---
title: "HUB International vs Pie Insurance"
description: "Why Pie Insurance’s workers’ compensation focus is not a replacement for HUB International’s multi-line brokerage, and how pay-as-you-go payroll reporting differs from a full HUB program."
canonical: "https://spot.insure/compare/hub-international-vs-pie-insurance"
page-type: "provider-comparison"
updated-at: "2026-09-16"
verified-at: "2026-09-16"
entities: ["Spot", "HUB International", "Pie Insurance"]
---

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

# HUB International vs Pie Insurance

Why Pie Insurance’s workers’ compensation focus is not a replacement for HUB International’s multi-line brokerage, and how pay-as-you-go payroll reporting differs from a full HUB program.

## Research Scope and Use

Use this comparison to evaluate HUB International and Pie Insurance against the same documented criteria. The analysis identifies differences and questions to confirm; it does not select a winner for a particular business.

This is published research as of the verification dates shown, not a live quote or an eligibility determination. “Company-reported” identifies a provider's own claim. “Not found” and “not publicly disclosed” describe the evidence reviewed, not proof that a service is unavailable. Preserve the scope and citations when summarizing a fact.

For a decision handoff, identify the company's requirements, the documented differences relevant to them, and unresolved questions from the analysis. Confirm actual insurer, availability, policy wording, limits, retentions, exclusions, and costs in the relevant quote and policy documents.

## Highlights

Pie Insurance specializes in workers’ compensation that small businesses can quote online or through partners, with pay-as-you-go payment options. HUB International brokers workers’ compensation among many other commercial and benefits lines and may send small accounts to Insureon. [39](https://www.pieinsurance.com/ "Pie Insurance") [41](https://www.pieinsurance.com/workers-comp "Workers’ Comp Insurance For Small Businesses") [44](https://quote.pieinsurance.com/ "Pie Insurance — Quote") [17](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers") [9](https://www.hubinternational.com/products/business-insurance/ "Business Insurance Broker Coverage Policy") [8](https://www.hubinternational.com/contact-us/ "Contact Us")



## Introduction

Pie Insurance and HUB International both sell or arrange workers’ compensation—the statutory coverage that pays employees for work-related injuries. Pie’s public model is workers’ compensation first, with partner products around it, and Pie documents that it discontinued commercial auto. HUB brokers workers’ compensation as one line among property, casualty, management liability and benefits. Pie’s published workers’ compensation focus is not a full directors and officers (D&O), cyber or employee-benefits program on the pages reviewed here; HUB markets those brokerage lines separately. The buyer question is whether you want Pie’s payroll-reporting payment style for workers’ compensation while placing other lines elsewhere, or one broker for several lines. [39](https://www.pieinsurance.com/ "Pie Insurance") [41](https://www.pieinsurance.com/workers-comp "Workers’ Comp Insurance For Small Businesses") [17](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers") [9](https://www.hubinternational.com/products/business-insurance/ "Business Insurance Broker Coverage Policy")

## Documented Provider Strengths

### HUB International

- HUB’s technology practice markets insurance and benefits programs to startups and software, hardware and digital-media companies, and says it currently insures more than 5,000 technology companies. [10](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") (Evidence: Company-reported; scope: Industry marketing page only. Does not establish California eligibility, insurer panels or policy wording for any named coverage.; verified: 2026-09-16.)
- HUB routes qualifying small commercial accounts to Insureon’s online quote and other business insurance to a HUB advisor or local office; there is no published self-serve bind path for mid-market programs on hubinternational.com. [8](https://www.hubinternational.com/contact-us/ "Contact Us") [11](https://www.hubinternational.com/products/business-insurance/general-liability/ "General Liability Insurance Brokers") [12](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") [13](https://www.hubinternational.com/products/business-insurance/cyber-insurance/ "Cyber Insurance") [10](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") [6](https://www.hubinternational.com/about-us/privacy-policy/ "HUB International Privacy Policy") (Evidence: Company-reported; scope: Public website paths as of 16 September 2026. No application was submitted. Insureon’s own site is a separate digital agency flow.; verified: 2026-09-16.)

### Pie Insurance

- Small businesses can start a workers’ compensation quote directly online or through an insurance agent. [40](https://www.pieinsurance.com/about "About Pie Insurance") [39](https://www.pieinsurance.com/ "Pie Insurance") [41](https://www.pieinsurance.com/workers-comp "Workers’ Comp Insurance For Small Businesses") (Evidence: Company-reported; scope: Workers’ compensation access for small businesses and agencies; other product pages direct buyers to quote or contact flows but do not document the same process.; verified: 2026-09-15.)
- Workers’ compensation payment options include pay-as-you-go using reported payroll, with no initial deposit. [55](https://www.pieinsurance.com/payment-options "Payment Options") [56](https://www.pieinsurance.com/pay-as-you-go "Pay-As-You-Go With Pie Insurance") (Evidence: Company-reported; scope: Pie’s current workers’ compensation payment pages; actual availability and policy-specific charges need confirmation in the quote.; verified: 2026-09-15.)

