Pie Insurance vs 
Risklytics: How Do They Compare for Workers’ Compensation Insurance?
Risklytics places coverage with outside carriers through an online application and says it adds no extra fee on top of the premium; Pie Insurance writes workers' comp itself and quotes online from payroll and class-code details.
Pie underwrites workers’ comp through its own carrier group; Risklytics places the line with specialist insurers for robotics, autonomy and AI businesses. 2,4
What Are the Key Differences Between Pie Insurance and Risklytics Workers’ Compensation Insurance?
Underwriting Itself vs. Placing with Specialist Carriers
Pie underwrites this line rather than only brokering it:
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. 1Company-reported. Workers' Comp product page as read on 2026-09-23; restates the provider record's verified insurer-route fact.
Risklytics instead places the line through a producer Risklytics describes as licensed with insurers it says are willing to write robotics, autonomy and AI risk, without underwriting the policy itself. 4
Choose Pie if you want a policy issued through its own carrier group; choose Risklytics if your operation is in robotics, autonomy or AI. 4
How Each Page Frames Eligibility
Risklytics says the coverage is required in most states once a company has its first employee, and notes states differ on whether founders and officers can exclude themselves. 3 Pie's page instead describes eligibility more broadly, saying the coverage is legally required in nearly all states with few exceptions, without addressing officer self-exclusion. 1
How You Get a Quote
Pie advertises a roughly three-minute online quote built around a class-code lookup tool, plus savings of up to 30%. 1 Risklytics instead describes an online application with no broker fee on top of the premium, since its commission comes from the carrier either way. 5
What Should You Confirm in Pie Insurance and Risklytics Workers’ Compensation Insurance Quotes?
- Ask Risklytics to name the specific insurer for your quote, since its page describes carrier appetite generally without naming one. 4
- Ask Pie whether your payroll and class code were verified against the illustrative online quote, since a post-term premium audit compares estimates to actuals. 1
- If your business is outside robotics, autonomy or AI, confirm Risklytics' standard carrier options still apply to you. 4
- Confirm how your state treats founders or officers who want to exclude themselves from coverage, since Risklytics notes this varies and Pie's page does not address it. 3
Pie Insurance vs Risklytics Workers’ Compensation Insurance Compared
Pie Insurance vs Risklytics: Workers’ Compensation Insurance: documented features by provider
| Criteria | Pie Workers' Comp Insurance | Risklytics Workers' Compensation Insurance |
|---|---|---|
| Who It’s For | Pie says workers' compensation is legally required in nearly all states for businesses with few exceptions, and markets its program to small businesses. 1Company-reported. Workers' Comp product page as read on 2026-09-23. | Risklytics says the coverage is required by law in most states once a company has its first employee, and notes states differ on whether founders and officers can exclude themselves. 3Company-reported. Lines page. |
| How to Apply | Pie says getting a quote online requires the applicant's name, business name, annual payroll amount, and class-code information, with a tool available to help identify the correct class code, and advertises a roughly three-minute online quote and up to 30% savings. 1Company-reported. Workers' Comp product page as read on 2026-09-23; quote time and savings figures are company marketing claims, not independently verified, and individual results vary. | You start Risklytics Workers' Compensation Insurance through Risklytics' online application. Risklytics says there is no broker fee on top of the premium and a licensed producer stays on the file until the program binds; its commission is paid by the carrier out of the premium either way. 5,4Company-reported. Pricing page describes the general application and fee process, not a line-specific form. |
| Coverage Features | 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. 1Company-reported. Workers' Comp product page as read on 2026-09-23; actual covered/excluded scenarios depend on the issued policy and state law. | Risklytics describes Workers' Compensation as paying an injured employee's medical bills and part of their wages, citing a technician straining their back and a field installer falling from a ladder at a customer site as examples, and distinguishes it from general liability, which would answer a customer's own employee being hurt instead. 3Company-reported. Lines page; the issued policy and declarations control actual coverage. |
| Role in This Line | 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. 1Company-reported. Workers' Comp product page as read on 2026-09-23; restates the provider record's verified insurer-route fact. | Risklytics Insurance Services is a licensed insurance producer (NPN 22311838) that places Risklytics Workers' Compensation Insurance with outside carriers; it says it does not underwrite policies itself. 4Company-reported. About page; describes Risklytics' brokerage model generally, restated for this line. |
| Issuing Insurer | 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. 2Verified. 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. | Risklytics does not name the carrier that underwrites Risklytics Workers' Compensation Insurance on its site. It says it places business with specialist insurers willing to write robotics, autonomy and AI risk; the issuing carrier appears on the bound policy. 3,4Company-reported. Lines page and about page; no specific insurer is published for this line. |
| Risk Services | 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. 1Company-reported. Workers' Comp product page FAQ as read on 2026-09-23. | Risklytics calls workers' compensation easy to get, since it is legally required and priced from the client's payroll and job classifications. 3Company-reported. Lines page. |
