Hiscox vs Pie Insurance: How Do They Compare for Workers’ Compensation Insurance?

Hiscox gives access to a Hartford workers' comp policy with a required Hiscox general liability policy; Pie Insurance underwrites it itself and quotes online from payroll and class codes.

Pie fits small employers wanting a roughly three-minute online quote from its own carrier group; Hiscox fits eligible buyers already purchasing Hiscox general liability who accept Hartford as the workers' comp insurer. ^4,¹

What Are the Key Differences Between Hiscox and Pie Insurance Workers’ Compensation Insurance?

Standalone Access Versus a General-Liability Prerequisite

Pie offers workers' comp through its own carrier group and says an online quote takes roughly three minutes. Hiscox provides access to Hartford-issued workers' comp only when the buyer already holds or concurrently buys Hiscox general liability, and some classes do not qualify. Choose Pie for standalone online quoting; choose Hiscox only if the general-liability condition fits your account. ³ ¹

Benefits and Payroll Information

Pie describes medical, disability and death benefits, asks for payroll and class codes, and performs a post-term payroll audit. Hiscox describes statutory Hartford coverage but publishes no Hiscox-specific enhancement or quote timeline on the reviewed page. ³ ¹

What Should You Confirm in Hiscox and Pie Insurance Workers’ Compensation Insurance Quotes?

Ask Hiscox whether your class qualifies and confirm the required general-liability policy's total cost. ¹
Ask Pie how its payroll audit could change final premium. ³
Get the state-specific benefit schedule and employer-liability limits from both. ¹ ³

Hiscox vs Pie Insurance Workers’ Compensation Insurance Compared

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

Criteria	Hiscox Workers Compensation Insurance	Pie Workers' Comp Insurance
Who It’s For	Hiscox says workers' compensation access requires the buyer to already hold, or concurrently purchase, a Hiscox general-liability policy, and that the product is not available for all classes of business. ¹Company-reported. Company-stated prerequisite and class limitation; specific excluded classes are not listed on the page.	Pie says workers' compensation is legally required in nearly all states for businesses with few exceptions, and markets its program to small businesses. ³Company-reported. Workers' Comp product page as read on 2026-09-23.
How to Apply	Hiscox lists workers' compensation among the products selectable from its small-business quote flow, routing eligible buyers who also carry (or are buying) general liability toward the Hartford-underwritten product. ^2,¹Company-reported. Company-described product-selector listing; eligibility and binding conditions require confirmation on the actual application.	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. ³Company-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	The workers'-compensation page describes the product in general terms as statutory workers' compensation coverage through the Hartford partnership; it does not add Hiscox-specific coverage enhancements beyond what a standard Hartford workers'-compensation policy would include. ¹Company-reported. Company-stated partnership product; specific policy wording and state benefit levels are set by Hartford's issued policy and applicable state law.	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. ³Company-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	For workers' compensation, Hiscox Inc. acts as an access point to a partner insurer rather than underwriting the coverage itself, and requires the buyer to also hold a Hiscox general-liability policy before it will provide access to workers' compensation. ¹Company-reported. Company-stated partnership structure; this differs from Hiscox's own-catalogue general liability, professional liability, cyber and BOP products, which are underwritten by its own affiliated insurer.	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. ³Company-reported. Workers' Comp product page as read on 2026-09-23; restates the provider record's verified insurer-route fact.
Issuing Insurer	Hiscox's workers'-compensation page footer names Hartford Fire Insurance Company, at One Hartford Plaza, Hartford, CT, as the underwriter, with coverage made available through Hiscox Inc. doing business as Hiscox Insurance Agency in California. ¹Company-reported. Company-published footer disclosure; this is a different insurer from the Hiscox Insurance Company Inc. entity that underwrites Hiscox's own-catalogue products.	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. ⁴Verified. 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.