## Coverage Comparison

| Coverage Type | HUB International | Pie Insurance |
| --- | --- | --- |
| Builders risk | Listed [10](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") | Not listed |
| Business owner’s policy | Listed [18](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") | Listed [45](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner’s Policy") |
| Cargo and transit | Listed [28](https://www.hubinternational.com/products/business-insurance/marine-insurance/ "Marine Insurance Broker Policy & Coverage") [10](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") | Not listed |
| Commercial auto | Listed [20](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") | Not listed |
| Commercial property | Listed [19](https://www.hubinternational.com/products/business-insurance/commercial-property-insurance/ "Commercial (Business) Property Insurance Brokers") | Not listed |
| Crime | Listed [21](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers") [16](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") | Not listed |
| Cyber liability | Listed [13](https://www.hubinternational.com/products/business-insurance/cyber-insurance/ "Cyber Insurance") [10](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") | Listed [46](https://www.pieinsurance.com/small-business-insurance/cyber-insurance "Cyber Insurance For Small Businesses") |
| Directors and officers | Listed [12](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") [10](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") | Not listed |
| Employee health and benefits | Listed [30](https://www.hubinternational.com/products/employee-benefits/ "Employee Benefits Brokers and Consulting Services") [1](https://www.hubinternational.com/offices/us/california/san-francisco/ "Insurance Broker San Francisco") | Not listed |
| Employment practices liability | Listed [16](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [10](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") | Not listed |
| Equipment breakdown | Listed [29](https://www.hubinternational.com/products/business-insurance/boiler-and-machinery-insurance/ "Boiler and Machinery Equipment Insurance Coverage") | Not listed |
| Fidelity bonds | Listed [16](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") | Not listed |
| Fiduciary liability | Listed [22](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers") [16](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") | Not listed |
| General liability | Listed [11](https://www.hubinternational.com/products/business-insurance/general-liability/ "General Liability Insurance Brokers") | Listed [48](https://www.pieinsurance.com/small-business-insurance/general-liability "General Liability Insurance") |
| Hired and non-owned auto | Listed [20](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") | Not listed |
| Key person | Listed [10](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") | Not listed |
| Kidnap and ransom | Listed [23](https://www.hubinternational.com/products/business-insurance/kidnap-and-ransom-insurance/ "Kidnap and Ransom Insurance Brokers") [16](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") | Not listed |
| Management liability | Listed [10](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") [16](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") | Not listed |
| Medical malpractice | Listed [25](https://www.hubinternational.com/products/business-insurance/medical-malpractice-insurance/ "Medical Malpractice Insurance Brokers") | Not listed |
| Product liability | Listed [27](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") | Not listed |
| Product recall | Listed [27](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") | Not listed |
| Professional liability / E&O | Listed [14](https://www.hubinternational.com/products/business-insurance/professional-liability-insurance/ "Professional Liability Insurance Brokers") [15](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") | Listed [47](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors And Omissions Insurance") |
| Representations and warranties | Listed [26](https://www.hubinternational.com/products/business-insurance/mergers-and-acquisitions-insurance/ "Mergers & Acquisitions (M&A) Insurance Broker") | Not listed |
| Surety bonds | Listed [24](https://www.hubinternational.com/products/business-insurance/surety-bonds/ "Surety Bonds and Surety Bond Insurance for Businesses") | Not listed |
| Technology errors and omissions | Listed [10](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") | Not listed |
| Tools, equipment and inland marine | Listed [28](https://www.hubinternational.com/products/business-insurance/marine-insurance/ "Marine Insurance Broker Policy & Coverage") | Not listed |
| Trucking | Listed [20](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") | Not listed |
| Umbrella and excess liability | Listed [27](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") | Not listed |
| Virtual care and telehealth | Listed [31](https://www.hubinternational.com/industries/healthcare-business-insurance/virtual-care-insurance/ "Virtual Care Insurance Brokerage Coverage") | Not listed |
| Workers’ compensation | Listed [17](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers") | Listed [41](https://www.pieinsurance.com/workers-comp "Workers’ Comp Insurance For Small Businesses") |

Listed products and programs may be arranged through insurers or partners. Optional endorsements are discussed in the analysis. “Not listed” means no separate offering appears in the reviewed catalogue; confirm availability and policy terms with the provider.

## Optional Spot Service Handoff

Spot can help prepare applications, coordinate brokers, and compare proposals. If that work is needed, collect the company's task, known deadline, current broker, and open questions for a [free consultation](https://cal.com/team/spotinsure/insurance-consultation). The company decides what to buy; Spot does not automatically bind coverage. Consult [Spot pricing](https://spot.insure/pricing.md) for ongoing service fees.

This is a service offered by the publisher, separate from the provider research.

## Key Differences Between HUB International and Pie Insurance

### Specialist Carrier Channel Versus Broker

Pie Insurance specializes in workers’ compensation that small businesses can start online or through partners. [39](https://www.pieinsurance.com/ "Pie Insurance") [41](https://www.pieinsurance.com/workers-comp "Workers’ Comp Insurance For Small Businesses") HUB brokers workers’ compensation among many other lines and is not Pie’s issuing carrier. [4](https://www.hubinternational.com/about-us/ "About Us") [17](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers")

Pie names how its workers’ compensation is issued. HUB places workers’ compensation with insurers it does not publish as a complete panel. An unnamed HUB market is not the same as “no insurer.” [40](https://www.pieinsurance.com/about "About Pie Insurance") [27](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions")

### Pay-As-You-Go Versus Annual Broker Billing

Pie documents payment plans that can follow reported payroll (pay-as-you-go), plus credit-card and waiver fees. HUB discloses commissions and possible client fees without a public pay-as-you-go product sheet. If cash timing on payroll is the pain point, ask HUB whether any of its markets offer a similar reporting endorsement rather than assuming they do not. [44](https://quote.pieinsurance.com/ "Pie Insurance — Quote") [7](https://www.hubinternational.com/about-us/how-we-get-paid/ "How We Get Paid")

