---
title: "Pie Insurance vs RiskCube"
description: "Compare Pie’s workers’ compensation and payroll workflows with RiskCube’s startup liability brokerage when a company begins hiring."
canonical: "https://spot.insure/compare/pie-insurance-vs-riskcube"
page-type: "provider-comparison"
updated-at: "2026-09-16"
verified-at: "2026-09-16"
entities: ["Spot", "Pie Insurance", "RiskCube"]
---

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

# Pie Insurance vs RiskCube

Compare Pie’s workers’ compensation and payroll workflows with RiskCube’s startup liability brokerage when a company begins hiring.

## Research Scope and Use

Use this comparison to evaluate Pie Insurance and RiskCube 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’s affiliated carriers write workers’ compensation, while its producer offers selected other lines through outside carriers. RiskCube brokers startup liability and related coverages from third-party insurers. A hiring company may need a workers’ compensation placement alongside its broader startup program rather than choosing one brand for every exposure. [5](https://www.pieinsurance.com/legal "Legal") [3](https://www.pieinsurance.com/workers-comp "Workers’ Comp Insurance For Small Businesses") [18](https://www.pieinsurance.com/pay-as-you-go "Pay-As-You-Go With Pie Insurance") [29](https://riskcubeai.com/terms "Terms of Service") [30](https://riskcubeai.com/insurance "Startup Insurance Coverage")



## Introduction

Hiring creates a different insurance workflow from satisfying an investor's D&O request or a customer's technology-liability clause. Pie's central offer is workers' compensation written by affiliated carriers, with selected other products through outside insurers. RiskCube brokers startup liability and related lines. For a hiring startup, the two may address different parts of the insurance schedule; the records do not establish that RiskCube can place Pie. [5](https://www.pieinsurance.com/legal "Legal") [3](https://www.pieinsurance.com/workers-comp "Workers’ Comp Insurance For Small Businesses") [30](https://riskcubeai.com/insurance "Startup Insurance Coverage") [29](https://riskcubeai.com/terms "Terms of Service")

## Documented Provider Strengths

### Pie Insurance

- Small businesses can start a workers’ compensation quote directly online or through an insurance agent. [2](https://www.pieinsurance.com/about "About Pie Insurance") [1](https://www.pieinsurance.com/ "Pie Insurance") [3](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. [17](https://www.pieinsurance.com/payment-options "Payment Options") [18](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.)

### RiskCube

- Multi-insurer quote comparisons [26](https://riskcubeai.com/ "Startup Business Insurance") [29](https://riskcubeai.com/terms "Terms of Service") [28](https://riskcubeai.com/disclosures "Disclosures & Compensation") [30](https://riskcubeai.com/insurance "Startup Insurance Coverage") (Evidence: Company-reported; scope: Official public RiskCube materials reviewed on September 16, 2026; company statements, not independent regulatory or policy verification.; verified: 2026-09-16.)
- Policy, COI and renewal management [26](https://riskcubeai.com/ "Startup Business Insurance") [29](https://riskcubeai.com/terms "Terms of Service") (Evidence: Company-reported; scope: Official public RiskCube materials reviewed on September 16, 2026; company statements, not independent regulatory or policy verification.; verified: 2026-09-16.)

