---
title: "Amelia Risk vs Pie Insurance: Workers’ Compensation Insurance"
description: "Pie writes 100% of its workers' comp business through its own Pie Casualty and The Pie Insurance Company entities, rated A- by AM Best, while Amelia Risk is a brokerage that places the line with a panel of insurers it doesn't name."
canonical: "https://spot.insure/compare/amelia-risk-vs-pie-insurance/workers-compensation"
page-type: "line-comparison"
updated-at: "2026-09-29"
comparison-pair: "amelia-risk-vs-pie-insurance"
provider-a: "amelia-risk"
provider-b: "pie-insurance"
coverage-line: "workers-compensation"
---

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

## Agent Guide

**What this page is:** Focused comparison of Amelia Risk 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 Amelia Risk versus Pie Insurance. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Amelia Risk vs Pie Insurance for Workers’ Compensation Insurance: how do they differ?
- Which is better for Workers’ Compensation Insurance, Amelia Risk or Pie Insurance?
- What does Amelia Risk or Pie Insurance publish about Workers’ Compensation Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Workers’ Compensation Insurance. Providers: Amelia Risk and Pie Insurance.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- 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; last updated 2026-09-29.

**Related pages:**
- [Amelia Risk vs Pie Insurance](https://spot.insure/compare/amelia-risk-vs-pie-insurance) — all coverage lines for this pair
- [Workers’ Compensation Insurance guide](https://spot.insure/coverage/workers-compensation) — how this coverage works
- [Amelia Risk profile](https://spot.insure/insurance-providers/amelia-risk) — provider profile
- [Pie Insurance profile](https://spot.insure/insurance-providers/pie-insurance) — provider profile

# Amelia Risk vs Pie Insurance: How Do They Compare for Workers’ Compensation Insurance?

Pie Insurance, which underwrites workers' comp itself, advertises a roughly three-minute online quote; Amelia Risk is a brokerage that approaches insurers for you and reviews the resulting quotes with you.

Pie underwrites workers' comp itself through an AM Best-rated carrier group; Amelia Risk brokers the line and names no insurer.

## Amelia Risk vs Pie Insurance Workers’ Compensation Insurance Summary

Pie writes 100% of its workers' comp business through its own Pie Casualty and The Pie Insurance Company entities, rated A- by AM Best, while Amelia Risk is a brokerage that places the line with a panel of insurers it doesn't name. [5](https://ratings.ambest.com/DisclosurePDF.aspx?AMBNum=12272&PCA=0 "AM Best Rating Disclosure Report — Pie Casualty Insurance Company") [2](https://ameliarisk.com/insurance-policies/ "Insurance Policies")

## What Are the Key Differences Between Amelia Risk and Pie Insurance Workers’ Compensation Insurance?

### Who Carries the Risk

Pie underwrites this line itself:

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. [5](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..)

Amelia Risk instead is a brokerage that places the line with a panel of insurers it doesn't name on its dedicated page, saying the carrier depends on underwriting and state requirements. [2](https://ameliarisk.com/insurance-policies/ "Insurance Policies") [1](https://ameliarisk.com/insurance-policies/workers-compensation/ "Workers Compensation")

### A Timed Online Quote Versus a Staged Process

Pie describes a roughly three-minute online quote requiring the applicant's name, business name, annual payroll and class code. [4](https://www.pieinsurance.com/workers-comp "Workers' Comp Insurance for Small Businesses") Amelia Risk instead describes a staged process without a stated timeline: gathering company information, approaching insurers, reviewing the resulting quotes together, and letting the client decide. [3](https://ameliarisk.com/specialties/ "Our Specialties")

### A Post-Term Audit Versus an Upfront Formula

Pie performs a post-term premium audit comparing estimated to actual payroll after the policy period ends. [4](https://www.pieinsurance.com/workers-comp "Workers' Comp Insurance for Small Businesses") Amelia Risk instead explains the pricing mechanics upfront, saying premium is calculated as payroll multiplied by a rate, without describing a post-term audit. [1](https://ameliarisk.com/insurance-policies/workers-compensation/ "Workers Compensation")

## What Should You Confirm in Amelia Risk and Pie Insurance Workers’ Compensation Insurance Quotes?

- Ask Pie how its post-term payroll audit could change your final premium versus the estimate you were quoted. [4](https://www.pieinsurance.com/workers-comp "Workers' Comp Insurance for Small Businesses")
- Ask Amelia Risk which carriers it's shopping your account to. [3](https://ameliarisk.com/specialties/ "Our Specialties")
- Ask Amelia Risk for the specific rate applied to your payroll, since its page explains the formula but not the figures. [1](https://ameliarisk.com/insurance-policies/workers-compensation/ "Workers Compensation")
- Confirm whether Pie's advertised savings figure applies to your industry and payroll size, since it's a general marketing claim. [4](https://www.pieinsurance.com/workers-comp "Workers' Comp Insurance for Small Businesses")