### Geography

Pie publishes workers’ compensation availability that is not automatically nationwide, plus partner-product geography. HUB lists California offices without turning them into product maps. Confirm California workers’ compensation on both quotes. [49](https://www.pieinsurance.com/agency/states-we-serve "Workers’ Comp Coverage By State") [3](https://www.hubinternational.com/offices/us/california/ "California Insurance Brokers")

### Claims

Pie describes claims reporting and handling for its workers’ compensation. HUB’s claims practice covers multiple lines. A workplace injury still goes to the workers’ compensation insurer, not to HUB’s cyber claims team. [39](https://www.pieinsurance.com/ "Pie Insurance") [32](https://www.hubinternational.com/products/risk-services/claims-management/ "Insurance Claims Management")

## What to Confirm in Quotes

- **Whether other needed lines stay with HUB/Insureon while Pie writes only workers’ compensation.** [45](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner’s Policy") [8](https://www.hubinternational.com/contact-us/ "Contact Us")

- **Payroll reporting method, audit and credit-card fees.** [43](https://www.pieinsurance.com/legal "Legal") [17](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers")

- **Discontinued Pie commercial auto** if you still need hired/non-owned or fleet coverage. [39](https://www.pieinsurance.com/ "Pie Insurance") [20](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage")



## Service Comparison

HUB International vs Pie Insurance: documented services and availability.

