Heffernan Insurance Brokers vs Pie Insurance Workers’ Compensation Insurance

Heffernan lists workers' compensation among the basic coverages it places for business clients, and runs a separate claims-consulting division that works alongside the issuing carrier rather than underwriting the policy itself. ^3,6Company-reported. Business Insurance Brokerage and Claims Advocacy pages as read on 2026-09-23.

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.

The reviewed pages do not name a specific insurer for Heffernan-placed workers' compensation policies; the healthcare and transportation practice pages instead describe relationships with 'the nation's top' or 'top transportation' carriers generically. ^3,5Not publicly disclosed. Business Insurance Brokerage, Small Business, and Home Care pages as read 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.

Heffernan places workers' compensation for businesses of all sizes across its small-business, healthcare, home care, and transportation practices, among others. ^4,5Company-reported. Small Business Insurance and Home Care Business Insurance pages as read on 2026-09-23; not an exhaustive eligibility schedule.

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.

Heffernan describes workers' compensation as covering injuries to employees while on the job, and says the cost has the greatest financial impact on a home care agency's expenses among the coverages in that package. ^4,5Company-reported. Small Business Insurance and Home Care Business Insurance pages as read on 2026-09-23; the reviewed pages do not describe statutory limits or state-specific benefit schedules.

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.

The reviewed pages do not publish premium ranges or experience-modification benchmarks for workers' compensation. ^3,4Not publicly disclosed. Business Insurance Brokerage, Small Business, and Home Care pages as read on 2026-09-23.

Not described in the reviewed sources.

Heffernan's Claims Advocacy division offers workers'-compensation-specific services including a customized claims strategy, direct carrier liaison, experience-mod analysis to identify cost-reduction opportunities, and 24/7 telephonic or onsite medical triage with telemedicine options. ^6,5Company-reported. Claims Advocacy page as read on 2026-09-23; separately, home care insurance specialists are described as advising on workers'-comp coverage and premium for that program.

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.

Not described in the reviewed sources.

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.

Heffernan says its claims consulting division has more than 25 years of experience, has managed over $1 billion in claims, and reduces claim processing time by up to 75% through its proactive and telephonic-triage approach; these are company-reported performance figures, not independently verified. ⁶Company-reported. Claims Advocacy page as read on 2026-09-23; figures are Heffernan's own marketing statistics, described here as company-reported rather than adopted as verified performance.

Not described in the reviewed sources.