---
title: "Lockton vs Pie Insurance"
description: "Why Pie’s workers’ compensation specialist channel does not replace Lockton’s multi-line technology brokerage, and how the two can sit together."
canonical: "https://spot.insure/compare/lockton-vs-pie-insurance"
page-type: "provider-comparison"
updated-at: "2026-09-16"
verified-at: "2026-09-16"
entities: ["Spot", "Lockton", "Pie Insurance"]
---

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

# Lockton vs Pie Insurance

Why Pie’s workers’ compensation specialist channel does not replace Lockton’s multi-line technology brokerage, and how the two can sit together.

## Research Scope and Use

Use this comparison to evaluate Lockton 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 is a small-business group whose affiliated carriers write workers’ compensation and whose producer sells other lines through partner markets. Lockton is a broker that lists workers’ compensation among casualty placements alongside cyber, directors and officers (D&O) liability and benefits. Pie workers’ compensation is a product channel; Lockton is a program intermediary. [7](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation") [5](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") [25](https://www.pieinsurance.com/workers-comp "Workers’ Comp Insurance For Small Businesses") [27](https://www.pieinsurance.com/legal "Legal")



## Introduction

Pie markets workers’ compensation to small businesses online or through agencies, with The Pie Insurance Company and affiliates described as workers’ compensation underwriters and other products on unaffiliated paper. [25](https://www.pieinsurance.com/workers-comp "Workers’ Comp Insurance For Small Businesses") [27](https://www.pieinsurance.com/legal "Legal") Lockton’s workers’ compensation page describes program design with claims advisors and access to unnamed markets, next to a broader technology and casualty offering. [7](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation") [5](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance")

A 40-person software company that wants pay-as-you-go workers’ compensation and also needs directors and officers (D&O) liability and cyber is looking at a **workers’ compensation specialist channel** that can sit beside other placements. Pie describes business owners policy, general liability and professional liability as using third-party insurers—confirm whether Pie is placing those lines or only workers’ compensation. Using Lockton for D&O does not require using Pie. [4](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance")

## Documented Provider Strengths

### Lockton

- Lockton describes itself as a privately held independent broker for risk, employee benefits and retirement, not as the insurer on the policies it places. [1](https://global.lockton.com/us/en "Lockton United States") [13](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") [20](https://global.lockton.com/us/en/our-story "Our Story") (Evidence: Company-reported; scope: Company-reported US brand and Terms of Business. The contracting Lockton company can differ by client. Private-ownership and independence claims are marketing statements, not a regulatory finding.; verified: 2026-09-16.)
- US pages list brokerage for cyber and privacy, directors and officers, casualty (including general and product liability, auto, cargo, umbrella and workers’ compensation), property, fiduciary liability and employee benefits. [2](https://global.lockton.com/us/en/technology "Technology") [3](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") [4](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance") [5](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") [6](https://global.lockton.com/us/en/products-services/property "Property Insurance") [7](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation") [8](https://global.lockton.com/us/en/products-services/employee-benefits "Lockton People Solutions") [9](https://global.lockton.com/us/en/products-services/fiduciary-liability-insurance "Fiduciary Liability Insurance") [10](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms "Risk & People Solutions for Private Equity Firms") (Evidence: Company-reported; scope: Direct US product and industry pages accessed 16 September 2026. Technology errors and omissions is discussed in educational Lockton articles but was not added from those articles alone. Catalogue entries from the private-equity page are marketed in that industry context.; verified: 2026-09-16.)