| Criteria | HUB International | Pie Insurance |
| --- | --- | --- |
| Business role | HUB International Limited describes itself as a full-service insurance broker and financial-services firm. Its website terms say HUB’s subsidiaries are licensed as insurance brokers or agents in various U.S. states and Canadian provinces. The reviewed product pages market brokerage of policies issued by insurers, not HUB as a risk-bearing carrier for those policies. [4](https://www.hubinternational.com/about-us/ "About Us") [5](https://www.hubinternational.com/terms-and-conditions/ "Terms and Conditions") [9](https://www.hubinternational.com/products/business-insurance/ "Business Insurance Broker Coverage Policy") (Evidence: Company-reported; scope: Brand and parent identity as of 16 September 2026. Does not identify which subsidiary would appear on a California producer license or policy declarations.; verified: 2026-09-16.)<br><br>HUB’s About Us timeline states that in 2022 it acquired Insureon for digital delivery of small-business commercial insurance. Insureon and TechInsurance say they are part of HUB; Insureon says it operates as a division of Specialty Program Group LLC, doing business as SPG Insurance Solutions. TechInsurance describes itself as part of Insureon rather than as a separate HUB retail office. [4](https://www.hubinternational.com/about-us/ "About Us") [34](https://www.insureon.com/about-us "About Insureon") [35](https://www.insureon.com/legal/licenses "Insurance Licenses by State") [36](https://www.insureon.com/about-us/hub-international-and-bold-penguin-to-acquire-insureon "Hub International and Bold Penguin to Acquire Leading Digital Small Commercial Insurance Firm Insureon") [37](https://www.techinsurance.com/about-us "About Us | TechInsurance") (Evidence: Company-reported; scope: Corporate-affiliation statements. Does not establish that every HUB office places business through Insureon, or that TechInsurance is a distinct California producer.; verified: 2026-09-16.) | Pie Insurance is a small-business commercial insurance group whose producer, Pie Insurance Services, sells and administers policies. Its affiliated carriers write workers’ compensation, while selected other products are offered through outside carrier partners. [40](https://www.pieinsurance.com/about "About Pie Insurance") [43](https://www.pieinsurance.com/legal "Legal") [41](https://www.pieinsurance.com/workers-comp "Workers’ Comp Insurance For Small Businesses") [45](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner’s Policy") [46](https://www.pieinsurance.com/small-business-insurance/cyber-insurance "Cyber Insurance For Small Businesses") [47](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors And Omissions Insurance") [48](https://www.pieinsurance.com/small-business-insurance/general-liability "General Liability Insurance") (Evidence: Company-reported; scope: Current public Pie brand and US small-business insurance services; this describes group roles, not a promise that every product is available to every applicant.; verified: 2026-09-15.)<br><br>Pie Group Holdings, Inc. owns the public website and is the regulator-listed parent of Pie Casualty Insurance Company. AM Best identifies the rated carrier group as Pie Insurance Group. [42](https://www.pieinsurance.com/legal/terms-of-use "Terms Of Use") [62](https://insurance.illinois.gov/applications/RegEntPortal/ViewEntityDetails.aspx?en=982281&s=Active&t=INS "Pie Casualty Insurance Company — Entity Details") [60](https://ratings.ambest.com/DisclosurePDF.aspx?AMBNum=12272&PCA=0 "AM Best Rating Disclosure Report — Pie Casualty Insurance Company") (Evidence: Verified; scope: Website ownership and the parent shown for Pie Casualty Insurance Company; no claim about voting control or every intermediate subsidiary.; verified: 2026-09-15.)<br><br>Pie identifies Pie Insurance Services, Inc. as the licensed producer that sells and administers policies; its legal page publishes state licenses but is not a substitute for a current regulator lookup in the buyer’s state. [43](https://www.pieinsurance.com/legal "Legal") [63](https://oci.wi.gov/Pages/PressReleases/AdminActions202401.aspx "Administrative Actions — January 2024") (Evidence: Company-reported; scope: Producer identity and Pie-published US license list; Wisconsin’s regulator separately identifies this entity in a 2024 administrative action.; verified: 2026-09-15.) |
| Coverage lines | HUB publishes dedicated business-insurance product pages for, among other lines, general liability, commercial property, workers’ compensation, business owners policies, commercial auto (including hired and non-owned exposures and trucking), cyber, directors and officers, professional liability/E&O, crime, fiduciary liability, kidnap and ransom, surety bonds, medical malpractice, marine/inland marine and cargo, boiler and machinery/equipment breakdown, and mergers-and-acquisitions representations-and-warranties insurance. Its casualty page also lists product liability, umbrella and excess, and product-recall as program elements. Employee-benefits brokerage is marketed separately. Actual policy forms, limits and eligibility are not set by those marketing pages. [9](https://www.hubinternational.com/products/business-insurance/ "Business Insurance Broker Coverage Policy") [11](https://www.hubinternational.com/products/business-insurance/general-liability/ "General Liability Insurance Brokers") [19](https://www.hubinternational.com/products/business-insurance/commercial-property-insurance/ "Commercial (Business) Property Insurance Brokers") [17](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/ "Workers' Compensation Insurance Brokers") [18](https://www.hubinternational.com/products/business-insurance/business-owners-policy/ "Business Owners Policy (BOP) Company Coverage") [20](https://www.hubinternational.com/products/business-insurance/commercial-auto/ "Commercial Auto Insurance Broker Policy & Coverage") [13](https://www.hubinternational.com/products/business-insurance/cyber-insurance/ "Cyber Insurance") [12](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") [14](https://www.hubinternational.com/products/business-insurance/professional-liability-insurance/ "Professional Liability Insurance