---
title: "CFC vs Pie Insurance"
description: "Separate CFC technology and cyber coverage from Pie’s workers’ compensation program when a startup hires its first employees."
canonical: "https://spot.insure/compare/cfc-vs-pie-insurance"
page-type: "provider-comparison"
updated-at: "2026-09-16"
verified-at: "2026-09-16"
entities: ["Spot", "CFC", "Pie Insurance"]
---

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

# CFC vs Pie Insurance

Separate CFC technology and cyber coverage from Pie’s workers’ compensation program when a startup hires its first employees.

## Research Scope and Use

Use this comparison to evaluate CFC 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

CFC markets technology liability and cyber products. Pie’s affiliated carriers write workers’ compensation, while Pie offers selected other coverages through outside insurer partners; its payroll-based billing and audit process concern the workers’ compensation program. [2](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf "Technology — United States product brochure") [34](https://www.pieinsurance.com/legal "Legal") [32](https://www.pieinsurance.com/workers-comp "Workers’ Comp Insurance For Small Businesses") [47](https://www.pieinsurance.com/pay-as-you-go "Pay-As-You-Go With Pie Insurance") [48](https://www.pieinsurance.com/workers-comp/premium-audit "Your Workers’ Comp Premium Audit")



## Introduction

A startup hiring its first employees while signing a software customer needs to distinguish workplace-injury protection from liability for its product. CFC’s technology package addresses technology and cyber exposures; Pie’s core program is workers’ compensation, with selected other products supplied through partners. These may be separate pieces of the same insurance program rather than mutually exclusive purchases. [2](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf "Technology — United States product brochure") [32](https://www.pieinsurance.com/workers-comp "Workers’ Comp Insurance For Small Businesses") [34](https://www.pieinsurance.com/legal "Legal")

## Documented Provider Strengths

### CFC

- Technology E&O, cyber and media in a package [2](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf "Technology — United States product brochure") (Evidence: Company-reported; scope: CFC US-facing materials, accessed 16 September 2026; company descriptions, not an issued policy or independent service assessment.; verified: 2026-09-16.)
- Cyber threat monitoring and 24/7 incident support [7](https://www.cfc.com/en-us/response/ "CFC Response") (Evidence: Company-reported; scope: CFC US-facing materials, accessed 16 September 2026; company descriptions, not an issued policy or independent service assessment.; verified: 2026-09-16.)

### Pie Insurance

- Small businesses can start a workers’ compensation quote directly online or through an insurance agent. [31](https://www.pieinsurance.com/about "About Pie Insurance") [30](https://www.pieinsurance.com/ "Pie Insurance") [32](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. [46](https://www.pieinsurance.com/payment-options "Payment Options") [47](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 | CFC | Pie Insurance |
| --- | --- | --- |
| Business owner’s policy | Not listed | Listed [36](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner’s Policy") |
| Commercial property | Listed [13](https://www.cfc.com/en-us/products/class/property-casualty/ "Property & casualty") | Not listed |
| Crime | Listed [11](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") [23](https://www.cfc.com/en-us/products/industry/fintech/ "Fintech insurance") | Not listed |
| Cyber liability | Listed [9](https://www.cfc.com/en-us/products/class/cyber-insurance/ "Cyber insurance — US") | Listed [37](https://www.pieinsurance.com/small-business-insurance/cyber-insurance "Cyber Insurance For Small Businesses") |
| Directors and officers | Listed [11](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") | Not listed |
| Employment practices liability | Listed [11](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") | Not listed |
| Fiduciary liability | Listed [11](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf "Management liability — United States product brochure") | Not listed |
| General liability | Listed [13](https://www.cfc.com/en-us/products/class/property-casualty/ "Property & casualty") | Listed [39](https://www.pieinsurance.com/small-business-insurance/general-liability "General Liability Insurance") |
| Intellectual property | Listed [14](https://www.cfc.com/en-us/products/class/intellectual-property/ "Intellectual property insurance") | Not listed |
| Kidnap and ransom | Listed [15](https://www.cfc.com/en-us/products/class/kidnap-and-ransom/ "Kidnap and ransom") | Not listed |
| Management liability | Listed [10](https://www.cfc.com/en-us/products/class/management-liability/ "Management liability") | Not listed |
| Media liability | Listed [21](https://www.cfc.com/en-us/products/industry/media-entertainment/ "Media & entertainment") | Not listed |
| Medical malpractice | Listed [20](https://www.cfc.com/en-us/products/class/medical-malpractice/ "Medical malpractice") | Not listed |
| Product liability | Listed [22](https://www.cfc.com/en-us/products/industry/life-science/ "Life science") | Not listed |
| Product recall | Listed [16](https://www.cfc.com/en-us/products/class/product-recall/ "Product recall") | Not listed |
| Professional liability / E&O | Listed [12](https://www.cfc.com/en-us/products/class/professional-liability/ "Professional liability") | Listed [38](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors And Omissions Insurance") |
| Representations and warranties | Listed [17](https://www.cfc.com/en-us/products/class/transaction-liability/ "Transaction liability") | Not listed |
| Technology errors and omissions | Listed [2](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf "Technology — United States product brochure") | Not listed |
| Umbrella and excess liability | Listed [18](https://www.cfc.com/en-us/products/class/excess-umbrella/ "Umbrella cover") | Not listed |
| Virtual care and telehealth | Listed [19](https://www.cfc.com/en-us/products/industry/ehealth/ "Digital health insurance") | Not listed |
| Workers’ compensation | Not listed | Listed [32](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 CFC and Pie Insurance

