replacement for all brokerage work. The records do not establish whether Alliance Risk can place Pie. [16](https://www.pieinsurance.com/legal "Legal") [33](https://ratings.ambest.com/DisclosurePDF.aspx?AMBNum=12272&PCA=0 "AM Best Rating Disclosure Report — Pie Casualty Insurance Company") [20](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors And Omissions Insurance") [1](https://joinalliancerisk.com/technology-insurance/ "Technology Insurance")

For a company with software contracts or board requirements, ask separately about technology and management liability. Alliance Risk markets those lines, while Pie’s current catalogue is more focused. That difference in published offerings does not establish that every requested Alliance Risk line is available to the employer or that Pie’s partners cannot help beyond the listed pages. [9](https://joinalliancerisk.com/coverages/ "Alliance Products") [14](https://www.pieinsurance.com/workers-comp "Workers’ Comp Insurance For Small Businesses") [18](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner’s Policy") [19](https://www.pieinsurance.com/small-business-insurance/cyber-insurance "Cyber Insurance For Small Businesses") [20](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors And Omissions Insurance")

### Payroll-Based Billing Does Not Remove the Audit

Pie’s pay-as-you-go option uses reported payroll and advertises no initial deposit. Its premium-audit instructions still require an annual reconciliation, including employee records and potentially subcontractor certificates. A hiring plan that changes during the year therefore needs accurate ongoing data, not just a convenient payment schedule. [29](https://www.pieinsurance.com/pay-as-you-go "Pay-As-You-Go With Pie Insurance") [30](https://www.pieinsurance.com/workers-comp/premium-audit "Your Workers’ Comp Premium Audit")

Alliance Risk’s public fee terms permit different payment and service charges but do not establish a comparable payroll-integration service. Ask what payroll reporting, owner treatment and audit assistance are included in its proposed placement. Compare total administration and payment costs against the actual Pie option, rather than assuming all monthly schedules work alike. [3](https://joinalliancerisk.com/terms-conditions/ "Terms & Conditions") [28](https://www.pieinsurance.com/payment-options "Payment Options")

### Use the State Kit for Claims and Availability

Pie publishes workplace-injury reporting channels and policyholder account tools. Its state-footprint descriptions and the agency FAQ’s claims-handler allocation are not fully reconciled. The actual state kit should identify the responsible handler; a national count is not a substitute for a California quote. Alliance Risk’s own product route and broker claims-assistance scope remain unresolved in its reviewed public disclosures. [31](https://www.pieinsurance.com/claims "File Your Claim Within 24 Hours") [26](https://www.pieinsurance.com/resource-center/online-account-tutorial "Online Account Tutorial") [32](https://www.pieinsurance.com/agency/faq "Partner FAQ") [22](https://www.pieinsurance.com/agency/states-we-serve "Workers’ Comp Coverage By State") [5](https://joinalliancerisk.com/insurance-licenses/ "Insurance Licenses") [3](https://joinalliancerisk.com/terms-conditions/ "Terms & Conditions") [7](https://joinalliancerisk.com/contact-us/ "Contact Us")

A fleet addition needs separate attention: Pie says it stopped new and renewal commercial-auto issuance from January 2026, while continuing legacy claims service. Alliance Risk still lists commercial auto. Existing Pie auto paperwork or a claim page should not be mistaken for an available new-auto offer. [25](https://www.pieinsurance.com/claims/comm-auto-faq "Commercial Auto Claim FAQs") [9](https://joinalliancerisk.com/coverages/ "Alliance Products")

## What to Confirm in Quotes

- Which legal insurer accepts the employees’ states, duties and class codes, and is the route direct or through an appointed agent?
- What payroll integration, reporting corrections and annual audit work are required under the chosen payment plan?
- Who supplies certificates, waivers and the current workplace-injury reporting instructions?
- Which broker or partner handles technology, board and vehicle exposures outside the workers’ compensation placement, and what fees apply to that coordination?