## Coverage Comparison

| Coverage Type | Pie Insurance | RiskCube |
| --- | --- | --- |
| Business owner’s policy | Listed [7](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner’s Policy") | Not listed |
| Crime | Not listed | Listed [30](https://riskcubeai.com/insurance "Startup Insurance Coverage") |
| Cyber liability | Listed [8](https://www.pieinsurance.com/small-business-insurance/cyber-insurance "Cyber Insurance For Small Businesses") | Listed [30](https://riskcubeai.com/insurance "Startup Insurance Coverage") |
| Directors and officers | Not listed | Listed [30](https://riskcubeai.com/insurance "Startup Insurance Coverage") |
| Employment practices liability | Not listed | Listed [30](https://riskcubeai.com/insurance "Startup Insurance Coverage") |
| Fiduciary liability | Not listed | Listed [30](https://riskcubeai.com/insurance "Startup Insurance Coverage") |
| General liability | Listed [10](https://www.pieinsurance.com/small-business-insurance/general-liability "General Liability Insurance") | Listed [30](https://riskcubeai.com/insurance "Startup Insurance Coverage") |
| Generative AI liability | Not listed | Listed [30](https://riskcubeai.com/insurance "Startup Insurance Coverage") |
| Key person | Not listed | Listed [34](https://riskcubeai.com/insurance/life-insurance "Key Person Life Insurance for Startups") |
| Professional liability / E&O | Listed [9](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors And Omissions Insurance") | Not listed |
| Technology errors and omissions | Not listed | Listed [32](https://riskcubeai.com/insurance/tech-eo "Technology Errors and Omissions (E&O) Insurance") |
| Umbrella and excess liability | Not listed | Listed [32](https://riskcubeai.com/insurance/tech-eo "Technology Errors and Omissions (E&O) Insurance") |
| Workers’ compensation | Listed [3](https://www.pieinsurance.com/workers-comp "Workers’ Comp Insurance For Small Businesses") | Not listed |

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 Pie Insurance and RiskCube

### Payroll Underwriting and Technology Underwriting

Pie asks workers' compensation applicants for business location, payroll and class-code information. RiskCube's technology E&O guidance asks about products, customers, revenue and contracts. A startup cannot replace one set of answers with the other: employee duties and payroll need to be represented alongside the liabilities created by the product it sells. [3](https://www.pieinsurance.com/workers-comp "Workers’ Comp Insurance For Small Businesses") [6](https://quote.pieinsurance.com/ "Pie Insurance — Quote") [32](https://riskcubeai.com/insurance/tech-eo "Technology Errors and Omissions (E&O) Insurance")

Pie provides both direct and agent routes. RiskCube's catalogue does not establish a workers' compensation offering in the reviewed public documentation, which is a research limit rather than proof that the broker cannot help. Ask whether the account will have a separate workers' compensation producer and how the two service relationships will coordinate. [2](https://www.pieinsurance.com/about "About Pie Insurance") [30](https://riskcubeai.com/insurance "Startup Insurance Coverage")

### Payroll-Based Payment Does Not Remove the Audit

Pie markets pay-as-you-go using reported payroll with no initial deposit. It also requires an annual audit reconciling estimated and actual payroll and may seek employee, expense and subcontractor records. A growing headcount therefore needs a reporting owner even when monthly billing follows payroll. RiskCube's general policy and renewal tools do not establish that they perform this Pie-specific payroll workflow. [18](https://www.pieinsurance.com/pay-as-you-go "Pay-As-You-Go With Pie Insurance") [19](https://www.pieinsurance.com/workers-comp/premium-audit "Your Workers’ Comp Premium Audit") [26](https://riskcubeai.com/ "Startup Business Insurance")

Compare payment costs separately from insurance limits. Pie discloses a card fee for specified new single-state policies and state-dependent waiver charges. RiskCube's disclosed service and payment charges are a different category, and its fee-free marketing needs transaction-specific clarification. Neither set of public terms produces a comparable all-in premium for this startup. [17](https://www.pieinsurance.com/payment-options "Payment Options") [16](https://www.pieinsurance.com/workers-comp/resources/frequently-asked-questions "Workers’ Comp FAQs") [28](https://riskcubeai.com/disclosures "Disclosures & Compensation") [26](https://riskcubeai.com/ "Startup Business Insurance")

### Do Not Extend the Workers' Compensation Carrier to Other Lines

Pie identifies affiliated carriers for workers' compensation, while its BOP, general liability and professional-liability offers use outside insurers and its cyber page refers to partners. Those pages do not identify the current issuer for each buyer. RiskCube likewise needs to name the insurer in its proposal. Combining purchases under one brand does not establish one claims department or policy form. [5](https://www.pieinsurance.com/legal "Legal") [8](https://www.pieinsurance.com/small-business-insurance/cyber-insurance "Cyber Insurance For Small Businesses") [29](https://riskcubeai.com/terms "Terms of Service")

