---
title: "Pie Insurance vs Risklytics: Workers’ Compensation Insurance"
description: "Pie underwrites workers’ comp through its own carrier group; Risklytics places the line with specialist insurers for robotics, autonomy and AI businesses."
canonical: "https://spot.insure/compare/pie-insurance-vs-risklytics/workers-compensation"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "pie-insurance-vs-risklytics"
provider-a: "pie-insurance"
provider-b: "risklytics"
coverage-line: "workers-compensation"
---

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

## Agent Guide

**What this page is:** Focused comparison of Pie Insurance and Risklytics 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 Pie Insurance versus Risklytics. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

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

**Key facts:**
- Line: Workers’ Compensation Insurance. Providers: Pie Insurance and Risklytics.
- 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 2026-09-25.

**Related pages:**
- [Pie Insurance vs Risklytics](https://spot.insure/compare/pie-insurance-vs-risklytics) — all coverage lines for this pair
- [Workers’ Compensation Insurance guide](https://spot.insure/coverage/workers-compensation) — how this coverage works
- [Pie Insurance profile](https://spot.insure/insurance-providers/pie-insurance) — provider profile
- [Risklytics profile](https://spot.insure/insurance-providers/risklytics) — provider profile

# 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 issues the policy through its carrier group; Risklytics places technology risks with specialist insurers.

## Pie Insurance vs Risklytics Workers’ Compensation Insurance Summary

Pie underwrites workers’ comp through its own carrier group; Risklytics places the line with specialist insurers for robotics, autonomy and AI businesses. [2](https://ratings.ambest.com/DisclosurePDF.aspx?AMBNum=12272&PCA=0 "AM Best Rating Disclosure Report — Pie Casualty Insurance Company") [4](https://www.risklytics.ai/about/ "About Risklytics: who we are")

## 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. [1](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..)

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](https://www.risklytics.ai/about/ "About Risklytics: who we are")

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](https://www.risklytics.ai/about/ "About Risklytics: who we are")

### 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](https://www.risklytics.ai/lines/workers-comp/ "Workers' Compensation Insurance") 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](https://www.pieinsurance.com/workers-comp "Workers' Comp Insurance for Small Businesses")

### 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](https://www.pieinsurance.com/workers-comp "Workers' Comp Insurance for Small Businesses") 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](https://www.risklytics.ai/pricing/ "How pricing and broker fees work")

## 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](https://www.risklytics.ai/about/ "About Risklytics: who we are")
- 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](https://www.pieinsurance.com/workers-comp "Workers' Comp Insurance for Small Businesses")
- If your business is outside robotics, autonomy or AI, confirm Risklytics' standard carrier options still apply to you. [4](https://www.risklytics.ai/about/ "About Risklytics: who we are")
- 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](https://www.risklytics.ai/lines/workers-comp/ "Workers' Compensation Insurance")

## Pie Insurance vs Risklytics Workers’ Compensation Insurance Compared

| 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. [1](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..) | 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. [3](https://www.risklytics.ai/lines/workers-comp/ "Workers' Compensation Insurance") (Evidence: Company-reported; scope: 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. [1](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; 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](https://www.risklytics.ai/pricing/ "How pricing and broker fees work") [4](https://www.risklytics.ai/about/ "About Risklytics: who we are") (Evidence: Company-reported; scope: 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. [1](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..) | 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. [3](https://www.risklytics.ai/lines/workers-comp/ "Workers' Compensation Insurance") (Evidence: Company-reported; scope: 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. [1](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..) | 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. [4](https://www.risklytics.ai/about/ "About Risklytics: who we are") (Evidence: Company-reported; scope: 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. [2](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..) | 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](https://www.risklytics.ai/lines/workers-comp/ "Workers' Compensation Insurance") [4](https://www.risklytics.ai/about/ "About Risklytics: who we are") (Evidence: Company-reported; scope: 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. [1](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..) | Risklytics calls workers' compensation easy to get, since it is legally required and priced from the client's payroll and job classifications. [3](https://www.risklytics.ai/lines/workers-comp/ "Workers' Compensation Insurance") (Evidence: Company-reported; scope: Lines page..) |

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

- [Pie Insurance company profile](https://spot.insure/insurance-providers/pie-insurance) · [Pie Insurance customer reviews](https://spot.insure/insurance-providers/pie-insurance/reviews)
- [Risklytics company profile](https://spot.insure/insurance-providers/risklytics) · [Risklytics customer reviews](https://spot.insure/insurance-providers/risklytics/reviews)
- [What Is Workers’ Compensation Insurance?](https://spot.insure/coverage/workers-compensation)

## Related Pages for Pie Insurance vs Risklytics Workers’ Compensation

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

## Sources for Pie Insurance vs Risklytics

### Sources About Pie Insurance

1. [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.
2. [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.

### Sources About Risklytics

3. [Workers' Compensation Insurance](https://www.risklytics.ai/lines/workers-comp/). Risklytics; Coverage line: Workers’ Compensation; Built for moments like these; When to buy; Who requires it; How hard to get; Common questions. Accessed 2026-09-23.
4. [About Risklytics: who we are](https://www.risklytics.ai/about/). Risklytics; “What we do”; Licensing: Risklytics Insurance Services, National Producer Number 22311838, resident license Massachusetts. Accessed 2026-09-23.
5. [How pricing and broker fees work](https://www.risklytics.ai/pricing/). Risklytics; Buying direct / Generic broker / Risklytics comparison table: no broker fee, commission paid by the carrier out of premium. Accessed 2026-09-23.

Updated 2026-09-25. 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

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