---
title: "Pie Insurance vs The Hartford: Workers’ Compensation Insurance"
description: "The Hartford names industries such as gyms, manufacturers and medical offices and includes a preferred medical network; Pie underwrites through its own carrier group."
canonical: "https://spot.insure/compare/pie-insurance-vs-the-hartford/workers-compensation"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "pie-insurance-vs-the-hartford"
provider-a: "pie-insurance"
provider-b: "the-hartford"
coverage-line: "workers-compensation"
---

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

## Agent Guide

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

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

# 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 target industries and a medical network; Pie lists policy exclusions and its carrier group.

## Pie Insurance vs The Hartford Workers’ Compensation Insurance Summary

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](https://www.thehartford.com/workers-compensation "Workers' Compensation Insurance Plans") [1](https://www.pieinsurance.com/workers-comp "Workers' Comp Insurance for Small Businesses")

## 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](https://ratings.ambest.com/DisclosurePDF.aspx?AMBNum=12272&PCA=0 "AM Best Rating Disclosure Report — Pie Casualty Insurance Company") The Hartford also underwrites its policy directly, but its reviewed page describes the policy's benefits rather than naming a specific rated entity. [3](https://www.thehartford.com/workers-compensation "Workers' Compensation Insurance Plans")

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](https://www.thehartford.com/workers-compensation "Workers' Compensation Insurance Plans")

### 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. [3](https://www.thehartford.com/workers-compensation "Workers' Compensation Insurance Plans") (Evidence: Company-reported; scope: 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](https://www.pieinsurance.com/workers-comp "Workers' Comp Insurance for Small Businesses")

### 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](https://www.thehartford.com/workers-compensation "Workers' Compensation Insurance Plans") 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](https://www.pieinsurance.com/workers-comp "Workers' Comp Insurance for Small Businesses")

## 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](https://www.thehartford.com/workers-compensation "Workers' Compensation Insurance Plans")
- 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](https://www.pieinsurance.com/workers-comp "Workers' Comp Insurance for Small Businesses")
- 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](https://www.thehartford.com/workers-compensation "Workers' Compensation Insurance Plans")
- 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](https://www.thehartford.com/workers-compensation "Workers' Compensation Insurance Plans") [1](https://www.pieinsurance.com/workers-comp "Workers' Comp Insurance for Small Businesses")

## Pie Insurance vs The Hartford Workers’ Compensation Insurance Compared

| 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. [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..) | 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. [3](https://www.thehartford.com/workers-compensation "Workers' Compensation Insurance Plans") (Evidence: Company-reported; scope: 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. [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..) | 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. [3](https://www.thehartford.com/workers-compensation "Workers' Compensation Insurance Plans") (Evidence: Company-reported; scope: 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. [1](https://www.pieinsurance.com/workers-comp "Workers' Comp Insurance for Small Businesses") (Evidence: Company-reported; scope: 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. [3](https://www.thehartford.com/workers-compensation "Workers' Compensation Insurance Plans") (Evidence: Company-reported; scope: Workers' compensation product page as read 2026-09-23..)<br><br>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. [3](https://www.thehartford.com/workers-compensation "Workers' Compensation Insurance Plans") (Evidence: Company-reported; scope: Workers' compensation product page as read 2026-09-23..) |

## About Pie Insurance and The Hartford 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)
- [The Hartford company profile](https://spot.insure/insurance-providers/the-hartford) · [The Hartford customer reviews](https://spot.insure/insurance-providers/the-hartford/reviews)
- [What Is Workers’ Compensation Insurance?](https://spot.insure/coverage/workers-compensation)

## Related Pages for Pie Insurance vs The Hartford Workers’ Compensation

- [Pie Insurance vs The Hartford](https://spot.insure/compare/pie-insurance-vs-the-hartford): 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)
- [The Hartford Workers’ Compensation Insurance](https://spot.insure/insurance-providers/the-hartford/workers-compensation)

## Sources for Pie Insurance vs The Hartford

### 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 The Hartford

3. [Workers' Compensation Insurance Plans](https://www.thehartford.com/workers-compensation). The Hartford; What Is Workers' Compensation Insurance?; How Much Is Workers' Compensation Insurance?; Who Needs Workers' Compensation Insurance?; The Advantages of Workers' Comp From The Hartford; Benefits of The Hartford's WC Insurance; Workers' Compensation Insurance in Monopolistic States. 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-the-hartford/workers-compensation.md)
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