## Service Comparison

Alliance Risk vs Pie Insurance: documented services and availability.

| Criteria | Alliance Risk | Pie Insurance |
| --- | --- | --- |
| Business role | Alliance Risk describes itself as an independent commercial insurance brokerage and risk advisor. Its terms and privacy policy identify Alliance Risk Insurance Services LLC as the subsidiary agency. [2](https://joinalliancerisk.com/about-us/ "About Us") [3](https://joinalliancerisk.com/terms-conditions/ "Terms & Conditions") [4](https://joinalliancerisk.com/privacy-policy/ "Privacy Policy") (Evidence: Company-reported; scope: Alliance Risk public commercial-insurance offering; company statements are not independent verification or buyer-specific policy terms.; verified: 2026-09-16.)<br><br>The terms name Alliance Risk Holding Company LLC, while the privacy policy names Alliance Risk, Inc. as the parent. The reviewed disclosures do not resolve that naming discrepancy. [3](https://joinalliancerisk.com/terms-conditions/ "Terms & Conditions") [4](https://joinalliancerisk.com/privacy-policy/ "Privacy Policy") (Evidence: Conflicting sources; scope: Alliance Risk public commercial-insurance offering; company statements are not independent verification or buyer-specific policy terms.; verified: 2026-09-16.) | Pie Insurance is a small-business commercial insurance group whose producer, Pie Insurance Services, sells and administers policies. Its affiliated carriers write workers’ compensation, while selected other products are offered through outside carrier partners. [13](https://www.pieinsurance.com/about "About Pie Insurance") [16](https://www.pieinsurance.com/legal "Legal") [14](https://www.pieinsurance.com/workers-comp "Workers’ Comp Insurance For Small Businesses") [18](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner’s Policy") [19](https://www.pieinsurance.com/small-business-insurance/cyber-insurance "Cyber Insurance For Small Businesses") [20](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors And Omissions Insurance") [21](https://www.pieinsurance.com/small-business-insurance/general-liability "General Liability Insurance") (Evidence: Company-reported; scope: Current public Pie brand and US small-business insurance services; this describes group roles, not a promise that every product is available to every applicant.; verified: 2026-09-15.)<br><br>Pie Group Holdings, Inc. owns the public website and is the regulator-listed parent of Pie Casualty Insurance Company. AM Best identifies the rated carrier group as Pie Insurance Group. [15](https://www.pieinsurance.com/legal/terms-of-use "Terms Of Use") [35](https://insurance.illinois.gov/applications/RegEntPortal/ViewEntityDetails.aspx?en=982281&s=Active&t=INS "Pie Casualty Insurance Company — Entity Details") [33](https://ratings.ambest.com/DisclosurePDF.aspx?AMBNum=12272&PCA=0 "AM Best Rating Disclosure Report — Pie Casualty Insurance Company") (Evidence: Verified; scope: Website ownership and the parent shown for Pie Casualty Insurance Company; no claim about voting control or every intermediate subsidiary.; verified: 2026-09-15.)<br><br>Pie identifies Pie Insurance Services, Inc. as the licensed producer that sells and administers policies; its legal page publishes state licenses but is not a substitute for a current regulator lookup in the buyer’s state. [16](https://www.pieinsurance.com/legal "Legal") [36](https://oci.wi.gov/Pages/PressReleases/AdminActions202401.aspx "Administrative Actions — January 2024") (Evidence: Company-reported; scope: Producer identity and Pie-published US license list; Wisconsin’s regulator separately identifies this entity in a 2024 administrative action.; verified: 2026-09-15.) |
| Application process | The quote page starts with a contact request for company, website, contact details and a message. It advertises a free, no-obligation quote; the visible form does not provide a bindable offer. [6](https://joinalliancerisk.com/get-a-quote/ "Get a Quote") (Evidence: Company-reported; scope: Alliance Risk public commercial-insurance offering; company statements are not independent verification or buyer-specific policy terms.; verified: 2026-09-16.)<br><br>For technology E&O, Alliance Risk requests service details, revenue, employee count, major client contracts, existing coverage, five-year claims history and customer concentration. It says it reviews the current program and approaches specialist carriers. [10](https://joinalliancerisk.com/technology-errors-omissions-insurance-tech-eo/ "Tech E&O Insurance") (Evidence: Company-reported; scope: Alliance Risk public commercial-insurance offering; company statements are not independent verification or buyer-specific policy terms.; verified: 2026-09-16.)