---
title: "Pie Insurance vs TechInsurance"
description: "Comparing a Pie workers’ compensation proposal with TechInsurance shopping when payroll is changing quickly."
canonical: "https://spot.insure/compare/pie-insurance-vs-techinsurance"
page-type: "provider-comparison"
updated-at: "2026-09-16"
verified-at: "2026-09-16"
entities: ["Spot", "Pie Insurance", "TechInsurance"]
---

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

# Pie Insurance vs TechInsurance

Comparing a Pie workers’ compensation proposal with TechInsurance shopping when payroll is changing quickly.

## Research Scope and Use

Use this comparison to evaluate Pie Insurance and TechInsurance 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 products offered through outside partners. TechInsurance is a brokerage route for workers’ compensation and broader small-business coverage, including technology E&O/cyber. [5](https://www.pieinsurance.com/legal "Legal") [3](https://www.pieinsurance.com/workers-comp "Workers’ Comp Insurance For Small Businesses") [27](https://www.techinsurance.com/about-us "About TechInsurance") [31](https://www.techinsurance.com/small-business-insurance "Small Business Insurance") [32](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions – Tech E&O Insurance")



## Introduction

A startup with uneven hiring plans may care as much about payroll reporting and audit work as the initial workers’ compensation premium. Pie offers a workers’ compensation program with pay-as-you-go options; TechInsurance offers brokerage shopping across workers’ compensation and other business lines. Ask how each proposed policy handles payroll changes before deciding whether to consolidate the account. [3](https://www.pieinsurance.com/workers-comp "Workers’ Comp Insurance For Small Businesses") [18](https://www.pieinsurance.com/pay-as-you-go "Pay-As-You-Go With Pie Insurance") [31](https://www.techinsurance.com/small-business-insurance "Small Business Insurance")

## 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.)

### TechInsurance

- One application to compare multiple insurance quotes [27](https://www.techinsurance.com/about-us "About TechInsurance") (Evidence: Company-reported; scope: Public application description; no application submitted or quote obtained.; verified: 2026-09-16.)
- Technology E&O and cyber coverage marketed together [32](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions – Tech E&O Insurance") (Evidence: Company-reported; scope: Direct technology E&O product page with quotation route; marketing description does not establish every carrier’s policy structure.; verified: 2026-09-16.)

## Coverage Comparison

| Coverage Type | Pie Insurance | TechInsurance |
| --- | --- | --- |
| Business owner’s policy | Listed [7](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner’s Policy") | Listed [31](https://www.techinsurance.com/small-business-insurance "Small Business Insurance") |
| Commercial auto | Not listed | Listed [26](https://www.techinsurance.com/ "Technology Business Insurance") |
| Commercial property | Not listed | Listed [31](https://www.techinsurance.com/small-business-insurance "Small Business Insurance") |
| Cyber liability | Listed [8](https://www.pieinsurance.com/small-business-insurance/cyber-insurance "Cyber Insurance For Small Businesses") | Listed [31](https://www.techinsurance.com/small-business-insurance "Small Business Insurance") |
| Directors and officers | Not listed | Listed [31](https://www.techinsurance.com/small-business-insurance "Small Business Insurance") |
| Employment practices liability | Not listed | Listed [31](https://www.techinsurance.com/small-business-insurance "Small Business Insurance") |
| Fidelity bonds | Not listed | Listed [31](https://www.techinsurance.com/small-business-insurance "Small Business Insurance") |
| General liability | Listed [10](https://www.pieinsurance.com/small-business-insurance/general-liability "General Liability Insurance") | Listed [31](https://www.techinsurance.com/small-business-insurance "Small Business Insurance") |
| Professional liability / E&O | Listed [9](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors And Omissions Insurance") | Listed [31](https://www.techinsurance.com/small-business-insurance "Small Business Insurance") |
| Surety bonds | Not listed | Listed [28](https://www.techinsurance.com/contact-us "Contact Us") |
| Technology errors and omissions | Not listed | Listed [32](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions – Tech E&O Insurance") |
| Tools, equipment and inland marine | Not listed | Listed [33](https://www.techinsurance.com/about-us/business-insurance-partners "Our Insurance Partners") |
| Umbrella and excess liability | Not listed | Listed [31](https://www.techinsurance.com/small-business-insurance "Small Business Insurance") |
| Workers’ compensation | Listed [3](https://www.pieinsurance.com/workers-comp "Workers’ Comp Insurance For Small Businesses") | Listed [31](https://www.techinsurance.com/small-business-insurance "Small Business Insurance") |

