---
title: "Liberty Mutual vs Pie Insurance: Workers’ Compensation Insurance"
description: "Pie says it underwrites through its carrier group and offers an online quote, certificates and payroll audits; Liberty Mutual lists the line through agents without naming its issuer."
canonical: "https://spot.insure/compare/liberty-mutual-vs-pie-insurance/workers-compensation"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "liberty-mutual-vs-pie-insurance"
provider-a: "liberty-mutual"
provider-b: "pie-insurance"
coverage-line: "workers-compensation"
---

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

## Agent Guide

**What this page is:** Focused comparison of Liberty Mutual 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 Liberty Mutual versus Pie Insurance. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Liberty Mutual vs Pie Insurance for Workers’ Compensation Insurance: how do they differ?
- Which is better for Workers’ Compensation Insurance, Liberty Mutual or Pie Insurance?
- What does Liberty Mutual or Pie Insurance publish about Workers’ Compensation Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Workers’ Compensation Insurance from Liberty Mutual or Pie Insurance?

**Key facts:**
- Line: Workers’ Compensation Insurance. Providers: Liberty Mutual and Pie Insurance.
- Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- "Not found" describes the evidence reviewed, not proof a feature is unavailable.
- 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 in the Sources section; last updated 2026-09-30. Editorial policy: /editorial-policy.

**Related pages:**
- [Liberty Mutual vs Pie Insurance](https://spot.insure/compare/liberty-mutual-vs-pie-insurance) — parent: all coverage lines for this pair
- [Workers’ Compensation Insurance guide](https://spot.insure/coverage/workers-compensation) — coverage explainer for this line
- [Liberty Mutual profile](https://spot.insure/insurance-providers/liberty-mutual) — provider profile (evidence)
- [Pie Insurance profile](https://spot.insure/insurance-providers/pie-insurance) — provider profile (evidence)
- [Liberty Mutual vs Pie Insurance Cyber Insurance](https://spot.insure/compare/liberty-mutual-vs-pie-insurance/cyber) — sibling comparison (other line, or other pair for this line)
- [Liberty Mutual vs Pie Insurance General Liability Insurance](https://spot.insure/compare/liberty-mutual-vs-pie-insurance/general-liability) — sibling comparison (other line, or other pair for this line)
- [AIG vs Liberty Mutual Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [AIG vs Pie Insurance Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-pie-insurance/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Liberty Mutual Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-liberty-mutual/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Pie Insurance Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-pie-insurance/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs Liberty Mutual Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-liberty-mutual/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs Pie Insurance Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-pie-insurance/workers-compensation) — sibling comparison (other line, or other pair for this line)

# Liberty Mutual vs Pie Insurance: How Do They Compare for Workers’ Compensation Insurance?

Pie says it underwrites through its carrier group and offers an online quote, certificates and payroll audits; Liberty Mutual lists the line through agents without naming its issuer.

## Research Scope and Use

Use this comparison to evaluate Liberty Mutual and Pie Insurance for Workers’ Compensation Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

Pie describes its underwriting entities and small-business services, while Liberty Mutual’s reviewed record confirms commercial distribution but leaves issuer detail open. [2](https://business.libertymutual.com/commercial-solutions/ "Commercial Insurance Solutions") [3](https://business.libertymutual.com/claims/policyholder-resources/workers-compensation-resources/ "Workers Compensation Resources") [7](https://ratings.ambest.com/DisclosurePDF.aspx?AMBNum=12272&PCA=0 "AM Best Rating Disclosure Report — Pie Casualty Insurance Company")

## What Is Liberty Mutual Business Insurance?

Liberty Mutual spans small-commercial, commercial, specialty, surety, and reinsurance businesses. The insurer and distribution route depend on the product, so check the offer and policy before you compare terms. [1](https://www.libertymutualgroup.com/about-lm/investor-relations/our-company/company-profile "Company Profile") [2](https://business.libertymutual.com/commercial-solutions/ "Commercial Insurance Solutions")

[Liberty Mutual profile](https://spot.insure/insurance-providers/liberty-mutual)