<br><br>The general quote page advertises a quote within 24 hours, while the technology page gives 48–72 hours for standard software risks and five to ten business days for hardware, fintech, healthtech and AI. Treat timing as company estimates, not a binding deadline. [6](https://joinalliancerisk.com/get-a-quote/ "Get a Quote") [1](https://joinalliancerisk.com/technology-insurance/ "Technology Insurance") (Evidence: Conflicting sources; scope: Alliance Risk public commercial-insurance offering; company statements are not independent verification or buyer-specific policy terms.; verified: 2026-09-16.) | A small business can start a workers’ compensation quote on Pie’s website or work through an insurance agent; appointed agencies use a separate partner portal. [13](https://www.pieinsurance.com/about "About Pie Insurance") [12](https://www.pieinsurance.com/ "Pie Insurance") [14](https://www.pieinsurance.com/workers-comp "Workers’ Comp Insurance For Small Businesses") (Evidence: Company-reported; scope: Workers’ compensation access for small businesses and agencies; other product pages direct buyers to quote or contact flows but do not document the same process.; verified: 2026-09-15.)<br><br>The live direct quote starts with the business ZIP code. Pie’s workers’ compensation page says applicants also need their name, business name, annual payroll and class-code information. [17](https://quote.pieinsurance.com/ "Pie Insurance — Quote") [14](https://www.pieinsurance.com/workers-comp "Workers’ Comp Insurance For Small Businesses") (Evidence: Company-reported; scope: Unauthenticated first step and Pie’s description of workers’ compensation quote inputs; no data was entered and the flow was not advanced.; verified: 2026-09-15.)<br><br>Pie advertises an online workers’ compensation quote in about three minutes, while expressly stating that individual quote times vary. This is a company claim and does not establish how long underwriting or binding will take for a particular risk. [14](https://www.pieinsurance.com/workers-comp "Workers’ Comp Insurance For Small Businesses") [12](https://www.pieinsurance.com/ "Pie Insurance") (Evidence: Company-reported; scope: Workers’ compensation quote marketing; no timed independent quote test was performed.; verified: 2026-09-15.) |
| Fees and compensation | Alliance Risk’s terms allow service, installment, cancellation and flat fees, and fees or commissions from insurers or other third parties. The terms do not state amounts or commission rates. A free quote does not establish free ongoing service. [3](https://joinalliancerisk.com/terms-conditions/ "Terms & Conditions") [6](https://joinalliancerisk.com/get-a-quote/ "Get a Quote") (Evidence: Company-reported; scope: Alliance Risk public commercial-insurance offering; company statements are not independent verification or buyer-specific policy terms.; verified: 2026-09-16.) | Published workers’ compensation options include annual, semi-annual, quarterly and monthly schedules, plus pay-as-you-go. The monthly schedule requires 16.6% upfront followed by ten monthly payments; pay-as-you-go uses reported payroll and no initial deposit. [28](https://www.pieinsurance.com/payment-options "Payment Options") [29](https://www.pieinsurance.com/pay-as-you-go "Pay-As-You-Go With Pie Insurance") (Evidence: Company-reported; scope: Pie’s current workers’ compensation payment pages; actual availability and policy-specific charges need confirmation in the quote.; verified: 2026-09-15.)<br><br>Pie publishes a 3% credit-card convenience fee for new, single-state workers’ compensation policies, except in Florida, Nebraska, Maryland and Rhode Island. Its page does not describe this fee for multi-state or renewal policies. [28](https://www.pieinsurance.com/payment-options "Payment Options") (Evidence: Company-reported; scope: Credit-card payments for new single-state workers’ compensation policies under the current payment-options page.; verified: 2026-09-15.)<br><br>Pie says each specific or blanket waiver-of-subrogation request carries a charge set by state rules and disclosed individually; the public FAQ does not give a dollar schedule. [27](https://www.pieinsurance.com/workers-comp/resources/frequently-asked-questions "Workers’ Comp FAQs") (Evidence: Not publicly disclosed; scope: Workers’ compensation waiver requests through Pie’s published service process.; verified: 2026-09-15.)<br><br>Pie says partner agents receive commissions on new and renewal workers’ compensation policies, and its legal footer says compensation rates can vary among insurers. The reviewed current pages do not publish the standard rate or the amount attached to a buyer’s policy. [32](https://www.pieinsurance.com/agency/faq "Partner FAQ") [16](https://www.pieinsurance.com/legal "Legal") (Evidence: Not publicly disclosed; scope: Agency-distributed workers’ compensation and other third-party placements; expired promotional incentives were not treated as current standard compensation.; verified: 2026-09-15.) |
