---
title: "Pie Insurance vs StartupInsurance.ai"
description: "Pie’s payroll-based workers’ compensation and StartupInsurance.ai’s wider placement service answer different questions for a startup hiring field staff."
canonical: "https://spot.insure/compare/pie-insurance-vs-startupinsurance"
page-type: "provider-comparison"
updated-at: "2026-09-16"
verified-at: "2026-09-16"
entities: ["Spot", "Pie Insurance", "StartupInsurance.ai"]
---

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

# Pie Insurance vs StartupInsurance.ai

Pie’s payroll-based workers’ compensation and StartupInsurance.ai’s wider placement service answer different questions for a startup hiring field staff.

## Research Scope and Use

Use this comparison to evaluate Pie Insurance and StartupInsurance.ai 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 insurers write workers’ compensation, with selected other lines offered through outside partners. StartupInsurance.ai is ContractorNerd’s brokerage brand for startup and physical-risk placements. [5](https://www.pieinsurance.com/legal "Legal") [3](https://www.pieinsurance.com/workers-comp "Workers’ Comp Insurance For Small Businesses") [27](https://www.startupinsurance.ai/company/ "Company | Startup Insurance") [26](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review")



## Introduction

Hiring technicians alongside software engineers changes the questions a startup must answer about payroll and duties. Pie centers its offering on workers’ compensation written by affiliated insurers; StartupInsurance.ai markets a wider startup and physical-risk program through ContractorNerd. Compare the employee policy on its own terms before deciding who should coordinate the remaining coverages. [3](https://www.pieinsurance.com/workers-comp "Workers’ Comp Insurance For Small Businesses") [5](https://www.pieinsurance.com/legal "Legal") [27](https://www.startupinsurance.ai/company/ "Company | Startup Insurance") [26](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review")

## 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.)

### StartupInsurance.ai

- Free policy and contract review, with a company-stated 48-hour assessment. [27](https://www.startupinsurance.ai/company/ "Company | Startup Insurance") (Evidence: Company-reported; scope: Public company statements reviewed September 16, 2026; no customer transaction, policy or independent service verification.; verified: 2026-09-16.)
- Advertises physical-risk placements alongside startup liability coverage. [26](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") (Evidence: Company-reported; scope: Public company statements reviewed September 16, 2026; no customer transaction, policy or independent service verification.; verified: 2026-09-16.)

## Coverage Comparison

| Coverage Type | Pie Insurance | StartupInsurance.ai |
| --- | --- | --- |
| Builders risk | Not listed | Listed [26](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") |
| Business owner’s policy | Listed [7](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner’s Policy") | Not listed |
| Commercial auto | Not listed | Listed [26](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") |
| Commercial property | Not listed | Listed [26](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") |
| Crime | Not listed | Listed [26](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") |
| Cyber liability | Listed [8](https://www.pieinsurance.com/small-business-insurance/cyber-insurance "Cyber Insurance For Small Businesses") | Listed [26](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") |
| Directors and officers | Not listed | Listed [26](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") |
| Employment practices liability | Not listed | Listed [26](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") |
| Fiduciary liability | Not listed | Listed [26](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") |
| General liability | Listed [10](https://www.pieinsurance.com/small-business-insurance/general-liability "General Liability Insurance") | Listed [26](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") |
| Generative AI liability | Not listed | Listed [26](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") |
| Product liability | Not listed | Listed [26](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") |
| Professional liability / E&O | Listed [9](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors And Omissions Insurance") | Listed [26](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") |
| Surety bonds | Not listed | Listed [26](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") |
| Technology errors and omissions | Not listed | Listed [26](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") |
| Tools, equipment and inland marine | Not listed | Listed [26](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") |
| Umbrella and excess liability | Not listed | Listed [26](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") |
| Workers’ compensation | Listed [3](https://www.pieinsurance.com/workers-comp "Workers’ Comp Insurance For Small Businesses") | Listed [26](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") |

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 StartupInsurance.ai

### A Workers’ Compensation Product and a Program Coordinator

Pie sells directly and through agents, so selecting its workers’ compensation product need not mean replacing every other policy. StartupInsurance.ai advertises workers’ compensation but does not identify its issuer for a particular account. The records do not establish that ContractorNerd can place Pie; ask about access rather than assuming these are mutually exclusive choices or a documented partnership. [2](https://www.pieinsurance.com/about "About Pie Insurance") [26](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review")