## What Is Pie Insurance?

Pie suits small businesses seeking workers’ compensation with online quoting and pay-as-you-go billing based on reported payroll, without an initial deposit; firms needing a broad technology or executive program should look elsewhere. [4](https://www.pieinsurance.com/legal "Legal") [5](https://www.pieinsurance.com/workers-comp "Workers' Comp Insurance for Small Businesses") [6](https://www.pieinsurance.com/resource-center/online-account-tutorial "Online Account Tutorial")

[Pie Insurance profile](https://spot.insure/insurance-providers/pie-insurance)

## What Is Workers’ Compensation Insurance?

Workers’ compensation can pay medical care and part of an employee’s lost wages after a work-related injury or illness. If you have staff, check who is covered in each state; owners, contractors and some workers may be treated differently. [8](https://content.naic.org/insurance-topics/workers%27-compensation-insurance "Workers’ Compensation Insurance") [9](https://content.naic.org/consumer/small-business.htm "Small Business Insurance") [10](https://www.dir.ca.gov/dwc/Employer.htm "DWC employer information") [11](https://www.tdi.texas.gov/wc/employer/index.html "Employer resources")

## Key Differences in Workers’ Compensation Insurance

### Who Underwrites and How You Apply

Pie says it underwrites workers’ compensation through its own carrier group, and its disclosure record identifies two group entities writing the line. Liberty Mutual lists workers’ compensation in its commercial catalogue and distributes products through brokers and agents, without naming the issuing insurer in the reviewed offering record. Pie also describes an online quote using business, payroll and class-code information; ask Liberty Mutual’s agent to identify its insurer and submission path. [3](https://business.libertymutual.com/claims/policyholder-resources/workers-compensation-resources/ "Workers Compensation Resources") [5](https://www.pieinsurance.com/workers-comp "Workers' Comp Insurance for Small Businesses")

### Small-Business Services

Pie markets workers’ compensation to small businesses and says it can issue certificates of insurance and perform a post-term payroll audit. Liberty Mutual’s record does not describe comparable certificate or audit services. Confirm whether Liberty Mutual offers them and compare the treatment of estimated versus actual payroll. [3](https://business.libertymutual.com/claims/policyholder-resources/workers-compensation-resources/ "Workers Compensation Resources") [5](https://www.pieinsurance.com/workers-comp "Workers' Comp Insurance for Small Businesses")

## What to Confirm in Workers’ Compensation Insurance Quotes

- Which Pie group entity will issue the quote and how will final payroll differ from the estimate at audit?
- Who underwrites Liberty Mutual’s offer and are certificates and payroll audits included?

## Offering Details

| Criteria | Workers Compensation | Pie Workers' Comp Insurance |
| --- | --- | --- |
| Role in This Line | Liberty Mutual lists workers compensation in its commercial catalogue and publishes policyholder resources for the line. [2](https://business.libertymutual.com/commercial-solutions/ "Commercial Insurance Solutions") [3](https://business.libertymutual.com/claims/policyholder-resources/workers-compensation-resources/ "Workers Compensation Resources") (Evidence: Company-reported; scope: Official Liberty Mutual commercial/product page; company-reported description scoped to Workers Compensation. Not policy wording, underwriting approval, state eligibility or a coverage guarantee..) | 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. [5](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..) |
| Issuing Insurer | Confirm in your quote. | 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. [7](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..) |
| Who It’s For | Published resources direct policyholders to state-specific forms and provider lookup; these do not establish new-policy eligibility. [2](https://business.libertymutual.com/commercial-solutions/ "Commercial Insurance Solutions") [3](https://business.libertymutual.com/claims/policyholder-resources/workers-compensation-resources/ "Workers Compensation Resources") (Evidence: Company-reported; scope: Official Liberty Mutual commercial/product page; company-reported description scoped to Workers Compensation. Not policy wording, underwriting approval, state eligibility or a coverage guarantee..) | Pie says workers' compensation is legally required in nearly all states for businesses with few exceptions, and markets its program to small businesses. [5](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 | The company describes provider networks, pharmacy programs and state-specific resources for work-injury claims. [2](https://business.libertymutual.com/commercial-solutions/ "Commercial Insurance Solutions") [3](https://business.libertymutual.com/claims/policyholder-resources/workers-compensation-resources/ "Workers Compensation Resources") (Evidence: Company-reported; scope: Official Liberty Mutual commercial/product page; company-reported description scoped to Workers Compensation. Not policy wording, underwriting approval, state eligibility or a coverage guarantee..) | 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. [5](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..) |
| Risk Services | Confirm in your quote. | 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. [5](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..) |
| How to Apply | The cited product page does not establish an online application or policy-binding path; ask the listed team or your broker/agent how this product is placed. [2](https://business.libertymutual.com/commercial-solutions/ "Commercial Insurance Solutions") [3](https://business.libertymutual.com/claims/policyholder-resources/workers-compensation-resources/ "Workers Compensation Resources") (Evidence: Not found in reviewed sources; scope: Reviewed product-page scope only. This not-found disposition is not a claim that no digital route exists..) | 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. [5](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..) |

