Chubb vs Pie Insurance: How Do They Compare for Workers’ Compensation Insurance?

Chubb underwrites for small businesses and pairs the coverage with its business owner's policy; Pie Insurance underwrites it too and advertises a roughly three-minute online quote from payroll and class codes, plus certificates of insurance.

Pie advertises a three-minute online quote and A- rated carrier; Chubb commits to adjuster contact within 24 hours after a lost-time claim. ^1,⁴

What Are the Key Differences Between Chubb and Pie Insurance Workers’ Compensation Insurance?

Two Direct Underwriters, Different Disclosure

Chubb underwrites this small-business workers' compensation product itself, for businesses from one employee up to $30 million in revenue. ¹

Pie also underwrites this line itself rather than only brokering it to outside insurers, as it does for several of its other small-business products. ³

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. ⁴Verified. 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.

Chubb's workers' compensation page does not carry a comparable independently verified rating citation for the entity underwriting a given policy. ¹

Choose Pie if you want a quick online quote; choose Chubb if you want in-house nurse case managers and a stated claims response. ³

Speed of the Online Quote

Chubb directs buyers to request a quote online or through an appointed broker's Chubb Appointment, without stating how long the process takes. ¹

Pie advertises a roughly three-minute online quote using the applicant's name, business name, annual payroll and class code, plus a tool to help identify the correct class code. ³

Post-Bind Service Each Documents

Chubb's post-bind claims service includes internal nurse case managers, a return-to-work program, and adjuster contact within 24 hours of a lost-time claim assignment. ¹

Pie instead documents a Certificate of Insurance issuance for industries like construction that require proof of coverage before work begins, and a post-term premium audit comparing estimated to actual payroll. ³

What Should You Confirm in Chubb and Pie Insurance Workers’ Compensation Insurance Quotes?

Ask Chubb whether an AM Best or comparable rating is available for the specific entity that would underwrite the business's policy. ¹
Confirm Pie Casualty Insurance Company or The Pie Insurance Company, rather than an affiliate, is the entity named on the issued policy. ⁴
Ask Chubb for the specific employer liability limit, since its page describes the option without a dollar figure. ¹
Confirm the business's revenue and class fall inside Chubb's published eligibility range before applying directly. ¹
Ask Pie how its post-term premium audit could change the final premium versus the quoted estimate. ³

Chubb vs Pie Insurance Workers’ Compensation Insurance Compared

Chubb vs Pie Insurance: Workers’ Compensation Insurance: documented features by provider

Criteria	Chubb Small Business Workers' Compensation Insurance	Pie Workers' Comp Insurance
Who It’s For	Chubb says this policy covers small businesses with as little as one employee up to $30 million in revenue, across a wide range of classes including technology. ^1,²Company-reported. Coverage-highlights list on the small-business workers' compensation page.	Pie says workers' compensation is legally required in nearly all states for businesses with few exceptions, and markets its program to small businesses. ³Company-reported. Workers' Comp product page as read on 2026-09-23.
How to Apply	You can request a quote online, or an appointed independent agent or broker can apply for a Chubb Appointment to place the policy. ¹Company-reported. Small-business workers' compensation page quote call-to-action for business owners and for agents and brokers.	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. ³Company-reported. 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	Chubb lists coverage for medical expenses and lost wages, a waiver of subrogation option, various employer liability limits, and occasional international travel coverage available through a foreign package policy. ¹Company-reported. Coverage-highlights list; specific options depend on the issued policy.	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. ³Company-reported. 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	Chubb underwrites workers' compensation insurance directly for small businesses, crafted to pair with a Chubb BOP for combined policy and claims service. ¹Company-reported. Workers' Compensation for Small Business product page.	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. ³Company-reported. Workers' Comp product page as read on 2026-09-23; restates the provider record's verified insurer-route fact.
Risk Services	Chubb describes internal nurse case managers, a return-to-work program, pharmacy benefit management, preferred-provider network access, and a Special Investigative Unit for suspected fraud as part of its workers' compensation claims service. ¹Company-reported. Exceptional Service section of the small-business workers' compensation page; company-described service program.	Pie says it can issue a Certificate of Insurance to show proof of workers' comp coverage, which it notes some industries, such as construction, require before work can begin, and that it performs a post-term premium audit comparing estimated to actual payroll. ³Company-reported. Workers' Comp product page FAQ as read on 2026-09-23.