### Payroll Information Does Not Replace Technology Underwriting

Pie’s workers’ compensation quote begins with ZIP code and calls for payroll and class-code information. CFC’s technology application asks about products, client contracts, security and IP procedures. The two submissions measure different exposures. Give the payroll classification reviewer actual employee duties, and separately give the technology underwriter the consequences of software failure. [35](https://quote.pieinsurance.com/ "Pie Insurance — Quote") [32](https://www.pieinsurance.com/workers-comp "Workers’ Comp Insurance For Small Businesses") [3](https://webcdn.cfc.com/media/4559/tech_application_us_v24.pdf "Technology companies — US application v2.4")

Pie also markets partner-supplied E&O and cyber, but the reviewed pages do not identify their current insurers. If considering those alongside CFC, obtain the partner’s forms first; do not assign Pie’s affiliated workers’ compensation carriers to a cyber proposal. [38](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors And Omissions Insurance") [37](https://www.pieinsurance.com/small-business-insurance/cyber-insurance "Cyber Insurance For Small Businesses") [34](https://www.pieinsurance.com/legal "Legal")

### Payroll-Based Billing Still Leaves an Audit

Pie describes pay-as-you-go premium based on reported payroll with no initial deposit. It also requires an annual workers’ compensation audit that replaces estimates with actual information. For a startup adding staff quickly, ask how payroll changes feed billing and what records the audit needs; a convenient payment schedule is not a guarantee that the initial estimated premium is final. [47](https://www.pieinsurance.com/pay-as-you-go "Pay-As-You-Go With Pie Insurance") [48](https://www.pieinsurance.com/workers-comp/premium-audit "Your Workers’ Comp Premium Audit")

CFC’s reviewed technology documents do not publish an equivalent billing schedule or complete charges. Compare the cost of each required coverage and its payment terms separately. There is no meaningful single “cheaper provider” conclusion from a payroll-based workers’ compensation quote and a technology liability quote. [2](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf "Technology — United States product brochure") [6](https://www.cfc.com/en-us/connect/ "Connect broker trading portal") [46](https://www.pieinsurance.com/payment-options "Payment Options")