### Pie Insurance

- Small businesses can start a workers’ compensation quote directly online or through an insurance agent. [24](https://www.pieinsurance.com/about "About Pie Insurance") [23](https://www.pieinsurance.com/ "Pie Insurance") [25](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. [39](https://www.pieinsurance.com/payment-options "Payment Options") [40](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 | Lockton | Pie Insurance |
| --- | --- | --- |
| Business owner’s policy | Not listed | Listed [29](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner’s Policy") |
| Cargo and transit | Listed [5](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") | Not listed |
| Commercial auto | Listed [5](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") | Not listed |
| Commercial property | Listed [6](https://global.lockton.com/us/en/products-services/property "Property Insurance") | Not listed |
| Crime | Listed [10](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms "Risk & People Solutions for Private Equity Firms") | Not listed |
| Cyber liability | Listed [3](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") [2](https://global.lockton.com/us/en/technology "Technology") | Listed [30](https://www.pieinsurance.com/small-business-insurance/cyber-insurance "Cyber Insurance For Small Businesses") |
| Directors and officers | Listed [4](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance") [2](https://global.lockton.com/us/en/technology "Technology") | Not listed |
| Employee health and benefits | Listed [8](https://global.lockton.com/us/en/products-services/employee-benefits "Lockton People Solutions") | Not listed |
| Employment practices liability | Listed [10](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms "Risk & People Solutions for Private Equity Firms") | Not listed |
| Fiduciary liability | Listed [9](https://global.lockton.com/us/en/products-services/fiduciary-liability-insurance "Fiduciary Liability Insurance") | Not listed |
| General liability | Listed [5](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") | Listed [32](https://www.pieinsurance.com/small-business-insurance/general-liability "General Liability Insurance") |
| Key person | Listed [10](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms "Risk & People Solutions for Private Equity Firms") | Not listed |
| Product liability | Listed [5](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") | Not listed |
| Professional liability / E&O | Listed [10](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms "Risk & People Solutions for Private Equity Firms") | Listed [31](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors And Omissions Insurance") |
| Representations and warranties | Listed [10](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms "Risk & People Solutions for Private Equity Firms") | Not listed |
| Surety bonds | Listed [10](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms "Risk & People Solutions for Private Equity Firms") | Not listed |
| Umbrella and excess liability | Listed [5](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") | Not listed |
| Workers’ compensation | Listed [7](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation") [5](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") | Listed [25](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 Lockton and Pie Insurance

### Who Bears Workers’ Compensation Risk

Pie’s affiliated carriers write workers’ compensation. Lockton is an intermediary on whatever insurer it places. An AM Best rating for a Pie company, if you rely on it, applies to that rated group—not to a Lockton-placed policy with another insurer. [27](https://www.pieinsurance.com/legal "Legal") [7](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation")

### How You Buy Workers’ Compensation

Pie advertises a minutes-scale online workers’ compensation quote with variable actual times and pay-as-you-go. That is Pie’s company claim, not a bind guarantee. Lockton’s published U.S. contact is an expert inquiry. [25](https://www.pieinsurance.com/workers-comp "Workers’ Comp Insurance For Small Businesses") [12](https://global.lockton.com/us/en/contact-us "Contact Us")

### Extra Charges

Pie publishes a card fee in most states for new single-state workers’ compensation and waiver-of-subrogation charges set by state. Lockton’s public terms do not publish those add-on schedules. [27](https://www.pieinsurance.com/legal "Legal") [13](https://global.lockton.com/us/en/terms-of-business "US Terms of Business")

## What to Confirm in Quotes

- **Workers’ compensation issuer and pay-as-you-go eligibility** at Pie versus any Lockton market. [25](https://www.pieinsurance.com/workers-comp "Workers’ Comp Insurance For Small Businesses") [7](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation")
- **Who places directors and officers liability and cyber** if Pie is used only for workers’ compensation. [3](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology")
- **Card fees and waiver charges** on Pie. [27](https://www.pieinsurance.com/legal "Legal")
- **Audit and class-code ownership** on either proposal. [7](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation")



## Service Comparison

Lockton vs Pie Insurance: documented services and availability.

