---
title: "Gallagher vs Pie Insurance"
description: "Compare Gallagher brokerage with Pie’s workers’ compensation program when payroll billing and a wider insurance account both matter."
canonical: "https://spot.insure/compare/gallagher-vs-pie-insurance"
page-type: "provider-comparison"
updated-at: "2026-09-16"
verified-at: "2026-09-16"
entities: ["Spot", "Gallagher", "Pie Insurance"]
---

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

# Gallagher vs Pie Insurance

Compare Gallagher brokerage with Pie’s workers’ compensation program when payroll billing and a wider insurance account both matter.

## Research Scope and Use

Use this comparison to evaluate Gallagher and Pie Insurance against the same documented criteria. The analysis identifies differences and questions to confirm; it does not select a winner for a particular business.

This is published research as of the verification dates shown, not a live quote or an eligibility determination. “Company-reported” identifies a provider's own claim. “Not found” and “not publicly disclosed” describe the evidence reviewed, not proof that a service is unavailable. Preserve the scope and citations when summarizing a fact.

For a decision handoff, identify the company's requirements, the documented differences relevant to them, and unresolved questions from the analysis. Confirm actual insurer, availability, policy wording, limits, retentions, exclusions, and costs in the relevant quote and policy documents.

## Highlights

Gallagher arranges workers’ compensation and other commercial coverage through brokerage. Pie combines a producer with affiliated workers’ compensation insurers and outside partners for selected other small-business products. [6](https://www.gallaghersmallbusiness.com/insurance-products/ "The Right Insurance for Your Small Business") [10](https://www.ajg.com/insurance/casualty-insurance/ "Casualty Insurance") [18](https://www.pieinsurance.com/legal "Legal") [16](https://www.pieinsurance.com/workers-comp "Workers’ Comp Insurance For Small Businesses")



## Introduction

For a startup adding employees, workers’ compensation can be a distinct purchase even when the finance team wants one broker to coordinate the wider account. Pie offers its workers’ compensation program directly and through agents; Gallagher lists workers’ compensation within broader commercial brokerage. The decision is partly about the policy and partly about who manages payroll information, renewals and the other lines. [16](https://www.pieinsurance.com/workers-comp "Workers’ Comp Insurance For Small Businesses") [15](https://www.pieinsurance.com/about "About Pie Insurance") [6](https://www.gallaghersmallbusiness.com/insurance-products/ "The Right Insurance for Your Small Business")

## Documented Provider Strengths

### Gallagher

- Technology specialists for startups through global enterprises. [2](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") [7](https://www.gallaghersmallbusiness.com/technology-services/ "Insurance for Technology & IT Businesses") (Evidence: Company-reported; scope: US marketed audiences; no inference of minimum premiums or acceptance of every bootstrapped applicant.; verified: 2026-09-16.)
- Executive-risk and transaction support, including IPOs and M&A. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: US executive and financial risk practice; terms and client eligibility require placement-specific confirmation.; verified: 2026-09-16.)

### Pie Insurance

- Small businesses can start a workers’ compensation quote directly online or through an insurance agent. [15](https://www.pieinsurance.com/about "About Pie Insurance") [14](https://www.pieinsurance.com/ "Pie Insurance") [16](https://www.pieinsurance.com/workers-comp "Workers’ Comp Insurance For Small Businesses") (Evidence: Company-reported; scope: Workers’ compensation access for small businesses and agencies; other product pages direct buyers to quote or contact flows but do not document the same process.; verified: 2026-09-15.)
- Workers’ compensation payment options include pay-as-you-go using reported payroll, with no initial deposit. [30](https://www.pieinsurance.com/payment-options "Payment Options") [31](https://www.pieinsurance.com/pay-as-you-go "Pay-As-You-Go With Pie Insurance") (Evidence: Company-reported; scope: Pie’s current workers’ compensation payment pages; actual availability and policy-specific charges need confirmation in the quote.; verified: 2026-09-15.)

