---
title: "Kinro vs Pie Insurance: Workers’ Compensation Insurance"
description: "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."
canonical: "https://spot.insure/compare/kinro-vs-pie-insurance/workers-compensation"
page-type: "line-comparison"
updated-at: "2026-09-23"
comparison-pair: "kinro-vs-pie-insurance"
provider-a: "kinro"
provider-b: "pie-insurance"
coverage-line: "workers-compensation"
---

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

## Agent Guide

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

**Key facts:**
- Line: Workers’ Compensation Insurance. Providers: Kinro 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:**
- [Kinro vs Pie Insurance](https://spot.insure/compare/kinro-vs-pie-insurance) — all coverage lines for this pair
- [Workers’ Compensation Insurance guide](https://spot.insure/coverage/workers-compensation) — how this coverage works
- [Kinro profile](https://spot.insure/insurance-providers/kinro) — provider profile
- [Pie Insurance profile](https://spot.insure/insurance-providers/pie-insurance) — provider profile

# 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 the policy itself through an AM Best-rated carrier group; Kinro routes an application to outside carriers instead.

## Kinro vs Pie Insurance Workers’ Compensation Insurance Summary

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](https://ratings.ambest.com/DisclosurePDF.aspx?AMBNum=12272&PCA=0 "AM Best Rating Disclosure Report — Pie Casualty Insurance Company") [1](https://kinro.com/products/workers-compensation "Workers Compensation")

## 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. [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..)

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](https://kinro.com/products/workers-compensation "Workers Compensation")

### 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](https://www.pieinsurance.com/workers-comp "Workers' Comp Insurance for Small Businesses") 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](https://kinro.com/products/workers-compensation "Workers Compensation")

## 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](https://ratings.ambest.com/DisclosurePDF.aspx?AMBNum=12272&PCA=0 "AM Best Rating Disclosure Report — Pie Casualty Insurance Company")
- Ask Kinro which specific outside carriers it can access for your class codes and state. [1](https://kinro.com/products/workers-compensation "Workers Compensation")
- Compare the class-code assignment behind each quote, since Pie automates it while Kinro's process isn't detailed on its page. [2](https://www.pieinsurance.com/workers-comp "Workers' Comp Insurance for Small Businesses") [1](https://kinro.com/products/workers-compensation "Workers Compensation")
- Ask about the post-term premium audit Pie describes and whether Kinro's carrier placements include a similar true-up. [2](https://www.pieinsurance.com/workers-comp "Workers' Comp Insurance for Small Businesses")

## Kinro vs Pie Insurance Workers’ Compensation Insurance Compared

| 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. [1](https://kinro.com/products/workers-compensation "Workers Compensation") (Evidence: Company-reported; scope: 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. [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..) |
| 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. [1](https://kinro.com/products/workers-compensation "Workers Compensation") (Evidence: Company-reported; scope: 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. [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; 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. [1](https://kinro.com/products/workers-compensation "Workers Compensation") (Evidence: Company-reported; scope: 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. [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 | 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. [1](https://kinro.com/products/workers-compensation "Workers Compensation") (Evidence: Company-reported; scope: 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. [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..) |

## About Kinro and Pie Insurance and Workers’ Compensation Insurance

- [Kinro company profile](https://spot.insure/insurance-providers/kinro) · [Kinro customer reviews](https://spot.insure/insurance-providers/kinro/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 Kinro vs Pie Insurance Workers’ Compensation

- [Kinro vs Pie Insurance](https://spot.insure/compare/kinro-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.
- [Kinro Workers’ Compensation Insurance](https://spot.insure/insurance-providers/kinro/workers-compensation)
- [Pie Insurance Workers’ Compensation Insurance](https://spot.insure/insurance-providers/pie-insurance/workers-compensation)

## Sources for Kinro vs Pie Insurance Workers’ Compensation Insurance

### Sources About Kinro

1. [Workers Compensation](https://kinro.com/products/workers-compensation). Kinro; Common fit; Product file; Coverage — What it usually handles; Triggers — When it comes up; Quote file — Inputs carriers usually need; Routing — Match the product to the operation; Market fit. 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.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/kinro-vs-pie-insurance/workers-compensation.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)