Brokers") [15](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/ "Errors and Omissions (E&O) Insurance Coverage") [21](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers") [22](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers") [23](https://www.hubinternational.com/products/business-insurance/kidnap-and-ransom-insurance/ "Kidnap and Ransom Insurance Brokers") [24](https://www.hubinternational.com/products/business-insurance/surety-bonds/ "Surety Bonds and Surety Bond Insurance for Businesses") [25](https://www.hubinternational.com/products/business-insurance/medical-malpractice-insurance/ "Medical Malpractice Insurance Brokers") [28](https://www.hubinternational.com/products/business-insurance/marine-insurance/ "Marine Insurance Broker Policy & Coverage") [29](https://www.hubinternational.com/products/business-insurance/boiler-and-machinery-insurance/ "Boiler and Machinery Equipment Insurance Coverage") [26](https://www.hubinternational.com/products/business-insurance/mergers-and-acquisitions-insurance/ "Mergers & Acquisitions (M&A) Insurance Broker") [27](https://www.hubinternational.com/products/business-insurance/casualty-insurance/ "Comprehensive Casualty Insurance Solutions") [30](https://www.hubinternational.com/products/employee-benefits/ "Employee Benefits Brokers and Consulting Services") [16](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Company-reported; scope: Official 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.; verified: 2026-09-16.)<br><br>For technology companies, HUB lists professional liability/technology E&O, cyber, a patent package described as property, auto, liability and umbrella, international placements, cargo/stock throughput, property/builders risk, pollution liability, management liability including D&O, employment-practices liability, fiduciary liability, transactional/warranty insurance, crime, workers’ compensation, employee benefits, key-person life and disability, retirement solutions, and kidnap and ransom. [10](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") (Evidence: Company-reported; scope: Technology 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.; verified: 2026-09-16.) | Current direct offering pages support workers’ compensation, business owner’s policy, cyber, general liability and professional liability/E&O. The non-workers’ compensation pages describe typical protection; the issued policy and endorsements determine actual coverage. [41](https://www.pieinsurance.com/workers-comp "Workers’ Comp Insurance For Small Businesses") [45](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner’s Policy") [46](https://www.pieinsurance.com/small-business-insurance/cyber-insurance "Cyber Insurance For Small Businesses") [48](https://www.pieinsurance.com/small-business-insurance/general-liability "General Liability Insurance") [47](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors And Omissions Insurance") [42](https://www.pieinsurance.com/legal/terms-of-use "Terms Of Use") (Evidence: Company-reported; scope: Public US Pie pages with an explicit quote or contact invitation; educational-only topics and components of a BOP were not counted as standalone offerings.; verified: 2026-09-15.)<br><br>Pie says it stopped accepting commercial-auto submissions on December 1, 2025 and will issue no new or renewal commercial-auto policies on or after January 1, 2026. Existing policyholders retain coverage through their policy term and can still use Pie’s claim channels. [52](https://www.pieinsurance.com/claims/comm-auto-faq "Commercial Auto Claim FAQs") [58](https://www.pieinsurance.com/claims "File Your Claim Within 24 Hours") (Evidence: Company-reported; scope: Pie’s former commercial-auto offering and legacy policies; commercial auto is intentionally excluded from the current coverage catalogue.; verified: 2026-09-15.)<br><br>Pie’s terms say website coverage descriptions are not part of an insurance contract and do not change a policy or endorsement; eligibility and product availability can vary by geography and applicant. [42](https://www.pieinsurance.com/legal/terms-of-use "Terms Of Use") (Evidence: Company-reported; scope: Website descriptions and US products generally; the buyer’s issued policy and endorsements control.; verified: 2026-09-15.) |
| Application process | On hubinternational.com, commercial buyers are asked to contact a broker, connect with a specialist, or use Contact Us. Small-commercial inquiries meeting HUB’s stated size tests go to Insureon for an online quote. Product pages such as general liability, D&O, cyber and workers’ compensation use “Contact Us” or “Connect With a Broker” rather than an on-site bind flow. Privacy policy language refers to automation for insurance quoting, without documenting a public HUB retail e-commerce checkout for mid-market programs. [8](https://www.hubinternational.com/contact-us/ "Contact Us") [11](https://www.hubinternational.com/products/business-insurance/general-liability/ "General Liability Insurance Brokers") [12](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") [13](https://www.hubinternational.com/products/business-insurance/cyber-insurance/ "Cyber Insurance") [10](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") [6](https://www.hubinternational.com/about-us/privacy-policy/ "HUB International Privacy Policy") (Evidence: Company-reported; scope: Public website paths as of 16 September 2026. No application was submitted. Insureon’s own site is a separate digital agency flow.; verified: 2026-09-16.) | A small business can start a workers’ compensation quote on Pie’s website or work through an insurance agent; appointed agencies use a separate partner portal. [40](https://www.pieinsurance.com/about "About Pie Insurance") [39](https://www.pieinsurance.com/ "Pie Insurance") [41](https://www.pieinsurance.com/workers-comp "Workers’ Comp Insurance For Small Businesses") (Evidence: Company-reported; scope: Workers’ compensation access for small businesses and agencies; other product pages direct buyers to quote or contact flows but do not document the same process.; verified: 2026-09-15.)<br><br>The live direct quote starts with the business ZIP code. Pie’s workers’ compensation page says applicants also need their name, business name, annual payroll and class-code information. [44](https://quote.pieinsurance.com/ "Pie Insurance — Quote") [41](https://www.pieinsurance.com/workers-comp "Workers’ Comp Insurance For Small Businesses") (Evidence: Company-reported; scope: Unauthenticated first step and Pie’s description of workers’ compensation quote inputs; no data was entered and the flow was not advanced.; verified: 2026-09-15.)<br><br>Pie advertises an online workers’ compensation quote in about three minutes, while expressly stating that individual quote times vary. This is a company claim and does not establish how long underwriting or binding will take for a particular risk. [41](https://www.pieinsurance.com/workers-comp "Workers’ Comp Insurance For Small Businesses") [39](https://www.pieinsurance.com/ "Pie Insurance") (Evidence: Company-reported; scope: Workers’ compensation quote marketing; no timed independent quote test was performed.; verified: 2026-09-15.) |