Pie distinguishes its affiliated workers’ compensation insurers from outside partners for other lines. Its historical commercial-auto offering has stopped accepting new and renewal policies. A startup adding service vehicles therefore needs a separate current answer; StartupInsurance.ai lists auto as a placement category, subject to acceptance. [5](https://www.pieinsurance.com/legal "Legal") [14](https://www.pieinsurance.com/claims/comm-auto-faq "Commercial Auto Claim FAQs") [26](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review")

### Payroll Billing Does Not Eliminate the Audit

Pie describes pay-as-you-go billing based on reported payroll and no initial deposit. It also requires an annual premium audit using actual payroll and supporting records. Those are related but different processes: request a plan for recording job duties, payroll changes and subcontractor documentation throughout the year. [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")

StartupInsurance.ai’s public intake includes employees and financials, but the reviewed public documentation does not establish a comparable payroll integration or audit-service commitment. Ask whether the proposed insurer and broker support the reporting cadence the finance team needs; do not infer missing capabilities from the public starting screen. [28](https://quotes.startupinsurance.ai/ "Apply for Startup Insurance | StartupInsurance.ai")

### Confirm States and Injury Reporting Together

Pie’s published state counts and claim-handler split are not fully aligned across its pages. The appropriate question is whether each employee location and work classification is accepted, and which instructions apply to that policy. StartupInsurance.ai’s company license statement also does not establish workers’ compensation availability for every state. [11](https://www.pieinsurance.com/agency/states-we-serve "Workers’ Comp Coverage By State") [21](https://www.pieinsurance.com/agency/faq "Partner FAQ") [29](https://www.contractornerd.com/insurance-licenses/ "Insurance Licenses")

Pie publishes workplace-injury reporting channels; StartupInsurance.ai’s reviewed material does not set out dedicated startup claims instructions. Put the actual insurer’s reporting procedure into the hiring checklist, separate from routine certificate requests. [20](https://www.pieinsurance.com/claims "File Your Claim Within 24 Hours") [30](https://www.contractornerd.com/terms-and-conditions/ "Terms and Conditions")

## What to Confirm in Quotes

- **Payroll:** How are engineering and field duties classified, reported and reconciled at audit? [3](https://www.pieinsurance.com/workers-comp "Workers’ Comp Insurance For Small Businesses") [19](https://www.pieinsurance.com/workers-comp/premium-audit "Your Workers’ Comp Premium Audit")
- **Program boundaries:** Who places vehicles and other policies outside the workers’ compensation proposal? [14](https://www.pieinsurance.com/claims/comm-auto-faq "Commercial Auto Claim FAQs") [26](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review")
- **State kit:** Obtain accepted locations, the issuing insurer and the injury-reporting contact for each state. [5](https://www.pieinsurance.com/legal "Legal") [21](https://www.pieinsurance.com/agency/faq "Partner FAQ")



## Service Comparison

Pie Insurance vs StartupInsurance.ai: documented services and availability.