| Servicing and renewals | Alliance Risk offers a no-charge review of existing technology E&O policies, including gaps, retroactive dates and market alternatives. This is a company-described service, not evidence of review quality. [10](https://joinalliancerisk.com/technology-errors-omissions-insurance-tech-eo/ "Tech E&O Insurance") (Evidence: Company-reported; scope: Alliance Risk public commercial-insurance offering; company statements are not independent verification or buyer-specific policy terms.; verified: 2026-09-16.)<br><br>Alliance Risk advertises online program access and 24/7 support. Its contact page lists weekday telephone hours of 9am–6pm EST; an after-hours response commitment and renewal timetable were not established in those pages. [8](https://joinalliancerisk.com/ "All In One Insurance Risk Advisory to Protect Your Business") [7](https://joinalliancerisk.com/contact-us/ "Contact Us") (Evidence: Company-reported; scope: Alliance Risk public commercial-insurance offering; company statements are not independent verification or buyer-specific policy terms.; verified: 2026-09-16.) | Pie’s policyholder account tutorial describes payment-method updates, instant or custom workers’ compensation certificates, policy details and downloads for policies, state posters, certificates and endorsements. Agent-served customers may need their agent for a custom certificate. [26](https://www.pieinsurance.com/resource-center/online-account-tutorial "Online Account Tutorial") [27](https://www.pieinsurance.com/workers-comp/resources/frequently-asked-questions "Workers’ Comp FAQs") (Evidence: Company-reported; scope: Published workers’ compensation account tutorial; authenticated features were not accessed or independently tested.; verified: 2026-09-15.)<br><br>Pie requires an annual workers’ compensation premium audit that replaces estimated payroll with actual payroll information. Its audit partner may request payroll and employee records, cash-expense details and subcontractor certificates, so the final premium can differ from the initial estimate. [30](https://www.pieinsurance.com/workers-comp/premium-audit "Your Workers’ Comp Premium Audit") (Evidence: Company-reported; scope: Pie workers’ compensation premium audit process; the page does not quantify any resulting additional charge or refund.; verified: 2026-09-15.)<br><br>Pie says it sends a workers’ compensation renewal quote about 30 days before the current term ends for the policyholder’s review and acceptance. [27](https://www.pieinsurance.com/workers-comp/resources/frequently-asked-questions "Workers’ Comp FAQs") (Evidence: Company-reported; scope: Workers’ compensation renewal timing in the policyholder FAQ; not a guarantee of renewal or unchanged terms.; verified: 2026-09-15.) |
| Claims assistance | The reviewed home, contact, privacy and terms pages do not establish a dedicated claims-reporting procedure or the scope of broker claims advocacy. Privacy references to sharing information with claims participants do not establish who manages a loss. [8](https://joinalliancerisk.com/ "All In One Insurance Risk Advisory to Protect Your Business") [7](https://joinalliancerisk.com/contact-us/ "Contact Us") [4](https://joinalliancerisk.com/privacy-policy/ "Privacy Policy") [3](https://joinalliancerisk.com/terms-conditions/ "Terms & Conditions") (Evidence: Not found in reviewed sources; scope: Reviewed public service and legal pages on 2026-09-16; no customer portal was entered and no claim was submitted. No inference about claims quality or absence of support.; verified: 2026-09-16.) | Pie asks policyholders to report a workplace injury within 24 hours through its online form, 24/7 phone line or email. After intake, it says a claims professional follows up, determines whether the policy covers the claim and explains applicable benefits if accepted. [31](https://www.pieinsurance.com/claims "File Your Claim Within 24 Hours") (Evidence: Company-reported; scope: Published first-report process for Pie-serviced workers’ compensation claims; state notice rules and the issuing carrier’s policy still apply.; verified: 2026-09-15.)<br><br>Pie’s agency FAQ says Pie manages workers’ compensation claims in 34 states and CorVel handles Alaska, Mississippi, Nevada, New Mexico and Oregon. That 39-state split is not reconciled with the separately advertised 40-state-plus-D.C. footprint. [32](https://www.pieinsurance.com/agency/faq "Partner FAQ") [22](https://www.pieinsurance.com/agency/states-we-serve "Workers’ Comp Coverage By State") [33](https://ratings.ambest.com/DisclosurePDF.aspx?AMBNum=12272&PCA=0 "AM Best Rating Disclosure Report — Pie Casualty Insurance Company") (Evidence: Conflicting sources; scope: Public allocation of workers’ compensation claim handling; the current handler for an individual policy should be taken from its state kit and claim instructions.; verified: 2026-09-15.) |