### Each Line Needs Its Own Availability and Notice Instructions

Pie’s public workers’ compensation footprint is inconsistent across its state page and other current materials. Its partner-product pages do not provide a complete state matrix. CFC’s California technology route also remains a quote-level question. Confirm employee locations and business activities directly rather than using either national brand description as approval. [40](https://www.pieinsurance.com/agency/states-we-serve "Workers’ Comp Coverage By State") [42](https://www.pieinsurance.com/resource-center/press/2025-year-in-review "Pie Insurance Reports Strong 2025") [33](https://www.pieinsurance.com/legal/terms-of-use "Terms Of Use") [4](https://www.cfc.com/en-us/support/regulatory-information/ "Regulatory information")

Pie publishes workplace-injury reporting channels; CFC publishes general claims and urgent cyber routes. Keep both in the operating checklist if both coverages are purchased. A cyber notification is not an employee-injury report, and a brokerage’s intake should not be presumed to notify every affected insurer. [49](https://www.pieinsurance.com/claims "File Your Claim Within 24 Hours") [8](https://www.cfc.com/en-us/claims/ "Notify a claim or cyber incident")

## What to Confirm in Quotes

- Separate workers’ compensation, technology E&O and cyber requirements, naming the insurer behind any Pie partner product. [34](https://www.pieinsurance.com/legal "Legal") [37](https://www.pieinsurance.com/small-business-insurance/cyber-insurance "Cyber Insurance For Small Businesses") [2](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf "Technology — United States product brochure")
- Verify state/class eligibility, payroll-reporting integration, audit documents and any payment or waiver charges. [40](https://www.pieinsurance.com/agency/states-we-serve "Workers’ Comp Coverage By State") [48](https://www.pieinsurance.com/workers-comp/premium-audit "Your Workers’ Comp Premium Audit") [45](https://www.pieinsurance.com/workers-comp/resources/frequently-asked-questions "Workers’ Comp FAQs")
- Assign injury reporting and cyber incident responsibilities, with the current handler named for each policy. [49](https://www.pieinsurance.com/claims "File Your Claim Within 24 Hours") [50](https://www.pieinsurance.com/agency/faq "Partner FAQ") [8](https://www.cfc.com/en-us/claims/ "Notify a claim or cyber incident")



## Service Comparison

CFC vs Pie Insurance: documented services and availability.