## Coverage Comparison

| Coverage Type | Gallagher | Pie Insurance |
| --- | --- | --- |
| Builders risk | Listed [11](https://www.ajg.com/insurance/property-insurance/ "Property Insurance") | Not listed |
| Business owner’s policy | Listed [6](https://www.gallaghersmallbusiness.com/insurance-products/ "The Right Insurance for Your Small Business") | Listed [20](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner’s Policy") |
| Commercial auto | Listed [6](https://www.gallaghersmallbusiness.com/insurance-products/ "The Right Insurance for Your Small Business") | Not listed |
| Commercial property | Listed [6](https://www.gallaghersmallbusiness.com/insurance-products/ "The Right Insurance for Your Small Business") | Not listed |
| Crime | Listed [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") | Not listed |
| Cyber liability | Listed [2](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") | Listed [21](https://www.pieinsurance.com/small-business-insurance/cyber-insurance "Cyber Insurance For Small Businesses") |
| Directors and officers | Listed [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") | Not listed |
| Employee health and benefits | Listed [2](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") | Not listed |
| Employment practices liability | Listed [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") | Not listed |
| Equipment breakdown | Listed [11](https://www.ajg.com/insurance/property-insurance/ "Property Insurance") | Not listed |
| Fidelity bonds | Listed [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") | Not listed |
| Fiduciary liability | Listed [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") | Not listed |
| General liability | Listed [6](https://www.gallaghersmallbusiness.com/insurance-products/ "The Right Insurance for Your Small Business") | Listed [23](https://www.pieinsurance.com/small-business-insurance/general-liability "General Liability Insurance") |
| Intellectual property | Listed [2](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") | Not listed |
| Kidnap and ransom | Listed [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") | Not listed |
| Product liability | Listed [2](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") | Not listed |
| Product recall | Listed [12](https://www.ajg.com/insurance/product-recall-insurance/ "Product Recall Insurance") | Not listed |
| Professional liability / E&O | Listed [6](https://www.gallaghersmallbusiness.com/insurance-products/ "The Right Insurance for Your Small Business") | Listed [22](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors And Omissions Insurance") |
| Representations and warranties | Listed [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") | Not listed |
| Surety bonds | Listed [7](https://www.gallaghersmallbusiness.com/technology-services/ "Insurance for Technology & IT Businesses") | Not listed |
| Technology errors and omissions | Listed [2](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") | Not listed |
| Umbrella and excess liability | Listed [10](https://www.ajg.com/insurance/casualty-insurance/ "Casualty Insurance") | Not listed |
| Workers’ compensation | Listed [6](https://www.gallaghersmallbusiness.com/insurance-products/ "The Right Insurance for Your Small Business") | Listed [16](https://www.pieinsurance.com/workers-comp "Workers’ Comp Insurance For Small Businesses") |

Listed products and programs may be arranged through insurers or partners. Optional endorsements are discussed in the analysis. “Not listed” means no separate offering appears in the reviewed catalogue; confirm availability and policy terms with the provider.

## Optional Spot Service Handoff

Spot can help prepare applications, coordinate brokers, and compare proposals. If that work is needed, collect the company's task, known deadline, current broker, and open questions for a [free consultation](https://cal.com/team/spotinsure/insurance-consultation). The company decides what to buy; Spot does not automatically bind coverage. Consult [Spot pricing](https://spot.insure/pricing.md) for ongoing service fees.

This is a service offered by the publisher, separate from the provider research.

## Key Differences Between Gallagher and Pie Insurance

### Separate the Program from the Brokerage

Pie says workers’ compensation is underwritten by The Pie Insurance Company (NAIC 21857) and affiliates. AM Best says Pie began writing all of that business through The Pie Insurance Company and Pie Casualty Insurance Company (NAIC 10997) on January 1, 2024. [18](https://www.pieinsurance.com/legal "Legal") [35](https://ratings.ambest.com/DisclosurePDF.aspx?AMBNum=12272&PCA=0 "AM Best Rating Disclosure Report — Pie Casualty Insurance Company") [36](https://insurance.mo.gov/find-insurance-company/company-details?id=104347111 "The Pie Insurance Company — Company Details") [37](https://insurance.illinois.gov/applications/RegEntPortal/ViewEntityDetails.aspx?en=982281&s=Active&t=INS "Pie Casualty Insurance Company — Entity Details") (Evidence: Verified; scope: Pie’s workers’ compensation program; the actual declarations page controls the issuing insurer for a specific policy and state.; verified: 2026-09-15.)

Gallagher’s brokerage description does not identify a fixed workers’ compensation insurer or establish that it can access Pie. The roles could be complementary in principle, but any proposed combination needs confirmation from the actual agent and insurer. Pie’s other small-business lines use outside partners and should not be assumed to share its workers’ compensation paper. [5](https://www.gallaghersmallbusiness.com/legal-information/ "Legal Information") [18](https://www.pieinsurance.com/legal "Legal")

### Payroll-Based Billing Does Not Eliminate the Audit

Published workers’ compensation options include annual, semi-annual, quarterly and monthly schedules, plus pay-as-you-go. The monthly schedule requires 16.6% upfront followed by ten monthly payments; pay-as-you-go uses reported payroll and no initial deposit. [30](https://www.pieinsurance.com/payment-options "Payment Options") [31](https://www.pieinsurance.com/pay-as-you-go "Pay-As-You-Go With Pie Insurance") (Evidence: Company-reported; scope: Pie’s current workers’ compensation payment pages; actual availability and policy-specific charges need confirmation in the quote.; verified: 2026-09-15.)

Pie requires an annual workers’ compensation premium audit that replaces estimated payroll with actual payroll information. Its audit partner may request payroll and employee records, cash-expense details and subcontractor certificates, so the final premium can differ from the initial estimate. [32](https://www.pieinsurance.com/workers-comp/premium-audit "Your Workers’ Comp Premium Audit") (Evidence: Company-reported; scope: Pie workers’ compensation premium audit process; the page does not quantify any resulting additional charge or refund.; verified: 2026-09-15.)