## Full Comparison

- [Liberty Mutual vs Pie Insurance](https://spot.insure/compare/liberty-mutual-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.
- [Liberty Mutual vs Pie Insurance Cyber Insurance](https://spot.insure/compare/liberty-mutual-vs-pie-insurance/cyber)
- [Liberty Mutual vs Pie Insurance General Liability Insurance](https://spot.insure/compare/liberty-mutual-vs-pie-insurance/general-liability)
- [AIG vs Liberty Mutual Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-liberty-mutual/workers-compensation)
- [AIG vs Pie Insurance Workers’ Compensation Insurance](https://spot.insure/compare/aig-vs-pie-insurance/workers-compensation)
- [Alliance Risk vs Liberty Mutual Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-liberty-mutual/workers-compensation)
- [Alliance Risk vs Pie Insurance Workers’ Compensation Insurance](https://spot.insure/compare/alliance-risk-vs-pie-insurance/workers-compensation)
- [Amelia Risk vs Liberty Mutual Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-liberty-mutual/workers-compensation)
- [Amelia Risk vs Pie Insurance Workers’ Compensation Insurance](https://spot.insure/compare/amelia-risk-vs-pie-insurance/workers-compensation)

## Sources

### Liberty Mutual

1. [Company Profile](https://www.libertymutualgroup.com/about-lm/investor-relations/our-company/company-profile). Liberty Mutual Group; Strategic business units paragraph: US Retail Markets (individuals/small businesses; small commercial; countrywide) and Global Risk Solutions (mid-size/large businesses; commercial, specialty, reinsurance, surety; worldwide).. Accessed 2026-09-29.
2. [Commercial Insurance Solutions](https://business.libertymutual.com/commercial-solutions/). Liberty Mutual Business Insurance; Commercial solutions index names commercial auto and fleet, cyber, environmental liability, equipment breakdown, excess and surplus, general liability, healthcare liability, inland marine, management liability, multinational, ocean marine, professional liability, property, reinsurance, surety, umbrella/excess and workers compensation. Disclosure says policy insurer is named when offered, may be an affiliate/subsidiary or surplus-lines insurer; states/jurisdictions and actual policy terms vary.. Accessed 2026-09-29.
3. [Workers Compensation Resources](https://business.libertymutual.com/claims/policyholder-resources/workers-compensation-resources/). Liberty Mutual Business Insurance; Customer resources section describes medical-provider networks, pharmacy program, online provider lookup, and state-specific claims forms/posting notices; service statements are company-reported and do not establish policy eligibility.. Accessed 2026-09-29.

### Pie Insurance

4. [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.
5. [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.
6. [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.
7. [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.