## Related Reading

- [What Is Alliance Risk?](https://spot.insure/insurance-providers/alliance-risk)
- [What Is Pie Insurance?](https://spot.insure/insurance-providers/pie-insurance)

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- [Alliance Risk vs Vouch](https://spot.insure/compare/alliance-risk-vs-vouch)
- [Alliance Risk vs WithCoverage](https://spot.insure/compare/alliance-risk-vs-withcoverage)
- [Amelia Risk vs Pie Insurance](https://spot.insure/compare/amelia-risk-vs-pie-insurance)
- [Armilla vs Pie Insurance](https://spot.insure/compare/armilla-vs-pie-insurance)
- [At-Bay vs Pie Insurance](https://spot.insure/compare/at-bay-vs-pie-insurance)
- [Beazley vs Pie Insurance](https://spot.insure/compare/beazley-vs-pie-insurance)
- [CFC vs Pie Insurance](https://spot.insure/compare/cfc-vs-pie-insurance)
- [Chubb vs Pie Insurance](https://spot.insure/compare/chubb-vs-pie-insurance)
- [Coalition vs Pie Insurance](https://spot.insure/compare/coalition-vs-pie-insurance)
- [Corgi vs Pie Insurance](https://spot.insure/compare/corgi-vs-pie-insurance)
- [Coterie Insurance vs Pie Insurance](https://spot.insure/compare/coterie-vs-pie-insurance)
- [Coverdash vs Pie Insurance](https://spot.insure/compare/coverdash-vs-pie-insurance)
- [Cowbell vs Pie Insurance](https://spot.insure/compare/cowbell-vs-pie-insurance)
- [Embroker vs Pie Insurance](https://spot.insure/compare/embroker-vs-pie-insurance)
- [Founder Shield vs Pie Insurance](https://spot.insure/compare/foundershield-vs-pie-insurance)
- [Gallagher vs Pie Insurance](https://spot.insure/compare/gallagher-vs-pie-insurance)
- [Harper vs Pie Insurance](https://spot.insure/compare/harper-vs-pie-insurance)
- [Heffernan vs Pie Insurance](https://spot.insure/compare/heffernan-vs-pie-insurance)
- [Hiscox vs Pie Insurance](https://spot.insure/compare/hiscox-vs-pie-insurance)
- [HUB International vs Pie Insurance](https://spot.insure/compare/hub-international-vs-pie-insurance)
- [Kinro vs Pie Insurance](https://spot.insure/compare/kinro-vs-pie-insurance)
- [Layr vs Pie Insurance](https://spot.insure/compare/layr-vs-pie-insurance)
- [Lockton vs Pie Insurance](https://spot.insure/compare/lockton-vs-pie-insurance)
- [Marsh vs Pie Insurance](https://spot.insure/compare/marsh-vs-pie-insurance)
- [Mylo vs Pie Insurance](https://spot.insure/compare/mylo-vs-pie-insurance)
- [Newfront vs Pie Insurance](https://spot.insure/compare/newfront-vs-pie-insurance)
- [ERGO NEXT Insurance vs Pie Insurance](https://spot.insure/compare/next-insurance-vs-pie-insurance)
- [Pie Insurance vs Relm Insurance](https://spot.insure/compare/pie-insurance-vs-relm)
- [Pie Insurance vs Resilience](https://spot.insure/compare/pie-insurance-vs-resilience)
- [Pie Insurance vs RiskCube](https://spot.insure/compare/pie-insurance-vs-riskcube)
- [Pie Insurance vs Risklytics Insurance](https://spot.insure/compare/pie-insurance-vs-risklytics)
- [Pie Insurance vs StartupInsurance.ai](https://spot.insure/compare/pie-insurance-vs-startupinsurance)
- [Pie Insurance vs TechInsurance](https://spot.insure/compare/pie-insurance-vs-techinsurance)
- [Pie Insurance vs The Hartford](https://spot.insure/compare/pie-insurance-vs-the-hartford)
- [Pie Insurance vs Travelers Insurance](https://spot.insure/compare/pie-insurance-vs-travelers)
- [Pie Insurance vs USI](https://spot.insure/compare/pie-insurance-vs-usi)
- [Pie Insurance vs Vouch](https://spot.insure/compare/pie-insurance-vs-vouch)
- [Pie Insurance vs WithCoverage](https://spot.insure/compare/pie-insurance-vs-withcoverage)

