---
title: "Coalition vs Pie Insurance"
description: "Compare Pie’s workers’ compensation and partner cyber offerings with Coalition’s cyber and Tech E&O placement."
canonical: "https://spot.insure/compare/coalition-vs-pie-insurance"
page-type: "provider-comparison"
updated-at: "2026-09-16"
verified-at: "2026-09-16"
entities: ["Spot", "Coalition", "Pie Insurance"]
---

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

# Coalition vs Pie Insurance

Compare Pie’s workers’ compensation and partner cyber offerings with Coalition’s cyber and Tech E&O placement.

## Research Scope and Use

Use this comparison to evaluate Coalition 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

Pie’s affiliated carriers write workers’ compensation, while its cyber offering uses carrier partners. Coalition offers cyber and Tech E&O through brokers; Pie’s payroll-based payment features should not be applied to either cyber proposal. [1](https://www.coalitioninc.com/technology-errors-and-omissions-insurance "Tech E&O Insurance Coverage") [23](https://www.pieinsurance.com/legal "Legal") [26](https://www.pieinsurance.com/small-business-insurance/cyber-insurance "Cyber Insurance For Small Businesses") [36](https://www.pieinsurance.com/pay-as-you-go "Pay-As-You-Go With Pie Insurance")



## Introduction

Hiring employees and signing a data-processing contract can trigger two insurance purchases at once. Pie’s core workers’ compensation program concerns payroll and workplace injury; Coalition’s technology and cyber products concern digital and professional exposures. Pie also markets cyber through partners, creating a genuine cyber quote to investigate without making its workers’ compensation terms applicable to that quote. [21](https://www.pieinsurance.com/workers-comp "Workers’ Comp Insurance For Small Businesses") [26](https://www.pieinsurance.com/small-business-insurance/cyber-insurance "Cyber Insurance For Small Businesses") [1](https://www.coalitioninc.com/technology-errors-and-omissions-insurance "Tech E&O Insurance Coverage")

## Documented Provider Strengths

### Coalition

- Combines Tech E&O and cyber coverage for technology businesses. [1](https://www.coalitioninc.com/technology-errors-and-omissions-insurance "Tech E&O Insurance Coverage") (Evidence: Company-reported; scope: United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.; verified: 2026-09-16.)
- Control provides policyholders with monitoring, alerts and remediation guidance. [8](https://www.coalitioninc.com/control "Coalition Control") (Evidence: Company-reported; scope: United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.; verified: 2026-09-16.)

### Pie Insurance

- Small businesses can start a workers’ compensation quote directly online or through an insurance agent. [20](https://www.pieinsurance.com/about "About Pie Insurance") [19](https://www.pieinsurance.com/ "Pie Insurance") [21](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. [35](https://www.pieinsurance.com/payment-options "Payment Options") [36](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 | Coalition | Pie Insurance |
| --- | --- | --- |
| Business owner’s policy | Not listed | Listed [25](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner’s Policy") |
| Crime | Listed [5](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") | Not listed |
| Cyber liability | Listed [7](https://www.coalitioninc.com/cyber-insurance "Active Cyber Insurance") | Listed [26](https://www.pieinsurance.com/small-business-insurance/cyber-insurance "Cyber Insurance For Small Businesses") |
| Directors and officers | Listed [5](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") | Not listed |
| Employment practices liability | Listed [5](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") | Not listed |
| Fiduciary liability | Listed [5](https://www.coalitioninc.com/executive-risks-insurance "Executive Risks") | Not listed |
| General liability | Not listed | Listed [28](https://www.pieinsurance.com/small-business-insurance/general-liability "General Liability Insurance") |
| Media liability | Listed [18](https://www.coalitioninc.com/ai-coverage "Coalition AI Coverage") | Not listed |
| Professional liability / E&O | Listed [6](https://www.coalitioninc.com/insurance/miscellaneous-professional-liability-insurance "Miscellaneous Professional Liability") | Listed [27](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors And Omissions Insurance") |
| Technology errors and omissions | Listed [1](https://www.coalitioninc.com/technology-errors-and-omissions-insurance "Tech E&O Insurance Coverage") | Not listed |
| Umbrella and excess liability | Listed [14](https://help.coalitioninc.com/hc/en-us/articles/13436025921051-Does-Coalition-offer-Excess-coverage "Does Coalition offer Excess coverage?") | Not listed |
| Workers’ compensation | Not listed | Listed [21](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 Coalition and Pie Insurance

### The Carrier Relationship Changes Across Pie’s Products

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. [23](https://www.pieinsurance.com/legal "Legal") [25](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner’s Policy") [26](https://www.pieinsurance.com/small-business-insurance/cyber-insurance "Cyber Insurance For Small Businesses") [27](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors And Omissions Insurance") [28](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.)

