HUB International vs Pie Insurance: How Do They Compare for Business Insurance?

HUB helps businesses arrange insurance through brokers and agents; reviewed product pages describe brokerage, not HUB as the insurer. Its subsidiaries hold licenses in various US states and Canadian provinces. ^4,5,9Company-reportedBrand and parent identity as of 16 September 2026. Does not identify which subsidiary would appear on a California producer license or policy declarations.

Small businesses may reach HUB through its digital Insureon route, acquired in 2022; Insureon and TechInsurance are associated with Specialty Program Group, so the retail account path may differ from HUB’s offices. ^{4,34,35,36,37}Company-reportedCorporate-affiliation statements. Does not establish that every HUB office places business through Insureon, or that TechInsurance is a distinct California producer.

Small businesses can buy Pie’s workers’ compensation directly or through agents; affiliated insurers underwrite workers’ comp, while outside insurers provide some other Pie products. ^{40,43,41,45,46,47,48}Company-reportedCurrent public Pie brand and US small-business insurance services; this describes group roles, not a promise that every product is available to every applicant.

If parent-company ownership matters, Pie Group Holdings, Inc. owns the website and is regulator-listed parent of Pie Casualty; AM Best identifies the insurer group as Pie Insurance Group. ^42,62,60VerifiedWebsite ownership and the parent shown for Pie Casualty Insurance Company; no claim about voting control or every intermediate subsidiary.

Pie Insurance Services, Inc. is the producer that sells and administers policies; verify its current license in your state because Pie’s own license page is not regulator confirmation. ^43,63Company-reportedProducer identity and Pie-published US license list; Wisconsin’s regulator separately identifies this entity in a 2024 administrative action.

Businesses can ask HUB about liability, property, workers’ comp, auto, cyber, D&O, professional liability, crime, fiduciary, bonds, malpractice, marine, equipment and transaction coverage, plus employee benefits; marketing pages do not establish exact forms or eligibility. ^{9,11,19,17,18,20,13,12,14,15,21,22,23,24,25,28,29,26,27,30,16}Company-reportedOfficial product and casualty pages accessed 16 September 2026. Catalogue entries are brokerage offerings, not proof that a California startup can obtain each line on stated terms.

Technology companies can build programs around Tech E&O, cyber, D&O, workers’ comp, cargo, property, benefits and other listed risks; confirm which are relevant and available for your operations. ¹⁰Company-reportedTechnology industry page inventory. Patent package is a HUB grouping label, not a finding that intellectual-property insurance is separately underwritten. Builders risk is listed there as a technology offering.

Pie currently markets workers’ comp, BOP, cyber, general liability and professional liability/E&O; product pages describe typical coverage, while the policy and endorsements determine your actual protection. ^{41,45,46,48,47,42}Company-reportedPublic US Pie pages with an explicit quote or contact invitation; educational-only topics and components of a BOP were not counted as standalone offerings.

If you need new or renewed commercial auto, look elsewhere: Pie stopped accepting new submissions December 1, 2025 and says it will issue no new or renewal policies after January 1, 2026; existing terms remain in force through expiry. ^52,58Company-reportedPie’s former commercial-auto offering and legacy policies; commercial auto is intentionally excluded from the current coverage catalogue.

Use your policy and endorsements to decide what is covered; Pie says website descriptions do not change policy terms and eligibility varies by applicant and location. ⁴²Company-reportedWebsite descriptions and US products generally; the buyer’s issued policy and endorsements control.

Small accounts meeting HUB’s size guidelines can start an online Insureon quote; other buyers contact a HUB broker or local office. The reviewed site does not offer a public self-serve bind route for mid-market programs. ^{8,11,12,13,10,6}Company-reportedPublic website paths as of 16 September 2026. No application was submitted. Insureon’s own site is a separate digital agency flow.

Small businesses can start a workers’ compensation quote online or through an insurance agent; agencies use a separate partner portal. ^40,39,41Company-reportedWorkers’ compensation access for small businesses and agencies; other product pages direct buyers to quote or contact flows but do not describe the same process.

Have your ZIP, payroll and class-code details ready for a Pie workers’ compensation quote; its online intake begins with ZIP code. ^44,41Company-reportedUnauthenticated first step and Pie’s description of workers’ compensation quote inputs; no data was entered and the flow was not advanced.

Pie advertises a workers’ compensation quote in about three minutes, but this company estimate does not predict underwriting or binding time. ^41,39Company-reportedWorkers’ compensation quote marketing; no timed independent quote test was performed.

Ask for compensation on your proposal: HUB says it receives insurer commissions, contingent and supplemental payments and sometimes client fees, may use affiliated wholesalers, and may earn administration or data fees; it publishes no standard rates. ⁷Company-reportedFirmwide compensation disclosure. Amounts for a given account are not disclosed on the public page.

Workers’ comp buyers can choose annual, semiannual, quarterly, monthly or pay-as-you-go plans; pay-as-you-go follows reported payroll without a deposit, while monthly plans require 16.6% upfront and ten payments. ^55,56Company-reportedPie’s current workers’ compensation payment pages; actual availability and policy-specific charges need confirmation in the quote.

Include Pie’s 3% card fee in your quote comparison for eligible new single-state workers’ comp policies, except in Florida, Nebraska, Maryland and Rhode Island; the page does not specify multi-state or renewal fees. ⁵⁵Company-reportedCredit-card payments for new single-state workers’ compensation policies under the current payment-options page.

Ask the state-specific price before requesting a waiver of subrogation because Pie charges for each specific or blanket waiver but publishes no amount. ⁵⁴Not publicly disclosedWorkers’ compensation waiver requests through Pie’s published service process.

Ask your agent what commission applies because Pie says partner agents earn commissions on workers’ comp policies, but current pages publish no standard rate. ^59,43Not publicly disclosedAgency-distributed workers’ compensation and other third-party placements; expired promotional incentives were not treated as current standard compensation.

HUB says its claims team provides advocacy, dispute support and administration, with 225+ professionals and 24-hour reporting metrics; these are company-reported process claims, not a prediction of how your insurer will handle a loss. ³²Company-reportedHUB claims-management service page. HUB is not identified as the claims-paying insurer. No assessment of claims-handling quality is made here.

Report workplace injuries to Pie within 24 hours through its form, phone or email; Pie says a claims professional follows up and assesses coverage and benefits. ⁵⁸Company-reportedPublished first-report process for Pie-serviced workers’ compensation claims; state notice rules and the issuing carrier’s policy still apply.

Ask who handles your state’s workers’ comp claim: Pie says it manages claims in 34 states and CorVel in five, a split not reconciled with its separate 40-state-plus-DC availability. ^59,49,60Conflicting sourcesPublic allocation of workers’ compensation claim handling; the current handler for an individual policy should be taken from its state kit and claim instructions.