| Criteria | Lockton | Pie Insurance |
| --- | --- | --- |
| Business role | Lockton’s US site describes the firm as an independent insurance brokerage that arranges customized risk, employee benefits and retirement solutions. US Terms of Business treat Lockton Companies, LLC and affiliated Lockton companies as intermediaries that market, place and service insurance, not as the risk-bearing insurer on a placed policy. [1](https://global.lockton.com/us/en "Lockton United States") [13](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") [20](https://global.lockton.com/us/en/our-story "Our Story") (Evidence: Company-reported; scope: Company-reported US brand and Terms of Business. The contracting Lockton company can differ by client. Private-ownership and independence claims are marketing statements, not a regulatory finding.; verified: 2026-09-16.)<br><br>Public US terms name Lockton Companies, LLC (and Series, subsidiaries and affiliates) as the brokerage group and Lockton, Inc. as the website operator. Certificates produced by Lockton also use the California DBA Lockton Insurance Brokers, LLC. Confirm the legal name on any broker-of-record or services agreement; these pages do not by themselves establish which entity would be appointed for a California company. [13](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") [14](https://global.lockton.com/us/en/terms-of-use "Lockton US Terms of Use") [21](https://pdfnet.lockton.com/previewliabilityholder.aspx?hid=16856448&cid=153853&mid=0&iid=0&lname=CertKeyUser&blank=FALSE&isHco=FALSE&queuetype=holder&tid=3AED1A5B0390C976D7DFC1757B12DEBDE6CDCE7F "Lockton-produced certificate of insurance producer header") (Evidence: Company-reported; scope: Company legal disclosures and company-issued certificates. Missouri charter number 00498854 appears in website terms as a company statement. Current secretary-of-state and producer-license status were not independently verified.; verified: 2026-09-16.)<br><br>Lockton-produced certificates print California license number 0F15767 for Lockton Companies, LLC DBA Lockton Insurance Brokers, LLC. Current license status, classes and expiration remain independently unverified. Treat California producer authority as unresolved until a regulator record or the proposed engagement papers are checked. [21](https://pdfnet.lockton.com/previewliabilityholder.aspx?hid=16856448&cid=153853&mid=0&iid=0&lname=CertKeyUser&blank=FALSE&isHco=FALSE&queuetype=holder&tid=3AED1A5B0390C976D7DFC1757B12DEBDE6CDCE7F "Lockton-produced certificate of insurance producer header") [22](https://www.insurance.ca.gov/license-status/ "California Department of Insurance — Check a License") (Evidence: Not found in reviewed sources; scope: Company-issued certificate header versus CDI lookup homepage only. Not a finding that the license is inactive or that California product placement is unavailable.; 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. [24](https://www.pieinsurance.com/about "About Pie Insurance") [27](https://www.pieinsurance.com/legal "Legal") [25](https://www.pieinsurance.com/workers-comp "Workers’ Comp Insurance For Small Businesses") [29](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner’s Policy") [30](https://www.pieinsurance.com/small-business-insurance/cyber-insurance "Cyber Insurance For Small Businesses") [31](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors And Omissions Insurance") [32](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. [26](https://www.pieinsurance.com/legal/terms-of-use "Terms Of Use") [46](https://insurance.illinois.gov/applications/RegEntPortal/ViewEntityDetails.aspx?en=982281&s=Active&t=INS "Pie Casualty Insurance Company — Entity Details") [44](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. [27](https://www.pieinsurance.com/legal "Legal") [47](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 | For technology clients, Lockton highlights cyber liability and directors and officers liability, plus related services such as contract review and international program design. Dedicated US product pages describe brokerage for casualty lines (auto, cargo, general and product liability, umbrella and excess, workers’ compensation), commercial property, fiduciary liability for employee-benefit-plan fiduciaries, and People Solutions employee benefits. A private-equity capabilities list also names errors and omissions, crime and financial-institution bonds, employment practices liability, surety, key-person insurance, transaction insurance including representations and warranties, and portfolio-company programs. Actual policy wording, limits and whether a given buyer is offered those lines remain quote-dependent. [2](https://global.lockton.com/us/en/technology "Technology") [3](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") [4](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance") [5](https://global.lockton.com/us/en/products-services/casualty "Casualty Insurance") [6](https://global.lockton.com/us/en/products-services/property "Property Insurance") [7](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation") [8](https://global.lockton.com/us/en/products-services/employee-benefits "Lockton People Solutions") [9](https://global.lockton.com/us/en/products-services/fiduciary-liability-insurance "Fiduciary Liability Insurance") [10](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms "Risk & People Solutions for Private Equity Firms") (Evidence: Company-reported; scope: Direct US product and industry pages accessed 16 September 2026. Technology errors and omissions is discussed in educational Lockton articles but was not added from those articles alone. Catalogue entries from the