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 TechInsurance

### Payroll-Based Payments Still Need an Audit Plan

Pie describes pay-as-you-go payments based on reported payroll and no initial deposit. It separately requires an annual premium audit, with payroll, employee and subcontractor documentation potentially requested. A payment method tied to payroll should not be interpreted as eliminating reconciliation or the possibility that final premium differs. [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")

TechInsurance’s public workers’ compensation offering does not establish one payment or audit arrangement across insurers. Ask its broker to obtain the proposed carrier’s payroll-reporting requirements and compare them with Pie’s offer. The administrative burden depends on the actual payroll integration, employee classifications and record requests, not simply the intermediary’s name. [31](https://www.techinsurance.com/small-business-insurance "Small Business Insurance") [33](https://www.techinsurance.com/about-us/business-insurance-partners "Our Insurance Partners")

### Workers’ Compensation Paper and Other Coverage Are Distinct

Pie’s group carriers write its workers’ compensation, while its other marketed products use outside carrier partners. TechInsurance arranges coverage with insurance partners rather than identifying one insurer for all lines. A combined shopping exercise therefore still needs a policy-by-policy issuer and service map. [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") [33](https://www.techinsurance.com/about-us/business-insurance-partners "Our Insurance Partners")

A software company may also need technology E&O/cyber, which TechInsurance explicitly markets. Pie markets professional liability and cyber through partners, but those pages do not establish that a particular technology-services risk qualifies or receives the same combined wording. Ask for the actual proposed coverage rather than equating the product names. [9](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors And Omissions Insurance") [8](https://www.pieinsurance.com/small-business-insurance/cyber-insurance "Cyber Insurance For Small Businesses") [32](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions – Tech E&O Insurance")

### Multi-State Hiring Requires Current Confirmation

Pie’s public state counts and claims-handler descriptions are not fully consistent in the shared research. For employees in more than one state, obtain a current schedule and claim instructions for each jurisdiction. TechInsurance’s California sales route likewise does not establish acceptance for every employee location or class. [11](https://www.pieinsurance.com/agency/states-we-serve "Workers’ Comp Coverage By State") [21](https://www.pieinsurance.com/agency/faq "Partner FAQ") [12](https://www.pieinsurance.com/agency/document-library "Agency Document Library") [30](https://www.techinsurance.com/small-business-insurance/states/california "Small Business Insurance in California")

Pie’s published payment choices and card fees are workers’ compensation-specific. TechInsurance’s SPG disclosure concerns possible brokerage compensation. Compare both on a complete policy invoice with billing costs and commissions distinguished; neither a low deposit nor a free quote is the total annual expense. [17](https://www.pieinsurance.com/payment-options "Payment Options") [21](https://www.pieinsurance.com/agency/faq "Partner FAQ") [35](https://www.specialtyprogramgroup.com/compensation-disclosure/ "Compensation Disclosure")

## What to Confirm in Quotes

- Ask which payroll system, class codes and state allocations are accepted, and who gathers the year-end audit evidence. [19](https://www.pieinsurance.com/workers-comp/premium-audit "Your Workers’ Comp Premium Audit") [33](https://www.techinsurance.com/about-us/business-insurance-partners "Our Insurance Partners")
- Identify the workers’ compensation insurer and claim handler separately from any partner-issued E&O or cyber policy. [5](https://www.pieinsurance.com/legal "Legal") [21](https://www.pieinsurance.com/agency/faq "Partner FAQ") [32](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage "Technology Errors and Omissions – Tech E&O Insurance")
- Request total payments, deposits, transaction charges and any waiver-of-subrogation costs on the same payroll assumptions. [17](https://www.pieinsurance.com/payment-options "Payment Options") [16](https://www.pieinsurance.com/workers-comp/resources/frequently-asked-questions "Workers’ Comp FAQs") [35](https://www.specialtyprogramgroup.com/compensation-disclosure/ "Compensation Disclosure")



## Service Comparison

Pie Insurance vs TechInsurance: documented services and availability.

