---
title: "Embroker vs Pie Insurance: Workers’ Compensation Insurance"
description: "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."
canonical: "https://spot.insure/compare/embroker-vs-pie-insurance/workers-compensation"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "embroker-vs-pie-insurance"
provider-a: "embroker"
provider-b: "pie-insurance"
coverage-line: "workers-compensation"
---

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

## Agent Guide

**What this page is:** Focused comparison of Embroker 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 Embroker 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:**
- Embroker vs Pie Insurance for Workers’ Compensation Insurance: how do they differ?
- Which is better for Workers’ Compensation Insurance, Embroker or Pie Insurance?
- What does Embroker or Pie Insurance publish about Workers’ Compensation Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Workers’ Compensation Insurance. Providers: Embroker 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:**
- [Embroker vs Pie Insurance](https://spot.insure/compare/embroker-vs-pie-insurance) — all coverage lines for this pair
- [Workers’ Compensation Insurance guide](https://spot.insure/coverage/workers-compensation) — how this coverage works
- [Embroker profile](https://spot.insure/insurance-providers/embroker) — provider profile
- [Pie Insurance profile](https://spot.insure/insurance-providers/pie-insurance) — provider profile

# 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.

## Embroker vs Pie Insurance Workers’ Compensation Insurance Summary

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](https://ratings.ambest.com/DisclosurePDF.aspx?AMBNum=12272&PCA=0 "AM Best Rating Disclosure Report — Pie Casualty Insurance Company") [1](https://www.embroker.com/coverage/workers-compensation-insurance/ "Workers Compensation Insurance: Quotes & Coverage Options")

## 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](https://www.pieinsurance.com/workers-comp "Workers' Comp Insurance for Small Businesses") [3](https://ratings.ambest.com/DisclosurePDF.aspx?AMBNum=12272&PCA=0 "AM Best Rating Disclosure Report — Pie Casualty Insurance Company") [1](https://www.embroker.com/coverage/workers-compensation-insurance/ "Workers Compensation Insurance: Quotes & Coverage Options")

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](https://www.pieinsurance.com/workers-comp "Workers' Comp Insurance for Small Businesses") 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](https://ratings.ambest.com/DisclosurePDF.aspx?AMBNum=12272&PCA=0 "AM Best Rating Disclosure Report — Pie Casualty Insurance Company") Embroker's page describes selling workers' compensation as a standalone policy without naming the insurer that would issue it. [1](https://www.embroker.com/coverage/workers-compensation-insurance/ "Workers Compensation Insurance: Quotes & Coverage Options")

### 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](https://www.pieinsurance.com/workers-comp "Workers' Comp Insurance for Small Businesses") 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](https://www.embroker.com/coverage/workers-compensation-insurance/ "Workers Compensation Insurance: Quotes & Coverage Options")

### 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](https://www.pieinsurance.com/workers-comp "Workers' Comp Insurance for Small Businesses") Embroker offers an instant online quote through its own digital platform without stating a specific completion time. [1](https://www.embroker.com/coverage/workers-compensation-insurance/ "Workers Compensation Insurance: Quotes & Coverage Options")

## 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](https://ratings.ambest.com/DisclosurePDF.aspx?AMBNum=12272&PCA=0 "AM Best Rating Disclosure Report — Pie Casualty Insurance Company")
- Ask Embroker to name the actual carrier that would issue your policy. [1](https://www.embroker.com/coverage/workers-compensation-insurance/ "Workers Compensation Insurance: Quotes & Coverage Options")
- Ask Pie for the specific exclusions that would apply to your class code. [2](https://www.pieinsurance.com/workers-comp "Workers' Comp Insurance for Small Businesses")

## Embroker vs Pie Insurance Workers’ Compensation Insurance Compared

| 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. [1](https://www.embroker.com/coverage/workers-compensation-insurance/ "Workers Compensation Insurance: Quotes & Coverage Options") (Evidence: Company-reported; scope: 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. [2](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 | Embroker offers an instant online quote for workers' compensation through its digital platform. [1](https://www.embroker.com/coverage/workers-compensation-insurance/ "Workers Compensation Insurance: Quotes & Coverage Options") (Evidence: Company-reported; scope: 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. [2](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 | 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. [1](https://www.embroker.com/coverage/workers-compensation-insurance/ "Workers Compensation Insurance: Quotes & Coverage Options") (Evidence: Company-reported; scope: 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. [2](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 | Embroker sells workers' compensation as a standalone policy and offers to package it with other coverages such as cyber and a business owners policy. [1](https://www.embroker.com/coverage/workers-compensation-insurance/ "Workers Compensation Insurance: Quotes & Coverage Options") (Evidence: Company-reported; scope: 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. [2](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..) |

## About Embroker and Pie Insurance and Workers’ Compensation Insurance

- [Embroker company profile](https://spot.insure/insurance-providers/embroker) · [Embroker customer reviews](https://spot.insure/insurance-providers/embroker/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 Embroker vs Pie Insurance Workers’ Compensation

- [Embroker vs Pie Insurance](https://spot.insure/compare/embroker-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.
- [Embroker Workers’ Compensation Insurance](https://spot.insure/insurance-providers/embroker/workers-compensation)
- [Pie Insurance Workers’ Compensation Insurance](https://spot.insure/insurance-providers/pie-insurance/workers-compensation)

## Sources for Embroker vs Pie Insurance Workers’ Compensation Insurance

### Sources About Embroker

1. [Workers Compensation Insurance: Quotes & Coverage Options](https://www.embroker.com/coverage/workers-compensation-insurance/). Embroker; Why it's essential; Who needs this coverage; What is Workers Compensation insurance?; What's covered; What's not included; Is Workers Compensation required by my state?; What are Workers Compensation limits?; How do Workers Compensation claims work?. Accessed 2026-09-23.

### Sources About Pie Insurance

2. [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.
3. [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/embroker-vs-pie-insurance/workers-compensation.md)
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