Gallagher describes pre-renewal coordination across finance, HR and operations in its casualty practice. Compare who will maintain payroll classifications and records, as well as payment timing. A pay-as-you-go arrangement addresses the billing basis; it should not be mistaken for a promise that the initial premium is final. [10](https://www.ajg.com/insurance/casualty-insurance/ "Casualty Insurance")

### Keep Other Lines and State Instructions Separate

Pie’s current partner offerings include BOP, cyber, general liability and professional E&O. Its record also expressly documents the end of new and renewal commercial-auto issuance. Gallagher’s catalogue lists commercial auto, but a buyer still needs an actual quote and service plan for it. [20](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner’s Policy") [21](https://www.pieinsurance.com/small-business-insurance/cyber-insurance "Cyber Insurance For Small Businesses") [27](https://www.pieinsurance.com/claims/comm-auto-faq "Commercial Auto Claim FAQs") [6](https://www.gallaghersmallbusiness.com/insurance-products/ "The Right Insurance for Your Small Business")

Pie’s published state counts and claims-handler allocation are not fully reconciled. Use the current quote and state kit to resolve the locations and reporting team rather than using a nationwide headline. [24](https://www.pieinsurance.com/agency/states-we-serve "Workers’ Comp Coverage By State") [34](https://www.pieinsurance.com/agency/faq "Partner FAQ")

## What to Confirm in Quotes

- Which carrier writes workers’ compensation, and who services it if an agent is involved?
- Can the payroll system support the proposed reporting schedule, and what audit records remain required?
- Confirm every employee location and class, the current claims handler and the notice instructions.
- Identify separate policies and contacts for the rest of the account, including vehicles; request all payment, waiver and producer charges.



## Service Comparison

Gallagher vs Pie Insurance: documented services and availability.