private-equity page are marketed in that industry context.; 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. [25](https://www.pieinsurance.com/workers-comp "Workers’ Comp Insurance For Small Businesses") [29](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner’s Policy") [30](https://www.pieinsurance.com/small-business-insurance/cyber-insurance "Cyber Insurance For Small Businesses") [32](https://www.pieinsurance.com/small-business-insurance/general-liability "General Liability Insurance") [31](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors And Omissions Insurance") [26](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. [36](https://www.pieinsurance.com/claims/comm-auto-faq "Commercial Auto Claim FAQs") [42](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. [26](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 | Public US application starts as an inquiry: the US contact form (Ask an Expert) and industry pages invite buyers to connect with a team. The privacy notice refers to soliciting an insurance policy quote. The Cyber & Technology page publishes cyber@lockton.com. Reviewed pages do not describe a self-serve bind flow, published quote turnaround, or an unauthenticated online application that issues a policy without a Lockton representative. [12](https://global.lockton.com/us/en/contact-us "Contact Us") [1](https://global.lockton.com/us/en "Lockton United States") [15](https://global.lockton.com/us/en/privacy-notice "Lockton Companies Website Privacy Notice") [3](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") [14](https://global.lockton.com/us/en/terms-of-use "Lockton US Terms of Use") (Evidence: Company-reported; scope: US contact, privacy, technology and cyber-technology pages. Form submission was not completed. Website terms state site content is general information, not broking advice.; 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. [24](https://www.pieinsurance.com/about "About Pie Insurance") [23](https://www.pieinsurance.com/ "Pie Insurance") [25](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. [28](https://quote.pieinsurance.com/ "Pie Insurance — Quote") [25](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. [25](https://www.pieinsurance.com/workers-comp "Workers’ Comp Insurance For Small Businesses") [23](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 | US Terms of Business say Lockton may be paid insurer commissions (a percentage of premium), negotiated client fees in lieu of or in addition to commissions, additional compensation such as contingent or supplemental commissions, insurer service fees (including for some managing-general-agency or analytics work), compensation involving affiliate Lockton Re, LLC on reinsurance placements, and interest or premium-finance related income. Commissions are described as fully earned at inception unless law or insurer contracts say otherwise. The terms tell clients to ask their Lockton representative for account-specific compensation. No public fee schedule, commission percentages or typical startup pricing appears on the reviewed pages. [13](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") (Evidence: Company-reported; scope: Compensation Disclosure section of US Terms of Business. Amounts for a given account are not disclosed on the public site.; 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. [39](https://www.pieinsurance.com/payment-options "Payment Options") [40](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. [39](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. [38](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. [43](https://www.pieinsurance.com/agency/faq "Partner FAQ") [27](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 | Lockton describes claims advocacy as a service, not as the insurer paying claims. Technology, D&O and fiduciary pages say a Professional & Executive Risk Claims team, including insurance and claims counsel, is integrated with the broking team and that claims advocacy is not treated as a profit center. Loss-prevention pages describe claims consulting: investigations, mapping facts to policies, preparing presentations, and discussions with insurer lawyers and loss adjusters. Workers’ compensation pages mention claims service advocates. Terms of Business include claims handling and claims processing among Lockton’s intermediary services and state Lockton is not responsible for an insurer’s solvency or willingness to pay. These descriptions do not establish claims outcomes or handling quality. [2](https://global.lockton.com/us/en/technology "Technology") [4](https://global.lockton.com/us/en/products-services/d-and-o-insurance "D&O Insurance") [9](https://global.lockton.com/us/en/products-services/fiduciary-liability-insurance "Fiduciary Liability Insurance") [11](https://global.lockton.com/us/en/products-services/loss-prevention-and-claims "Loss Prevention and Claims") [7](https://global.lockton.com/us/en/products-services/workers-compensation "Workers' Compensation") [13](https://global.lockton.com/us/en/terms-of-business "US Terms of Business") (Evidence: Company-reported; scope: Company-reported advocacy and consulting. Lockton is not identified as the claims-paying insurer.; 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. [42](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. [43](https://www.pieinsurance.com/agency/faq "Partner FAQ") [33](https://www.pieinsurance.com/agency/states-we-serve "Workers’ Comp Coverage By State") [44](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 Lockton?](https://spot.insure/insurance-providers/lockton)
- [What Is Pie Insurance?](https://spot.insure/insurance-providers/pie-insurance)

