Kinro vs Pie Insurance

Kinro’s website identifies Kinro Insurance Services LLC and displays National Producer Number (NPN) 22233799. It describes the business as a commercial insurance brokerage: the intermediary helping arrange coverage. The insurer issuing your policy is a separate role. ^5,10

Kinro’s public pages use several names: the footer names Kinro Insurance Services LLC, text-message disclosures name Kinro, Inc., and the Terms of Service name Kinro AI. Those terms describe selling AI sales-agent technology to financial-services companies under commercial orders. They do not clearly explain how those names or contracts relate to an insurance buyer’s agency agreement. ^6,5

Kinro also offers market access and technology to independent agencies and agents. Its partner page says they retain the customer relationship, subject to their written agreement. Its separate commercial-placement service asks the parties to allocate advice, binding, billing, endorsements, certificates, renewals, and communication before placing business. ^8,9

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. ^{23,26,24,28,29,30,31}

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. ^25,45,43

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. ^26,46

Kinro’s public “Start a new quote” page opens without a login and begins with a business-activity selector, labeled step 1 of 4. Later application steps, quote results, payment, and binding were not inspected. ²

Kinro says AI helps collect information and present available quote options, with licensed-agent support. Its homepage describes agent follow-up after submission and advertises a roughly two-minute reply. That is a response-time claim, not a verified deadline for receiving or binding insurance. ¹

Kinro offers a free review starting with an upload of a declarations page, renewal packet, or policy. It accepts up to three PDF, PNG, or JPG files, each up to 25 MB. Its promise to seek a better price with equivalent or higher coverage is a company claim; no replacement quote or coverage comparison was tested. ⁴

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. ^23,22,24

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. ^27,24

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. ^24,22

Kinro lists general liability, business owner’s policies, workers’ compensation, commercial auto, trucking, commercial property, tools and equipment, hired and non-owned auto, umbrella or excess liability, professional liability, cyber, and directors and officers insurance. These are shopping categories; the catalogue does not establish eligibility or a single package containing them all. ³

Kinro describes a business owner’s policy as a package that can combine general liability and business property for eligible businesses. Its intake guidance asks about the premises, inventory, equipment, improvements, and required limits. ¹²

For professional liability—also called errors and omissions, or E&O—Kinro asks about your services, clients, contracts, prior claims, and existing coverage. Its cyber guide separately asks about data, multi-factor authentication, backups, vendor access, and prior incidents. ^14,15

Kinro’s directors and officers guide addresses businesses with investors, boards, or financing requirements. It calls for funding, ownership, board, debt, and claims information, and treats employment practices, fiduciary, and crime coverage as additional questions to review. ¹⁶

The reviewed product guides did not identify an issuing insurer or provide specimen policy forms for these placements. Limits, deductibles, exclusions, and the precise coverage wording need the actual proposal and policy. ^{11,12,14,15,16}

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. ^{24,28,29,31,30,25}

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. ^35,41

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. ²⁵

Kinro discloses that it may receive compensation when it places a policy. Its agency-partner page also describes commissions, with the basis, deductions, chargebacks, and payment timing set by agreement. The reviewed disclosures do not state what Kinro or another producer would earn on your policy, or whether your purchase would include a separate buyer-paid fee. ^18,8

For consultants, Kinro publishes monthly benchmarks of $25–$35 for general liability, $50–$65 for professional liability, and $90–$105 for cyber. It labels these market benchmarks, not quotes or guaranteed prices. They do not specify a matched insurer, limit, deductible, and policy form for your business. ¹⁷

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. ^38,39

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. ³⁸

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. ³⁷

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. ^42,26

The reviewed contact page, text-update disclosures, and placement terms did not establish a dedicated claims-reporting procedure or identify who adjusts a claim. Ask for the policy’s reporting instructions and the responsible insurer or claims administrator; general agency support does not establish claims-payment responsibility. ^19,5,9

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. ⁴¹

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. ^42,32,43