| Criteria | Gallagher | Pie Insurance |
| --- | --- | --- |
| Business role | Gallagher arranges business insurance and provides risk-management and employee-benefits consulting. Its technology practice serves startups through global enterprises. [2](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: US commercial brokerage and technology practice; company descriptions, not an underwriting designation.; verified: 2026-09-16.)<br><br>Woodruff Sawyer is now part of Gallagher. Gallagher’s transition page retains access to Woodruff Sawyer client portals. [1](https://www.ajg.com/merger-partners/woodruff-sawyer-is-now-gallagher/ "Woodruff Sawyer Is Now Gallagher") (Evidence: Company-reported; scope: Former-name/history alias only; no separate provider or claim that every acquired legal entity has changed its name.; verified: 2026-09-16.)<br><br>Gallagher Small Business identifies Arthur J. Gallagher Risk Management Services, LLC as its insurance-brokerage service provider. The exact producer for a former Woodruff Sawyer account should be confirmed in the engagement documents. [5](https://www.gallaghersmallbusiness.com/legal-information/ "Legal Information") [1](https://www.ajg.com/merger-partners/woodruff-sawyer-is-now-gallagher/ "Woodruff Sawyer Is Now Gallagher") (Evidence: Company-reported; scope: Entity disclosure is scoped to the small-business channel; not a group-wide contracting-entity assertion.; verified: 2026-09-16.) | Pie Insurance is a small-business commercial insurance group whose producer, Pie Insurance Services, sells and administers policies. Its affiliated carriers write workers’ compensation, while selected other products are offered through outside carrier partners. [15](https://www.pieinsurance.com/about "About Pie Insurance") [18](https://www.pieinsurance.com/legal "Legal") [16](https://www.pieinsurance.com/workers-comp "Workers’ Comp Insurance For Small Businesses") [20](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner’s Policy") [21](https://www.pieinsurance.com/small-business-insurance/cyber-insurance "Cyber Insurance For Small Businesses") [22](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors And Omissions Insurance") [23](https://www.pieinsurance.com/small-business-insurance/general-liability "General Liability Insurance") (Evidence: Company-reported; scope: Current public Pie brand and US small-business insurance services; this describes group roles, not a promise that every product is available to every applicant.; verified: 2026-09-15.)<br><br>Pie Group Holdings, Inc. owns the public website and is the regulator-listed parent of Pie Casualty Insurance Company. AM Best identifies the rated carrier group as Pie Insurance Group. [17](https://www.pieinsurance.com/legal/terms-of-use "Terms Of Use") [37](https://insurance.illinois.gov/applications/RegEntPortal/ViewEntityDetails.aspx?en=982281&s=Active&t=INS "Pie Casualty Insurance Company — Entity Details") [35](https://ratings.ambest.com/DisclosurePDF.aspx?AMBNum=12272&PCA=0 "AM Best Rating Disclosure Report — Pie Casualty Insurance Company") (Evidence: Verified; scope: Website ownership and the parent shown for Pie Casualty Insurance Company; no claim about voting control or every intermediate subsidiary.; verified: 2026-09-15.)<br><br>Pie identifies Pie Insurance Services, Inc. as the licensed producer that sells and administers policies; its legal page publishes state licenses but is not a substitute for a current regulator lookup in the buyer’s state. [18](https://www.pieinsurance.com/legal "Legal") [38](https://oci.wi.gov/Pages/PressReleases/AdminActions202401.aspx "Administrative Actions — January 2024") (Evidence: Company-reported; scope: Producer identity and Pie-published US license list; Wisconsin’s regulator separately identifies this entity in a 2024 administrative action.; verified: 2026-09-15.) |
| Access to insurers | Gallagher describes access to multiple insurance markets. Its executive-risk practice says it considers carrier qualifications and client preferences when selecting potential underwriters; these pages do not identify the insurer that would write a specific startup’s policy. [6](https://www.gallaghersmallbusiness.com/insurance-products/ "The Right Insurance for Your Small Business") [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: US public market-access descriptions; no insurer list or carrier logo treated as guaranteed placement access.; verified: 2026-09-16.) | Pie says workers’ compensation is underwritten by The Pie Insurance Company (NAIC 21857) and affiliates. AM Best says Pie began writing all of that business through The Pie Insurance Company and Pie Casualty Insurance Company (NAIC 10997) on January 1, 2024. [18](https://www.pieinsurance.com/legal "Legal") [35](https://ratings.ambest.com/DisclosurePDF.aspx?AMBNum=12272&PCA=0 "AM Best Rating Disclosure Report — Pie Casualty Insurance Company") [36](https://insurance.mo.gov/find-insurance-company/company-details?id=104347111 "The Pie Insurance Company — Company Details") [37](https://insurance.illinois.gov/applications/RegEntPortal/ViewEntityDetails.aspx?en=982281&s=Active&t=INS "Pie Casualty Insurance Company — Entity Details") (Evidence: Verified; scope: Pie’s workers’ compensation program; the actual declarations page controls the issuing insurer for a specific policy and state.; verified: 2026-09-15.)<br><br>AM Best affirmed Pie Casualty Insurance Company’s pooled A- (Excellent) financial strength rating with a Stable outlook, effective April 24, 2026. A rating is an opinion of insurer financial strength, not a guarantee that a claim is covered or paid. [35](https://ratings.ambest.com/DisclosurePDF.aspx?AMBNum=12272&PCA=0 "AM Best Rating Disclosure Report — Pie Casualty Insurance Company") (Evidence: Verified; scope: Pie Casualty Insurance Company and the consolidated Pie Insurance Group rating unit as identified in the disclosure report.; verified: 2026-09-15.)<br><br>Pie says business owner’s, general liability and professional liability policies are underwritten by unaffiliated third-party insurers, and its cyber page refers to carrier partners. The reviewed public pages do not name the currently participating insurers for these products. [18](https://www.pieinsurance.com/legal "Legal") [20](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner’s Policy") [21](https://www.pieinsurance.com/small-business-insurance/cyber-insurance "Cyber Insurance For Small Businesses") [22](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors And Omissions Insurance") [23](https://www.pieinsurance.com/small-business-insurance/general-liability "General Liability Insurance") (Evidence: Not publicly disclosed; scope: Current public BOP, cyber, general-liability and professional-liability/E&O pages; account-specific carrier access was not tested.; verified: 2026-09-15.) |