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- [Alliance Risk vs Pie Insurance](https://spot.insure/compare/alliance-risk-vs-pie-insurance)
- [Amelia Risk vs Lockton](https://spot.insure/compare/amelia-risk-vs-lockton)
- [Amelia Risk vs Pie Insurance](https://spot.insure/compare/amelia-risk-vs-pie-insurance)
- [Armilla vs Lockton](https://spot.insure/compare/armilla-vs-lockton)
- [Armilla vs Pie Insurance](https://spot.insure/compare/armilla-vs-pie-insurance)
- [At-Bay vs Lockton Insurance](https://spot.insure/compare/at-bay-vs-lockton)
- [At-Bay vs Pie Insurance](https://spot.insure/compare/at-bay-vs-pie-insurance)
- [Beazley vs Lockton](https://spot.insure/compare/beazley-vs-lockton)
- [Beazley vs Pie Insurance](https://spot.insure/compare/beazley-vs-pie-insurance)
- [CFC vs Lockton](https://spot.insure/compare/cfc-vs-lockton)
- [CFC vs Pie Insurance](https://spot.insure/compare/cfc-vs-pie-insurance)
- [Chubb vs Lockton](https://spot.insure/compare/chubb-vs-lockton)
- [Chubb vs Pie Insurance](https://spot.insure/compare/chubb-vs-pie-insurance)
- [Coalition vs Lockton](https://spot.insure/compare/coalition-vs-lockton)
- [Coalition vs Pie Insurance](https://spot.insure/compare/coalition-vs-pie-insurance)
- [Corgi vs Lockton](https://spot.insure/compare/corgi-vs-lockton)
- [Corgi vs Pie Insurance](https://spot.insure/compare/corgi-vs-pie-insurance)
- [Coterie vs Lockton](https://spot.insure/compare/coterie-vs-lockton)
- [Coterie Insurance vs Pie Insurance](https://spot.insure/compare/coterie-vs-pie-insurance)
- [Coverdash vs Lockton](https://spot.insure/compare/coverdash-vs-lockton)
- [Coverdash vs Pie Insurance](https://spot.insure/compare/coverdash-vs-pie-insurance)
- [Cowbell vs Lockton](https://spot.insure/compare/cowbell-vs-lockton)
- [Cowbell vs Pie Insurance](https://spot.insure/compare/cowbell-vs-pie-insurance)
- [Embroker vs Lockton](https://spot.insure/compare/embroker-vs-lockton)
- [Embroker vs Pie Insurance](https://spot.insure/compare/embroker-vs-pie-insurance)
- [Founder Shield vs Lockton](https://spot.insure/compare/foundershield-vs-lockton)
- [Founder Shield vs Pie Insurance](https://spot.insure/compare/foundershield-vs-pie-insurance)
- [Gallagher vs Lockton](https://spot.insure/compare/gallagher-vs-lockton)
- [Gallagher vs Pie Insurance](https://spot.insure/compare/gallagher-vs-pie-insurance)
- [Harper vs Lockton](https://spot.insure/compare/harper-vs-lockton)
- [Harper vs Pie Insurance](https://spot.insure/compare/harper-vs-pie-insurance)
- [Heffernan vs Lockton](https://spot.insure/compare/heffernan-vs-lockton)
- [Heffernan vs Pie Insurance](https://spot.insure/compare/heffernan-vs-pie-insurance)
- [Hiscox vs Lockton](https://spot.insure/compare/hiscox-vs-lockton)
- [Hiscox vs Pie Insurance](https://spot.insure/compare/hiscox-vs-pie-insurance)
- [HUB International vs Lockton](https://spot.insure/compare/hub-international-vs-lockton)
