Kinro vs Pie Insurance: How Do They Compare for Workers’ Compensation Insurance?

Kinro, a broker, collects payroll by state and class codes to match carriers; Pie Insurance underwrites workers' comp itself and quotes online from payroll and class-code details.

Pie underwrites workers' compensation through its own carrier group, rated A- (Excellent) by AM Best, with a roughly three-minute online quote. Kinro instead routes an application to third-party carriers based on payroll, class codes and experience modifiers. ^3,¹

What Are the Key Differences Between Kinro and Pie Insurance Workers’ Compensation Insurance?

Underwriting the Policy Versus Routing an Application

Pie underwrites workers' compensation through its own carrier group rather than only brokering it to outside insurers.

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. ³Verified. 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.

Kinro instead matches a business to a third-party carrier, saying the product "can underwrite differently" by operation and that market fit depends on carrier appetite and state filings. ¹

Getting a Quote

Pie advertises a roughly three-minute online quote using payroll and an automated class-code tool, plus a post-term premium audit comparing estimated to actual payroll. ² Kinro instead collects payroll by state, owner status, class codes, subcontractor exposure and prior experience modifiers, often reviewing the file alongside general liability and auto coverage. ¹

What Should You Confirm in Kinro and Pie Insurance Workers’ Compensation Insurance Quotes?

Confirm Pie's current AM Best rating and effective date directly, since ratings can change after the reviewed report. ³
Ask Kinro which specific outside carriers it can access for your class codes and state. ¹
Compare the class-code assignment behind each quote, since Pie automates it while Kinro's process isn't detailed on its page. ² ¹
Ask about the post-term premium audit Pie describes and whether Kinro's carrier placements include a similar true-up. ²

Kinro vs Pie Insurance Workers’ Compensation Insurance Compared

Kinro vs Pie Insurance: Workers’ Compensation Insurance: documented features by provider

Criteria	Kinro Workers Compensation	Pie Workers' Comp Insurance
Who It’s For	Kinro says workers' compensation commonly fits restaurants, contractors, cleaning crews and retail teams, and typically comes up when a business hires W-2 employees, a customer or contract requires it before work starts, or the business operates in a state where employee count triggers a coverage requirement. ¹Company-reported. Workers Compensation page "Common fit" and "Triggers" sections.	Pie says workers' compensation is legally required in nearly all states for businesses with few exceptions, and markets its program to small businesses. ²Company-reported. Workers' Comp product page as read on 2026-09-23.
How to Apply	To quote workers' compensation, Kinro collects payroll by state, owner inclusion or exclusion, employee duties, class codes, subcontractor exposure and prior experience modifiers, and often reviews it together with general liability, commercial auto and BOP coverage. ¹Company-reported. Workers Compensation page "Quote file" and "Reviewed with" sections.	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. ²Company-reported. 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	Kinro describes workers' compensation as covering employee workplace injuries and occupational illness claims, with state-specific payroll, class-code and ownership questions and evidence of coverage for contracts, leases and customer requirements. ¹Company-reported. Workers Compensation page introduction and "Coverage" section; actual terms depend on the carrier, state and policy placed.	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. ²Company-reported. 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	Kinro is a broker: it matches a business to a workers' compensation carrier rather than underwriting the policy itself, saying the product "can underwrite differently" by operation and that market fit depends on carrier appetite and required state filings. ¹Company-reported. Workers Compensation page "Routing" and "Market fit" sections.	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. ²Company-reported. Workers' Comp product page as read on 2026-09-23; restates the provider record's verified insurer-route fact.