| Criteria | CFC | Pie Insurance |
| --- | --- | --- |
| Business role | CFC is a specialist insurance provider operating an MGA model: a managing general agent performs underwriting functions for insurance capacity providers. Its disclosures identify CFC Underwriting Limited and the U.S. producer CFC USA, Inc.; the CFC brand should not be treated as the name of every policy’s insurer. [5](https://www.cfc.com/en-us/company/ "About CFC") [4](https://www.cfc.com/en-us/support/regulatory-information/ "Regulatory information") (Evidence: Company-reported; scope: CFC US-facing materials, accessed 16 September 2026; company descriptions, not an issued policy or independent service assessment.; 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. [31](https://www.pieinsurance.com/about "About Pie Insurance") [34](https://www.pieinsurance.com/legal "Legal") [32](https://www.pieinsurance.com/workers-comp "Workers’ Comp Insurance For Small Businesses") [36](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner’s Policy") [37](https://www.pieinsurance.com/small-business-insurance/cyber-insurance "Cyber Insurance For Small Businesses") [38](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors And Omissions Insurance") [39](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. [33](https://www.pieinsurance.com/legal/terms-of-use "Terms Of Use") [53](https://insurance.illinois.gov/applications/RegEntPortal/ViewEntityDetails.aspx?en=982281&s=Active&t=INS "Pie Casualty Insurance Company — Entity Details") [51](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. [34](https://www.pieinsurance.com/legal "Legal") [54](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.) |
| Access to insurers | CFC’s regulatory page identifies Lloyd’s Syndicate 1988, managed by Asta Managing Agency Ltd. The reviewed U.S. technology materials do not name the insurer or participating syndicates for a California buyer’s actual policy; ask for those names on the quote and declarations. [4](https://www.cfc.com/en-us/support/regulatory-information/ "Regulatory information") [2](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf "Technology — United States product brochure") [3](https://webcdn.cfc.com/media/4559/tech_application_us_v24.pdf "Technology companies — US application v2.4") (Evidence: Not publicly disclosed; scope: Technology coverage for a California applicant; Syndicate 1988 is not assigned to every CFC policy.; verified: 2026-09-16.) | Pie says workers’ compensation is underwritten by The Pie Insurance Company (NAIC 21857) and affiliates. AM Best says Pie began writing all of that business through The Pie Insurance Company and Pie Casualty Insurance Company (NAIC 10997) on January 1, 2024. [34](https://www.pieinsurance.com/legal "Legal") [51](https://ratings.ambest.com/DisclosurePDF.aspx?AMBNum=12272&PCA=0 "AM Best Rating Disclosure Report — Pie Casualty Insurance Company") [52](https://insurance.mo.gov/find-insurance-company/company-details?id=104347111 "The Pie Insurance Company — Company Details") [53](https://insurance.illinois.gov/applications/RegEntPortal/ViewEntityDetails.aspx?en=982281&s=Active&t=INS "Pie Casualty Insurance Company — Entity Details") (Evidence: Verified; scope: Pie’s workers’ compensation program; the actual declarations page controls the issuing insurer for a specific policy and state.; verified: 2026-09-15.)<br><br>AM Best affirmed Pie Casualty Insurance Company’s pooled A- (Excellent) financial strength rating with a Stable outlook, effective April 24, 2026. A rating is an opinion of insurer financial strength, not a guarantee that a claim is covered or paid. [51](https://ratings.ambest.com/DisclosurePDF.aspx?AMBNum=12272&PCA=0 "AM Best Rating Disclosure Report — Pie Casualty Insurance Company") (Evidence: Verified; scope: Pie Casualty Insurance Company and the consolidated Pie Insurance Group rating unit as identified in the disclosure report.; verified: 2026-09-15.)<br><br>Pie says business owner’s, general liability and professional liability policies are underwritten by unaffiliated third-party insurers, and its cyber page refers to carrier partners. The reviewed public pages do not name the currently participating insurers for these products. [34](https://www.pieinsurance.com/legal "Legal") [36](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner’s Policy") [37](https://www.pieinsurance.com/small-business-insurance/cyber-insurance "Cyber Insurance For Small Businesses") [38](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors And Omissions Insurance") [39](https://www.pieinsurance.com/small-business-insurance/general-liability "General Liability Insurance") (Evidence: Not publicly disclosed; scope: Current public BOP, cyber, general-liability and professional-liability/E&O pages; account-specific carrier access was not tested.; verified: 2026-09-15.) |
