--- title: "Founder Shield vs Pie Insurance: Workers’ Compensation Insurance" description: "Pie writes workers' comp through its own A- rated insurers and advertises a roughly three-minute quote; Founder Shield places coverage with A- or better carriers matched to industry." canonical: "https://spot.insure/compare/foundershield-vs-pie-insurance/workers-compensation" page-type: "line-comparison" updated-at: "2026-09-25" comparison-pair: "foundershield-vs-pie-insurance" provider-a: "foundershield" 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. 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[Human-readable page](https://spot.insure/compare/foundershield-vs-pie-insurance/workers-compensation) ## Agent Guide **What this page is:** Focused comparison of Founder Shield 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 Founder Shield 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:** - Founder Shield vs Pie Insurance for Workers’ Compensation Insurance: how do they differ? - Which is better for Workers’ Compensation Insurance, Founder Shield or Pie Insurance? - What does Founder Shield or Pie Insurance publish about Workers’ Compensation Insurance (limits, eligibility, claims, add-ons)? **Key facts:** - Line: Workers’ Compensation Insurance. Providers: Founder Shield 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:** - [Founder Shield vs Pie Insurance](https://spot.insure/compare/foundershield-vs-pie-insurance) — all coverage lines for this pair - [Workers’ Compensation Insurance guide](https://spot.insure/coverage/workers-compensation) — how this coverage works - [Founder Shield profile](https://spot.insure/insurance-providers/foundershield) — provider profile - [Pie Insurance profile](https://spot.insure/insurance-providers/pie-insurance) — provider profile # Founder Shield vs Pie Insurance: How Do They Compare for Workers’ Compensation Insurance? Founder Shield is a brokerage that approaches carriers rated A- or higher for you; Pie Insurance underwrites workers' comp itself and quotes online from your payroll and job-classification code in roughly three minutes. Pie writes workers' comp through its own A- rated insurers and advertises a roughly three-minute quote; Founder Shield places coverage with A- or better carriers matched to industry. ## Founder Shield vs Pie Insurance Workers’ Compensation Insurance Summary Pie writes workers' comp through its own A- rated insurers and advertises a roughly three-minute quote; Founder Shield places coverage with A- or better carriers matched to industry. [5](https://ratings.ambest.com/DisclosurePDF.aspx?AMBNum=12272&PCA=0 "AM Best Rating Disclosure Report — Pie Casualty Insurance Company") [2](https://foundershield.com/about-us/ "About Us") ## What Are the Key Differences Between Founder Shield and Pie Insurance Workers’ Compensation Insurance? ### Who Carries the Risk Pie asks for payroll and class-code details and audits payroll after the term; Founder Shield asks buyers or an advisor to request placement. Choose Pie if you want a fast online quote and its named insurer rating; choose Founder Shield if your industry fit and advisor-led placement matter. [5](https://ratings.ambest.com/DisclosurePDF.aspx?AMBNum=12272&PCA=0 "AM Best Rating Disclosure Report — Pie Casualty Insurance Company") [4](https://www.pieinsurance.com/workers-comp "Workers' Comp Insurance for Small Businesses") [2](https://foundershield.com/about-us/ "About Us") ### How You Get a Quote Pie describes a roughly three-minute online quote requiring the applicant's name, business name, payroll and class code, with a tool to help identify the class code. Founder Shield's reviewed pages do not describe a comparable self-serve online quote; they describe buyers requesting coverage through its website or an advisor, who then approaches carriers on the client's behalf. [4](https://www.pieinsurance.com/workers-comp "Workers' Comp Insurance for Small Businesses") [2](https://foundershield.com/about-us/ "About Us") ### Documentation and Audits Pie says it can issue a Certificate of Insurance and performs a post-term premium audit comparing estimated to actual payroll. Founder Shield's reviewed pages do not describe a comparable certificate or audit process for this line. [4](https://www.pieinsurance.com/workers-comp "Workers' Comp Insurance for Small Businesses") [1](https://foundershield.com/coverage/workers-compensation-insurance/ "Workers' Compensation Insurance") ## What Should You Confirm in Founder Shield and Pie Insurance Workers’ Compensation Insurance Quotes? - Confirm Pie's current AM Best rating directly, since the disclosure cited here reflects an April 2026 rating action for Pie Casualty Insurance Company. [5](https://ratings.ambest.com/DisclosurePDF.aspx?AMBNum=12272&PCA=0 "AM Best Rating Disclosure Report — Pie Casualty Insurance Company") - Ask Founder Shield to name the specific A-rated carrier it is proposing for this quote. [3](https://foundershield.com/insurance-faqs/general-faqs/how-do-you-decide-which-carriers-to-approach/ "How Do You Decide Which Carriers to Approach?") - Ask about the post-term payroll audit process with Pie, and ask Founder Shield's placed carrier whether a similar true-up applies. [4](https://www.pieinsurance.com/workers-comp "Workers' Comp Insurance