Pie also says it stopped new and renewal commercial-auto issuance in 2026. Legacy auto claims information should not be treated as a current vehicle quote route. For a company adding delivery or field vehicles, obtain a separate placement answer instead of extrapolating from an old policy or help page. [14](https://www.pieinsurance.com/claims/comm-auto-faq "Commercial Auto Claim FAQs")

## What to Confirm in Quotes

- Which employee duties, states and payroll reporting process does the workers' compensation proposal accept? Pie's public footprint counts are inconsistent, so use the current account-level quote. [11](https://www.pieinsurance.com/agency/states-we-serve "Workers’ Comp Coverage By State") [13](https://www.pieinsurance.com/resource-center/press/2025-year-in-review "Pie Insurance Reports Strong 2025") [3](https://www.pieinsurance.com/workers-comp "Workers’ Comp Insurance For Small Businesses")
- Who prepares the annual audit and obtains any customer-required waiver, with what charge? [19](https://www.pieinsurance.com/workers-comp/premium-audit "Your Workers’ Comp Premium Audit") [16](https://www.pieinsurance.com/workers-comp/resources/frequently-asked-questions "Workers’ Comp FAQs")
- Who receives workplace-injury notice versus a technology-liability claim, and which insurer is responsible for each? [20](https://www.pieinsurance.com/claims "File Your Claim Within 24 Hours") [31](https://riskcubeai.com/faq "Startup Insurance FAQ")
- Which requested lines remain outside the workers' compensation placement and need another broker or insurer? [5](https://www.pieinsurance.com/legal "Legal") [30](https://riskcubeai.com/insurance "Startup Insurance Coverage")



## Service Comparison

Pie Insurance vs RiskCube: documented services and availability.