Pie’s named affiliated workers’ compensation insurers therefore should not be assumed to issue its cyber policy. Coalition separately identifies admitted cyber through CIC and non-admitted placements through other insurers. For a software company, obtain the actual cyber/E&O form from each route before comparing them; a general E&O category is not proof of equivalent technology coverage. [23](https://www.pieinsurance.com/legal "Legal") [27](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors And Omissions Insurance") [3](https://www.coalitioninc.com/legal/disclaimer "U.S. Disclaimers") [1](https://www.coalitioninc.com/technology-errors-and-omissions-insurance "Tech E&O Insurance Coverage")

### Payroll Flexibility Does Not Establish Cyber Payment Terms

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. [35](https://www.pieinsurance.com/payment-options "Payment Options") [36](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.)

Pie also requires a workers’ compensation audit reconciling estimated and actual payroll. Those features belong in a hiring-budget comparison, not a cyber-price comparison. Coalition’s public compensation disclosure describes producer payments but does not give a particular startup’s premium or payment-plan cost. Ask for separate invoices and assumptions. [37](https://www.pieinsurance.com/workers-comp/premium-audit "Your Workers’ Comp Premium Audit") [4](https://www.coalitioninc.com/legal/producer-compensation "U.S. Producer Compensation")

### Injury Reporting and Cyber Response Need Separate Instructions

Pie’s claims materials describe workplace-injury reporting and a state-dependent handler allocation that is not fully reconciled with its advertised footprint. Coalition describes in-house cyber triage. A company holding both types of policy should maintain distinct contacts and notice instructions; an injury-reporting number is not automatically the correct cyber hotline. [38](https://www.pieinsurance.com/claims "File Your Claim Within 24 Hours") [39](https://www.pieinsurance.com/agency/faq "Partner FAQ") [9](https://www.coalitioninc.com/claims-experience "Cyber Insurance Claims Experience")

## What to Confirm in Quotes

Confirm every payroll state and class code, the audit documents and the appropriate workers’ compensation handler. Separately request Pie’s partner cyber insurer and policy, and compare them with Coalition’s proposed California cyber/Tech E&O route. Do not carry forward Pie commercial-auto assumptions from older material: its current FAQ says new and renewal issuance ended in 2026. [29](https://www.pieinsurance.com/agency/states-we-serve "Workers’ Comp Coverage By State") [32](https://www.pieinsurance.com/claims/comm-auto-faq "Commercial Auto Claim FAQs") [11](https://help.coalitioninc.com/hc/en-us/articles/7665550624283-Are-there-any-differences-between-Coalition-s-admitted-and-surplus-lines-products "Are there any differences between Coalition’s admitted and surplus lines products?")



## Service Comparison

Coalition vs Pie Insurance: documented services and availability.

