---
title: "HUB International vs Pie Insurance: Workers’ Compensation Insurance"
description: "Pie underwrites workers' compensation through its own carrier group, rated A- (Excellent) by AM Best. HUB brokers the coverage instead and does not name an issuing insurer on its page."
canonical: "https://spot.insure/compare/hub-international-vs-pie-insurance/workers-compensation"
page-type: "line-comparison"
updated-at: "2026-09-23"
comparison-pair: "hub-international-vs-pie-insurance"
provider-a: "hub-international"
provider-b: "pie-insurance"
coverage-line: "workers-compensation"
---

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[Human-readable page](https://spot.insure/compare/hub-international-vs-pie-insurance/workers-compensation)

## Agent Guide

**What this page is:** Focused comparison of HUB International 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 HUB International 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:**
- HUB International vs Pie Insurance for Workers’ Compensation Insurance: how do they differ?
- Which is better for Workers’ Compensation Insurance, HUB International or Pie Insurance?
- What does HUB International or Pie Insurance publish about Workers’ Compensation Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Workers’ Compensation Insurance. Providers: HUB International 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 2026-09-23.

**Related pages:**
- [HUB International vs Pie Insurance](https://spot.insure/compare/hub-international-vs-pie-insurance) — all coverage lines for this pair
- [Workers’ Compensation Insurance guide](https://spot.insure/coverage/workers-compensation) — how this coverage works
- [HUB International profile](https://spot.insure/insurance-providers/hub-international) — provider profile
- [Pie Insurance profile](https://spot.insure/insurance-providers/pie-insurance) — provider profile

# HUB International vs Pie Insurance: How Do They Compare for Workers’ Compensation Insurance?

Pie Insurance underwrites it through its own carrier group and offers an online quote from payroll and class-code details; HUB International brokers workers' comp and lists the exclusions that can apply.

Pie underwrites the policy itself through an AM Best-rated carrier group; HUB brokers coverage without naming an insurer.

## HUB International vs Pie Insurance Workers’ Compensation Insurance Summary

Pie underwrites workers' compensation through its own carrier group, rated A- (Excellent) by AM Best. HUB brokers the coverage instead and does not name an issuing insurer on its page. [3](https://ratings.ambest.com/DisclosurePDF.aspx?AMBNum=12272&PCA=0 "AM Best Rating Disclosure Report — Pie Casualty Insurance Company") [1](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers")

## What Are the Key Differences Between HUB International and Pie Insurance Workers’ Compensation Insurance?

### Who Carries the Risk

HUB brokers workers' compensation and helps clients navigate state regulations and coverage options rather than underwriting the coverage itself; its page does not name an insurer. [1](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers") Pie takes the opposite role for this line, underwriting the policy through its own carrier group.

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. [3](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..)

### What the Application Process Looks Like

HUB's page centers on advisory work: it describes helping distinguish employees from contractors as part of the brokerage relationship, without a published online quote flow. [1](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers") Pie instead advertises a roughly three-minute online quote using payroll and class-code inputs, plus a post-term premium audit comparing estimated to actual payroll. [2](https://www.pieinsurance.com/workers-comp "Workers' Comp Insurance for Small Businesses")

## What Should You Confirm in HUB International and Pie Insurance Workers’ Compensation Insurance Quotes?

- Ask HUB which insurer or state fund it would place your policy with, since its page does not disclose one. [1](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers")
- Confirm Pie's current AM Best rating and effective date directly, since ratings can change after the reviewed report. [3](https://ratings.ambest.com/DisclosurePDF.aspx?AMBNum=12272&PCA=0 "AM Best Rating Disclosure Report — Pie Casualty Insurance Company")
- Compare the class codes and payroll figures each quote is based on; Pie's tool assigns codes automatically, while HUB's process is not detailed on its page. [2](https://www.pieinsurance.com/workers-comp "Workers' Comp Insurance for Small Businesses") [1](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers")
- Ask about the post-term premium audit Pie describes and whether HUB's placement includes a similar true-up. [2](https://www.pieinsurance.com/workers-comp "Workers' Comp Insurance for Small Businesses")

## HUB International vs Pie Insurance Workers’ Compensation Compared

| Criteria | HUB International Workers' Compensation Insurance Brokerage | Pie Workers' Comp Insurance |
| --- | --- | --- |
| Who It’s For | HUB says workers' compensation insurance is required of all businesses in 49 states and the District of Columbia, noting Texas does not mandate coverage. [1](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers") (Evidence: Company-reported; scope: Product-page state-requirement statement as read 2026-09-23; specific state rules and exceptions were not independently verified here..) | Pie says workers' compensation is legally required in nearly all states for businesses with few exceptions, and markets its program to small businesses. [2](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..) |
| Coverage Features | HUB says workers' compensation covers medical bills, disability payments, rehabilitation and recovery costs, partial missed wages, and funeral or survivor benefits for injuries and illnesses sustained in the course of employment, plus an employer's legal defense fees and settlements for related workplace-injury lawsuits. [1](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers") (Evidence: Company-reported; scope: Product-page coverage description; the issued policy and state law control an actual claim..)<br><br>HUB lists exclusions that can apply to workers' compensation claims, including injuries that originated outside the workplace, were self-inflicted, resulted from a fight the employee started, relate to a felony, were claimed after termination or layoff, or occurred while the employee was under the influence of drugs or alcohol. [1](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers") (Evidence: Company-reported; scope: Product-page exclusions list; actual claim outcomes depend on the specific policy and 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. [2](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 | HUB brokers workers' compensation insurance and helps clients navigate state regulations and coverage options rather than underwriting the coverage itself. [1](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers") (Evidence: Company-reported; scope: Workers' compensation product page as read 2026-09-23; the page does not name an issuing 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. [2](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..) |
| Risk Services | HUB describes helping clients address worker misclassification liability and distinguishing employees from contractors as part of its workers' compensation brokerage, alongside broader risk-reduction guidance. [1](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers") (Evidence: Company-reported; scope: Product-page misclassification-liability section; a company-reported advisory service..) | 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. [2](https://www.pieinsurance.com/workers-comp "Workers' Comp Insurance for Small Businesses") (Evidence: Company-reported; scope: Workers' Comp product page FAQ as read on 2026-09-23..) |

## About HUB International and Pie Insurance and Workers’ Compensation

- [HUB International company profile](https://spot.insure/insurance-providers/hub-international) · [HUB International customer reviews](https://spot.insure/insurance-providers/hub-international/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 HUB International vs Pie Insurance

- [HUB International vs Pie Insurance](https://spot.insure/compare/hub-international-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.
- [HUB International Workers’ Compensation Insurance](https://spot.insure/insurance-providers/hub-international/workers-compensation)
- [Pie Insurance Workers’ Compensation Insurance](https://spot.insure/insurance-providers/pie-insurance/workers-compensation)

## Sources for HUB International vs Pie Insurance

### Sources About HUB International

1. [Workers' Compensation Insurance Brokers](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/). HUB International; What is workers' compensation insurance?; Is Workers' Comp Required?; What's Covered; Misclassification Liability section; coverage exclusions list; state-requirement statement. Accessed 2026-09-23.

### Sources About Pie Insurance

2. [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.
3. [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 2026-09-23. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [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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