---
title: "Pie Insurance vs Travelers: Workers’ Compensation Insurance"
description: "Pie advertises a roughly three-minute online quote; Travelers underwrites directly but directs buyers to a local agent for pricing."
canonical: "https://spot.insure/compare/pie-insurance-vs-travelers/workers-compensation"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "pie-insurance-vs-travelers"
provider-a: "pie-insurance"
provider-b: "travelers"
coverage-line: "workers-compensation"
---

Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, check_driving_insurance for source-backed rideshare and delivery requirements by state or province, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication.

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

## Agent Guide

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

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

# Pie Insurance vs Travelers: How Do They Compare for Workers’ Compensation Insurance?

Both are insurers. Pie Insurance quotes online from payroll and class codes; Travelers sells through local agents, serves large multi-state employers too, and reports return-to-work outcomes.

Pie offers an online quote in about three minutes; Travelers uses local agents to price its policy.

## Pie Insurance vs Travelers Workers’ Compensation Insurance Summary

Pie advertises a roughly three-minute online quote; Travelers underwrites directly but directs buyers to a local agent for pricing. [1](https://www.pieinsurance.com/workers-comp "Workers' Comp Insurance for Small Businesses") [3](https://www.travelers.com/business-insurance/workers-compensation "Workers Compensation Insurance")

## What Are the Key Differences Between Pie Insurance and Travelers Workers’ Compensation Insurance?

### Two Direct Underwriters

Pie underwrites this line itself through its own carrier group, with an AM Best rating 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") Travelers also underwrites directly, pairing the policy with its own risk control and claims services rather than naming a rated entity on the reviewed page. [3](https://www.travelers.com/business-insurance/workers-compensation "Workers Compensation Insurance")

Choose Pie if you want to start an online quote in minutes; choose Travelers if you want to work with a local agent and discuss payroll and work type. [1](https://www.pieinsurance.com/workers-comp "Workers' Comp Insurance for Small Businesses")

### Self-Serve Quote vs. Agent-Led Pricing

Pie describes a fully self-serve process:

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..)

Travelers instead directs buyers to a local agent, and separately notes that pricing depends on business location, type of work, total payroll and claims history rather than a fixed online rate. [3](https://www.travelers.com/business-insurance/workers-compensation "Workers Compensation Insurance")

### Reported Outcomes vs. Administrative Services

Travelers reports specific return-to-work and opioid-reduction outcomes tied to its own claim and risk-control programs. [3](https://www.travelers.com/business-insurance/workers-compensation "Workers Compensation Insurance") Pie's services are administrative instead — issuing a certificate of insurance and running a post-term premium audit — rather than reporting outcome statistics. [1](https://www.pieinsurance.com/workers-comp "Workers' Comp Insurance for Small Businesses")

## What Should You Confirm in Pie Insurance and Travelers Workers’ Compensation Insurance 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 Travelers to confirm its reported return-to-work and opioid-reduction outcomes apply to a business your size. [3](https://www.travelers.com/business-insurance/workers-compensation "Workers Compensation Insurance")
- Confirm whether your state is monopolistic, since Travelers cannot sell there and Pie's page does not address it. [3](https://www.travelers.com/business-insurance/workers-compensation "Workers Compensation Insurance")
- Ask Pie whether your payroll and class code were verified against the illustrative online quote. [1](https://www.pieinsurance.com/workers-comp "Workers' Comp Insurance for Small Businesses")