| Criteria | Coalition | Pie Insurance |
| --- | --- | --- |
| Access to insurers | Coalition identifies Coalition Insurance Company (NAIC 29530) for admitted cyber and describes CIS as acting for unaffiliated insurers on non-admitted placements. The reviewed sources do not assign a single insurer to every California Tech E&O quote; confirm the named carrier on the quote and policy. [3](https://www.coalitioninc.com/legal/disclaimer "U.S. Disclaimers") [2](https://www.coalitioninc.com/legal/licenses "Licenses and Carriers") (Evidence: Company-reported; scope: United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.; 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. [23](https://www.pieinsurance.com/legal "Legal") [40](https://ratings.ambest.com/DisclosurePDF.aspx?AMBNum=12272&PCA=0 "AM Best Rating Disclosure Report — Pie Casualty Insurance Company") [41](https://insurance.mo.gov/find-insurance-company/company-details?id=104347111 "The Pie Insurance Company — Company Details") [42](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. [40](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. [23](https://www.pieinsurance.com/legal "Legal") [25](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner’s Policy") [26](https://www.pieinsurance.com/small-business-insurance/cyber-insurance "Cyber Insurance For Small Businesses") [27](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors And Omissions Insurance") [28](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 | Coalition directs buyers to an appointed insurance broker and offers help finding access if their broker does not offer Coalition. It describes underwriting that considers industry, finances, operations and security posture. [13](https://help.coalitioninc.com/hc/en-us/articles/7608339418395-How-do-I-qualify-for-and-buy-cyber-insurance-from-Coalition "How do I qualify for and buy cyber insurance from Coalition?") (Evidence: Company-reported; scope: United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.; verified: 2026-09-16.)<br><br>Coalition’s broker instructions describe adding Tech E&O during the cyber quote process, supplying a product or service description and answering contract-related questions. Some quotes require review before a price is released. [12](https://help.coalitioninc.com/hc/en-us/articles/7665704343963-How-to-add-Tech-E-O-coverage-to-a-Coalition-quote "How to add Tech E&O coverage to a Coalition quote") (Evidence: Company-reported; scope: United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.; 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. [20](https://www.pieinsurance.com/about "About Pie Insurance") [19](https://www.pieinsurance.com/ "Pie Insurance") [21](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. [24](https://quote.pieinsurance.com/ "Pie Insurance — Quote") [21](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. [21](https://www.pieinsurance.com/workers-comp "Workers’ Comp Insurance For Small Businesses") [19](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 | Coalition says independent producers typically receive commissions based on premium for new and renewed policies. Contingent commissions, placement incentives and compensation for certain cybersecurity sales may also apply. [4](https://www.coalitioninc.com/legal/producer-compensation "U.S. Producer Compensation") (Evidence: Company-reported; scope: United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.; verified: 2026-09-16.)<br><br>Coalition says it retains part of earned premiums to fund operations and broker commissions and receives additional carrier payments based on the portfolio’s annual loss ratio. [16](https://help.coalitioninc.com/hc/en-us/articles/7608439306907-How-does-Coalition-make-money "How does Coalition make money?") (Evidence: Company-reported; scope: United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.; verified: 2026-09-16.)<br><br>The reviewed compensation disclosures do not state the commission percentage, broker fee or total premium for a particular startup quote. Obtain an itemized cost and compensation explanation from the placing broker. [4](https://www.coalitioninc.com/legal/producer-compensation "U.S. Producer Compensation") [16](https://help.coalitioninc.com/hc/en-us/articles/7608439306907-How-does-Coalition-make-money "How does Coalition make money?") (Evidence: Not publicly disclosed; scope: United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.; 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. [35](https://www.pieinsurance.com/payment-options "Payment Options") [36](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. [35](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. [34](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. [39](https://www.pieinsurance.com/agency/faq "Partner FAQ") [23](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.) |
| Claims assistance | Coalition describes in-house cyber claims triage and assistance attempting to recover stolen funds. Its Tech E&O page says the same claims team manages cyber and Tech E&O claims. These service descriptions do not establish response quality or payment of a particular loss. [9](https://www.coalitioninc.com/claims-experience "Cyber Insurance Claims Experience") [1](https://www.coalitioninc.com/technology-errors-and-omissions-insurance "Tech E&O Insurance Coverage") (Evidence: Company-reported; scope: United States; official company materials inspected on 2026-09-16. No independent insurance or regulatory verification.; 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. [38](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. [39](https://www.pieinsurance.com/agency/faq "Partner FAQ") [29](https://www.pieinsurance.com/agency/states-we-serve "Workers’ Comp Coverage By State") [40](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 Coalition Insurance?](https://spot.insure/insurance-providers/coalition)
- [What Is Pie Insurance?](https://spot.insure/insurance-providers/pie-insurance)

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- [Pie Insurance vs WithCoverage](https://spot.insure/compare/pie-insurance-vs-withcoverage)

