Gallagher vs 
Pie Insurance: How Do They Compare for Workers’ Compensation Insurance?
Pie Insurance underwrites workers' comp itself and advertises a roughly three-minute online quote from payroll and job-classification details; Gallagher Small Business arranges coverage with partner carriers instead.
Pie offers a roughly three-minute online quote, A- rated insurers and a post-term payroll audit; Gallagher offers online, phone and callback quotes. 3,1
What Are the Key Differences Between Gallagher and Pie Insurance Workers’ Compensation Insurance?
Who Carries the Risk
Pie requires payroll and class-code information and can issue certificates; Gallagher lists retraining costs, temporary replacement-worker wages and Texas opt-out guidance. Choose Pie for fast digital quoting and post-term audits; choose Gallagher for phone support or Texas rule context. 3 2 1
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. Gallagher offers a comparable online quote form, but also lists a small-business advisor phone line and a scheduled callback as alternatives. 2 1
Documentation and Audits
Pie says it can issue a Certificate of Insurance and performs a post-term premium audit comparing estimated to actual payroll. Gallagher's reviewed page does not describe a comparable certificate or audit process for this line. 2 1
What Should You Confirm in Gallagher 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. 3
- Ask Gallagher to name the insurer that would issue the policy before binding. 1
- Ask about the post-term payroll audit process with Pie, and ask Gallagher's placed carrier whether a similar true-up applies. 2
- Ask Gallagher whether any of its listed top claim causes apply to the business's operations. 1
Gallagher vs Pie Insurance Workers’ Compensation Insurance Compared
Gallagher vs Pie Insurance: Workers’ Compensation Insurance: documented features by provider
| Criteria | Gallagher Small Business Workers' Compensation Insurance | Pie Workers' Comp Insurance |
|---|---|---|
| Who It’s For | Gallagher says workers' compensation is typically mandated by state law based on employee count, which varies by state, and notes that Texas allows employers to opt out, though an employer can still be sued if an employee is hurt. It says any business with employees most likely needs a policy. 1Company-reported. Product page eligibility and market-trends sections; actual state requirements should be confirmed for the buyer's location. | 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 | Gallagher offers an online quote form, a small business advisor phone line (1.833.292.9441, Monday through Friday, 8 a.m. to 5 p.m., continental U.S.), and a scheduled callback request to start a workers' compensation quote. 1Company-reported. Product page "Get Covered Now" section. | 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 | Gallagher describes workers' compensation as covering medical costs and lost wages from a workplace injury or illness, costs to retrain a returning injured employee, related legal fees, and wages for a temporary replacement worker. 1Company-reported. Product page coverage overview; the issued policy and its exclusions control. Gallagher lists overexertion, slips/trips/falls, electrocution, being struck by or against objects, transportation incidents, machinery accidents, unintentional overdoses, workplace violence, and exposure to harmful substances as the top workers' compensation claim causes it tracks. 1Company-reported. Product page "Top 10 workers' compensation claims" list; a general industry pattern, not specific to any one policyholder. | 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 | Gallagher Small Business arranges workers' compensation coverage with partner carriers rather than underwriting the policy itself. 1Company-reported. Gallagher Small Business's direct-to-small-business workers' compensation 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. 2Company-reported. Workers' Comp product page as read on 2026-09-23; restates the provider record's verified insurer-route fact. |
