Gallagher vs Pie Insurance Workers’ Compensation Insurance

Pie underwrites workers' comp itself through an AM Best A-rated carrier group; Gallagher brokers the line without naming an insurer.

What Is Gallagher?

Gallagher is a business-insurance broker and risk-management consultancy. Its technology practice serves startups through global enterprises, alongside a separate small-business offering for IT professionals and an executive-risk practice covering D&O and transaction-related coverages. Woodruff Sawyer is now part of Gallagher. ^1,^2,^3,^4,⁵

Read the Gallagher profile

What Is Pie Insurance?

Pie Insurance sells and administers small-business commercial insurance, with affiliated carriers writing its workers’ compensation program and outside carrier partners supporting selected other products. Businesses can start a workers’ compensation quote online or use an agent, then manage documents, certificates, billing, audits and claim reporting through Pie’s service channels. ^7,^8,⁹

Read the Pie Insurance profile

What Is Workers’ Compensation Insurance?

Workers’ compensation insurance addresses medical care, rehabilitation and lost wages for employees’ work-related injuries or illnesses. Not every worker, contractor or owner is automatically covered, and not every injury qualifies — check who's included and what's compensable under your state's rules. ^11,^12,¹³

Read the full coverage guide

Key Differences in Workers’ Compensation Insurance

Who Carries the Risk

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. ¹⁰Verified. 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.

Gallagher's page does not name an insurer or describe underwriting its own coverage; it arranges workers' compensation with partner carriers rather than carrying the risk itself. ⁶

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. ⁸ ⁶

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. ⁸ ⁶

What to Confirm in 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. ¹⁰
Ask Gallagher to name the insurer that would issue the policy before binding. ⁶
Ask about the post-term payroll audit process with Pie, and ask Gallagher's placed carrier whether a similar true-up applies. ⁸
Ask Gallagher whether any of its listed top claim causes apply to the business's operations. ⁶

Offering Details

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

Criteria	Gallagher Small Business Workers' Compensation Insurance	Pie Workers' Comp Insurance
Role in This Line	Gallagher Small Business arranges workers' compensation coverage with partner carriers rather than underwriting the policy itself. ⁶Company-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. ⁸Company-reported. Workers' Comp product page as read on 2026-09-23; restates the provider record's verified insurer-route fact.
Issuing Insurer	The workers' compensation product page does not name the insurer that would issue a given business's policy. ⁶Not publicly disclosed. Checked the workers' compensation product page on 2026-09-23.	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. ¹⁰Verified. 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.
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. ⁶Company-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. ⁸Company-reported. Workers' Comp product page as read on 2026-09-23.
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. ⁶Company-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. ⁶Company-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. ⁸Company-reported. Workers' Comp product page as read on 2026-09-23; actual covered/excluded scenarios depend on the issued policy and state law.
Limits and Retentions	The workers' compensation product page does not publish premium ranges; statutory benefit levels are set by state law rather than the policy's published limits. ⁶Not publicly disclosed. Checked the workers' compensation product page on 2026-09-23.	Not described in the reviewed sources.
Risk Services	Not described in the reviewed sources.	Pie says it can issue a Certificate of Insurance to show proof of workers' comp coverage, which it notes some industries, such as construction, require before work can begin, and that it performs a post-term premium audit comparing estimated to actual payroll. ⁸Company-reported. Workers' Comp product page FAQ 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. ⁶Company-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. ⁸Company-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.

Full Comparison

More Gallagher vs Pie Insurance Comparisons

Other Workers’ Compensation Insurance Comparisons

Sources

Gallagher

Technology Insurance. Gallagher; Introduction; Solutions and coverages for the technology industry: Technology errors and omissions including cyber, Intellectual property insurance, Product liability, Employee benefits; Data-driven insights; global network. Accessed 2026-09-16.
Insurance for Technology & IT Businesses. Gallagher Small Business; Protection for IT Professionals & Their Technology-Based Businesses; recommended coverage menu, including Surety Bond Programs; Connect With An Advisor. Accessed 2026-09-16.
Executive and Financial Risk Insurance. Gallagher; Opening (insurance broking and placement); three key services; Directors and Officers; IPO and direct listings; Employment Practices; Fiduciary; Employee Dishonesty (Crime) and Fidelity Bond; Kidnap, Ransom and Extortion; M&A Transactional Insurance. Accessed 2026-09-16.
Legal Information. Gallagher Small Business; Producer identification immediately above Quick Links. Accessed 2026-09-16.
Woodruff Sawyer Is Now Gallagher. Gallagher; Opening; Executive and Financial Risk consulting; Continued access to client portals; contact form. Accessed 2026-09-16.
Workers' Compensation Insurance. Gallagher Small Business; Workers' Comp Insurance Overview; Do you need a Workers' Compensation insurance policy; Benefits of Workers' Compensation Insurance; Workers' Comp market trends; Top 10 workers' compensation claims; Get Covered Now. Accessed 2026-09-23.

Pie Insurance

Legal. Pie Insurance; State Licenses; footer disclosure naming producer and workers’ compensation versus third-party underwriting roles. Accessed 2026-09-15.
Workers' Comp Insurance for Small Businesses. 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.
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.
AM Best Rating Disclosure Report — Pie Casualty Insurance Company. 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.

Workers’ Compensation Insurance Guide

Workers’ Compensation Insurance. National Association of Insurance Commissioners; Opening definition; mandatory coverage except Texas opt-in; exclusive remedy; monopolistic state funds; self-insurance note. Accessed 2026-09-16.
Small Business Insurance. National Association of Insurance Commissioners; Typically covers medical expenses, rehabilitation costs and lost wages; check with your state insurance department; ask these questions / who qualifies as a covered employee (contractors, part-time staff, interns); payroll and type-of-work rating factors. Accessed 2026-09-16.
DWC employer information. California Department of Industrial Relations, Division of Workers’ Compensation; Opening trade-off and California requirement; basic benefits including medical care, temporary and permanent disability, supplemental job displacement, return-to-work supplement and death benefits; out-of-state employer note. Accessed 2026-09-16.