| Fees and compensation | HUB’s How We Get Paid page says it is compensated primarily through insurer-paid commissions included in premium, and also through contingent income, guaranteed supplemental commissions, and, on some complex programs, client-paid fees disclosed in a proposal, sometimes in addition to commission. It owns wholesale brokerages that may earn a second commission when HUB retail uses them. It may receive fees for de-identified data under insurer consulting agreements, premium-finance administration, interest on fiduciary accounts, and policy or claims administration. Strategic Carriers may pay enhanced compensation, part of which may incentivize employees to prioritize those markets. No schedule of commission percentages or standard fees is published. [7](https://www.hubinternational.com/about-us/how-we-get-paid/ "How We Get Paid") (Evidence: Company-reported; scope: Firmwide compensation disclosure. Amounts for a given account are not disclosed on the public page.; verified: 2026-09-16.) | Published workers’ compensation options include annual, semi-annual, quarterly and monthly schedules, plus pay-as-you-go. The monthly schedule requires 16.6% upfront followed by ten monthly payments; pay-as-you-go uses reported payroll and no initial deposit. [55](https://www.pieinsurance.com/payment-options "Payment Options") [56](https://www.pieinsurance.com/pay-as-you-go "Pay-As-You-Go With Pie Insurance") (Evidence: Company-reported; scope: Pie’s current workers’ compensation payment pages; actual availability and policy-specific charges need confirmation in the quote.; verified: 2026-09-15.)<br><br>Pie publishes a 3% credit-card convenience fee for new, single-state workers’ compensation policies, except in Florida, Nebraska, Maryland and Rhode Island. Its page does not describe this fee for multi-state or renewal policies. [55](https://www.pieinsurance.com/payment-options "Payment Options") (Evidence: Company-reported; scope: Credit-card payments for new single-state workers’ compensation policies under the current payment-options page.; verified: 2026-09-15.)<br><br>Pie says each specific or blanket waiver-of-subrogation request carries a charge set by state rules and disclosed individually; the public FAQ does not give a dollar schedule. [54](https://www.pieinsurance.com/workers-comp/resources/frequently-asked-questions "Workers’ Comp FAQs") (Evidence: Not publicly disclosed; scope: Workers’ compensation waiver requests through Pie’s published service process.; verified: 2026-09-15.)<br><br>Pie says partner agents receive commissions on new and renewal workers’ compensation policies, and its legal footer says compensation rates can vary among insurers. The reviewed current pages do not publish the standard rate or the amount attached to a buyer’s policy. [59](https://www.pieinsurance.com/agency/faq "Partner FAQ") [43](https://www.pieinsurance.com/legal "Legal") (Evidence: Not publicly disclosed; scope: Agency-distributed workers’ compensation and other third-party placements; expired promotional incentives were not treated as current standard compensation.; verified: 2026-09-15.) |
| Claims assistance | HUB markets a claims-management practice that it says includes dedicated claims professionals, advocacy, coverage-dispute support, TPA selection and audits, reserve analysis and litigation-management support. It states the team has more than 225 claims professionals in the United States and Canada. The page also publishes numerical process claims such as 24-hour turnaround on claims reporting; those figures are company-reported marketing metrics, not independently verified outcomes, and they do not describe how a particular insurer will adjust a claim. [32](https://www.hubinternational.com/products/risk-services/claims-management/ "Insurance Claims Management") (Evidence: Company-reported; scope: HUB claims-management service page. HUB is not identified as the claims-paying insurer. No assessment of claims-handling quality is made here.; verified: 2026-09-16.) | Pie asks policyholders to report a workplace injury within 24 hours through its online form, 24/7 phone line or email. After intake, it says a claims professional follows up, determines whether the policy covers the claim and explains applicable benefits if accepted. [58](https://www.pieinsurance.com/claims "File Your Claim Within 24 Hours") (Evidence: Company-reported; scope: Published first-report process for Pie-serviced workers’ compensation claims; state notice rules and the issuing carrier’s policy still apply.; verified: 2026-09-15.)<br><br>Pie’s agency FAQ says Pie manages workers’ compensation claims in 34 states and CorVel handles Alaska, Mississippi, Nevada, New Mexico and Oregon. That 39-state split is not reconciled with the separately advertised 40-state-plus-D.C. footprint. [59](https://www.pieinsurance.com/agency/faq "Partner FAQ") [49](https://www.pieinsurance.com/agency/states-we-serve "Workers’ Comp Coverage By State") [60](https://ratings.ambest.com/DisclosurePDF.aspx?AMBNum=12272&PCA=0 "AM Best Rating Disclosure Report — Pie Casualty Insurance Company") (Evidence: Conflicting sources; scope: Public allocation of workers’ compensation claim handling; the current handler for an individual policy should be taken from its state kit and claim instructions.; verified: 2026-09-15.) |