| Criteria | Pie Insurance | StartupInsurance.ai |
| --- | --- | --- |
| 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.) | StartupInsurance.ai identifies itself as a marketing brand of ContractorNerd Insurance Services, LLC. ContractorNerd describes its role as an insurance agent or broker, not an insurer; it does not underwrite the policies. [27](https://www.startupinsurance.ai/company/ "Company | Startup Insurance") [30](https://www.contractornerd.com/terms-and-conditions/ "Terms and Conditions") (Evidence: Company-reported; scope: Public company statements reviewed September 16, 2026; no customer transaction, policy or independent service verification.; verified: 2026-09-16.)<br><br>ContractorNerd’s licensing page assigns quotes, binding and insurance transactions to ContractorNerd Insurance Services, LLC, with servicing supported by its licensed agents and partners. Its terms allow submissions through insurers and intermediaries. Confirm the producer-of-record arrangement for your StartupInsurance.ai placement. [29](https://www.contractornerd.com/insurance-licenses/ "Insurance Licenses") [30](https://www.contractornerd.com/terms-and-conditions/ "Terms and Conditions") (Evidence: Company-reported; scope: Public company statements reviewed September 16, 2026; no customer transaction, policy or independent service 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.) | The homepage names Hartford, Chubb, Coalition, Tokio Marine HCC, Travelers and CNA. These brand references do not establish your issuing legal insurer, product access or policy terms. [26](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") (Evidence: Company-reported; scope: Public company statements reviewed September 16, 2026; no customer transaction, policy or independent service 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.) | The online intake starts with coverage choices and shows subsequent sections for company details, financials, employees, claims, existing insurance and signature. Its initial choices are D&O, cyber, technology E&O, employment practices, fiduciary, crime and general liability. Only the public starting screen was inspected; quote delivery and binding were not tested. [28](https://quotes.startupinsurance.ai/ "Apply for Startup Insurance | StartupInsurance.ai") (Evidence: Company-reported; scope: Public company statements reviewed September 16, 2026; no customer transaction, policy or independent service 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.) | The company offers a free review of existing policies and a customer contract, promising a written assessment of AI exclusions and contract gaps within 48 hours. That timing and the review’s completeness have not been independently tested. [27](https://www.startupinsurance.ai/company/ "Company | Startup Insurance") (Evidence: Company-reported; scope: Public company statements reviewed September 16, 2026; no customer transaction, policy or independent service verification.; verified: 2026-09-16.)<br><br>The company advertises self-service certificates, centralized policy documents and renewal tracking. These operating services were not tested in an authenticated account. [26](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") (Evidence: Company-reported; scope: Public company statements reviewed September 16, 2026; no customer transaction, policy or independent service verification.; verified: 2026-09-16.) |
| Claims assistance | Pie asks policyholders to report a workplace injury within 24 hours through its online form, 24/7 phone line or email. After intake, it says a claims professional follows up, determines whether the policy covers the claim and explains applicable benefits if accepted. [20](https://www.pieinsurance.com/claims "File Your Claim Within 24 Hours") (Evidence: Company-reported; scope: Published first-report process for Pie-serviced workers’ compensation claims; state notice rules and the issuing carrier’s policy still apply.; verified: 2026-09-15.)<br><br>Pie’s agency FAQ says Pie manages workers’ compensation claims in 34 states and CorVel handles Alaska, Mississippi, Nevada, New Mexico and Oregon. That 39-state split is not reconciled with the separately advertised 40-state-plus-D.C. footprint. [21](https://www.pieinsurance.com/agency/faq "Partner FAQ") [11](https://www.pieinsurance.com/agency/states-we-serve "Workers’ Comp Coverage By State") [22](https://ratings.ambest.com/DisclosurePDF.aspx?AMBNum=12272&PCA=0 "AM Best Rating Disclosure Report — Pie Casualty Insurance Company") (Evidence: Conflicting sources; scope: Public allocation of workers’ compensation claim handling; the current handler for an individual policy should be taken from its state kit and claim instructions.; verified: 2026-09-15.) | The reviewed StartupInsurance.ai homepage and company page, plus ContractorNerd’s insurance-services terms, did not establish a dedicated claims-reporting process or an assigned claims advocate for startup policies. Obtain the insurer’s notice instructions and clarify the agency’s assistance; the public descriptions do not establish claims-handling quality. [26](https://www.startupinsurance.ai/ "Startup Insurance | Coverage that clears the review") [27](https://www.startupinsurance.ai/company/ "Company | Startup Insurance") [30](https://www.contractornerd.com/terms-and-conditions/ "Terms and Conditions") (Evidence: Not found in reviewed sources; scope: Scoped public-source absence; intake questions about past claims are not evidence of claims servicing.; verified: 2026-09-16.) |

## Related Reading

- [What Is Pie Insurance?](https://spot.insure/insurance-providers/pie-insurance)
- [What Is StartupInsurance.ai?](https://spot.insure/insurance-providers/startupinsurance)

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

### [StartupInsurance.ai Official Website](https://www.startupinsurance.ai/)

26. [Startup Insurance | Coverage that clears the review](https://www.startupinsurance.ai/). StartupInsurance.ai; Current live HTML: hero; What we place; The paperwork runs itself; carrier panel; Straight talk. Fresh direct fetch supersedes older browser-cached homepage.. Accessed 2026-09-16.
27. [Company | Startup Insurance](https://www.startupinsurance.ai/company/). StartupInsurance.ai; The story; founders; The free policy check; legal footer. Accessed 2026-09-16.
28. [Apply for Startup Insurance | StartupInsurance.ai](https://quotes.startupinsurance.ai/). StartupInsurance.ai; Initial coverage selection and seven-step navigation; no submission made. Accessed 2026-09-16.
29. [Insurance Licenses](https://www.contractornerd.com/insurance-licenses/). ContractorNerd; Company information; licensing status table, California row. Accessed 2026-09-16.
30. [Terms and Conditions](https://www.contractornerd.com/terms-and-conditions/). ContractorNerd; Sections 1, 2 and 2.A: agency role, submissions, servicing and compensation. Accessed 2026-09-16.
31. [Compensation Disclosure](https://www.contractornerd.com/compensation-disclosure/). ContractorNerd; Sections 2–9: transaction roles, commissions, buyer fees, contingent compensation and information requests. 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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