- [HUB International vs Pie Insurance](https://spot.insure/compare/hub-international-vs-pie-insurance)
- [Kinro vs Lockton](https://spot.insure/compare/kinro-vs-lockton)
- [Kinro vs Pie Insurance](https://spot.insure/compare/kinro-vs-pie-insurance)
- [Layr vs Lockton](https://spot.insure/compare/layr-vs-lockton)
- [Layr vs Pie Insurance](https://spot.insure/compare/layr-vs-pie-insurance)
- [Lockton vs Marsh](https://spot.insure/compare/lockton-vs-marsh)
- [Lockton vs Mylo](https://spot.insure/compare/lockton-vs-mylo)
- [Lockton vs Newfront](https://spot.insure/compare/lockton-vs-newfront)
- [Lockton vs ERGO NEXT](https://spot.insure/compare/lockton-vs-next-insurance)
- [Lockton vs Relm](https://spot.insure/compare/lockton-vs-relm)
- [Lockton vs Resilience](https://spot.insure/compare/lockton-vs-resilience)
- [Lockton vs RiskCube](https://spot.insure/compare/lockton-vs-riskcube)
- [Lockton vs Risklytics](https://spot.insure/compare/lockton-vs-risklytics)
- [Lockton vs StartupInsurance.ai](https://spot.insure/compare/lockton-vs-startupinsurance)
- [Lockton vs TechInsurance](https://spot.insure/compare/lockton-vs-techinsurance)
- [Lockton vs The Hartford](https://spot.insure/compare/lockton-vs-the-hartford)
- [Lockton vs Travelers](https://spot.insure/compare/lockton-vs-travelers)
- [Lockton vs USI](https://spot.insure/compare/lockton-vs-usi)
- [Lockton vs Vouch](https://spot.insure/compare/lockton-vs-vouch)
- [Lockton vs WithCoverage](https://spot.insure/compare/lockton-vs-withcoverage)
- [Marsh vs Pie Insurance](https://spot.insure/compare/marsh-vs-pie-insurance)
- [Mylo vs Pie Insurance](https://spot.insure/compare/mylo-vs-pie-insurance)
- [Newfront vs Pie Insurance](https://spot.insure/compare/newfront-vs-pie-insurance)
- [ERGO NEXT Insurance vs Pie Insurance](https://spot.insure/compare/next-insurance-vs-pie-insurance)
- [Pie Insurance vs Relm Insurance](https://spot.insure/compare/pie-insurance-vs-relm)
- [Pie Insurance vs Resilience](https://spot.insure/compare/pie-insurance-vs-resilience)
- [Pie Insurance vs RiskCube](https://spot.insure/compare/pie-insurance-vs-riskcube)
- [Pie Insurance vs Risklytics Insurance](https://spot.insure/compare/pie-insurance-vs-risklytics)
- [Pie Insurance vs StartupInsurance.ai](https://spot.insure/compare/pie-insurance-vs-startupinsurance)
- [Pie Insurance vs TechInsurance](https://spot.insure/compare/pie-insurance-vs-techinsurance)
- [Pie Insurance vs The Hartford](https://spot.insure/compare/pie-insurance-vs-the-hartford)
- [Pie Insurance vs Travelers Insurance](https://spot.insure/compare/pie-insurance-vs-travelers)
- [Pie Insurance vs USI](https://spot.insure/compare/pie-insurance-vs-usi)
- [Pie Insurance vs Vouch](https://spot.insure/compare/pie-insurance-vs-vouch)
- [Pie Insurance vs WithCoverage](https://spot.insure/compare/pie-insurance-vs-withcoverage)