## Related Reading

- [What Is HUB International?](https://spot.insure/insurance-providers/hub-international)
- [What Is Pie Insurance?](https://spot.insure/insurance-providers/pie-insurance)

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## Sources

### [HUB International Official Website](https://www.hubinternational.com)

1. [Insurance Broker San Francisco](https://www.hubinternational.com/offices/us/california/san-francisco/). HUB International; JSON-LD InsuranceAgency record naming HUB International Limited as parent; About Us office copy for 201 Mission Street; products and industries blocks. Accessed 2026-09-16.
2. [HUB International San Francisco 44 Montgomery Street](https://www.hubinternational.com/offices/us/california/san-francisco-44-montgomery-street/). HUB International; Office profile describing Merriwether & Williams Insurance Services history, bonding and contractor-development programs. Accessed 2026-09-16.
3. [California Insurance Brokers](https://www.hubinternational.com/offices/us/california/). HUB International; Introductory copy and listed California office directory including San Francisco locations. Accessed 2026-09-16.
4. [About Us](https://www.hubinternational.com/about-us/). HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16.
5. [Terms and Conditions](https://www.hubinternational.com/terms-and-conditions/). HUB International; Licensing section stating subsidiaries are licensed as brokers or agents in various U.S. states and Canadian provinces. Accessed 2026-09-16.
6. [HUB International Privacy Policy](https://www.hubinternational.com/about-us/privacy-policy/). HUB International; Effective 21 August 2025; applies to HUB International Limited and subsidiaries; insurance brokerage services; automation for quoting. Accessed 2026-09-16.
7. [How We Get Paid](https://www.hubinternational.com/about-us/how-we-get-paid/). HUB International; Commission, contingency, supplemental commission, client-paid fees, wholesale, carrier-services, strategic-carrier and other-compensation sections. Accessed 2026-09-16.
8. [Contact Us](https://www.hubinternational.com/contact-us/). HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16.
9. [Business Insurance Broker Coverage Policy](https://www.hubinternational.com/products/business-insurance/). HUB International; Essential coverage and beyond-the-basics product catalogue. Accessed 2026-09-16.
10. [Insurance for Technology Companies](https://www.hubinternational.com/industries/technology-company-insurance/). HUB International; Startup and software/hardware/digital-media audience; listed business and people coverages; claimed technology-client count. Accessed 2026-09-16.
11. [General Liability Insurance Brokers](https://www.hubinternational.com/products/business-insurance/general-liability/). HUB International; Product page describing typical general-liability subjects and invitation to contact a broker. Accessed 2026-09-16.
12. [Directors and Officers (D&O) Liability Insurance Broker](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/). HUB International; Product page for private, nonprofit and public-company D&O brokerage. Accessed 2026-09-16.
13. [Cyber Insurance](https://www.hubinternational.com/products/business-insurance/cyber-insurance/). HUB International; Product page describing first-party and post-breach cyber expenses as typically arranged. Accessed 2026-09-16.
14. [Professional Liability Insurance Brokers](https://www.hubinternational.com/products/business-insurance/professional-liability-insurance/). HUB International; Product page equating professional liability with errors and omissions and describing typical claim types. Accessed 2026-09-16.
15. [Errors and Omissions (E&O) Insurance Coverage](https://www.hubinternational.com/products/business-insurance/errors-and-omissions/). HUB International; Industries listed for E&O including technology, and statement that policies are customized. Accessed 2026-09-16.
16. [HUB ProEx](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/). HUB International; Professional & Executive Risk practice: EPL, fiduciary, crime/fidelity, K&R; certificates of insurance; claims and legal support; carrier-premium claim. Accessed 2026-09-16.
17. [Workers' Compensation Insurance Brokers](https://www.hubinternational.com/products/business-insurance/workers-compensation-insurance/). HUB International; Product page on workers’ compensation brokerage, state-fund variation and typical benefits. Accessed 2026-09-16.
18. [Business Owners Policy (BOP) Company Coverage](https://www.hubinternational.com/products/business-insurance/business-owners-policy/). HUB International; BOP described as combined property and liability for small and mid-size businesses. Accessed 2026-09-16.
19. [Commercial (Business) Property Insurance Brokers](https://www.hubinternational.com/products/business-insurance/commercial-property-insurance/). HUB International; Property Practice description, domestic and global carrier access, traditional and alternative structures. Accessed 2026-09-16.
20. [Commercial Auto Insurance Broker Policy & Coverage](https://www.hubinternational.com/products/business-insurance/commercial-auto/). HUB International; Commercial auto and trucking insurance; hired and non-owned exposures. Accessed 2026-09-16.
21. [Crime Insurance Brokers](https://www.hubinternational.com/products/business-insurance/crime-insurance/). HUB International; Crime/fraud coverage product page for private, public and not-for-profit organizations. Accessed 2026-09-16.
22. [Fiduciary Liability Insurance Brokers](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/). HUB International; Fiduciary liability product page distinguishing it from D&O. Accessed 2026-09-16.
23. [Kidnap and Ransom Insurance Brokers](https://www.hubinternational.com/products/business-insurance/kidnap-and-ransom-insurance/). HUB International; Kidnap and ransom product page for traveling executives and employees. Accessed 2026-09-16.
24. [Surety Bonds and Surety Bond Insurance for Businesses](https://www.hubinternational.com/products/business-insurance/surety-bonds/). HUB International; Contract surety types including bid, performance and payment bonds. Accessed 2026-09-16.
25. [Medical Malpractice Insurance Brokers](https://www.hubinternational.com/products/business-insurance/medical-malpractice-insurance/). HUB International; Medical malpractice brokerage, including telemedicine-related risks. Accessed 2026-09-16.
26. [Mergers & Acquisitions (M&A) Insurance Broker](https://www.hubinternational.com/products/business-insurance/mergers-and-acquisitions-insurance/). HUB International; Representations and warranties, litigation buyout and tax indemnification insurance. Accessed 2026-09-16.
27. [Comprehensive Casualty Insurance Solutions](https://www.hubinternational.com/products/business-insurance/casualty-insurance/). HUB International; General and product liability, umbrella and excess, workers’ compensation, product recall ancillary, global carrier relationships. Accessed 2026-09-16.
28. [Marine Insurance Broker Policy & Coverage](https://www.hubinternational.com/products/business-insurance/marine-insurance/). HUB International; Ocean and inland marine, cargo and related marine liability coverages; domestic and international carriers. Accessed 2026-09-16.
29. [Boiler and Machinery Equipment Insurance Coverage](https://www.hubinternational.com/products/business-insurance/boiler-and-machinery-insurance/). HUB International; Equipment breakdown / boiler and machinery product page. Accessed 2026-09-16.
30. [Employee Benefits Brokers and Consulting Services](https://www.hubinternational.com/products/employee-benefits/). HUB International; Employee-benefits brokerage and multi-year planning services. Accessed 2026-09-16.
31. [Virtual Care Insurance Brokerage Coverage](https://www.hubinternational.com/industries/healthcare-business-insurance/virtual-care-insurance/). HUB International; Virtual care medical professional liability, technology E&O, products liability, cyber and management liability list. Accessed 2026-09-16.
32. [Insurance Claims Management](https://www.hubinternational.com/products/risk-services/claims-management/). HUB International; Claims advocacy, TPA coordination, coverage-dispute support and published process metrics. Accessed 2026-09-16.
33. [Risk Management Information System (RMIS)](https://www.hubinternational.com/products/risk-services/risk-management-information-system/). HUB International; RMIS claims administration, certificate tracking and carrier/TPA data aggregation. Accessed 2026-09-16.
34. [About Insureon](https://www.insureon.com/about-us). Insureon; Insureon as part of HUB; licensed in every state; named example insurers; 2022 acquisition history; TechInsurance origin. Accessed 2026-09-16.
35. [Insurance Licenses by State](https://www.insureon.com/legal/licenses). Insureon; California 0L09546; footer that Insureon operates as a division of Specialty Program Group LLC dba SPG Insurance Solutions. Accessed 2026-09-16.
36. [Hub International and Bold Penguin to Acquire Leading Digital Small Commercial Insurance Firm Insureon](https://www.insureon.com/about-us/hub-international-and-bold-penguin-to-acquire-insureon). Insureon; 1 March 2022 announcement that HUB would acquire the Insureon digital agency and brand; operations to sit in Specialty Program Group LLC. Accessed 2026-09-16.
37. [About Us | TechInsurance](https://www.techinsurance.com/about-us). TechInsurance; TechInsurance as part of Insureon; 2022 HUB acquisition of Insureon’s digital agency. Accessed 2026-09-16.
38. [California Department of Insurance License Status Inquiry](https://cdicloud.insurance.ca.gov/cal). California Department of Insurance; Public license-search portal landing page; interactive search was not completed to a verifiable license record in this research. Accessed 2026-09-16.