| Availability | Gallagher Small Business publishes California license number 0D69293 and National Producer Number 19837 for Arthur J. Gallagher Risk Management Services, LLC. This is a company disclosure, not an independently verified license or confirmation that a particular California risk is eligible. [5](https://www.gallaghersmallbusiness.com/legal-information/ "Legal Information") (Evidence: Company-reported; scope: Company-published producer identifiers checked 2026-09-16; California regulator record not verified.; verified: 2026-09-16.)<br><br>The reviewed technology, small-business product and producer pages do not establish a California-specific insurer, policy form or eligibility rule for each listed product. Obtain a quote identifying the producer and California placement route. [2](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") [6](https://www.gallaghersmallbusiness.com/insurance-products/ "The Right Insurance for Your Small Business") [5](https://www.gallaghersmallbusiness.com/legal-information/ "Legal Information") (Evidence: Not found in reviewed sources; scope: Reviewed public sources only; office location, contact availability and US marketing are not coverage eligibility.; verified: 2026-09-16.) | Pie’s dedicated state page and AM Best describe workers’ compensation in 40 states and Washington, D.C., but Pie’s homepage and January 2026 release say 39 states plus D.C. Confirm the business locations and class codes in the current quote or agent portal. [24](https://www.pieinsurance.com/agency/states-we-serve "Workers’ Comp Coverage By State") [25](https://www.pieinsurance.com/agency/document-library "Agency Document Library") [14](https://www.pieinsurance.com/ "Pie Insurance") [26](https://www.pieinsurance.com/resource-center/press/2025-year-in-review "Pie Insurance Reports Strong 2025") [35](https://ratings.ambest.com/DisclosurePDF.aspx?AMBNum=12272&PCA=0 "AM Best Rating Disclosure Report — Pie Casualty Insurance Company") (Evidence: Conflicting sources; scope: Public workers’ compensation footprint as of 15 September 2026; the state-page selector, document library and other marketing surfaces were not internally consistent.; verified: 2026-09-15.)<br><br>The reviewed BOP, cyber, general-liability and professional-liability pages do not publish a product-by-state availability table. Pie’s terms also say products are not available in every US area or situation. [20](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner’s Policy") [21](https://www.pieinsurance.com/small-business-insurance/cyber-insurance "Cyber Insurance For Small Businesses") [23](https://www.pieinsurance.com/small-business-insurance/general-liability "General Liability Insurance") [22](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors And Omissions Insurance") [17](https://www.pieinsurance.com/legal/terms-of-use "Terms Of Use") (Evidence: Not publicly disclosed; scope: Public availability for Pie’s partner-carrier products; no quote or contact form was submitted.; verified: 2026-09-15.) |
| Servicing and renewals | Gallagher describes Go for client information and self-service, Submit for submission tracking and documents, and Verify for certificate management. Confirm which tools and service team your engagement includes. [2](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") (Evidence: Company-reported; scope: Company-described technology-practice tools; no logged-in testing or universal account entitlement.; verified: 2026-09-16.)<br><br>For former Woodruff Sawyer clients, Gallagher links WS Connect for benefits and documents, Woodruff360 for policies, claim submission and certificates, and CSR 24 for certificates and auto ID cards. [1](https://www.ajg.com/merger-partners/woodruff-sawyer-is-now-gallagher/ "Woodruff Sawyer Is Now Gallagher") (Evidence: Company-reported; scope: Transition-page descriptions; no portal functionality tested.; verified: 2026-09-16.)<br><br>Gallagher’s casualty practice describes pre-renewal meetings involving finance, HR, operations and risk-management stakeholders, alongside contract reviews and coverage-gap analysis. Confirm the renewal timetable and deliverables for your account. [10](https://www.ajg.com/insurance/casualty-insurance/ "Casualty Insurance") (Evidence: Company-reported; scope: Casualty-practice service description, not a promise for all small-business engagements.; verified: 2026-09-16.) | Pie’s policyholder account tutorial describes payment-method updates, instant or custom workers’ compensation certificates, policy details and downloads for policies, state posters, certificates and endorsements. Agent-served customers may need their agent for a custom certificate. [28](https://www.pieinsurance.com/resource-center/online-account-tutorial "Online Account Tutorial") [29](https://www.pieinsurance.com/workers-comp/resources/frequently-asked-questions "Workers’ Comp FAQs") (Evidence: Company-reported; scope: Published workers’ compensation account tutorial; authenticated features were not accessed or independently tested.; verified: 2026-09-15.)<br><br>Pie requires an annual workers’ compensation premium audit that replaces estimated payroll with actual payroll information. Its audit partner may request payroll and employee records, cash-expense details and subcontractor certificates, so the final premium can differ from the initial estimate. [32](https://www.pieinsurance.com/workers-comp/premium-audit "Your Workers’ Comp Premium Audit") (Evidence: Company-reported; scope: Pie workers’ compensation premium audit process; the page does not quantify any resulting additional charge or refund.; verified: 2026-09-15.)<br><br>Pie says it sends a workers’ compensation renewal quote about 30 days before the current term ends for the policyholder’s review and acceptance. [29](https://www.pieinsurance.com/workers-comp/resources/frequently-asked-questions "Workers’ Comp FAQs") (Evidence: Company-reported; scope: Workers’ compensation renewal timing in the policyholder FAQ; not a guarantee of renewal or unchanged terms.; verified: 2026-09-15.) |
| Fees and compensation | Gallagher discloses brokerage commissions or fees, sometimes both, as well as possible contingent and supplemental commissions. Affiliates or other intermediaries may also earn compensation. It directs clients to their representative for placement-specific details; the disclosure provides no startup fee schedule. [4](https://www.ajg.com/about-us/disclosures/ "Compensation Disclosure") (Evidence: Company-reported; scope: US compensation disclosure; no fee-free or uniform commission assumption.; verified: 2026-09-16.) | Published workers’ compensation options include annual, semi-annual, quarterly and monthly schedules, plus pay-as-you-go. The monthly schedule requires 16.6% upfront followed by ten monthly payments; pay-as-you-go uses reported payroll and no initial deposit. [30](https://www.pieinsurance.com/payment-options "Payment Options") [31](https://www.pieinsurance.com/pay-as-you-go "Pay-As-You-Go With Pie Insurance") (Evidence: Company-reported; scope: Pie’s current workers’ compensation payment pages; actual availability and policy-specific charges need confirmation in the quote.; verified: 2026-09-15.)<br><br>Pie publishes a 3% credit-card convenience fee for new, single-state workers’ compensation policies, except in Florida, Nebraska, Maryland and Rhode Island. Its page does not describe this fee for multi-state or renewal policies. [30](https://www.pieinsurance.com/payment-options "Payment Options") (Evidence: Company-reported; scope: Credit-card payments for new single-state workers’ compensation policies under the current payment-options page.; verified: 2026-09-15.)<br><br>Pie says each specific or blanket waiver-of-subrogation request carries a charge set by state rules and disclosed individually; the public FAQ does not give a dollar schedule. [29](https://www.pieinsurance.com/workers-comp/resources/frequently-asked-questions "Workers’ Comp FAQs") (Evidence: Not publicly disclosed; scope: Workers’ compensation waiver requests through Pie’s published service process.; verified: 2026-09-15.)<br><br>Pie says partner agents receive commissions on new and renewal workers’ compensation policies, and its legal footer says compensation rates can vary among insurers. The reviewed current pages do not publish the standard rate or the amount attached to a buyer’s policy. [34](https://www.pieinsurance.com/agency/faq "Partner FAQ") [18](https://www.pieinsurance.com/legal "Legal") (Evidence: Not publicly disclosed; scope: Agency-distributed workers’ compensation and other third-party placements; expired promotional incentives were not treated as current standard compensation.; verified: 2026-09-15.) |

