Pie Insurance vs TechInsurance: How Do They Compare for Workers’ Compensation Insurance?

Pie Insurance quotes online from payroll and class-code details and underwrites workers' comp itself; TechInsurance arranges coverage for small businesses, reports a median of $54 a month, and has licensed agents to help.

Pie underwrites workers’ comp through its own A- rated carrier group and lists policy exclusions; TechInsurance arranges coverage and reports a $54 monthly median. ^1,³

What Are the Key Differences Between Pie Insurance and TechInsurance Workers’ Compensation Insurance?

Who Underwrites the Policy

Pie underwrites workers' compensation through its own carrier group, with an AM Best Financial Strength Rating of A- (Excellent) independently affirmed for that entity. ² TechInsurance instead arranges the line for small businesses without naming an insurer, aside from noting four states that require a state fund. ³

Choose Pie if you want a policy from its named, A- rated group and need to review exclusions; choose TechInsurance if a public price benchmark matters. ²

What Each Coverage Description Highlights

Pie's page highlights what the standard policy excludes:

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.

TechInsurance's page instead highlights what is included — emergency and ongoing medical treatment, partial wage replacement, employer's liability, and death benefits covering funeral costs and family support. ³

Published Cost vs. Advertised Savings

TechInsurance publishes an absolute figure, a median of $54 a month for its policyholders. ³ Pie instead advertises a relative figure — savings of up to 30% — alongside a roughly three-minute online quote built around a class-code lookup tool. ¹

What Should You Confirm in Pie Insurance and TechInsurance Workers’ Compensation Insurance Quotes?

Ask TechInsurance whether its $54 monthly median reflects your industry and payroll size, since the figure is a book-of-business average. ³
Verify Pie's advertised savings of up to 30% against your own prior premium rather than a general marketing figure. ¹
Ask both which insurer would issue your policy; TechInsurance names four monopolistic states without naming a private carrier, and Pie names its own carrier group directly. ³ ²
Ask TechInsurance whether a pay-as-you-go or minimum-premium structure is available for your account. ³

Pie Insurance vs TechInsurance Workers’ Compensation Compared

Pie Insurance vs TechInsurance: Workers’ Compensation Insurance: documented features by provider

Criteria	Pie Workers' Comp Insurance	TechInsurance 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.	TechInsurance says workers' comp requirements vary by state: most states require coverage once a business hires its first employee, Texas and South Dakota do not mandate it, and some states such as California require it for certain contractors even with no employees. ³Company-reported. Workers' compensation product page, Are you legally required to carry workers' comp insurance? section.
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 request workers' compensation quotes online through a short application; TechInsurance says licensed agents are available to help, and mentions pay-as-you-go and minimum-premium policy structures as options for very small businesses. ³Company-reported. Workers' compensation product page, How can I save money on workers' comp coverage? section.
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.	TechInsurance says workers' compensation covers emergency and ongoing medical treatment for work injuries and illnesses, partial wage replacement during recovery, employer's liability coverage for related lawsuits, and death benefits including funeral costs and family financial support. ³Company-reported. Workers' compensation product page; general policy description, not a specific policy form.
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.	TechInsurance arranges workers' compensation insurance for small businesses; the reviewed page describes it as a legally required policy in most states rather than a proprietary product. ³Company-reported. Workers' compensation product page.