---
title: "Pie Insurance vs TechInsurance: Workers’ Compensation Insurance"
description: "Pie underwrites workers’ comp through its own A- rated carrier group and lists policy exclusions; TechInsurance arranges coverage and reports a $54 monthly median."
canonical: "https://spot.insure/compare/pie-insurance-vs-techinsurance/workers-compensation"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "pie-insurance-vs-techinsurance"
provider-a: "pie-insurance"
provider-b: "techinsurance"
coverage-line: "workers-compensation"
---

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

## Agent Guide

**What this page is:** Focused comparison of Pie Insurance and TechInsurance 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 TechInsurance. 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 TechInsurance for Workers’ Compensation Insurance: how do they differ?
- Which is better for Workers’ Compensation Insurance, Pie Insurance or TechInsurance?
- What does Pie Insurance or TechInsurance publish about Workers’ Compensation Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Workers’ Compensation Insurance. Providers: Pie Insurance and TechInsurance.
- 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 TechInsurance](https://spot.insure/compare/pie-insurance-vs-techinsurance) — 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
- [TechInsurance profile](https://spot.insure/insurance-providers/techinsurance) — provider profile

# 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 issues workers’ comp through its A- rated carrier group; TechInsurance arranges coverage and reports a median price.

## Pie Insurance vs TechInsurance Workers’ Compensation Insurance Summary

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](https://www.pieinsurance.com/workers-comp "Workers' Comp Insurance for Small Businesses") [3](https://www.techinsurance.com/workers-compensation-insurance "Workers' Compensation Insurance – Compare Quotes")

## 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](https://ratings.ambest.com/DisclosurePDF.aspx?AMBNum=12272&PCA=0 "AM Best Rating Disclosure Report — Pie Casualty Insurance Company") TechInsurance instead arranges the line for small businesses without naming an insurer, aside from noting four states that require a state fund. [3](https://www.techinsurance.com/workers-compensation-insurance "Workers' Compensation Insurance – Compare Quotes")

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](https://ratings.ambest.com/DisclosurePDF.aspx?AMBNum=12272&PCA=0 "AM Best Rating Disclosure Report — Pie Casualty Insurance Company")

### 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. [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..)

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](https://www.techinsurance.com/workers-compensation-insurance "Workers' Compensation Insurance – Compare Quotes")

### Published Cost vs. Advertised Savings

TechInsurance publishes an absolute figure, a median of $54 a month for its policyholders. [3](https://www.techinsurance.com/workers-compensation-insurance "Workers' Compensation Insurance – Compare Quotes") 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](https://www.pieinsurance.com/workers-comp "Workers' Comp Insurance for Small Businesses")

## 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](https://www.techinsurance.com/workers-compensation-insurance "Workers' Compensation Insurance – Compare Quotes")
- Verify Pie's advertised savings of up to 30% against your own prior premium rather than a general marketing figure. [1](https://www.pieinsurance.com/workers-comp "Workers' Comp Insurance for Small Businesses")
- 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](https://www.techinsurance.com/workers-compensation-insurance "Workers' Compensation Insurance – Compare Quotes") [2](https://ratings.ambest.com/DisclosurePDF.aspx?AMBNum=12272&PCA=0 "AM Best Rating Disclosure Report — Pie Casualty Insurance Company")
- Ask TechInsurance whether a pay-as-you-go or minimum-premium structure is available for your account. [3](https://www.techinsurance.com/workers-compensation-insurance "Workers' Compensation Insurance – Compare Quotes")

## Pie Insurance vs TechInsurance Workers’ Compensation Compared

| 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. [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..) | 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. [3](https://www.techinsurance.com/workers-compensation-insurance "Workers' Compensation Insurance – Compare Quotes") (Evidence: Company-reported; scope: 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. [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 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. [3](https://www.techinsurance.com/workers-compensation-insurance "Workers' Compensation Insurance – Compare Quotes") (Evidence: Company-reported; scope: 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. [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..) | 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. [3](https://www.techinsurance.com/workers-compensation-insurance "Workers' Compensation Insurance – Compare Quotes") (Evidence: Company-reported; scope: 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. [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..) | 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. [3](https://www.techinsurance.com/workers-compensation-insurance "Workers' Compensation Insurance – Compare Quotes") (Evidence: Company-reported; scope: Workers' compensation product page..) |

## About Pie Insurance and TechInsurance and Workers’ Compensation

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

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

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

## Sources for Pie Insurance vs TechInsurance

### 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 TechInsurance

3. [Workers' Compensation Insurance – Compare Quotes](https://www.techinsurance.com/workers-compensation-insurance). TechInsurance; What does workers' compensation insurance cover? (emergency response, ongoing treatment, partial wages, employer's liability, death benefits); How much does workers' compensation insurance cost?; Are you legally required to carry workers' comp insurance?; Do sole proprietors and independent contractors need workers' compensation insurance?. 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

- [Markdown page](https://spot.insure/compare/pie-insurance-vs-techinsurance/workers-compensation.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)