## Amelia Risk vs Pie Insurance Workers’ Compensation Insurance Compared

| Criteria | Workers Compensation | Pie Workers' Comp Insurance |
| --- | --- | --- |
| Who It’s For | Amelia Risk says a company should buy Workers Compensation whenever it has an employee on payroll, and notes that eligible officers can decline coverage for themselves. [1](https://ameliarisk.com/insurance-policies/workers-compensation/ "Workers Compensation") (Evidence: Company-reported; scope: Dedicated Workers Compensation page's purchase-timing guidance. A general trigger the firm states, not a jurisdiction-by-jurisdiction eligibility or officer-exclusion rule, which varies by state..) | Pie says workers' compensation is legally required in nearly all states for businesses with few exceptions, and markets its program to small businesses. [4](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..) |
| How to Apply | Amelia Risk applies its general four-step brokerage process to a Workers Compensation request: it gathers information about the company, approaches insurers on the client's behalf, reviews the resulting quotes together, and lets the client decide how to proceed. [3](https://ameliarisk.com/specialties/ "Our Specialties") (Evidence: Company-reported; scope: Specialties page process description, which applies across the firm's lines rather than describing a Workers Compensation-specific intake form..) | 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. [4](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..) |
| Coverage Features | Amelia Risk describes Workers Compensation as statutory coverage, paying an injured employee's medical bills when the employee is hurt or injured at work. [1](https://ameliarisk.com/insurance-policies/workers-compensation/ "Workers Compensation") (Evidence: Company-reported; scope: Dedicated Workers Compensation page's coverage description. A plain-language summary of the firm's own explanation, not a specimen policy form..)<br><br>Amelia Risk says a Workers Compensation policy also includes Employer's Liability, which covers suits alleging the employer's negligence caused an employee's injury. [1](https://ameliarisk.com/insurance-policies/workers-compensation/ "Workers Compensation") (Evidence: Company-reported; scope: Dedicated Workers Compensation page. Describes the firm's stated policy structure, not the specific limits attached to that component..) | 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. [4](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..) |
| Role in This Line | Amelia Risk is a brokerage, not an insurer, and it places Workers Compensation as its own listed catalogue line on its policies hub. [2](https://ameliarisk.com/insurance-policies/ "Insurance Policies") (Evidence: Company-reported; scope: Policies hub as read on 2026-09-23. Does not identify which insurer would issue a placed policy..) | 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. [4](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..) |

## About Amelia Risk and Pie Insurance and Workers’ Compensation

- [Amelia Risk company profile](https://spot.insure/insurance-providers/amelia-risk) · [Amelia Risk customer reviews](https://spot.insure/insurance-providers/amelia-risk/reviews)
- [Pie Insurance company profile](https://spot.insure/insurance-providers/pie-insurance) · [Pie Insurance customer reviews](https://spot.insure/insurance-providers/pie-insurance/reviews)
- [What Is Workers’ Compensation Insurance?](https://spot.insure/coverage/workers-compensation)

## Related Pages for Amelia Risk vs Pie Insurance Workers’ Compensation

- [Amelia Risk vs Pie Insurance](https://spot.insure/compare/amelia-risk-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.
- [Amelia Risk Workers’ Compensation Insurance](https://spot.insure/insurance-providers/amelia-risk/workers-compensation)
- [Pie Insurance Workers’ Compensation Insurance](https://spot.insure/insurance-providers/pie-insurance/workers-compensation)

## Sources for Amelia Risk vs Pie Insurance

### Sources About Amelia Risk

1. [Workers Compensation](https://ameliarisk.com/insurance-policies/workers-compensation/). Amelia Risk Insurance Brokers; What's covered by a Workers Compensation Policy?; premium as payroll x rate; Employer's Liability; When should a company buy a Workers Compensation Policy?. Accessed 2026-09-23.
2. [Insurance Policies](https://ameliarisk.com/insurance-policies/). Amelia Risk Insurance Brokers; Policies hub card: Workers Compensation. Accessed 2026-09-23.
3. [Our Specialties](https://ameliarisk.com/specialties/). Amelia Risk Insurance Brokers; Our Process: four-step description of gathering information, approaching the dozens of insurance companies Amelia works with, reviewing quotes, and the client deciding how to proceed; claims advocacy sentence. Accessed 2026-09-23.

### Sources About Pie Insurance

4. [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.
5. [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.

Updated 2026-09-29. 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.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/amelia-risk-vs-pie-insurance/workers-compensation.md)
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