### [Pie Insurance Official Website](https://www.pieinsurance.com/)

39. [Pie Insurance](https://www.pieinsurance.com/). Pie Insurance; Homepage: small-business audience; direct workers’ compensation quote; online account; footer entity, insurer and availability qualifications. Accessed 2026-09-15.
40. [About Pie Insurance](https://www.pieinsurance.com/about). Pie Insurance; About Pie; direct and agency distribution; footer legal disclosure. Accessed 2026-09-15.
41. [Workers’ Comp Insurance For Small Businesses](https://www.pieinsurance.com/workers-comp). Pie Insurance; Quote inputs; coverage description; company-reported quote-time and savings qualifications; AM Best link. Accessed 2026-09-15.
42. [Terms Of Use](https://www.pieinsurance.com/legal/terms-of-use). Pie Insurance; Updated 26 April 2022; Ownership and Agreement to Terms; geographic and product eligibility; policy controls coverage. Accessed 2026-09-15.
43. [Legal](https://www.pieinsurance.com/legal). Pie Insurance; State Licenses; footer disclosure naming producer and workers’ compensation versus third-party underwriting roles. Accessed 2026-09-15.
44. [Pie Insurance — Quote](https://quote.pieinsurance.com/). Pie Insurance; Live unauthenticated first step: Business ZIP Code; inspected without entering data or advancing. Accessed 2026-09-15.
45. [Business Owner’s Policy](https://www.pieinsurance.com/small-business-insurance/business-owners-policy). Pie Insurance; BOP definition; typical components; invitation to start a BOP quote; footer third-party insurer qualification. Accessed 2026-09-15.
46. [Cyber Insurance For Small Businesses](https://www.pieinsurance.com/small-business-insurance/cyber-insurance). Pie Insurance; First- and third-party descriptions; carrier-partner quote invitation; policy-variation qualification. Accessed 2026-09-15.
47. [Errors And Omissions Insurance](https://www.pieinsurance.com/errors-and-omissions-insurance). Pie Insurance; E&O and professional-liability equivalence; typical claims; carrier-partner placement statement; footer third-party insurer qualification. Accessed 2026-09-15.
48. [General Liability Insurance](https://www.pieinsurance.com/small-business-insurance/general-liability). Pie Insurance; Typical covered categories; carrier-partner quote invitation; footer third-party insurer qualification. Accessed 2026-09-15.
49. [Workers’ Comp Coverage By State](https://www.pieinsurance.com/agency/states-we-serve). Pie Insurance; Headline says 40 states and the District of Columbia; rendered state selector listed 39 state names and omitted New York and D.C.. Accessed 2026-09-15.
50. [Agency Document Library](https://www.pieinsurance.com/agency/document-library). Pie Insurance; Workers’ Comp State Documents: 40 named states plus Washington, D.C.. Accessed 2026-09-15.
51. [Pie Insurance Reports Strong 2025](https://www.pieinsurance.com/resource-center/press/2025-year-in-review). Pie Insurance; 13 January 2026 release; Key 2025 Milestones says 39 states plus Washington, D.C.; company and distribution description. Accessed 2026-09-15.
52. [Commercial Auto Claim FAQs](https://www.pieinsurance.com/claims/comm-auto-faq). Pie Insurance; Does Pie offer commercial auto insurance?; submission cutoff 1 December 2025; no new or renewal policies on or after 1 January 2026; legacy claim guidance. Accessed 2026-09-15.
53. [Online Account Tutorial](https://www.pieinsurance.com/resource-center/online-account-tutorial). Pie Insurance; Payment-method updates; instant and custom certificates; policy information; document access; agent-handled custom certificate qualification. Accessed 2026-09-15.
54. [Workers’ Comp FAQs](https://www.pieinsurance.com/workers-comp/resources/frequently-asked-questions). Pie Insurance; Certificates; waiver request timing and state-dependent charge; billing and payments; renewal timing; annual audit; claims. Accessed 2026-09-15.
55. [Payment Options](https://www.pieinsurance.com/payment-options). Pie Insurance; Annual, semi-annual, quarterly, monthly and pay-as-you-go schedules; payment methods; 3% card fee and state exceptions. Accessed 2026-09-15.
56. [Pay-As-You-Go With Pie Insurance](https://www.pieinsurance.com/pay-as-you-go). Pie Insurance; No initial deposit; actual-payroll monthly premium; automatic deductions; payroll-provider coordination. Accessed 2026-09-15.
57. [Your Workers’ Comp Premium Audit](https://www.pieinsurance.com/workers-comp/premium-audit). Pie Insurance; Required annual audit; estimated versus actual payroll; audit partner; requested payroll, employee, cash-expense and subcontractor certificate records. Accessed 2026-09-15.
58. [File Your Claim Within 24 Hours](https://www.pieinsurance.com/claims). Pie Insurance; Workers’ compensation reporting by online form, 24/7 phone or email; information requested; post-report coverage determination. Accessed 2026-09-15.
59. [Partner FAQ](https://www.pieinsurance.com/agency/faq). Pie Insurance; Workers’ compensation claim handling in 34 states; CorVel handling in Alaska, Mississippi, Nevada, New Mexico and Oregon; producer commissions on earned premium. Accessed 2026-09-15.
60. [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: A- (Excellent), Stable, affirmed 24 April 2026; page 14: rating unit, group insurer acquisitions, 100% workers’ compensation writing through PCIC and TPIC from 1 January 2024, 40 states and D.C.. Accessed 2026-09-15.
61. [The Pie Insurance Company — Company Details](https://insurance.mo.gov/find-insurance-company/company-details?id=104347111). Missouri Department of Commerce and Insurance; Company name; active license status; NAIC 21857; property-and-casualty authority; 2025 workers’ compensation market data. Accessed 2026-09-15.
62. [Pie Casualty Insurance Company — Entity Details](https://insurance.illinois.gov/applications/RegEntPortal/ViewEntityDetails.aspx?en=982281&s=Active&t=INS). Illinois Department of Insurance; Legal name; P&C Domestic Stock; active status; NAIC 10997; Pie Group Holdings, Inc. parent. Accessed 2026-09-15.
63. [Administrative Actions — January 2024](https://oci.wi.gov/Pages/PressReleases/AdminActions202401.aspx). Wisconsin Office of the Commissioner of Insurance; Allegations and Actions Against Companies: Pie Insurance Services, Inc. agreed to add a disclaimer to its “save up to 30%” advertising claim after misleading-advertising allegations. Accessed 2026-09-15.

Updated 2026-09-16. Last verified 2026-09-16. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [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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