Pie Insurance vs Travelers

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. ^{2,5,3,7,8,9,10}

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. ^4,24,22

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. ^5,25

Travelers is a property-casualty insurance group. The Travelers Companies, Inc. is the public holding company; policies are issued by subsidiaries such as The Travelers Indemnity Company and affiliates, not by the holding company itself. ^53,54,46,32

Travelers says it primarily sells U.S. insurance through independent agents and brokers, whom it calls producers and who are not Travelers employees. It also owns Simply Business, Inc. and InsuraMatch, LLC, licensed digital independent agencies it says operate nationwide. ^32,31,54

Current direct offering pages support workers’ compensation, business owner’s policy, cyber, general liability and professional liability/E&O. The non-workers’ compensation pages describe typical protection; the issued policy and endorsements determine actual coverage. ^3,7,8,10,9,4

Pie says it stopped accepting commercial-auto submissions on December 1, 2025 and will issue no new or renewal commercial-auto policies on or after January 1, 2026. Existing policyholders retain coverage through their policy term and can still use Pie’s claim channels. ^14,20

Pie’s terms say website coverage descriptions are not part of an insurance contract and do not change a policy or endorsement; eligibility and product availability can vary by geography and applicant. ⁴

On its technology pages, Travelers lists CyberRisk Tech (technology E&O and cyber options, including media and regulatory-proceedings agreements on the cyber page), Global Companion Plus+, general liability, commercial property, workers compensation, commercial auto and umbrella. Other current offering pages list a small-business technology-services BOP, management-liability lines (D&O, EPL, fiduciary, fidelity and crime, kidnap and ransom), professional E&O, inland marine including cargo, equipment breakdown, surety and commercial umbrella/excess including a Northfield surplus-lines option. ^{26,28,27,33,52,38,40,39,51}

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. ^{11,12,1,13,22}

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. ^7,8,10,9,4

Travelers describes Business Insurance as offered primarily in the United States, with additional operations in the United Kingdom, Ireland and other markets including Lloyd’s. Domestic business insurance is marketed through independent agents and brokers rather than as a single nationwide self-serve shop for every product. ^54,53,46

California’s insurance department lists The Travelers Indemnity Company (NAIC 25658) and Travelers Casualty and Surety Company of America (NAIC 31194) as property-and-casualty insurers with Unlimited-Normal licenses. Travelers’ agent directory also lists agencies in California. Those facts do not establish that a specific technology product, CyberRisk Tech form, BOP class or Global Companion Plus+ coverage is available or admitted for a particular California risk. ^55,56,49,44

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. ^5,22,23,24

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

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. ^5,7,8,9,10

Travelers is the brand. Product footers name The Travelers Indemnity Company and its property-casualty affiliates, and Bond & Specialty pages name Travelers Casualty and Surety Company of America and affiliates. Umbrella materials also describe Northfield excess-and-surplus coverage for some hard-to-place risks. The issuing company, admitted or surplus status, and any fronting or network partner remain quote-specific. ^{32,50,34,51,44}

Pie asks policyholders to report a workplace injury within 24 hours through its online form, 24/7 phone line or email. After intake, it says a claims professional follows up, determines whether the policy covers the claim and explains applicable benefits if accepted. ²⁰

Pie’s agency FAQ says Pie manages workers’ compensation claims in 34 states and CorVel handles Alaska, Mississippi, Nevada, New Mexico and Oregon. That 39-state split is not reconciled with the separately advertised 40-state-plus-D.C. footprint. ^21,11,22

Travelers says business-insurance losses can be reported 24 hours a day, 365 days a year by contacting the agent, using the online claim system or MyTravelers for Business, or calling 800-238-6225. It describes a dedicated Technology claim unit staffed since 1998 with claim attorneys and insurance professionals. Those statements describe access paths and an internal unit; they do not establish claim outcomes or coverage decisions. ^41,42,31