| Application process | The U.S. technology application asks a senior staff member to complete it and return it to the company’s insurance broker. It requests revenue, funding, subsidiaries, products, major contracts, security controls, IP procedures and claims history. CFC’s Connect portal separately supports broker trading and describes a broker appointment process. [3](https://webcdn.cfc.com/media/4559/tech_application_us_v24.pdf "Technology companies — US application v2.4") [6](https://www.cfc.com/en-us/connect/ "Connect broker trading portal") (Evidence: Company-reported; scope: CFC US-facing materials, accessed 16 September 2026; company descriptions, not an issued policy or independent service assessment.; 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. [31](https://www.pieinsurance.com/about "About Pie Insurance") [30](https://www.pieinsurance.com/ "Pie Insurance") [32](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. [35](https://quote.pieinsurance.com/ "Pie Insurance — Quote") [32](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. [32](https://www.pieinsurance.com/workers-comp "Workers’ Comp Insurance For Small Businesses") [30](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.) |
| Servicing and renewals | CFC says its cyber service includes threat monitoring and alerts, a response app and round-the-clock technical incident support. These are company-described services; access, scope and any conditions should be checked against the proposed policy. [7](https://www.cfc.com/en-us/response/ "CFC Response") (Evidence: Company-reported; scope: CFC US-facing materials, accessed 16 September 2026; company descriptions, not an issued policy or independent service assessment.; verified: 2026-09-16.)<br><br>The reviewed Connect and technology application pages do not specify a customer-facing renewal timetable, certificate turnaround or dedicated account-management commitment for California technology buyers. Confirm those arrangements with the placing broker. [6](https://www.cfc.com/en-us/connect/ "Connect broker trading portal") [3](https://webcdn.cfc.com/media/4559/tech_application_us_v24.pdf "Technology companies — US application v2.4") (Evidence: Not publicly disclosed; scope: CFC US-facing materials, accessed 16 September 2026; company descriptions, not an issued policy or independent service assessment.; 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. [44](https://www.pieinsurance.com/resource-center/online-account-tutorial "Online Account Tutorial") [45](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. [48](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. [45](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.) |
| Fees and compensation | The reviewed U.S. technology brochure, application and Connect page do not disclose a buyer-specific premium, producer commission rate, broker fee or complete schedule of policy charges. Request a written breakdown of premium, taxes, fees and intermediary compensation before purchase. [2](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf "Technology — United States product brochure") [3](https://webcdn.cfc.com/media/4559/tech_application_us_v24.pdf "Technology companies — US application v2.4") [6](https://www.cfc.com/en-us/connect/ "Connect broker trading portal") (Evidence: Not publicly disclosed; scope: Only the listed US technology and broker-process sources; no inference of free service or zero commission. Australian and unrelated Irish CFC disclosures are not US pricing evidence.; 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. [46](https://www.pieinsurance.com/payment-options "Payment Options") [47](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. [46](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. [45](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. [50](https://www.pieinsurance.com/agency/faq "Partner FAQ") [34](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.) |