| Criteria | Pie Insurance | TechInsurance |
| --- | --- | --- |
| 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.) | TechInsurance is a small-business insurance agency and brokerage. Its legal disclosure identifies the business as a division of Specialty Program Group LLC, doing business in California as SPG Insurance Solutions. [28](https://www.techinsurance.com/contact-us "Contact Us") [34](https://www.techinsurance.com/legal/compensation-disclosure "Compensation Disclosure Notice") [35](https://www.specialtyprogramgroup.com/compensation-disclosure/ "Compensation Disclosure") (Evidence: Company-reported; scope: Brand and disclosed producer entity; company sources, not independent regulatory verification.; verified: 2026-09-16.)<br><br>TechInsurance describes itself as part of Insureon and HUB International. Its history says HUB acquired Insureon’s digital agency in 2022 while Bold Penguin acquired the technology platform; HUB’s acquisition announcement placed the agency operations within Specialty Program Group. [27](https://www.techinsurance.com/about-us "About TechInsurance") [28](https://www.techinsurance.com/contact-us "Contact Us") [37](https://www.hubinternational.com/en-CA/media-center/press-releases/2022/03/hub-international-and-bold-penguin-to-acquire-insureon/ "Hub International and Bold Penguin to Acquire Insureon") (Evidence: Company-reported; scope: Current company relationship descriptions plus historical acquisition announcement; does not make HUB or Bold Penguin the policy insurer.; 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.) | TechInsurance names insurance partners including The Hartford, Hiscox, Chubb and Travelers. These are examples of marketed relationships, not the identified contracting insurer for a quote; ask for the exact issuing entity and its California placement route. [33](https://www.techinsurance.com/about-us/business-insurance-partners "Our Insurance Partners") (Evidence: Company-reported; scope: Partner names are commercial brands; no policy declarations or product-specific insurer allocation inspected.; verified: 2026-09-16.) |
| Availability | Pie’s dedicated state page and AM Best describe workers’ compensation in 40 states and Washington, D.C., but Pie’s homepage and January 2026 release say 39 states plus D.C. Confirm the business locations and class codes in the current quote or agent portal. [11](https://www.pieinsurance.com/agency/states-we-serve "Workers’ Comp Coverage By State") [12](https://www.pieinsurance.com/agency/document-library "Agency Document Library") [1](https://www.pieinsurance.com/ "Pie Insurance") [13](https://www.pieinsurance.com/resource-center/press/2025-year-in-review "Pie Insurance Reports Strong 2025") [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 workers’ compensation footprint as of 15 September 2026; the state-page selector, document library and other marketing surfaces were not internally consistent.; verified: 2026-09-15.)<br><br>The reviewed BOP, cyber, general-liability and professional-liability pages do not publish a product-by-state availability table. Pie’s terms also say products are not available in every US area or situation. [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") [10](https://www.pieinsurance.com/small-business-insurance/general-liability "General Liability Insurance") [9](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors And Omissions Insurance") [4](https://www.pieinsurance.com/legal/terms-of-use "Terms Of Use") (Evidence: Not publicly disclosed; scope: Public availability for Pie’s partner-carrier products; no quote or contact form was submitted.; verified: 2026-09-15.) | TechInsurance’s California sales page offers an application and quote-comparison route for general liability, professional E&O, business owner’s policies, workers’ compensation, cyber, commercial auto, fidelity bonds and umbrella coverage. This establishes a marketed California route, not acceptance of a particular startup or availability of every listed product. [30](https://www.techinsurance.com/small-business-insurance/states/california "Small Business Insurance in California") (Evidence: Company-reported; scope: California-specific sales page with product quote controls; no live placement or underwriting acceptance tested.; verified: 2026-09-16.)