## Sources

### [Alliance Risk Official Website](https://joinalliancerisk.com/)

1. [Technology Insurance](https://joinalliancerisk.com/technology-insurance/). Alliance Risk; What is Technology Insurance?; Types of Technology; Types of Coverage; startup placement introduction; quote documents and process. Accessed 2026-09-16.
2. [About Us](https://joinalliancerisk.com/about-us/). Alliance Risk; Our Story. Accessed 2026-09-16.
3. [Terms & Conditions](https://joinalliancerisk.com/terms-conditions/). Alliance Risk; Sections 1, 4, 5, 17 and 18; last updated October 30, 2024. Accessed 2026-09-16.
4. [Privacy Policy](https://joinalliancerisk.com/privacy-policy/). Alliance Risk; Sections 1, 4, 5 and 13; revised October 30, 2024. Accessed 2026-09-16.
5. [Insurance Licenses](https://joinalliancerisk.com/insurance-licenses/). Alliance Risk; CA entry; site footer producer trade name and NPN. Accessed 2026-09-16.
6. [Get a Quote](https://joinalliancerisk.com/get-a-quote/). Alliance Risk; Request form; Why Alliance Risk?; Prefer to Call?. Accessed 2026-09-16.
7. [Contact Us](https://joinalliancerisk.com/contact-us/). Alliance Risk; Talk to an Expert; Prefer to Call?. Accessed 2026-09-16.
8. [All In One Insurance Risk Advisory to Protect Your Business](https://joinalliancerisk.com/). Alliance Risk; Why Us?; footer brokerage disclosure. Accessed 2026-09-16.
9. [Alliance Products](https://joinalliancerisk.com/coverages/). Alliance Risk; Coverages product cards, from Accountant Professional Liability through Wrap-Up Insurance. Accessed 2026-09-16.
10. [Tech E&O Insurance](https://joinalliancerisk.com/technology-errors-omissions-insurance-tech-eo/). Alliance Risk; Opening placement description; Get Your Tech E&O Risk Review; What We Need for Your Quote; Policy Review. Accessed 2026-09-16.
11. [Management Liability Insurance: How D&O, EPLI, and Fiduciary Fit Together](https://joinalliancerisk.com/management-liability-insurance/). Alliance Risk; Closing offer to recommend a package or standalone approach; three core lines. Accessed 2026-09-16.