| Criteria | Pie Insurance | RiskCube |
| --- | --- | --- |
| Business role | 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. [2](https://www.pieinsurance.com/about "About Pie Insurance") [5](https://www.pieinsurance.com/legal "Legal") [3](https://www.pieinsurance.com/workers-comp "Workers’ Comp Insurance For Small Businesses") [7](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner’s Policy") [8](https://www.pieinsurance.com/small-business-insurance/cyber-insurance "Cyber Insurance For Small Businesses") [9](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors And Omissions Insurance") [10](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. [4](https://www.pieinsurance.com/legal/terms-of-use "Terms Of Use") [24](https://insurance.illinois.gov/applications/RegEntPortal/ViewEntityDetails.aspx?en=982281&s=Active&t=INS "Pie Casualty Insurance Company — Entity Details") [22](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. [5](https://www.pieinsurance.com/legal "Legal") [25](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.) | RiskCube offers startup insurance brokerage through RiskCube Insurance Services, LLC. Its parent, RiskCube, Inc., supplies the platform and operational support; third-party insurers issue coverage. [29](https://riskcubeai.com/terms "Terms of Service") [28](https://riskcubeai.com/disclosures "Disclosures & Compensation") (Evidence: Company-reported; scope: Official public RiskCube materials reviewed on September 16, 2026; company statements, not independent regulatory or policy verification.; verified: 2026-09-16.) |
| Access to insurers | Pie says workers’ compensation is underwritten by The Pie Insurance Company (NAIC 21857) and affiliates. AM Best says Pie began writing all of that business through The Pie Insurance Company and Pie Casualty Insurance Company (NAIC 10997) on January 1, 2024. [5](https://www.pieinsurance.com/legal "Legal") [22](https://ratings.ambest.com/DisclosurePDF.aspx?AMBNum=12272&PCA=0 "AM Best Rating Disclosure Report — Pie Casualty Insurance Company") [23](https://insurance.mo.gov/find-insurance-company/company-details?id=104347111 "The Pie Insurance Company — Company Details") [24](https://insurance.illinois.gov/applications/RegEntPortal/ViewEntityDetails.aspx?en=982281&s=Active&t=INS "Pie Casualty Insurance Company — Entity Details") (Evidence: Verified; scope: Pie’s workers’ compensation program; the actual declarations page controls the issuing insurer for a specific policy and state.; verified: 2026-09-15.)<br><br>AM Best affirmed Pie Casualty Insurance Company’s pooled A- (Excellent) financial strength rating with a Stable outlook, effective April 24, 2026. A rating is an opinion of insurer financial strength, not a guarantee that a claim is covered or paid. [22](https://ratings.ambest.com/DisclosurePDF.aspx?AMBNum=12272&PCA=0 "AM Best Rating Disclosure Report — Pie Casualty Insurance Company") (Evidence: Verified; scope: Pie Casualty Insurance Company and the consolidated Pie Insurance Group rating unit as identified in the disclosure report.; verified: 2026-09-15.)<br><br>Pie says business owner’s, general liability and professional liability policies are underwritten by unaffiliated third-party insurers, and its cyber page refers to carrier partners. The reviewed public pages do not name the currently participating insurers for these products. [5](https://www.pieinsurance.com/legal "Legal") [7](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner’s Policy") [8](https://www.pieinsurance.com/small-business-insurance/cyber-insurance "Cyber Insurance For Small Businesses") [9](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors And Omissions Insurance") [10](https://www.pieinsurance.com/small-business-insurance/general-liability "General Liability Insurance") (Evidence: Not publicly disclosed; scope: Current public BOP, cyber, general-liability and professional-liability/E&O pages; account-specific carrier access was not tested.; verified: 2026-09-15.) | RiskCube says it compares multiple insurers. Its terms permit placements through surplus-lines channels; the reviewed legal disclosures and catalogue do not identify the issuing insurer for a specific California applicant. [26](https://riskcubeai.com/ "Startup Business Insurance") [29](https://riskcubeai.com/terms "Terms of Service") [28](https://riskcubeai.com/disclosures "Disclosures & Compensation") [30](https://riskcubeai.com/insurance "Startup Insurance Coverage") (Evidence: Company-reported; scope: Official public RiskCube materials reviewed on September 16, 2026; company statements, not independent regulatory or policy verification.; verified: 2026-09-16.) |
