--- title: "Chubb vs Pie Insurance: Workers’ Compensation Insurance" description: "Pie advertises a three-minute online quote and A- rated carrier; Chubb commits to adjuster contact within 24 hours after a lost-time claim." canonical: "https://spot.insure/compare/chubb-vs-pie-insurance/workers-compensation" page-type: "line-comparison" updated-at: "2026-09-25" comparison-pair: "chubb-vs-pie-insurance" provider-a: "chubb" provider-b: "pie-insurance" coverage-line: "workers-compensation" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, check_driving_insurance for source-backed rideshare and delivery requirements by state or province, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/chubb-vs-pie-insurance/workers-compensation) ## Agent Guide **What this page is:** Focused comparison of Chubb 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 Chubb 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:** - Chubb vs Pie Insurance for Workers’ Compensation Insurance: how do they differ? - Which is better for Workers’ Compensation Insurance, Chubb or Pie Insurance? - What does Chubb or Pie Insurance publish about Workers’ Compensation Insurance (limits, eligibility, claims, add-ons)? **Key facts:** - Line: Workers’ Compensation Insurance. Providers: Chubb 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 2026-09-25. **Related pages:** - [Chubb vs Pie Insurance](https://spot.insure/compare/chubb-vs-pie-insurance) — all coverage lines for this pair - [Workers’ Compensation Insurance guide](https://spot.insure/coverage/workers-compensation) — how this coverage works - [Chubb profile](https://spot.insure/insurance-providers/chubb) — provider profile - [Pie Insurance profile](https://spot.insure/insurance-providers/pie-insurance) — provider profile # 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 offers a three-minute online quote and reports an A- insurer rating; Chubb states a 24-hour claims contact commitment. ## Chubb vs Pie Insurance Workers’ Compensation Insurance Summary 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](https://www.chubb.com/us-en/business-insurance/workers-compensation-small.html "Workers' Compensation Insurance for Small Business") [4](https://ratings.ambest.com/DisclosurePDF.aspx?AMBNum=12272&PCA=0 "AM Best Rating Disclosure Report — Pie Casualty Insurance Company") ## 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](https://www.chubb.com/us-en/business-insurance/workers-compensation-small.html "Workers' Compensation Insurance for Small Business") 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](https://www.pieinsurance.com/workers-comp "Workers' Comp Insurance for Small Businesses") 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. [4](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..) Chubb's workers' compensation page does not carry a comparable independently verified rating citation for the entity underwriting a given policy. [1](https://www.chubb.com/us-en/business-insurance/workers-compensation-small.html "Workers' Compensation Insurance for Small Business") 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](https://www.pieinsurance.com/workers-comp "Workers' Comp Insurance for Small Businesses") ### 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](https://www.chubb.com/us-en/business-insurance/workers-compensation-small.html "Workers' Compensation Insurance for Small Business") 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](https://www.pieinsurance.com/workers-comp "Workers' Comp Insurance for Small Businesses") ### 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](https://www.chubb.com/us-en/business-insurance/workers-compensation-small.html "Workers' Compensation Insurance for Small Business") 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](https://www.pieinsurance.com/workers-comp "Workers' Comp Insurance for Small Businesses") ## 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](https://www.chubb.com/us-en/business-insurance/workers-compensation-small.html "Workers' Compensation Insurance for Small Business") - Confirm Pie Casualty Insurance Company or The Pie Insurance Company, rather than an affiliate, is the entity named on the issued policy. [4](https://ratings.ambest.com/DisclosurePDF.aspx?AMBNum=12272&PCA=0 "AM Best Rating Disclosure Report — Pie Casualty Insurance Company") - Ask Chubb for the specific employer liability limit, since its page describes the option without a dollar figure. [1](https://www.chubb.com/us-en/business-insurance/workers-compensation-small.html "Workers' Compensation Insurance for Small Business") - Confirm the business's revenue and class fall inside Chubb's published eligibility range before applying directly. [1](https://www.chubb.com/us-en/business-insurance/workers-compensation-small.html "Workers' Compensation Insurance for Small Business") - Ask Pie how its post-term premium audit could change the final premium versus the quoted estimate. [3](https://www.pieinsurance.com/workers-comp "Workers' Comp Insurance for Small Businesses") ## Chubb vs Pie Insurance Workers’ Compensation Insurance Compared | 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](https://www.chubb.com/us-en/business-insurance/workers-compensation-small.html "Workers' Compensation Insurance for Small Business") [2](https://www.chubb.com/us-en/business-insurance/industries/technology.html "Insurance for Technology Companies") (Evidence: Company-reported; scope: 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. [3](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 | You can request a quote online, or an appointed independent agent or broker can apply for a Chubb Appointment to place the policy. [1](https://www.chubb.com/us-en/business-insurance/workers-compensation-small.html "Workers' Compensation Insurance for Small Business") (Evidence: Company-reported; scope: 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. [3](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 | 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. [1](https://www.chubb.com/us-en/business-insurance/workers-compensation-small.html "Workers' Compensation Insurance for Small Business") (Evidence: Company-reported; scope: 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. [3](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 | Chubb underwrites workers' compensation insurance directly for small businesses, crafted to pair with a Chubb BOP for combined policy and claims service. [1](https://www.chubb.com/us-en/business-insurance/workers-compensation-small.html "Workers' Compensation Insurance for Small Business") (Evidence: Company-reported; scope: 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. [3](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..) | | 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. [1](https://www.chubb.com/us-en/business-insurance/workers-compensation-small.html "Workers' Compensation Insurance for Small Business") (Evidence: Company-reported; scope: 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. [3](https://www.pieinsurance.com/workers-comp "Workers' Comp Insurance for Small Businesses") (Evidence: Company-reported; scope: Workers' Comp product page FAQ as read on 2026-09-23..) | ## About Chubb and Pie Insurance and Workers’ Compensation Insurance - [Chubb company profile](https://spot.insure/insurance-providers/chubb) · [Chubb customer reviews](https://spot.insure/insurance-providers/chubb/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 Chubb vs Pie Insurance Workers’ Compensation - [Chubb vs Pie Insurance](https://spot.insure/compare/chubb-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. - [Chubb Workers’ Compensation Insurance](https://spot.insure/insurance-providers/chubb/workers-compensation) - [Pie Insurance Workers’ Compensation Insurance](https://spot.insure/insurance-providers/pie-insurance/workers-compensation) ## Sources for Chubb vs Pie Insurance Workers’ Compensation Insurance ### Sources About Chubb 1. [Workers' Compensation Insurance for Small Business](https://www.chubb.com/us-en/business-insurance/workers-compensation-small.html). Chubb; Small Business Workers' Compensation Coverage Highlights; Exceptional Service; Total Account Solution. Accessed 2026-09-23. 2. [Insurance for Technology Companies](https://www.chubb.com/us-en/business-insurance/industries/technology.html). Chubb; Products and services list naming workers' compensation among Chubb's technology-industry offerings. Accessed 2026-09-23. ### Sources About Pie Insurance 3. [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. 4. [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 2026-09-25. 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/chubb-vs-pie-insurance/workers-compensation.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)