---
title: "Pie Insurance vs USI Insurance Services: Workers’ Compensation Insurance"
description: "Pie underwrites workers’ comp through its A- rated carrier group; USI brokers the line through separate practices for middle-market, private-equity and healthcare clients."
canonical: "https://spot.insure/compare/pie-insurance-vs-usi/workers-compensation"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "pie-insurance-vs-usi"
provider-a: "pie-insurance"
provider-b: "usi"
coverage-line: "workers-compensation"
---

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

## Agent Guide

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

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

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

Pie Insurance underwrites workers' comp itself for small businesses and quotes online; USI Insurance Services is a broker for middle-market clients, private equity portfolios and healthcare.

Pie issues its own policy; USI brokers workers’ comp through three client-segment practices.

## Pie Insurance vs USI Insurance Services Workers’ Compensation Insurance Summary

Pie underwrites workers’ comp through its A- rated carrier group; USI brokers the line through separate practices for middle-market, private-equity and healthcare clients. [2](https://ratings.ambest.com/DisclosurePDF.aspx?AMBNum=12272&PCA=0 "AM Best Rating Disclosure Report — Pie Casualty Insurance Company") [3](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") [4](https://www.usi.com/property-casualty/private-equity "Private Equity") [5](https://www.usi.com/property-casualty/healthcare/ "Healthcare")

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

### Underwriting Itself vs. Brokering by Segment

Pie underwrites workers' compensation itself, with an AM Best Financial Strength Rating of A- (Excellent) 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") USI instead brokers the line across three distinct client segments — general property & casualty, private equity portfolio companies and healthcare facilities — without underwriting the policy itself. [3](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") [4](https://www.usi.com/property-casualty/private-equity "Private Equity") [5](https://www.usi.com/property-casualty/healthcare/ "Healthcare")

Choose Pie if you want a policy from its rated carrier group; choose USI if you are a private-equity portfolio company, healthcare organization or middle-market employer. [4](https://www.usi.com/property-casualty/private-equity "Private Equity")

### Administrative Services vs. a Named Case Study

Pie's services are administrative:

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..)

USI instead illustrates its value with one named account in its private equity practice, describing a claims-trend analysis and safety changes tied to a company-reported $1.2 million EBITDA impact. [4](https://www.usi.com/property-casualty/private-equity "Private Equity")

### How You Get Covered

Pie advertises a roughly three-minute self-serve online quote built around a class-code lookup tool. [1](https://www.pieinsurance.com/workers-comp "Workers' Comp Insurance for Small Businesses") USI instead directs inquiries to a shared property & casualty inbox or a local office, without an online quote flow. [3](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting")

## What Should You Confirm in Pie Insurance and USI Insurance Services Workers’ Compensation Insurance Quotes?

- Ask which USI practice would handle your account, since its general, private equity and healthcare pages describe different client segments. [3](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting")
- 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 both firms to name the insurer that would issue your policy; Pie names its own carrier group directly, while USI's pages do not name one. [2](https://ratings.ambest.com/DisclosurePDF.aspx?AMBNum=12272&PCA=0 "AM Best Rating Disclosure Report — Pie Casualty Insurance Company") [3](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting")
- If you are not a private equity portfolio company, ask USI whether the risk-control approach behind its case study extends to your segment. [4](https://www.usi.com/property-casualty/private-equity "Private Equity")

## Pie Insurance vs USI Insurance Services Workers’ Compensation Compared

| Criteria | Pie Workers' Comp Insurance | USI Workers' Compensation Brokerage |
| --- | --- | --- |
| 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..) | USI's property & casualty team serves middle-market clients broadly; its Private Equity practice separately handles workers' compensation for portfolio companies of financial and strategic buyers, and its Healthcare practice covers hospitals, physician groups and related facilities. [3](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") [4](https://www.usi.com/property-casualty/private-equity "Private Equity") [5](https://www.usi.com/property-casualty/healthcare/ "Healthcare") (Evidence: Company-reported; scope: Company description of client segments for each practice..) |
| 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..) | USI directs workers' compensation inquiries to pcinquiries@usi.com or a local USI office. [3](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") [4](https://www.usi.com/property-casualty/private-equity "Private Equity") [5](https://www.usi.com/property-casualty/healthcare/ "Healthcare") (Evidence: Company-reported; scope: Contact instructions on the Property & Casualty, Private Equity and Healthcare pages..) |
| 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..) | USI lists Workers' Compensation among the risk exposures its property & casualty team advises on, and separately among the specialty coverages its Healthcare practice places. [3](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") [5](https://www.usi.com/property-casualty/healthcare/ "Healthcare") (Evidence: Company-reported; scope: Catalogue listings; actual insuring agreements and state-specific requirements are set by the issued policy..) |
| 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..) | USI is a broker for workers' compensation insurance. It advises on and places coverage across its property & casualty, private equity and healthcare practices rather than underwriting the risk itself. [3](https://www.usi.com/property-casualty "P&C Insurance and Risk Consulting") [4](https://www.usi.com/property-casualty/private-equity "Private Equity") [5](https://www.usi.com/property-casualty/healthcare/ "Healthcare") (Evidence: Company-reported; scope: Property & Casualty, Private Equity and Healthcare practice pages..) |
| 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..) | USI's Private Equity Team cites a case study where it analyzed a manufacturing affiliate's workers' compensation claim trends, ran ergonomics, air-quality and sound-level studies, and helped implement new safety procedures within 90 days; USI says the combined insurance-cost and productivity improvements totaled $1.2 million in EBITDA impact. [4](https://www.usi.com/property-casualty/private-equity "Private Equity") (Evidence: Company-reported; scope: Single named case study on the Private Equity page; company-reported outcome, not independently verified, and not necessarily representative of every account..) |

## About Pie Insurance and USI Insurance Services

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

## Related Pages for Pie Insurance vs USI Insurance Services

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

## Sources for Pie Insurance vs USI Insurance Services

### 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 USI Insurance Services

3. [P&C Insurance and Risk Consulting](https://www.usi.com/property-casualty). USI Insurance Services; risk management and insurance advice on broad risk exposures such as Workers' Compensation...; casualty analysts...claim advocates...risk control specialists.... Accessed 2026-09-23.
4. [Private Equity](https://www.usi.com/property-casualty/private-equity). USI Insurance Services; CASE STUDY: USI's Workers' Compensation Claim Analysis and Safety Improvements Save Manufacturer $1.2 Million. Accessed 2026-09-23.
5. [Healthcare](https://www.usi.com/property-casualty/healthcare/). USI Insurance Services; USI's Healthcare Practice offers specialty coverages...including...Workers' Compensation Insurance.... 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.

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