## Related Reading

- [What Is Gallagher?](https://spot.insure/insurance-providers/gallagher)
- [What Is Pie Insurance?](https://spot.insure/insurance-providers/pie-insurance)

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- [Corgi vs Pie Insurance](https://spot.insure/compare/corgi-vs-pie-insurance)
- [Coterie Insurance vs Gallagher](https://spot.insure/compare/coterie-vs-gallagher)
- [Coterie Insurance vs Pie Insurance](https://spot.insure/compare/coterie-vs-pie-insurance)
- [Coverdash vs Gallagher](https://spot.insure/compare/coverdash-vs-gallagher)
- [Coverdash vs Pie Insurance](https://spot.insure/compare/coverdash-vs-pie-insurance)
- [Cowbell vs Gallagher](https://spot.insure/compare/cowbell-vs-gallagher)
- [Cowbell vs Pie Insurance](https://spot.insure/compare/cowbell-vs-pie-insurance)
- [Embroker vs Gallagher](https://spot.insure/compare/embroker-vs-gallagher)
- [Embroker vs Pie Insurance](https://spot.insure/compare/embroker-vs-pie-insurance)
- [Founder Shield vs Gallagher](https://spot.insure/compare/foundershield-vs-gallagher)
- [Founder Shield vs Pie Insurance](https://spot.insure/compare/foundershield-vs-pie-insurance)
- [Gallagher vs Harper](https://spot.insure/compare/gallagher-vs-harper)
- [Gallagher vs Heffernan Insurance Brokers](https://spot.insure/compare/gallagher-vs-heffernan)
- [Gallagher vs Hiscox](https://spot.insure/compare/gallagher-vs-hiscox)
- [Gallagher vs HUB International](https://spot.insure/compare/gallagher-vs-hub-international)
- [Gallagher vs Kinro](https://spot.insure/compare/gallagher-vs-kinro)
- [Gallagher vs Layr](https://spot.insure/compare/gallagher-vs-layr)
- [Gallagher vs Lockton](https://spot.insure/compare/gallagher-vs-lockton)
- [Gallagher vs Marsh](https://spot.insure/compare/gallagher-vs-marsh)
- [Gallagher vs Mylo](https://spot.insure/compare/gallagher-vs-mylo)
- [Gallagher vs Newfront](https://spot.insure/compare/gallagher-vs-newfront)
- [Gallagher vs ERGO NEXT Insurance](https://spot.insure/compare/gallagher-vs-next-insurance)
- [Gallagher vs Relm Insurance](https://spot.insure/compare/gallagher-vs-relm)
- [Gallagher vs Resilience](https://spot.insure/compare/gallagher-vs-resilience)
- [Gallagher vs RiskCube](https://spot.insure/compare/gallagher-vs-riskcube)
- [Gallagher vs Risklytics Insurance](https://spot.insure/compare/gallagher-vs-risklytics)
- [Gallagher vs StartupInsurance.ai](https://spot.insure/compare/gallagher-vs-startupinsurance)
- [Gallagher vs TechInsurance](https://spot.insure/compare/gallagher-vs-techinsurance)
- [Gallagher vs The Hartford](https://spot.insure/compare/gallagher-vs-the-hartford)
- [Gallagher vs Travelers](https://spot.insure/compare/gallagher-vs-travelers)
- [Gallagher vs USI Insurance Services](https://spot.insure/compare/gallagher-vs-usi)
- [Gallagher vs Vouch](https://spot.insure/compare/gallagher-vs-vouch)
- [Gallagher vs WithCoverage](https://spot.insure/compare/gallagher-vs-withcoverage)
- [Harper vs Pie Insurance](https://spot.insure/compare/harper-vs-pie-insurance)
- [Heffernan vs Pie Insurance](https://spot.insure/compare/heffernan-vs-pie-insurance)
- [Hiscox vs Pie Insurance](https://spot.insure/compare/hiscox-vs-pie-insurance)
- [HUB International vs Pie Insurance](https://spot.insure/compare/hub-international-vs-pie-insurance)
- [Kinro vs Pie Insurance](https://spot.insure/compare/kinro-vs-pie-insurance)
- [Layr vs Pie Insurance](https://spot.insure/compare/layr-vs-pie-insurance)
- [Lockton vs Pie Insurance](https://spot.insure/compare/lockton-vs-pie-insurance)
- [Marsh vs Pie Insurance](https://spot.insure/compare/marsh-vs-pie-insurance)
- [Mylo vs Pie Insurance](https://spot.insure/compare/mylo-vs-pie-insurance)
- [Newfront vs Pie Insurance](https://spot.insure/compare/newfront-vs-pie-insurance)
- [ERGO NEXT Insurance vs Pie Insurance](https://spot.insure/compare/next-insurance-vs-pie-insurance)
- [Pie Insurance vs Relm Insurance](https://spot.insure/compare/pie-insurance-vs-relm)
- [Pie Insurance vs Resilience](https://spot.insure/compare/pie-insurance-vs-resilience)
- [Pie Insurance vs RiskCube](https://spot.insure/compare/pie-insurance-vs-riskcube)
- [Pie Insurance vs Risklytics Insurance](https://spot.insure/compare/pie-insurance-vs-risklytics)
- [Pie Insurance vs StartupInsurance.ai](https://spot.insure/compare/pie-insurance-vs-startupinsurance)
- [Pie Insurance vs TechInsurance](https://spot.insure/compare/pie-insurance-vs-techinsurance)
- [Pie Insurance vs The Hartford](https://spot.insure/compare/pie-insurance-vs-the-hartford)
- [Pie Insurance vs Travelers Insurance](https://spot.insure/compare/pie-insurance-vs-travelers)
- [Pie Insurance vs USI](https://spot.insure/compare/pie-insurance-vs-usi)
- [Pie Insurance vs Vouch](https://spot.insure/compare/pie-insurance-vs-vouch)
- [Pie Insurance vs WithCoverage](https://spot.insure/compare/pie-insurance-vs-withcoverage)

