Pie Insurance vs 
The Hartford: How Do They Compare for Workers’ Compensation Insurance?
Pie Insurance underwrites workers' comp through its carrier group and collects payroll and class-code details for an online quote; The Hartford says customers with under $300,000 in payroll pay an average of $81 a month and bills on actual payroll.
The Hartford names industries such as gyms, manufacturers and medical offices and includes a preferred medical network; Pie underwrites through its own carrier group. 3,1
What Are the Key Differences Between Pie Insurance and The Hartford Workers’ Compensation Insurance?
Two Direct Underwriters, Described Differently
Pie underwrites this line itself, and names the specific entities behind it, with an AM Best rating independently affirmed for that carrier group. 2 The Hartford also underwrites its policy directly, but its reviewed page describes the policy's benefits rather than naming a specific rated entity. 3
Choose The Hartford if your business matches its listed industries and you want its medical network; choose Pie if you want a direct policy through its rated carrier group. 3
Who Each Page Is Written For
The Hartford names specific industries it markets to:
The Hartford says coverage requirements vary by state, and in some states (monopolistic states) workers' compensation can only be bought through a state-run fund, not from a private insurer like The Hartford. Common industries it names include gyms, manufacturing, medical offices, restaurants and retailers. 3Company-reported. Workers' compensation product page as read 2026-09-23.
Pie's page instead describes eligibility more generally, saying the coverage is legally required in nearly all states with few exceptions and marketing broadly to small businesses rather than naming industries. 1
Medical Network vs. Administrative Services
The Hartford ties a Preferred Medical Provider Network, a prescription drug program and nurse case managers to its policy. 3 Pie's services are administrative instead: it can issue a certificate of insurance and runs a post-term premium audit comparing estimated to actual payroll. 1
What Should You Confirm in Pie Insurance and The Hartford Workers’ Compensation Insurance Quotes?
- Ask The Hartford whether your industry is one of the ones it names, or whether coverage extends the same way to yours. 3
- Ask Pie whether your payroll and class code were verified against the illustrative online quote, since a post-term premium audit compares estimates to actuals. 1
- Confirm whether your state is monopolistic; The Hartford's page notes the category exists without naming states, and Pie's page does not address it. 3
- Compare The Hartford's published average of $81 a month against Pie's advertised savings of up to 30%, using your own prior premium as the baseline. 3 1
Pie Insurance vs The Hartford Workers’ Compensation Insurance Compared
Pie Insurance vs The Hartford: Workers’ Compensation Insurance: documented features by provider
| Criteria | Pie Workers' Comp Insurance | The Hartford 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. | The Hartford says coverage requirements vary by state, and in some states (monopolistic states) workers' compensation can only be bought through a state-run fund, not from a private insurer like The Hartford. Common industries it names include gyms, manufacturing, medical offices, restaurants and retailers. 3Company-reported. Workers' compensation product page as read 2026-09-23. |
| 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. | The Hartford's workers' compensation insurance gives employees medical, wage and other benefits after a work-related injury or illness; most states require this coverage if a business has employees. 3Company-reported. Workers' compensation product page as read 2026-09-23. |
| Risk Services | Pie says it can issue a Certificate of Insurance to show proof of workers' comp coverage, which it notes some industries, such as construction, require before work can begin, and that it performs a post-term premium audit comparing estimated to actual payroll. 1Company-reported. Workers' Comp product page FAQ as read on 2026-09-23. | The Hartford says policyholders get access to a Preferred Medical Provider Network of over 1 million providers, a prescription drug program covering more than 65,000 U.S. pharmacies (usually no out-of-pocket cost, plus mail order), a Needle Stick Reimbursement Program, and a Nursed Back to Health Program with nurse case managers coordinating care. 3Company-reported. Workers' compensation product page as read 2026-09-23. The Hartford offers pay-as-you-go billing based on actual payroll rather than an estimate, and a My Workers' Comp Connection portal where injured employees can check claim status, review payments, sign up for direct deposit, and get a medical services card. 3Company-reported. Workers' compensation product page as read 2026-09-23. |