| Application process | 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. [2](https://www.pieinsurance.com/about "About Pie Insurance") [1](https://www.pieinsurance.com/ "Pie Insurance") [3](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. [6](https://quote.pieinsurance.com/ "Pie Insurance — Quote") [3](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. [3](https://www.pieinsurance.com/workers-comp "Workers’ Comp Insurance For Small Businesses") [1](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.) | RiskCube describes one digital intake followed by AI-assisted and broker-reviewed quote comparison and digital purchase. The public application URL reviewed displayed a contact form rather than a complete underwriting flow. [26](https://riskcubeai.com/ "Startup Business Insurance") [36](https://riskcubeai.com/apply "Contact RiskCube") (Evidence: Company-reported; scope: Official public RiskCube materials reviewed on September 16, 2026; company statements, not independent regulatory or policy verification.; verified: 2026-09-16.)<br><br>For technology E&O, RiskCube asks for product, customer, revenue and contract details, plus prior claims or known incidents. It qualifies its advertised quote timing by risk profile and underwriting complexity. [32](https://riskcubeai.com/insurance/tech-eo "Technology Errors and Omissions (E&O) Insurance") (Evidence: Company-reported; scope: Official public RiskCube materials reviewed on September 16, 2026; company statements, not independent regulatory or policy verification.; verified: 2026-09-16.)<br><br>RiskCube’s terms say quotes are not binders: written confirmation from the insurer or its authorized representative and required conditions must be satisfied before coverage is bound. [29](https://riskcubeai.com/terms "Terms of Service") (Evidence: Company-reported; scope: Official public RiskCube materials reviewed on September 16, 2026; company statements, not independent regulatory or policy verification.; verified: 2026-09-16.) |
| Servicing and renewals | Pie’s policyholder account tutorial describes payment-method updates, instant or custom workers’ compensation certificates, policy details and downloads for policies, state posters, certificates and endorsements. Agent-served customers may need their agent for a custom certificate. [15](https://www.pieinsurance.com/resource-center/online-account-tutorial "Online Account Tutorial") [16](https://www.pieinsurance.com/workers-comp/resources/frequently-asked-questions "Workers’ Comp FAQs") (Evidence: Company-reported; scope: Published workers’ compensation account tutorial; authenticated features were not accessed or independently tested.; verified: 2026-09-15.)<br><br>Pie requires an annual workers’ compensation premium audit that replaces estimated payroll with actual payroll information. Its audit partner may request payroll and employee records, cash-expense details and subcontractor certificates, so the final premium can differ from the initial estimate. [19](https://www.pieinsurance.com/workers-comp/premium-audit "Your Workers’ Comp Premium Audit") (Evidence: Company-reported; scope: Pie workers’ compensation premium audit process; the page does not quantify any resulting additional charge or refund.; verified: 2026-09-15.)<br><br>Pie says it sends a workers’ compensation renewal quote about 30 days before the current term ends for the policyholder’s review and acceptance. [16](https://www.pieinsurance.com/workers-comp/resources/frequently-asked-questions "Workers’ Comp FAQs") (Evidence: Company-reported; scope: Workers’ compensation renewal timing in the policyholder FAQ; not a guarantee of renewal or unchanged terms.; verified: 2026-09-15.) | RiskCube describes platform access for policy management, certificate generation and renewal notifications. A certificate does not change coverage under its terms. [26](https://riskcubeai.com/ "Startup Business Insurance") [29](https://riskcubeai.com/terms "Terms of Service") (Evidence: Company-reported; scope: Official public RiskCube materials reviewed on September 16, 2026; company statements, not independent regulatory or policy verification.; verified: 2026-09-16.)<br><br>RiskCube says it reviews vendor insurance requirements and checks requested endorsements, including additional insured and waiver-of-subrogation language. Its terms warn that AI-assisted output can be incomplete or inaccurate. [31](https://riskcubeai.com/faq "Startup Insurance FAQ") [29](https://riskcubeai.com/terms "Terms of Service") (Evidence: Company-reported; scope: Official public RiskCube materials reviewed on September 16, 2026; company statements, not independent regulatory or policy verification.; verified: 2026-09-16.) |
| Fees and compensation | 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. [17](https://www.pieinsurance.com/payment-options "Payment Options") [18](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. [17](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. [16](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. [21](https://www.pieinsurance.com/agency/faq "Partner FAQ") [5](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.) | RiskCube’s homepage and FAQ advertise no added broker fees, but its compensation disclosure allows agreed service fees and payment-processing charges. It also describes insurer or intermediary commissions and possible performance incentives. The scope of the fee-free claim needs written clarification for the requested services. [26](https://riskcubeai.com/ "Startup Business Insurance") [31](https://riskcubeai.com/faq "Startup Insurance FAQ") [28](https://riskcubeai.com/disclosures "Disclosures & Compensation") (Evidence: Conflicting sources; scope: Marketing/legal disclosure tension; not a finding that any individual client has been charged an undisclosed fee. No specific commission rate or service fee schedule established.; verified: 2026-09-16.) |