for Small Businesses") - Confirm whether the optional employer-liability add-on Founder Shield describes is included in the quote or priced separately. [1](https://foundershield.com/coverage/workers-compensation-insurance/ "Workers' Compensation Insurance") ## Founder Shield vs Pie Insurance Workers’ Compensation Compared | Criteria | Founder Shield Workers' Compensation Insurance | Pie Workers' Comp Insurance | | --- | --- | --- | | Who It’s For | Founder Shield's page says most states require workers' compensation as soon as a company hires its first employee, and highlights construction, restaurants/hospitality, professional offices, healthcare and retail as buyer segments. [1](https://foundershield.com/coverage/workers-compensation-insurance/ "Workers' Compensation Insurance") (Evidence: Company-reported; scope: Workers' Compensation Insurance product page..) | Pie says workers' compensation is legally required in nearly all states for businesses with few exceptions, and markets its program to small businesses. [4](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 request Founder Shield Workers' Compensation Insurance through Founder Shield's website or an insurance advisor rather than binding coverage directly; Founder Shield says its placement team then approaches carriers on the client's behalf. [2](https://foundershield.com/about-us/ "About Us") [3](https://foundershield.com/insurance-faqs/general-faqs/how-do-you-decide-which-carriers-to-approach/ "How Do You Decide Which Carriers to Approach?") (Evidence: Company-reported; scope: About-us and carrier-selection pages describe the general placement process, not a line-specific application form..) | 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. [4](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 | Founder Shield lists medical expenses, a portion of lost wages, rehabilitation costs, death benefits, and an optional employer-liability add-on as what the policy covers. [1](https://foundershield.com/coverage/workers-compensation-insurance/ "Workers' Compensation Insurance") (Evidence: Company-reported; scope: Product page; the issued policy and declarations control actual coverage..) | 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. [4](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 | Founder Shield is a retail insurance brokerage, described on its site as “the innovation arm of The Baldwin Group,” and places Founder Shield Workers' Compensation Insurance with third-party carriers rather than underwriting the policy itself. [2](https://foundershield.com/about-us/ "About Us") (Evidence: Company-reported; scope: About-us page; applies to Founder Shield's brokerage model generally, restated here for this line..) | 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. [4](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..) | | Issuing Insurer | Founder Shield says it places policies, including Founder Shield Workers' Compensation Insurance, only with carriers rated A- or better by AM Best, chosen for the client's industry. It does not name the issuing insurer for this line; that depends on which carrier the policy is placed with. [3](https://foundershield.com/insurance-faqs/general-faqs/how-do-you-decide-which-carriers-to-approach/ "How Do You Decide Which Carriers to Approach?") (Evidence: Company-reported; scope: General carrier-selection FAQ, not specific to this line's placements..) | 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. [5](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..) | ## About Founder Shield and Pie Insurance and Workers’ Compensation - [Founder Shield company profile](https://spot.insure/insurance-providers/foundershield) · [Founder Shield customer reviews](https://spot.insure/insurance-providers/foundershield/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 Founder Shield vs Pie Insurance - [Founder Shield vs Pie Insurance](https://spot.insure/compare/foundershield-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. - [Founder Shield Workers’ Compensation Insurance](https://spot.insure/insurance-providers/foundershield/workers-compensation) - [Pie Insurance Workers’ Compensation Insurance](https://spot.insure/insurance-providers/pie-insurance/workers-compensation) ## Sources for Founder Shield vs Pie Insurance ### Sources About Founder Shield 1. [Workers' Compensation Insurance](https://foundershield.com/coverage/workers-compensation-insurance/). Founder Shield; What Is Workers’ Comp Insurance?; Who Needs Workers’ Comp Insurance Coverage?; What Does Workers’ Comp Insurance Cover?. Accessed 2026-09-23. 2. [About Us](https://foundershield.com/about-us/). Founder Shield; “Founder Shield is the innovation arm of The Baldwin Group”; company history and mission. Accessed 2026-09-23. 3. [How Do You Decide Which Carriers to Approach?](https://foundershield.com/insurance-faqs/general-faqs/how-do-you-decide-which-carriers-to-approach/). Founder Shield; FAQ answer on carrier selection: works exclusively with A-rated (AM Best) carriers, matched by industry appetite. Accessed 2026-09-23. ### Sources About Pie Insurance 4. [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. 5. [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/foundershield-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)