## Sources

### [Coalition Official Website](https://www.coalitioninc.com/)

1. [Tech E&O Insurance Coverage](https://www.coalitioninc.com/technology-errors-and-omissions-insurance). Coalition; Who needs Technology Errors & Omissions coverage?; Coalition Advantage. Accessed 2026-09-16.
2. [Licenses and Carriers](https://www.coalitioninc.com/legal/licenses). Coalition; Insurance Licenses: California row; Insurance Carriers; concluding disclosures. Accessed 2026-09-16.
3. [U.S. Disclaimers](https://www.coalitioninc.com/legal/disclaimer). Coalition; Non-Admitted Cyber; Admitted Cyber; Admitted and Non-admitted Cyber. Accessed 2026-09-16.
4. [U.S. Producer Compensation](https://www.coalitioninc.com/legal/producer-compensation). Coalition; Insurance Producers; Base Commission; Contingent Commission; Business Production Incentive Programs; Non-Insurance Products. Accessed 2026-09-16.
5. [Executive Risks](https://www.coalitioninc.com/executive-risks-insurance). Coalition; Product Offering; FAQ: What type of businesses do you protect?; What resources do you have for policyholders?. Accessed 2026-09-16.
6. [Miscellaneous Professional Liability](https://www.coalitioninc.com/insurance/miscellaneous-professional-liability-insurance). Coalition; Why Miscellaneous Professional Liability?; MPL Advantage; Broker Benefits. Accessed 2026-09-16.
7. [Active Cyber Insurance](https://www.coalitioninc.com/cyber-insurance). Coalition; Coverage Advantage: breach response, cyber extortion, business interruption. Accessed 2026-09-16.
8. [Coalition Control](https://www.coalitioninc.com/control). Coalition; How We Help; Policyholder Features; Wirespeed ADR. Accessed 2026-09-16.
9. [Cyber Insurance Claims Experience](https://www.coalitioninc.com/claims-experience). Coalition; Pre-Claims Assistance; Claims Advantage. Accessed 2026-09-16.
10. [Where does Coalition offer cyber insurance coverage?](https://help.coalitioninc.com/hc/en-us/articles/7520450985883-Where-does-Coalition-offer-cyber-insurance-coverage). Coalition; United States. Accessed 2026-09-16.
11. [Are there any differences between Coalition’s admitted and surplus lines products?](https://help.coalitioninc.com/hc/en-us/articles/7665550624283-Are-there-any-differences-between-Coalition-s-admitted-and-surplus-lines-products). Coalition; Cyber insurance coverage offered by Coalition: Coverage availability; Coverage offering. Accessed 2026-09-16.
12. [How to add Tech E&O coverage to a Coalition quote](https://help.coalitioninc.com/hc/en-us/articles/7665704343963-How-to-add-Tech-E-O-coverage-to-a-Coalition-quote). Coalition; Opening; Step 1; Step 2; Last Step. Accessed 2026-09-16.
13. [How do I qualify for and buy cyber insurance from Coalition?](https://help.coalitioninc.com/hc/en-us/articles/7608339418395-How-do-I-qualify-for-and-buy-cyber-insurance-from-Coalition). Coalition; Eligibility; broker contact; underwriting paragraphs. Accessed 2026-09-16.
14. [Does Coalition offer Excess coverage?](https://help.coalitioninc.com/hc/en-us/articles/13436025921051-Does-Coalition-offer-Excess-coverage). Coalition; What excess products does Coalition offer, and in what regions?; submissions; claims. Accessed 2026-09-16.
15. [How do Cyber renewals work at Coalition?](https://help.coalitioninc.com/hc/en-us/articles/6959642379547-How-do-Cyber-renewals-work-at-Coalition). Coalition; Opening renewal-path table; Automatic; Express; Standard. Accessed 2026-09-16.
16. [How does Coalition make money?](https://help.coalitioninc.com/hc/en-us/articles/7608439306907-How-does-Coalition-make-money). Coalition; Premium retention and carrier payments paragraphs. Accessed 2026-09-16.
17. [Active Cyber Insurance for Enterprises](https://www.coalitioninc.com/enterprise). Coalition; Introduction; closing eligibility disclaimer. Accessed 2026-09-16.
18. [Coalition AI Coverage](https://www.coalitioninc.com/ai-coverage). Coalition; Coverage in Action; Deepfake Response; final disclaimers. Accessed 2026-09-16.

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

19. [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.
20. [About Pie Insurance](https://www.pieinsurance.com/about). Pie Insurance; About Pie; direct and agency distribution; footer legal disclosure. Accessed 2026-09-15.
21. [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.
22. [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.
23. [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.
24. [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.
25. [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.
26. [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.
27. [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.
28. [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.
29. [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.
30. [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.
31. [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.
32. [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.
33. [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.
34. [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.
35. [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.
36. [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.
37. [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.
38. [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.
39. [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.
40. [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.
41. [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.
42. [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.
43. [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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