## Related Reading

- [What Is CFC Insurance?](https://spot.insure/insurance-providers/cfc)
- [What Is Pie Insurance?](https://spot.insure/insurance-providers/pie-insurance)

## Related Comparisons

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

### [CFC Official Website](https://www.cfc.com/en-us/)

1. [Technology](https://www.cfc.com/en-us/products/industry/technology/). CFC; Introduction; Technology key features; Digitally traded. Accessed 2026-09-16.
2. [Technology — United States product brochure](https://webcdn.cfc.com/media/ywdbvkpy/technology_product-brochure_us_0525_v2.pdf). CFC; Page 1: coverage sections; Response app highlights; Limits and deductibles. Accessed 2026-09-16.
3. [Technology companies — US application v2.4](https://webcdn.cfc.com/media/4559/tech_application_us_v24.pdf). CFC; Pages 1–8: completion instructions and Sections 1–8. Accessed 2026-09-16.
4. [Regulatory information](https://www.cfc.com/en-us/support/regulatory-information/). CFC; CFC Underwriting Limited; CFC Lloyd’s Syndicate 1988; CFC USA Inc.. Accessed 2026-09-16.
5. [About CFC](https://www.cfc.com/en-us/company/). CFC; Matt Taylor biography: independent MGA and Syndicate 1988. Accessed 2026-09-16.
6. [Connect broker trading portal](https://www.cfc.com/en-us/connect/). CFC; Get started; Products traded on Connect; FAQs: broker appointment. Accessed 2026-09-16.
7. [CFC Response](https://www.cfc.com/en-us/response/). CFC; Proactive protection; Immediate response; Real-time support. Accessed 2026-09-16.
8. [Notify a claim or cyber incident](https://www.cfc.com/en-us/claims/). CFC; General enquiries or claims; Experiencing a cyber incident now?. Accessed 2026-09-16.
9. [Cyber insurance — US](https://www.cfc.com/en-us/products/class/cyber-insurance/). CFC; Cyber Proactive Response; Cyber (admitted); Corporate cyber; Cyber excess. Accessed 2026-09-16.
10. [Management liability](https://www.cfc.com/en-us/products/class/management-liability/). CFC; Management liability; Side A DIC. Accessed 2026-09-16.
11. [Management liability — United States product brochure](https://webcdn.cfc.com/media/0ttjwk3e/management-liablity_product-brochure_us_0126.pdf). CFC; Page 1: coverage; What we decline; Management liability. Accessed 2026-09-16.
12. [Professional liability](https://www.cfc.com/en-us/products/class/professional-liability/). CFC; Our professional liability products; Professional liability (admitted). Accessed 2026-09-16.
13. [Property & casualty](https://www.cfc.com/en-us/products/class/property-casualty/). CFC; Property & casualty product. Accessed 2026-09-16.
14. [Intellectual property insurance](https://www.cfc.com/en-us/products/class/intellectual-property/). CFC; Intellectual property product; Key features; Defense; Pursuit of infringers. Accessed 2026-09-16.
15. [Kidnap and ransom](https://www.cfc.com/en-us/products/class/kidnap-and-ransom/). CFC; Kidnap & ransom product and Key features. Accessed 2026-09-16.
16. [Product recall](https://www.cfc.com/en-us/products/class/product-recall/). CFC; Contaminated product recall; Product recall. Accessed 2026-09-16.
17. [Transaction liability](https://www.cfc.com/en-us/products/class/transaction-liability/). CFC; Transaction liability; Seller protect; Buyer protect; Secondary liquidity solutions; Limit & appetite. Accessed 2026-09-16.
18. [Umbrella cover](https://www.cfc.com/en-us/products/class/excess-umbrella/). CFC; Umbrella cover product description. Accessed 2026-09-16.
19. [Digital health insurance](https://www.cfc.com/en-us/products/industry/ehealth/). CFC; eHealth product; Telemedicine; mHealth; Artificial intelligence; Remote patient monitoring. Accessed 2026-09-16.
20. [Medical malpractice](https://www.cfc.com/en-us/products/class/medical-malpractice/). CFC; Our medical malpractice products. Accessed 2026-09-16.
21. [Media & entertainment](https://www.cfc.com/en-us/products/industry/media-entertainment/). CFC; Media product description. Accessed 2026-09-16.
22. [Life science](https://www.cfc.com/en-us/products/industry/life-science/). CFC; Life sciences; Nutraceuticals; What does CFC’s life science policy cover?. Accessed 2026-09-16.
23. [Fintech insurance](https://www.cfc.com/en-us/products/industry/fintech/). CFC; Fintech product; What does CFC’s fintech policy cover?. Accessed 2026-09-16.
24. [Financial institutions](https://www.cfc.com/en-us/products/industry/financial-institutions/). CFC; Financial institutions professional indemnity; Investment managers; SME banks. Accessed 2026-09-16.
25. [Carbon insurance](https://www.cfc.com/en-us/products/class/carbon-insurance/). CFC; Carbon delivery; Carbon cancellation; Carbon lender non-payment; CORSIA guarantee. Accessed 2026-09-16.
26. [Safeprotect misconduct liability](https://www.cfc.com/en-us/products/class/safeprotect-misconduct-liability/). CFC; Safeprotect product; Praesidium services. Accessed 2026-09-16.
27. [Terrorism](https://www.cfc.com/en-us/products/class/terrorism/). CFC; Introduction: standalone terrorism policy. Accessed 2026-09-16.
28. [Marine](https://www.cfc.com/en-us/products/industry/marine/). CFC; Introduction: hull war and marine kidnap & ransom. Accessed 2026-09-16.
29. [CFC launches admitted offerings for professional liability and technology E&O](https://www.cfc.com/en-us/knowledge/news/2023/03/cfc-launches-admitted-offerings-for-professional-liability-and-technology-eo/). CFC; 21 March 2023 announcement: admitted technology E&O; broker quote, bind and adjustment process. Accessed 2026-09-16.

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

30. [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.
31. [About Pie Insurance](https://www.pieinsurance.com/about). Pie Insurance; About Pie; direct and agency distribution; footer legal disclosure. Accessed 2026-09-15.
32. [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.
33. [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.
34. [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.
35. [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.
36. [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.
37. [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.
38. [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.
39. [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.
40. [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.
41. [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.
42. [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.
43. [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.
44. [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.
45. [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.
46. [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.
47. [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.
48. [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.
49. [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.
50. [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.
51. [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.
52. [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.
53. [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.
54. [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.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/cfc-vs-pie-insurance.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)