## Sources

### [Lockton Official Website](https://global.lockton.com/us/en)

1. [Lockton United States](https://global.lockton.com/us/en). Lockton; Opening description of independent insurance brokerage for risk, benefits and retirement; Ask an Expert link to contact-us. Accessed 2026-09-16.
2. [Technology](https://global.lockton.com/us/en/technology). Lockton; Industry introduction; cyber liability heading; dedicated technology team; listed services including claims advocacy, contract review, directors and officers liability, and international program design; 24/7 service model. Accessed 2026-09-16.
3. [Cyber & Technology](https://global.lockton.com/us/en/cyber-technology). Lockton; A complete solution to inform, improve, and insure cyber and privacy risk; insurer partnerships; Insure step including claim life cycle; contact cyber@lockton.com. Accessed 2026-09-16.
4. [D&O Insurance](https://global.lockton.com/us/en/products-services/d-and-o-insurance). Lockton; Program description; Side A/B/C overview; who can be covered; Claims management and Professional & Executive Risk Claims team. Accessed 2026-09-16.
5. [Casualty Insurance](https://global.lockton.com/us/en/products-services/casualty). Lockton; Introduction on designing and placing liability, auto and workers compensation; Casualty Insurance Solutions list: Auto, Cargo, General & Product Liability, Umbrella & Excess Liability, Workers' Compensation; dedicated service team. Accessed 2026-09-16.
6. [Property Insurance](https://global.lockton.com/us/en/products-services/property). Lockton; Matching property risks to the global marketplace; manuscript property policy; assistance with complex claim recovery; no centralized broking centers claim. Accessed 2026-09-16.
7. [Workers' Compensation](https://global.lockton.com/us/en/products-services/workers-compensation). Lockton; Program design with claims experts; access to more than 100 regional, global and program markets; claims service advocates. Accessed 2026-09-16.
8. [Lockton People Solutions](https://global.lockton.com/us/en/products-services/employee-benefits). Lockton; Introducing Lockton People Solutions; FAQ on products (employee experiences, total rewards and benefits, management and measurement) and private ownership. Accessed 2026-09-16.
9. [Fiduciary Liability Insurance](https://global.lockton.com/us/en/products-services/fiduciary-liability-insurance). Lockton; What is fiduciary liability insurance; typical coverage list; claims management; distinction from ERISA bonds. Accessed 2026-09-16.
10. [Risk & People Solutions for Private Equity Firms](https://global.lockton.com/us/en/products-services/solutions-for-private-equity-firms). Lockton; Lockton capabilities list including D&O/GPL, transaction insurance (reps, tax, litigation), E&O, crime and FI bonds, cyber, EPL, surety, portfolio company programs, key person, and benefits design. Accessed 2026-09-16.
11. [Loss Prevention and Claims](https://global.lockton.com/us/en/products-services/loss-prevention-and-claims). Lockton; Claims consulting description: investigations, policy mapping, discussions with insurer lawyers and loss adjusters; documenting and presenting claims. Accessed 2026-09-16.
12. [Contact Us](https://global.lockton.com/us/en/contact-us). Lockton; Inquiry form requiring Terms of Use and Privacy Notice acknowledgment; general enquiries mailbox disclaimer. Accessed 2026-09-16.
13. [US Terms of Business](https://global.lockton.com/us/en/terms-of-business). Lockton; Opening entity definition; Surplus Lines; Use of a Particular Insurer; Compensation Disclosure; servicing, claims handling and renewal language in Confidentiality section; Intermediaries. Accessed 2026-09-16.
14. [Lockton US Terms of Use](https://global.lockton.com/us/en/terms-of-use). Lockton; Who we are: Lockton, Inc., Missouri corporation, charter number 00498854; Kansas City principal office; last updated October 15, 2021; Site content is general information, not broking or insurance advice. Accessed 2026-09-16.
15. [Lockton Companies Website Privacy Notice](https://global.lockton.com/us/en/privacy-notice). Lockton; Last updated January 2025; collection when visitors solicit an insurance policy quote; disclosure to insurance companies and intermediaries for quotes. Accessed 2026-09-16.
16. [Offices - Lockton US](https://global.lockton.com/us/en/offices). Lockton; Global headquarters Kansas City, 444 W 47th St. Suite 900; US inquiry email KC-Inquiries@lockton.com. Accessed 2026-09-16.
17. [Lockton Insurance Brokers - San Francisco](https://global.lockton.com/offices/usa-san-francisco). Lockton; Office heading Lockton Insurance Brokers - San Francisco; Suite 600, Three Embarcadero Center, San Francisco, CA 94111. Accessed 2026-09-16.
18. [Lockton Insurance Brokers - Los Angeles](https://global.lockton.com/offices/usa-los-angeles). Lockton; Office heading and 777 S. Figueroa St. Suite 5200, Los Angeles, CA 90017. Accessed 2026-09-16.
19. [Lockton Insurance Brokers - Irvine](https://global.lockton.com/offices/usa-irvine). Lockton; Office heading and 19800 MacArthur Blvd., Irvine, CA 92612. Accessed 2026-09-16.
20. [Our Story](https://global.lockton.com/us/en/our-story). Lockton; Independence changes everything; family organization and private ownership statements; insurance, employee benefits consulting and retirement services. Accessed 2026-09-16.
21. [Lockton-produced certificate of insurance producer header](https://pdfnet.lockton.com/previewliabilityholder.aspx?hid=16856448&cid=153853&mid=0&iid=0&lname=CertKeyUser&blank=FALSE&isHco=FALSE&queuetype=holder&tid=3AED1A5B0390C976D7DFC1757B12DEBDE6CDCE7F). Lockton; Producer block: Lockton Companies, LLC DBA Lockton Insurance Brokers, LLC in CA; CA license #0F15767. Accessed 2026-09-16.
22. [California Department of Insurance — Check a License](https://www.insurance.ca.gov/license-status/). California Department of Insurance; Public license-status inquiry landing page; interactive lookup not completed with a returned license detail record in this research pass. Accessed 2026-09-16.

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

23. [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.
24. [About Pie Insurance](https://www.pieinsurance.com/about). Pie Insurance; About Pie; direct and agency distribution; footer legal disclosure. Accessed 2026-09-15.
25. [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.
26. [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.
27. [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.
28. [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.
29. [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.
30. [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.
31. [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.
32. [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.
33. [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.
34. [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.
35. [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.
36. [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.
37. [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.
38. [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.
39. [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.
40. [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.
41. [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.
42. [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.
43. [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.
44. [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.
45. [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.
46. [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.
47. [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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