<br><br>TechInsurance reports licensing in all 50 states and Washington, D.C., and lists California license 0L09546. Current regulator status, authority and appointments were not independently verified for this profile. [29](https://www.techinsurance.com/legal/licenses "Insurance Licensing") (Evidence: Company-reported; scope: Company license disclosure only; do not label regulator verified.; 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.) | TechInsurance says it provides a dedicated account manager and online certificate access. Its instructions require an active policy for a certificate request and direct urgent requests to the account manager. [26](https://www.techinsurance.com/ "Technology Business Insurance") [28](https://www.techinsurance.com/contact-us "Contact Us") (Evidence: Company-reported; scope: Documented service description, not tested service speed or quality.; verified: 2026-09-16.)<br><br>The reviewed About and Contact pages do not establish a renewal remarketing schedule, a contractual response-time commitment, or the scope of dedicated support for a complex growth-stage insurance program. [27](https://www.techinsurance.com/about-us "About TechInsurance") [28](https://www.techinsurance.com/contact-us "Contact Us") (Evidence: Not publicly disclosed; scope: Scoped public-information gap; does not establish that these services are unavailable.; verified: 2026-09-16.) |
| Fees and compensation | Published workers’ compensation options include annual, semi-annual, quarterly and monthly schedules, plus pay-as-you-go. The monthly schedule requires 16.6% upfront followed by ten monthly payments; pay-as-you-go uses reported payroll and 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.)<br><br>Pie publishes a 3% credit-card convenience fee for new, single-state workers’ compensation policies, except in Florida, Nebraska, Maryland and Rhode Island. Its page does not describe this fee for multi-state or renewal policies. [17](https://www.pieinsurance.com/payment-options "Payment Options") (Evidence: Company-reported; scope: Credit-card payments for new single-state workers’ compensation policies under the current payment-options page.; verified: 2026-09-15.)<br><br>Pie says each specific or blanket waiver-of-subrogation request carries a charge set by state rules and disclosed individually; the public FAQ does not give a dollar schedule. [16](https://www.pieinsurance.com/workers-comp/resources/frequently-asked-questions "Workers’ Comp FAQs") (Evidence: Not publicly disclosed; scope: Workers’ compensation waiver requests through Pie’s published service process.; verified: 2026-09-15.)<br><br>Pie says partner agents receive commissions on new and renewal workers’ compensation policies, and its legal footer says compensation rates can vary among insurers. The reviewed current pages do not publish the standard rate or the amount attached to a buyer’s policy. [21](https://www.pieinsurance.com/agency/faq "Partner FAQ") [5](https://www.pieinsurance.com/legal "Legal") (Evidence: Not publicly disclosed; scope: Agency-distributed workers’ compensation and other third-party placements; expired promotional incentives were not treated as current standard compensation.; verified: 2026-09-15.) | TechInsurance directs buyers to SPG’s compensation disclosure, which describes insurer commissions, contingent and supplemental payments, and possible negotiated client fees. Some placements may involve both commission and client-paid fees; quote-specific amounts are not disclosed there. [34](https://www.techinsurance.com/legal/compensation-disclosure "Compensation Disclosure Notice") [35](https://www.specialtyprogramgroup.com/compensation-disclosure/ "Compensation Disclosure") (Evidence: Company-reported; scope: Group disclosure expressly linked by TechInsurance; does not establish fees charged on a particular placement.; verified: 2026-09-16.)<br><br>SPG discloses that strategic insurers may pay enhanced compensation and that some of it may incentivize employees to prioritize those insurers’ products. Ask which markets were approached and how the placement is compensated. [35](https://www.specialtyprogramgroup.com/compensation-disclosure/ "Compensation Disclosure") (Evidence: Company-reported; scope: Group compensation policy linked by TechInsurance; no finding of unsuitable placement or actual employee incentives on a given account.; verified: 2026-09-16.) |

