--- title: "Hiscox vs Pie Insurance: Workers’ Compensation Insurance" description: "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." canonical: "https://spot.insure/compare/hiscox-vs-pie-insurance/workers-compensation" page-type: "line-comparison" updated-at: "2026-09-25" comparison-pair: "hiscox-vs-pie-insurance" provider-a: "hiscox" provider-b: "pie-insurance" coverage-line: "workers-compensation" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, check_driving_insurance for source-backed rideshare and delivery requirements by state or province, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/hiscox-vs-pie-insurance/workers-compensation) ## Agent Guide **What this page is:** Focused comparison of Hiscox and Pie Insurance for Workers’ Compensation Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources. **Use this page when:** Cite or fetch this for Workers’ Compensation Insurance questions about Hiscox versus Pie Insurance. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide. **Questions this page answers:** - Hiscox vs Pie Insurance for Workers’ Compensation Insurance: how do they differ? - Which is better for Workers’ Compensation Insurance, Hiscox or Pie Insurance? - What does Hiscox or Pie Insurance publish about Workers’ Compensation Insurance (limits, eligibility, claims, add-ons)? **Key facts:** - Line: Workers’ Compensation Insurance. Providers: Hiscox and Pie Insurance. - Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one. **Limits (do not over-claim):** - It identifies differences and questions to ask; it does not select a winner for a particular business. - Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here. **Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-25. **Related pages:** - [Hiscox vs Pie Insurance](https://spot.insure/compare/hiscox-vs-pie-insurance) — all coverage lines for this pair - [Workers’ Compensation Insurance guide](https://spot.insure/coverage/workers-compensation) — how this coverage works - [Hiscox profile](https://spot.insure/insurance-providers/hiscox) — provider profile - [Pie Insurance profile](https://spot.insure/insurance-providers/pie-insurance) — provider profile # 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 offers workers' comp through its own carrier group; Hiscox requires its general-liability policy and routes the coverage through Hartford. ## Hiscox vs Pie Insurance Workers’ Compensation Insurance Summary 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](https://ratings.ambest.com/DisclosurePDF.aspx?AMBNum=12272&PCA=0 "AM Best Rating Disclosure Report — Pie Casualty Insurance Company") [1](https://www.hiscox.com/small-business-insurance/workers-compensation-insurance "Workers Compensation Insurance for Small Businesses") ## 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](https://www.pieinsurance.com/workers-comp "Workers' Comp Insurance for Small Businesses") [1](https://www.hiscox.com/small-business-insurance/workers-compensation-insurance "Workers Compensation Insurance for Small Businesses") ### 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](https://www.pieinsurance.com/workers-comp "Workers' Comp Insurance for Small Businesses") [1](https://www.hiscox.com/small-business-insurance/workers-compensation-insurance "Workers Compensation Insurance for Small Businesses") ## 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](https://www.hiscox.com/small-business-insurance/workers-compensation-insurance "Workers Compensation Insurance for Small Businesses") - Ask Pie how its payroll audit could change final premium. [3](https://www.pieinsurance.com/workers-comp "Workers' Comp Insurance for Small Businesses") - Get the state-specific benefit schedule and employer-liability limits from both. [1](https://www.hiscox.com/small-business-insurance/workers-compensation-insurance "Workers Compensation Insurance for Small Businesses") [3](https://www.pieinsurance.com/workers-comp "Workers' Comp Insurance for Small Businesses") ## Hiscox vs Pie Insurance Workers’ Compensation Insurance Compared | 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. [1](https://www.hiscox.com/small-business-insurance/workers-compensation-insurance "Workers Compensation Insurance for Small Businesses") (Evidence: Company-reported; scope: 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. [3](https://www.pieinsurance.com/workers-comp "Workers' Comp Insurance for Small Businesses") (Evidence: Company-reported; scope: 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](https://www.hiscox.com/small-business-insurance "Hiscox Small Business Insurance") [1](https://www.hiscox.com/small-business-insurance/workers-compensation-insurance "Workers Compensation Insurance for Small Businesses") (Evidence: Company-reported; scope: 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. [3](https://www.pieinsurance.com/workers-comp "Workers' Comp Insurance for Small Businesses") (Evidence: Company-reported; scope: 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. [1](https://www.hiscox.com/small-business-insurance/workers-compensation-insurance "Workers Compensation Insurance for Small Businesses") (Evidence: Company-reported; scope: 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. [3](https://www.pieinsurance.com/workers-comp "Workers' Comp Insurance for Small Businesses") (Evidence: Company-reported; scope: 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. [1](https://www.hiscox.com/small-business-insurance/workers-compensation-insurance "Workers Compensation Insurance for Small Businesses") (Evidence: Company-reported; scope: 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. [3](https://www.pieinsurance.com/workers-comp "Workers' Comp Insurance for Small Businesses") (Evidence: Company-reported; scope: 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. [1](https://www.hiscox.com/small-business-insurance/workers-compensation-insurance "Workers Compensation Insurance for Small Businesses") (Evidence: Company-reported; scope: 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. [4](https://ratings.ambest.com/DisclosurePDF.aspx?AMBNum=12272&PCA=0 "AM Best Rating Disclosure Report — Pie Casualty Insurance Company") (Evidence: Verified; scope: 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..) | ## About Hiscox and Pie Insurance and Workers’ Compensation Insurance - [Hiscox company profile](https://spot.insure/insurance-providers/hiscox) · [Hiscox customer reviews](https://spot.insure/insurance-providers/hiscox/reviews) - [Pie Insurance company profile](https://spot.insure/insurance-providers/pie-insurance) · [Pie Insurance customer reviews](https://spot.insure/insurance-providers/pie-insurance/reviews) - [What Is Workers’ Compensation Insurance?](https://spot.insure/coverage/workers-compensation) ## Related Pages for Hiscox vs Pie Insurance Workers’ Compensation - [Hiscox vs Pie Insurance](https://spot.insure/compare/hiscox-vs-pie-insurance): all coverage lines, business roles, service and claims. - [What Is Workers’ Compensation Insurance?](https://spot.insure/coverage/workers-compensation): Workers’ compensation can pay medical care, rehabilitation and lost wages after an employee’s work-related injury or illness; state rules determine who must be covered. - [Hiscox Workers’ Compensation Insurance](https://spot.insure/insurance-providers/hiscox/workers-compensation) - [Pie Insurance Workers’ Compensation Insurance](https://spot.insure/insurance-providers/pie-insurance/workers-compensation) ## Sources for Hiscox vs Pie Insurance Workers’ Compensation Insurance ### Sources About Hiscox 1. [Workers Compensation Insurance for Small Businesses](https://www.hiscox.com/small-business-insurance/workers-compensation-insurance). Hiscox; Partnership with The Hartford; general liability required to purchase workers comp; not available for all classes; footer that coverage is made available through Hiscox Inc. d/b/a Hiscox Insurance Agency in CA and underwritten by Hartford Fire Insurance, One Hartford Plaza, Hartford, CT 06155. Accessed 2026-09-16. 2. [Hiscox Small Business Insurance](https://www.hiscox.com/small-business-insurance). Hiscox; Product selector including workers compensation; partnership language for workers' compensation. Accessed 2026-09-16. ### Sources About Pie Insurance 3. [Workers' Comp Insurance for Small Businesses](https://www.pieinsurance.com/workers-comp). 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. 4. [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: 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. Updated 2026-09-25. 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