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

Embroker gives an instant online quote on a standalone policy; Pie Insurance underwrites itself, asks for payroll and class codes to quote, and can issue certificates of insurance.

Pie underwrites workers' comp through its own A- rated insurer and advertises a three-minute quote; Embroker's policy page does not identify an issuing insurer. ^3,¹

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

Who Carries the Risk

Pie asks for business name, payroll and class code and offers a tool to help identify the code; Embroker advertises instant quoting but gives no specific number of minutes. Choose Pie if a three-minute quote or its named A- rated insurer matters; choose Embroker if policy bundles with cyber or BOP fit. ² ³ ¹

Pie underwrites workers' compensation itself through its own carrier group, rather than only brokering the line to outside insurers as it does for some of its other small-business products. ² AM Best's disclosure report confirms Pie writes 100% of its workers' compensation business through Pie Casualty Insurance Company and The Pie Insurance Company, part of a pooled rating unit AM Best rates A- (Excellent) with a stable outlook as of April 2026. ³ Embroker's page describes selling workers' compensation as a standalone policy without naming the insurer that would issue it. ¹

What the Pages Cover

Pie describes a state-mandated program providing medical, disability (typically two-thirds wage replacement) and death benefits, while excluding injuries suffered off the job, self-inflicted injuries, policy violations, and injuries from committing a crime. ² Embroker lists medical expenses, lost wages, rehabilitation, death benefits and legal defense costs, and separately excludes commuting injuries, which Pie's exclusions list does not mention. ¹

Getting a Quote

Pie says an online quote needs the applicant's name, business name, annual payroll and class-code information, and advertises a roughly three-minute quote and up to 30% savings. ² Embroker offers an instant online quote through its own digital platform without stating a specific completion time. ¹

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

Ask Pie whether your policy would be issued by Pie Casualty Insurance Company or The Pie Insurance Company and confirm the current AM Best rating. ³
Ask Embroker to name the actual carrier that would issue your policy. ¹
Ask Pie for the specific exclusions that would apply to your class code. ²

Embroker vs Pie Insurance Workers’ Compensation Insurance Compared

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

Criteria	Embroker Workers Compensation Insurance	Pie Workers' Comp Insurance
Who It’s For	Embroker says workers' compensation is legally required for employers in most U.S. states, that four states (North Dakota, Ohio, Washington and Wyoming) are monopolistic and require buying from the state fund, and that solopreneurs without employees are typically not required to carry it. ¹Company-reported. Product-page eligibility, 'Is Workers Compensation required by my state?' and 'Do self-employed business owners need workers compensation insurance?' sections; requirements vary by state and are not independently verified here.	Pie says workers' compensation is legally required in nearly all states for businesses with few exceptions, and markets its program to small businesses. ²Company-reported. Workers' Comp product page as read on 2026-09-23.
How to Apply	Embroker offers an instant online quote for workers' compensation through its digital platform. ¹Company-reported. Product-page 'Get started with Embroker to receive an instant workers compensation insurance quote' call to action; no quote was requested during this research.	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. ²Company-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	Embroker lists coverage for employee medical expenses, lost wages, rehabilitation, death benefits, and legal defense costs if an employee sues over a workplace injury; commuting injuries are excluded. ¹Company-reported. Product-page What's covered and What's not included sections; the issued policy and declarations control.	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. ²Company-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	Embroker sells workers' compensation as a standalone policy and offers to package it with other coverages such as cyber and a business owners policy. ¹Company-reported. Product-page description; not a statement about the issuing insurer.	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. ²Company-reported. Workers' Comp product page as read on 2026-09-23; restates the provider record's verified insurer-route fact.