## Related Reading

- [What Is Pie Insurance?](https://spot.insure/insurance-providers/pie-insurance)
- [What Is TechInsurance?](https://spot.insure/insurance-providers/techinsurance)

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- [Harper vs TechInsurance](https://spot.insure/compare/harper-vs-techinsurance)
- [Heffernan vs Pie Insurance](https://spot.insure/compare/heffernan-vs-pie-insurance)
- [Heffernan vs TechInsurance](https://spot.insure/compare/heffernan-vs-techinsurance)
- [Hiscox vs Pie Insurance](https://spot.insure/compare/hiscox-vs-pie-insurance)
- [Hiscox vs TechInsurance](https://spot.insure/compare/hiscox-vs-techinsurance)
- [HUB International vs Pie Insurance](https://spot.insure/compare/hub-international-vs-pie-insurance)
- [HUB International vs TechInsurance](https://spot.insure/compare/hub-international-vs-techinsurance)
- [Kinro vs Pie Insurance](https://spot.insure/compare/kinro-vs-pie-insurance)
- [Kinro vs TechInsurance](https://spot.insure/compare/kinro-vs-techinsurance)
- [Layr vs Pie Insurance](https://spot.insure/compare/layr-vs-pie-insurance)
- [Layr vs TechInsurance](https://spot.insure/compare/layr-vs-techinsurance)
- [Lockton vs Pie Insurance](https://spot.insure/compare/lockton-vs-pie-insurance)
- [Lockton vs TechInsurance](https://spot.insure/compare/lockton-vs-techinsurance)
- [Marsh vs Pie Insurance](https://spot.insure/compare/marsh-vs-pie-insurance)
- [Marsh vs TechInsurance](https://spot.insure/compare/marsh-vs-techinsurance)
- [Mylo vs Pie Insurance](https://spot.insure/compare/mylo-vs-pie-insurance)
- [Mylo vs TechInsurance](https://spot.insure/compare/mylo-vs-techinsurance)
- [Newfront vs Pie Insurance](https://spot.insure/compare/newfront-vs-pie-insurance)
- [Newfront vs TechInsurance](https://spot.insure/compare/newfront-vs-techinsurance)
- [ERGO NEXT Insurance vs Pie Insurance](https://spot.insure/compare/next-insurance-vs-pie-insurance)
- [ERGO NEXT Insurance vs TechInsurance](https://spot.insure/compare/next-insurance-vs-techinsurance)
- [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 StartupInsurance.ai](https://spot.insure/compare/pie-insurance-vs-startupinsurance)
- [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 TechInsurance](https://spot.insure/compare/relm-vs-techinsurance)
- [Resilience vs TechInsurance](https://spot.insure/compare/resilience-vs-techinsurance)
- [RiskCube vs TechInsurance](https://spot.insure/compare/riskcube-vs-techinsurance)
- [Risklytics vs TechInsurance Insurance](https://spot.insure/compare/risklytics-vs-techinsurance)
- [StartupInsurance.ai vs TechInsurance](https://spot.insure/compare/startupinsurance-vs-techinsurance)
- [TechInsurance vs The Hartford](https://spot.insure/compare/techinsurance-vs-the-hartford)
- [TechInsurance vs Travelers](https://spot.insure/compare/techinsurance-vs-travelers)
- [TechInsurance vs USI Insurance Services](https://spot.insure/compare/techinsurance-vs-usi)
- [TechInsurance vs Vouch](https://spot.insure/compare/techinsurance-vs-vouch)
- [TechInsurance vs WithCoverage](https://spot.insure/compare/techinsurance-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.

### [TechInsurance Official Website](https://www.techinsurance.com/)

26. [Technology Business Insurance](https://www.techinsurance.com/). TechInsurance; Top business insurance policies; proof of insurance and expert advice; footer. Accessed 2026-09-16.
27. [About TechInsurance](https://www.techinsurance.com/about-us). TechInsurance; Opening description; one-application process; History of TechInsurance, 2011 and 2022 entries. Accessed 2026-09-16.
28. [Contact Us](https://www.techinsurance.com/contact-us). TechInsurance; FAQs: agent or broker; application; finding quotes; updating address; certificates; How does TechInsurance work?. Accessed 2026-09-16.
29. [Insurance Licensing](https://www.techinsurance.com/legal/licenses). TechInsurance; Where we are licensed; California entry; footer legal entity. Accessed 2026-09-16.
30. [Small Business Insurance in California](https://www.techinsurance.com/small-business-insurance/states/california). TechInsurance; Find California business insurance in three easy steps; recommended policies and Get Quotes controls. Accessed 2026-09-16.
31. [Small Business Insurance](https://www.techinsurance.com/small-business-insurance). TechInsurance; Top recommended small business insurance policies; Specialized coverage for unique risks. Accessed 2026-09-16.
32. [Technology Errors and Omissions – Tech E&O Insurance](https://www.techinsurance.com/errors-omissions-insurance/technology-errors-omissions-coverage). TechInsurance; Tech E&O insurance includes two policies; quotation form; Technology professionals we insure. Accessed 2026-09-16.
33. [Our Insurance Partners](https://www.techinsurance.com/about-us/business-insurance-partners). TechInsurance; Named provider sections; More key policies our dedicated providers offer; Professions we insure. Accessed 2026-09-16.
34. [Compensation Disclosure Notice](https://www.techinsurance.com/legal/compensation-disclosure). TechInsurance; TechInsurance business practices and link to SPG disclosure. Accessed 2026-09-16.
35. [Compensation Disclosure](https://www.specialtyprogramgroup.com/compensation-disclosure/). Specialty Program Group; Commission Income; Contingency Income; Fees Paid by Clients; Customer Centric Carriers; footer. Accessed 2026-09-16.
36. [How Do I File a Business Insurance Claim?](https://www.techinsurance.com/resources/how-to-file-a-business-insurance-claim). TechInsurance; Opening carrier-contact instruction; property and liability claim sections and TechInsurance agent assistance. Accessed 2026-09-16.
37. [Hub International and Bold Penguin to Acquire Insureon](https://www.hubinternational.com/en-CA/media-center/press-releases/2022/03/hub-international-and-bold-penguin-to-acquire-insureon/). HUB International; March 1, 2022 announcement; agency/platform split; Insureon operations within SPG. 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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