Pie Insurance vs Resilience: How Do They Compare for Business Insurance?

Small businesses can buy Pie’s workers’ compensation directly or through agents; affiliated insurers underwrite workers’ comp, while outside insurers provide some other Pie products. ^{2,5,3,7,8,9,10}Company-reportedCurrent public Pie brand and US small-business insurance services; this describes group roles, not a promise that every product is available to every applicant.

If parent-company ownership matters, Pie Group Holdings, Inc. owns the website and is regulator-listed parent of Pie Casualty; AM Best identifies the insurer group as Pie Insurance Group. ^4,24,22VerifiedWebsite ownership and the parent shown for Pie Casualty Insurance Company; no claim about voting control or every intermediate subsidiary.

Pie Insurance Services, Inc. is the producer that sells and administers policies; verify its current license in your state because Pie’s own license page is not regulator confirmation. ^5,25Company-reportedProducer identity and Pie-published US license list; Wisconsin’s regulator separately identifies this entity in a 2024 administrative action.

Resilience combines cyber and technology E&O insurance with cybersecurity risk-management services for businesses. ^26,28,29Company-reportedBrand-level offering; not a statement that the brand is the risk-bearing insurer.

Confirm who will place the policy in California: Resilience names Ocrea Risk Services, LLC dba Resilience Cyber Insurance Solutions and NPN 19169260 as US distributor, but this disclosure is not independent license verification. ²⁷Company-reportedUS distribution entity; regulator license lookup not completed.

Pie workers’ compensation is written by The Pie Insurance Company and affiliates; AM Best says all business moved to The Pie Insurance Company and Pie Casualty Insurance Company as of January 1, 2024. ^5,22,23,24VerifiedPie’s workers’ compensation program; the actual declarations page controls the issuing insurer for a specific policy and state.

Pie Casualty has an A- (Excellent) financial-strength rating with Stable outlook from AM Best, affirmed April 24, 2026; this is an insurer-strength opinion, not a guarantee your claim will be covered. ²²VerifiedPie Casualty Insurance Company and the consolidated Pie Insurance Group rating unit as identified in the disclosure report.

For Pie’s BOP, GL, professional liability or cyber, ask which insurer would issue the policy; Pie says outside partners underwrite these lines but its reviewed pages do not name current partners. ^5,7,8,9,10Not publicly disclosedCurrent public BOP, cyber, general-liability and professional-liability/E&O pages; account-specific carrier access was not tested.

Ask which insurer will issue your California policy: Resilience names Homeland Insurance Company of New York or Delaware but not which one applies to a specific quote. ²⁷Company-reportedCompany-reported US insurer disclosure; no binder or California policy form reviewed.

Small businesses can start a workers’ compensation quote online or through an insurance agent; agencies use a separate partner portal. ^2,1,3Company-reportedWorkers’ compensation access for small businesses and agencies; other product pages direct buyers to quote or contact flows but do not describe the same process.

Have your ZIP, payroll and class-code details ready for a Pie workers’ compensation quote; its online intake begins with ZIP code. ^6,3Company-reportedUnauthenticated first step and Pie’s description of workers’ compensation quote inputs; no data was entered and the flow was not advanced.

Pie advertises a workers’ compensation quote in about three minutes, but this company estimate does not predict underwriting or binding time. ^3,1Company-reportedWorkers’ compensation quote marketing; no timed independent quote test was performed.

Brokers can access Resilience through its broker page and businesses can submit an inquiry; no end-to-end self-serve purchase or binding-time guarantee was described. ^30,32Company-reportedObserved public broker/contact route; no application submitted or portal accessed.

Pie policyholders can manage payments, download documents and request workers’ comp certificates online; custom certificates may require your agent. ^15,16Company-reportedPublished workers’ compensation account tutorial; authenticated features were not accessed or independently tested.

Budget for a workers’ comp premium audit: Pie replaces estimated payroll with actual figures and may request payroll, employee, expense and subcontractor records, which can change your final premium. ¹⁹Company-reportedPie workers’ compensation premium audit process; the page does not quantify any resulting additional charge or refund.

Pie’s consumer FAQ describes a workers’ compensation renewal quote about 30 days before expiry for review and acceptance. Its agency FAQ says previews for policies under $20,000 go to the insured with the agency copied, while previews for policies over $20,000 go to the producer; unless otherwise notified, the deposit is drafted and the renewal issued five days before its effective date. The FAQ does not specify the exact-$20,000 case. Ask which notice and payment process applies to your account. ^16,21Company-reportedDifferent company-published consumer and agency descriptions of workers’ compensation renewal. Neither guarantees renewal or unchanged terms; the account notice determines the applicable process.

Resilience’s Edge service helps prioritize security spending by estimated financial impact, while Arc shows cyber risk across entities; these tools are risk-management services, not insurance. ^33,34Company-reportedCurrent named cybersecurity products; outcomes not independently established.

You can buy insurance without buying Resilience security services; confirm which tools are bundled and which require a separate agreement. ²⁷Company-reportedCompany disclaimer; does not establish free services or package pricing.

Ask Resilience for renewal deadlines and service timing because reviewed pages do not specify renewal documents, price commitments or standard turnaround. ^30,28,29Not publicly disclosedScoped to current HTML pages; older package materials were not used to promise current renewal terms.

Report workplace injuries to Pie within 24 hours through its form, phone or email; Pie says a claims professional follows up and assesses coverage and benefits. ²⁰Company-reportedPublished first-report process for Pie-serviced workers’ compensation claims; state notice rules and the issuing carrier’s policy still apply.

Ask who handles your state’s workers’ comp claim: Pie says it manages claims in 34 states and CorVel in five, a split not reconciled with its separate 40-state-plus-DC availability. ^21,11,22Conflicting sourcesPublic allocation of workers’ compensation claim handling; the current handler for an individual policy should be taken from its state kit and claim instructions.

Resilience says an in-house team and claims manager are available 24/7 through settlement, with privacy, forensic, recovery and crisis specialists; these service claims are not independently measured. ³¹Company-reportedClaims operating model; no response-time, acceptance-rate or recovery performance claim adopted.