---
title: "Mylo vs Pie Insurance: Workers’ Compensation Insurance"
description: "Pie underwrites workers' compensation through its own carrier group, with an AM Best financial-strength rating verified for that entity; Mylo instead compares quotes from outside carriers rather than underwriting the policy."
canonical: "https://spot.insure/compare/mylo-vs-pie-insurance/workers-compensation"
page-type: "line-comparison"
updated-at: "2026-09-23"
comparison-pair: "mylo-vs-pie-insurance"
provider-a: "mylo"
provider-b: "pie-insurance"
coverage-line: "workers-compensation"
---

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

## Agent Guide

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

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

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

Mylo, a broker, compares quotes across several carriers; Pie Insurance underwrites workers' comp itself and quotes online from payroll, business name and class-code details.

Pie underwrites workers' compensation itself through an AM Best-rated carrier group; Mylo instead shops the policy across outside carriers.

## Mylo vs Pie Insurance Workers’ Compensation Insurance Summary

Pie underwrites workers' compensation through its own carrier group, with an AM Best financial-strength rating verified for that entity; Mylo instead compares quotes from outside carriers rather than underwriting the policy. [3](https://ratings.ambest.com/DisclosurePDF.aspx?AMBNum=12272&PCA=0 "AM Best Rating Disclosure Report — Pie Casualty Insurance Company") [1](https://choosemylo.com/business/product-workers-comp "Workers' Comp")

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

### Who Underwrites the Policy

Mylo brokers workers' compensation by comparing quotes across multiple outside carriers, without naming an insurer itself. [1](https://choosemylo.com/business/product-workers-comp "Workers' Comp") Pie underwrites the line through its own carrier group instead of only brokering it:

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..)

### What the Base Policy Excludes

Pie's page lists specific exclusions from its standard coverage — injuries suffered off the job, self-inflicted injuries, policy violations and injuries from committing a crime — alongside its medical, disability and death benefits. [2](https://www.pieinsurance.com/workers-comp "Workers' Comp Insurance for Small Businesses") Mylo describes workers' compensation more generally as a no-fault system covering workplace accidents, repetitive injuries and occupational illness, without listing comparable named exclusions. [1](https://choosemylo.com/business/product-workers-comp "Workers' Comp")

### How You Get a Quote

Pie says an online quote needs only the applicant's name, business name, payroll and class code, with a tool to help identify the correct code, and advertises a roughly three-minute process. [2](https://www.pieinsurance.com/workers-comp "Workers' Comp Insurance for Small Businesses") Mylo instead describes the shopping process itself — comparing rates that carriers assign to the same classification — rather than a single quote flow with its own carrier. [1](https://choosemylo.com/business/product-workers-comp "Workers' Comp")

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

- Ask Pie whether your business's payroll and class code were verified against the illustrative online quote, since a post-term premium audit compares estimated to actual payroll. [2](https://www.pieinsurance.com/workers-comp "Workers' Comp Insurance for Small Businesses")
- Ask Mylo which carriers it compared for your account and confirm none of them is Pie's own carrier group, to avoid duplicating the same underlying policy. [1](https://choosemylo.com/business/product-workers-comp "Workers' Comp")
- Verify Pie's advertised savings of up to 30% against your own prior premium rather than a general marketing figure. [2](https://www.pieinsurance.com/workers-comp "Workers' Comp Insurance for Small Businesses")
- If your state requires purchasing from a state fund, ask Mylo how it would route you, since Pie's page does not address monopolistic states. [1](https://choosemylo.com/business/product-workers-comp "Workers' Comp")

## Mylo vs Pie Insurance Workers’ Compensation Insurance Compared

| Criteria | Mylo Workers' Compensation Insurance | Pie Workers' Comp Insurance |
| --- | --- | --- |
| Who It’s For | Mylo says almost all states require workers' compensation for employers with employees, that Texas has exceptions, and that employee-count and employment-status requirements vary by state. [1](https://choosemylo.com/business/product-workers-comp "Workers' Comp") (Evidence: Company-reported; scope: Workers' comp product page..)<br><br>Mylo says Ohio, North Dakota, Washington and Wyoming require employers to buy workers' compensation from a state fund rather than a private insurer, and that its agents can direct buyers in those states accordingly. [1](https://choosemylo.com/business/product-workers-comp "Workers' Comp") (Evidence: Company-reported; scope: Workers' comp product page "Your state makes a difference" section..) | 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..) |
| Coverage Features | Mylo describes workers' comp as a no-fault system covering workplace accidents, repetitive injuries and occupational illness, paying medical treatment, lost wages and retraining costs, and serving as the exclusive remedy that generally shields the employer from employee lawsuits over those injuries. [1](https://choosemylo.com/business/product-workers-comp "Workers' Comp") (Evidence: Company-reported; scope: Workers' comp product page; the issued policy and its exclusions control..) | 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 | Mylo brokers workers' compensation insurance by comparing quotes from multiple carriers rather than underwriting the policy itself. [1](https://choosemylo.com/business/product-workers-comp "Workers' Comp") (Evidence: Company-reported; scope: Workers' comp product page..) | 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..) |
| Risk Services | Mylo says employers' liability coverage, often included within a workers' comp policy, can cover the rare situations where an employer is still sued over a workplace injury despite the no-fault system. [1](https://choosemylo.com/business/product-workers-comp "Workers' Comp") (Evidence: Company-reported; scope: Workers' comp product page FAQ..) | 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. [2](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..) |

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

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

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

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

### Sources About Mylo

1. [Workers' Comp](https://choosemylo.com/business/product-workers-comp). Mylo; Workers' comp protects your employees and you; How do you benefit? (no-fault system); Your state makes a difference (monopolistic states); Workers' compensation FAQs (how premium is determined). 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/mylo-vs-pie-insurance/workers-compensation.md)
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