## Related Reading

- [What Is Pie Insurance?](https://spot.insure/insurance-providers/pie-insurance)
- [What Is RiskCube Insurance?](https://spot.insure/insurance-providers/riskcube)

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- [Layr vs Pie Insurance](https://spot.insure/compare/layr-vs-pie-insurance)
- [Layr vs RiskCube](https://spot.insure/compare/layr-vs-riskcube)
- [Lockton vs Pie Insurance](https://spot.insure/compare/lockton-vs-pie-insurance)
- [Lockton vs RiskCube](https://spot.insure/compare/lockton-vs-riskcube)
- [Marsh vs Pie Insurance](https://spot.insure/compare/marsh-vs-pie-insurance)
- [Marsh vs RiskCube](https://spot.insure/compare/marsh-vs-riskcube)
- [Mylo vs Pie Insurance](https://spot.insure/compare/mylo-vs-pie-insurance)
- [Mylo vs RiskCube](https://spot.insure/compare/mylo-vs-riskcube)
- [Newfront vs Pie Insurance](https://spot.insure/compare/newfront-vs-pie-insurance)
- [Newfront vs RiskCube](https://spot.insure/compare/newfront-vs-riskcube)
- [ERGO NEXT Insurance vs Pie Insurance](https://spot.insure/compare/next-insurance-vs-pie-insurance)
- [ERGO NEXT Insurance vs RiskCube](https://spot.insure/compare/next-insurance-vs-riskcube)
- [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 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)
- [Relm Insurance vs RiskCube](https://spot.insure/compare/relm-vs-riskcube)
- [Resilience vs RiskCube](https://spot.insure/compare/resilience-vs-riskcube)
- [RiskCube vs Risklytics Insurance](https://spot.insure/compare/riskcube-vs-risklytics)
- [RiskCube vs StartupInsurance.ai](https://spot.insure/compare/riskcube-vs-startupinsurance)
- [RiskCube vs TechInsurance](https://spot.insure/compare/riskcube-vs-techinsurance)
- [RiskCube vs The Hartford](https://spot.insure/compare/riskcube-vs-the-hartford)
- [RiskCube vs Travelers](https://spot.insure/compare/riskcube-vs-travelers)
- [RiskCube vs USI Insurance Services](https://spot.insure/compare/riskcube-vs-usi)
- [RiskCube vs Vouch](https://spot.insure/compare/riskcube-vs-vouch)
- [RiskCube vs WithCoverage](https://spot.insure/compare/riskcube-vs-withcoverage)

## Sources

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

1. [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.
2. [About Pie Insurance](https://www.pieinsurance.com/about). Pie Insurance; About Pie; direct and agency distribution; footer legal disclosure. Accessed 2026-09-15.
3. [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.
4. [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.
5. [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.
6. [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.
7. [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.
8. [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.
9. [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.
10. [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.
11. [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.
12. [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.
13. [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.
14. [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.
15. [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.
16. [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.
17. [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.
18. [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.
19. [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.
20. [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.
21. [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.
22. [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.
23. [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.
24. [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.
25. [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.

### [RiskCube Official Website](https://riskcubeai.com/)

26. [Startup Business Insurance](https://riskcubeai.com/). RiskCube; Solution; Compare/Buy/Manage; Who we insure; footer. Accessed 2026-09-16.
27. [Licenses & Disclosures](https://riskcubeai.com/licenses). RiskCube; Property & Casualty Producer/Broker Licenses; February 11, 2026 version. Accessed 2026-09-16.
28. [Disclosures & Compensation](https://riskcubeai.com/disclosures). RiskCube; Sections 1–5; February 11, 2026 version. Accessed 2026-09-16.
29. [Terms of Service](https://riskcubeai.com/terms). RiskCube; Who We Are; sections 5, 9, 10 and 19; February 11, 2026 version. Accessed 2026-09-16.
30. [Startup Insurance Coverage](https://riskcubeai.com/insurance). RiskCube; All coverage types. Accessed 2026-09-16.
31. [Startup Insurance FAQ](https://riskcubeai.com/faq). RiskCube; Getting Started; Industries & Eligibility; Certificates & Compliance; claim question. Accessed 2026-09-16.
32. [Technology Errors and Omissions (E&O) Insurance](https://riskcubeai.com/insurance/tech-eo). RiskCube; Introduction; application FAQ; AI & enterprise risk. Accessed 2026-09-16.
33. [Credit Insurance for Startups](https://riskcubeai.com/insurance/credit-insurance). RiskCube; Introduction; coverage exclusions; closing placement invitation. Accessed 2026-09-16.
34. [Key Person Life Insurance for Startups](https://riskcubeai.com/insurance/life-insurance). RiskCube; Introduction; timing FAQ; closing placement invitation. Accessed 2026-09-16.
35. [Key Person Life Insurance Notice](https://riskcubeai.com/key-person-notice). RiskCube; Sections 2–6; June 23, 2026 version. Accessed 2026-09-16.
36. [Contact RiskCube](https://riskcubeai.com/apply). RiskCube; Talk to a licensed insurance expert; Contact form (served at application URL). Accessed 2026-09-16.
37. [Contact RiskCube](https://riskcubeai.com/insurance/ai). RiskCube; Contact form served at AI Insurance URL. Accessed 2026-09-16.

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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