## Sources

### [Gallagher Official Website](https://www.ajg.com/)

1. [Woodruff Sawyer Is Now Gallagher](https://www.ajg.com/merger-partners/woodruff-sawyer-is-now-gallagher/). Gallagher; Opening; Executive and Financial Risk consulting; Continued access to client portals; contact form. Accessed 2026-09-16.
2. [Technology Insurance](https://www.ajg.com/industries/technology-insurance/). Gallagher; Introduction; Solutions and coverages for the technology industry; Data-driven insights; global network. Accessed 2026-09-16.
3. [Executive and Financial Risk Insurance](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/). Gallagher; Three key services; D&O; IPO and direct listings; EPL; fiduciary; crime and fidelity; kidnap; M&A. Accessed 2026-09-16.
4. [Compensation Disclosure](https://www.ajg.com/about-us/disclosures/). Gallagher; Commissions and Fees; Contingent Commissions; Supplemental Commissions; Other Carrier Services. Accessed 2026-09-16.
5. [Legal Information](https://www.gallaghersmallbusiness.com/legal-information/). Gallagher Small Business; Producer identification immediately above Quick Links. Accessed 2026-09-16.
6. [The Right Insurance for Your Small Business](https://www.gallaghersmallbusiness.com/insurance-products/). Gallagher Small Business; Choose Your Coverage; carrier network. Accessed 2026-09-16.
7. [Insurance for Technology & IT Businesses](https://www.gallaghersmallbusiness.com/technology-services/). Gallagher Small Business; Protection for IT Professionals; coverage menu; Connect With An Advisor. Accessed 2026-09-16.
8. [Connect With an Advisor](https://www.gallaghersmallbusiness.com/connect-with-us/). Gallagher Small Business; Form fields from company name through annual revenue; acknowledgment. Accessed 2026-09-16.
9. [Contact Us](https://www.gallaghersmallbusiness.com/contact-us/). Gallagher Small Business; Get a Quote; Speak With An Advisor; Schedule Time with Us. Accessed 2026-09-16.
10. [Casualty Insurance](https://www.ajg.com/insurance/casualty-insurance/). Gallagher; Holistic approach; Robust casualty risk analysis. Accessed 2026-09-16.
11. [Property Insurance](https://www.ajg.com/insurance/property-insurance/). Gallagher; Our services include; global reach; Appraisal services. Accessed 2026-09-16.
12. [Product Recall Insurance](https://www.ajg.com/insurance/product-recall-insurance/). Gallagher; Product Recall team description before Product recall insurance coverage. Accessed 2026-09-16.
13. [AI Insurance Solutions](https://www.ajg.com/insurance/ai-insurance-solutions/). Gallagher; AI designed to protect trust in a changing risk landscape. Accessed 2026-09-16.