### Workers’ Compensation Insurance Guide

8. [Workers’ Compensation Insurance](https://content.naic.org/insurance-topics/workers%27-compensation-insurance). National Association of Insurance Commissioners; Opening definition; mandatory coverage except Texas opt-in; exclusive remedy; monopolistic state funds; self-insurance note. Accessed 2026-09-16.
9. [Small Business Insurance](https://content.naic.org/consumer/small-business.htm). National Association of Insurance Commissioners; Typically covers medical expenses, rehabilitation costs and lost wages; check with your state insurance department; ask these questions / who qualifies as a covered employee (contractors, part-time staff, interns); payroll and type-of-work rating factors. Accessed 2026-09-16.
10. [DWC employer information](https://www.dir.ca.gov/dwc/Employer.htm). California Department of Industrial Relations, Division of Workers’ Compensation; Opening trade-off and California requirement; basic benefits including medical care, temporary and permanent disability, supplemental job displacement, return-to-work supplement and death benefits; out-of-state employer note. Accessed 2026-09-16.
11. [Employer resources](https://www.tdi.texas.gov/wc/employer/index.html). Texas Department of Insurance, Division of Workers’ Compensation; In Texas, private employers can choose to carry workers’ compensation insurance coverage, but it is not required in most cases; lost wages and medical benefits; except when gross negligence results in a fatality, coverage limits liability. Accessed 2026-09-16.

Updated 2026-09-30. 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.

## Liberty Mutual Reviews

Review Score: 7.2 / 10 from 2 rated sources, equally weighted.

Customers give Liberty Mutual 4.2 out of 5 on Trustpilot from 3,836 reviews, but that page mixes auto, home and life customers with business ones. For business insurance specifically, NerdWallet gives 3.0 out of 5 and reports more complaints than expected.

- NerdWallet: NerdWallet editorial rating 3.0/5 (NerdWallet proprietary editorial score; not a consumer rating average or Spot Score). NerdWallet business-insurance editorial review, updated June 3, 2026. Its 3.0/5 is NerdWallet’s editorial score, not a consumer average or Spot Rating. It reports above-expected commercial-property and general-liability complaints for 2022–2024 and a low J.D. Power result. Period: Page updated June 3, 2026. Checked 2026-09-29. [Liberty Mutual Business Insurance Review 2026: Big Company Dogged by Customer Complaints](https://www.nerdwallet.com/business/insurance/learn/liberty-mutual-business-insurance)
- Trustpilot: Trustpilot consumer TrustScore 4.2/5 (Platform aggregate for a mixed Liberty Mutual brand profile; not business-only); 3836 reviews. Company-wide Liberty Mutual Trustpilot profile. Its description highlights auto, home and life insurance; review excerpts are not restricted to commercial buyers or one issuing entity. The displayed score/count are a consumer-review-site aggregate, separate from editorial ratings and survey data. Period: Displayed September 29, 2026; live total changes. Checked 2026-09-29. [Liberty Mutual Reviews](https://www.trustpilot.com/review/www.libertymutual.com)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/liberty-mutual/reviews).

## Pie Insurance Reviews

Review Score: 1.7 / 10 from 2 rated sources, equally weighted.

Pie’s service record raises clear concerns: elevated regulator complaints reported by NerdWallet, 1.7/5 on Trustpilot and an F from BBB. Investigate billing, cancellation and complaint handling before buying.

- Trustpilot: TrustScore 1.7 (5 stars); 666 reviews. Brand-level Trustpilot consumer reviews; policy product is generally identified as workers’ compensation, but reviewer policy/entity scope varies. Checked 2026-09-25. [Pie Insurance Reviews - Trustpilot](https://www.trustpilot.com/review/www.pieinsurance.com)
- BBB: BBB Rating F (BBB letter grade). BBB profile for commercial insurance services; BBB grade and complaint-response record, not policy performance measure. Period: BBB profile reports 15 complaints filed, 13 unanswered; complaint data, not reviews. Checked 2026-09-25. [Pie Insurance Services | BBB Business Profile](https://www.bbb.org/us/dc/washington/profile/commercial-insurance-services/pie-insurance-services-0241-236060990)

Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/pie-insurance/reviews).

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/liberty-mutual-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)