## Pie Insurance vs Travelers Workers’ Compensation Insurance Compared

| Criteria | Pie Workers' Comp Insurance | Travelers 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..) | Travelers says nearly every state requires most businesses to carry workers compensation insurance, but that in monopolistic states employers must buy coverage from a state-run fund, or may self-insure using a third-party administrator, so Travelers workers compensation is not purchasable there through Travelers itself. [3](https://www.travelers.com/business-insurance/workers-compensation "Workers Compensation Insurance") (Evidence: Company-reported; scope: Workers-compensation FAQ answer, 'Who needs workers compensation insurance?'; the page does not list which states are monopolistic..)<br><br>Travelers markets workers compensation to both large, multi-state employers and small businesses, and says it maintains state-specific requirement information because coverage terms and required forms vary by jurisdiction. [3](https://www.travelers.com/business-insurance/workers-compensation "Workers Compensation Insurance") (Evidence: Company-reported; scope: Large-business and small-business sections and the 'Workers compensation laws vary by state' 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..) | Travelers directs buyers to contact a local Travelers agent to find a workers compensation policy, and separately notes pricing depends on business location, type of work, total payroll and claims history rather than a fixed rate. [3](https://www.travelers.com/business-insurance/workers-compensation "Workers Compensation Insurance") (Evidence: Company-reported; scope: Workers-compensation FAQ answers 'How can I buy workers compensation insurance?' and 'What determines the cost of a workers compensation policy?'.) |
| 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..) | Travelers says the policy covers employees' medical expenses and lost wages for job-related injuries and diseases, includes employers liability coverage for related lawsuits not covered by workers-comp law, and that employers in monopolistic states may add employers liability separately as stop-gap coverage. [3](https://www.travelers.com/business-insurance/workers-compensation "Workers Compensation Insurance") (Evidence: Company-reported; scope: Product overview and 'What does workers comp cover?' FAQ; full inclusions and exclusions depend on the policy as issued and the applicable state..) |
| 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..) | Travelers underwrites workers compensation insurance directly as a standalone line, separate from a business owner's policy, and says it also provides risk control and claim services alongside the policy rather than selling coverage alone. [3](https://www.travelers.com/business-insurance/workers-compensation "Workers Compensation Insurance") (Evidence: Company-reported; scope: Workers-compensation product page, as read on 2026-09-23..) |
| Issuing Insurer | AM Best's disclosure report says Pie completed acquiring Pie Casualty Insurance Company in September 2021 and The Pie Insurance Company (formerly The American Insurance Company) in January 2023, and that beginning January 1, 2024, Pie writes 100% of its workers' compensation business through these two entities, part of the pooled Rating Unit 018981 Pie Insurance Group. AM Best affirmed Pie Casualty Insurance Company's Financial Strength Rating at A- (Excellent) and Long-Term Issuer Credit Rating at a- (Excellent), both with a stable outlook, effective April 24, 2026. [2](https://ratings.ambest.com/DisclosurePDF.aspx?AMBNum=12272&PCA=0 "AM Best Rating Disclosure Report — Pie Casualty Insurance Company") (Evidence: Verified; scope: AM Best rating disclosure report (AMB #012272, NAIC #10997) for Pie Casualty Insurance Company; a rating is an opinion of insurer financial strength, not a guarantee a claim will be paid, and reflects the pooled group rather than a standalone assessment of either entity..) | A video transcript on the workers-compensation page is copyrighted to The Travelers Indemnity Company, which is consistent with that entity issuing workers compensation policies, though the page does not state that every workers-comp policy is issued by that entity rather than an affiliate. [3](https://www.travelers.com/business-insurance/workers-compensation "Workers Compensation Insurance") (Evidence: Company-reported; scope: Video transcript credit on the workers-compensation page; not a policy-level disclosure of the issuing entity for a specific quote..) |
| 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..) | Travelers reports internal outcome and cost-containment statistics for its workers-comp claim and risk-control programs, including 70% of injured employees returning to work within 30 days, a 40% decline in opioid use it attributes to its Early Severity Predictor tool, and access to a network of 2.3 million medical providers. [3](https://www.travelers.com/business-insurance/workers-compensation "Workers Compensation Insurance") (Evidence: Company-reported; scope: Workers-compensation page statistics, sourced to Travelers internal data; these are company-reported outcomes, not independently verified..) |

## About Pie Insurance and Travelers and Workers’ Compensation Insurance

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

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

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

## Sources for Pie Insurance vs Travelers Workers’ Compensation Insurance

### 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 Travelers

3. [Workers Compensation Insurance](https://www.travelers.com/business-insurance/workers-compensation). Travelers; What is workers compensation insurance?; Who needs workers compensation insurance?; What does workers comp cover?; Is all workers compensation insurance the same?; Trends in workers compensation legislation; Copyright 2018 The Travelers Indemnity Company video transcript. 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-travelers/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)