### [Pie Insurance Official Website](https://www.pieinsurance.com/)

14. [Pie Insurance](https://www.pieinsurance.com/). Pie Insurance; Homepage: small-business audience; direct workers’ compensation quote; online account; footer entity, insurer and availability qualifications. Accessed 2026-09-15.
15. [About Pie Insurance](https://www.pieinsurance.com/about). Pie Insurance; About Pie; direct and agency distribution; footer legal disclosure. Accessed 2026-09-15.
16. [Workers’ Comp Insurance For Small Businesses](https://www.pieinsurance.com/workers-comp). Pie Insurance; Quote inputs; coverage description; company-reported quote-time and savings qualifications; AM Best link. Accessed 2026-09-15.
17. [Terms Of Use](https://www.pieinsurance.com/legal/terms-of-use). Pie Insurance; Updated 26 April 2022; Ownership and Agreement to Terms; geographic and product eligibility; policy controls coverage. Accessed 2026-09-15.
18. [Legal](https://www.pieinsurance.com/legal). Pie Insurance; State Licenses; footer disclosure naming producer and workers’ compensation versus third-party underwriting roles. Accessed 2026-09-15.
19. [Pie Insurance — Quote](https://quote.pieinsurance.com/). Pie Insurance; Live unauthenticated first step: Business ZIP Code; inspected without entering data or advancing. Accessed 2026-09-15.
20. [Business Owner’s Policy](https://www.pieinsurance.com/small-business-insurance/business-owners-policy). Pie Insurance; BOP definition; typical components; invitation to start a BOP quote; footer third-party insurer qualification. Accessed 2026-09-15.
21. [Cyber Insurance For Small Businesses](https://www.pieinsurance.com/small-business-insurance/cyber-insurance). Pie Insurance; First- and third-party descriptions; carrier-partner quote invitation; policy-variation qualification. Accessed 2026-09-15.
22. [Errors And Omissions Insurance](https://www.pieinsurance.com/errors-and-omissions-insurance). Pie Insurance; E&O and professional-liability equivalence; typical claims; carrier-partner placement statement; footer third-party insurer qualification. Accessed 2026-09-15.
23. [General Liability Insurance](https://www.pieinsurance.com/small-business-insurance/general-liability). Pie Insurance; Typical covered categories; carrier-partner quote invitation; footer third-party insurer qualification. Accessed 2026-09-15.
24. [Workers’ Comp Coverage By State](https://www.pieinsurance.com/agency/states-we-serve). Pie Insurance; Headline says 40 states and the District of Columbia; rendered state selector listed 39 state names and omitted New York and D.C.. Accessed 2026-09-15.
25. [Agency Document Library](https://www.pieinsurance.com/agency/document-library). Pie Insurance; Workers’ Comp State Documents: 40 named states plus Washington, D.C.. Accessed 2026-09-15.
26. [Pie Insurance Reports Strong 2025](https://www.pieinsurance.com/resource-center/press/2025-year-in-review). Pie Insurance; 13 January 2026 release; Key 2025 Milestones says 39 states plus Washington, D.C.; company and distribution description. Accessed 2026-09-15.
27. [Commercial Auto Claim FAQs](https://www.pieinsurance.com/claims/comm-auto-faq). Pie Insurance; Does Pie offer commercial auto insurance?; submission cutoff 1 December 2025; no new or renewal policies on or after 1 January 2026; legacy claim guidance. Accessed 2026-09-15.
28. [Online Account Tutorial](https://www.pieinsurance.com/resource-center/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.
29. [Workers’ Comp FAQs](https://www.pieinsurance.com/workers-comp/resources/frequently-asked-questions). Pie Insurance; Certificates; waiver request timing and state-dependent charge; billing and payments; renewal timing; annual audit; claims. Accessed 2026-09-15.
30. [Payment Options](https://www.pieinsurance.com/payment-options). Pie Insurance; Annual, semi-annual, quarterly, monthly and pay-as-you-go schedules; payment methods; 3% card fee and state exceptions. Accessed 2026-09-15.
31. [Pay-As-You-Go With Pie Insurance](https://www.pieinsurance.com/pay-as-you-go). Pie Insurance; No initial deposit; actual-payroll monthly premium; automatic deductions; payroll-provider coordination. Accessed 2026-09-15.
32. [Your Workers’ Comp Premium Audit](https://www.pieinsurance.com/workers-comp/premium-audit). Pie Insurance; Required annual audit; estimated versus actual payroll; audit partner; requested payroll, employee, cash-expense and subcontractor certificate records. Accessed 2026-09-15.
33. [File Your Claim Within 24 Hours](https://www.pieinsurance.com/claims). Pie Insurance; Workers’ compensation reporting by online form, 24/7 phone or email; information requested; post-report coverage determination. Accessed 2026-09-15.
34. [Partner FAQ](https://www.pieinsurance.com/agency/faq). Pie Insurance; Workers’ compensation claim handling in 34 states; CorVel handling in Alaska, Mississippi, Nevada, New Mexico and Oregon; producer commissions on earned premium. Accessed 2026-09-15.
35. [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: A- (Excellent), Stable, affirmed 24 April 2026; page 14: rating unit, group insurer acquisitions, 100% workers’ compensation writing through PCIC and TPIC from 1 January 2024, 40 states and D.C.. Accessed 2026-09-15.
36. [The Pie Insurance Company — Company Details](https://insurance.mo.gov/find-insurance-company/company-details?id=104347111). Missouri Department of Commerce and Insurance; Company name; active license status; NAIC 21857; property-and-casualty authority; 2025 workers’ compensation market data. Accessed 2026-09-15.
37. [Pie Casualty Insurance Company — Entity Details](https://insurance.illinois.gov/applications/RegEntPortal/ViewEntityDetails.aspx?en=982281&s=Active&t=INS). Illinois Department of Insurance; Legal name; P&C Domestic Stock; active status; NAIC 10997; Pie Group Holdings, Inc. parent. Accessed 2026-09-15.
38. [Administrative Actions — January 2024](https://oci.wi.gov/Pages/PressReleases/AdminActions202401.aspx). Wisconsin Office of the Commissioner of Insurance; Allegations and Actions Against Companies: Pie Insurance Services, Inc. agreed to add a disclaimer to its “save up to 30%” advertising claim after misleading-advertising allegations. Accessed 2026-09-15.

Updated 2026-09-16. Last verified 2026-09-16. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

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