### [Pie Insurance Official Website](https://www.pieinsurance.com/)

12. [Pie Insurance](https://www.pieinsurance.com/). Pie Insurance; Homepage: small-business audience; direct workers’ compensation quote; online account; footer entity, insurer and availability qualifications. Accessed 2026-09-15.
13. [About Pie Insurance](https://www.pieinsurance.com/about). Pie Insurance; About Pie; direct and agency distribution; footer legal disclosure. Accessed 2026-09-15.
14. [Workers’ Comp Insurance For Small Businesses](https://www.pieinsurance.com/workers-comp). Pie Insurance; Quote inputs; coverage description; company-reported quote-time and savings qualifications; AM Best link. Accessed 2026-09-15.
15. [Terms Of Use](https://www.pieinsurance.com/legal/terms-of-use). Pie Insurance; Updated 26 April 2022; Ownership and Agreement to Terms; geographic and product eligibility; policy controls coverage. Accessed 2026-09-15.
16. [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.
17. [Pie Insurance — Quote](https://quote.pieinsurance.com/). Pie Insurance; Live unauthenticated first step: Business ZIP Code; inspected without entering data or advancing. Accessed 2026-09-15.
18. [Business Owner’s Policy](https://www.pieinsurance.com/small-business-insurance/business-owners-policy). Pie Insurance; BOP definition; typical components; invitation to start a BOP quote; footer third-party insurer qualification. Accessed 2026-09-15.
19. [Cyber Insurance For Small Businesses](https://www.pieinsurance.com/small-business-insurance/cyber-insurance). Pie Insurance; First- and third-party descriptions; carrier-partner quote invitation; policy-variation qualification. Accessed 2026-09-15.
20. [Errors And Omissions Insurance](https://www.pieinsurance.com/errors-and-omissions-insurance). Pie Insurance; E&O and professional-liability equivalence; typical claims; carrier-partner placement statement; footer third-party insurer qualification. Accessed 2026-09-15.
21. [General Liability Insurance](https://www.pieinsurance.com/small-business-insurance/general-liability). Pie Insurance; Typical covered categories; carrier-partner quote invitation; footer third-party insurer qualification. Accessed 2026-09-15.
22. [Workers’ Comp Coverage By State](https://www.pieinsurance.com/agency/states-we-serve). Pie Insurance; Headline says 40 states and the District of Columbia; rendered state selector listed 39 state names and omitted New York and D.C.. Accessed 2026-09-15.
23. [Agency Document Library](https://www.pieinsurance.com/agency/document-library). Pie Insurance; Workers’ Comp State Documents: 40 named states plus Washington, D.C.. Accessed 2026-09-15.
24. [Pie Insurance Reports Strong 2025](https://www.pieinsurance.com/resource-center/press/2025-year-in-review). Pie Insurance; 13 January 2026 release; Key 2025 Milestones says 39 states plus Washington, D.C.; company and distribution description. Accessed 2026-09-15.
25. [Commercial Auto Claim FAQs](https://www.pieinsurance.com/claims/comm-auto-faq). Pie Insurance; Does Pie offer commercial auto insurance?; submission cutoff 1 December 2025; no new or renewal policies on or after 1 January 2026; legacy claim guidance. Accessed 2026-09-15.
26. [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.
27. [Workers’ Comp FAQs](https://www.pieinsurance.com/workers-comp/resources/frequently-asked-questions). Pie Insurance; Certificates; waiver request timing and state-dependent charge; billing and payments; renewal timing; annual audit; claims. Accessed 2026-09-15.
28. [Payment Options](https://www.pieinsurance.com/payment-options). Pie Insurance; Annual, semi-annual, quarterly, monthly and pay-as-you-go schedules; payment methods; 3% card fee and state exceptions. Accessed 2026-09-15.
29. [Pay-As-You-Go With Pie Insurance](https://www.pieinsurance.com/pay-as-you-go). Pie Insurance; No initial deposit; actual-payroll monthly premium; automatic deductions; payroll-provider coordination. Accessed 2026-09-15.
30. [Your Workers’ Comp Premium Audit](https://www.pieinsurance.com/workers-comp/premium-audit). Pie Insurance; Required annual audit; estimated versus actual payroll; audit partner; requested payroll, employee, cash-expense and subcontractor certificate records. Accessed 2026-09-15.
31. [File Your Claim Within 24 Hours](https://www.pieinsurance.com/claims). Pie Insurance; Workers’ compensation reporting by online form, 24/7 phone or email; information requested; post-report coverage determination. Accessed 2026-09-15.
32. [Partner FAQ](https://www.pieinsurance.com/agency/faq). Pie Insurance; Workers’ compensation claim handling in 34 states; CorVel handling in Alaska, Mississippi, Nevada, New Mexico and Oregon; producer commissions on earned premium. Accessed 2026-09-15.
33. [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: A- (Excellent), Stable, affirmed 24 April 2026; page 14: rating unit, group insurer acquisitions, 100% workers’ compensation writing through PCIC and TPIC from 1 January 2024, 40 states and D.C.. Accessed 2026-09-15.
34. [The Pie Insurance Company — Company Details](https://insurance.mo.gov/find-insurance-company/company-details?id=104347111). Missouri Department of Commerce and Insurance; Company name; active license status; NAIC 21857; property-and-casualty authority; 2025 workers’ compensation market data. Accessed 2026-09-15.
35. [Pie Casualty Insurance Company — Entity Details](https://insurance.illinois.gov/applications/RegEntPortal/ViewEntityDetails.aspx?en=982281&s=Active&t=INS). Illinois Department of Insurance; Legal name; P&C Domestic Stock; active status; NAIC 10997; Pie Group Holdings, Inc. parent. Accessed 2026-09-15.
36. [Administrative Actions — January 2024](https://oci.wi.gov/Pages/PressReleases/AdminActions202401.aspx). Wisconsin Office of the Commissioner of Insurance; Allegations and Actions Against Companies: Pie Insurance Services, Inc. agreed to add a disclaimer to its “save up to 30%” advertising claim after misleading-advertising allegations. Accessed 2026-09-15.

Updated 2026-09-16. Last verified 2026-09-16. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

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