Pie Insurance vs 
WithCoverage Workers’ Compensation Insurance
WithCoverage audits existing workers' compensation coverage for construction and restaurant clients; Pie sells a new policy through a self-serve quote.
What Is Pie Insurance?
Pie Insurance sells and administers small-business commercial insurance, with affiliated carriers writing its workers’ compensation program and outside carrier partners supporting selected other products. Businesses can start a workers’ compensation quote online or use an agent, then manage documents, certificates, billing, audits and claim reporting through Pie’s service channels. 1,2,3
What Is WithCoverage?
WithCoverage combines commercial insurance brokerage, a risk-management team and software for growing businesses. Buyers can request a review of existing policies, compare insurance options and manage their program with its team. 5,6,7
What Is Workers’ Compensation Insurance?
Workers’ compensation insurance addresses medical care, rehabilitation and lost wages for employees’ work-related injuries or illnesses. Not every worker, contractor or owner is automatically covered, and not every injury qualifies — check who's included and what's compensable under your state's rules. 11,12,13
Key Differences in Workers’ Compensation Insurance
Auditing Existing Coverage vs. Selling a New Policy
WithCoverage reviews a client's existing workers' compensation coverage through a program audit rather than issuing a new policy. 10 Pie instead underwrites a new policy itself through its own carrier group. 4
Which Businesses Each Page Targets
WithCoverage frames the risk specifically for two industries:
WithCoverage frames workers' compensation risk specifically for construction operators managing project profit margins and for restaurant operators managing thin service margins, rather than as a generic offering. 8,9Company-reported. Construction and restaurant page hero copy.
Pie's page instead describes eligibility more broadly, saying the coverage is legally required in nearly all states with few exceptions, without naming construction or restaurants specifically. 2
Turnaround Time
WithCoverage's audit is typically completed in about one business day after receiving policy documents. 8 Pie's online quote is faster still, advertising a roughly three-minute process built around a class-code lookup tool. 2
What to Confirm in Workers’ Compensation Insurance Quotes
- Ask WithCoverage what specifically changes about your policy after the audit, since it reviews existing coverage rather than issuing new terms. 10
- Verify Pie's advertised savings of up to 30% against your own prior premium rather than a general marketing figure. 2
- If you are outside construction or restaurants, confirm WithCoverage's audit still applies the same way to your industry. 9
- Ask Pie whether your payroll and class code were verified against the illustrative online quote. 2
Offering Details
Pie Insurance vs WithCoverage Workers’ Compensation Insurance: documented features by provider
| Criteria | Pie Workers' Comp Insurance | WithCoverage Workers' Compensation Program Review |
|---|---|---|
| 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. 2Company-reported. Workers' Comp product page as read on 2026-09-23; restates the provider record's verified insurer-route fact. | WithCoverage is a broker, not an insurer; it reviews workers' compensation coverage as part of a broader insurance-program audit for construction and restaurant clients, among other industries, and can place or transition the coverage. 8,9,10Company-reported. Construction and restaurant industry pages; terms confirm the issuing insurer, not WithCoverage, is responsible for policy obligations. |
| 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. 4Verified. 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. | The reviewed pages do not name which insurer or insurers WithCoverage places workers' compensation coverage with for any given client. 8,9Not found in reviewed sources. Construction and restaurant pages as read on 2026-09-23. |
| 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. 2Company-reported. Workers' Comp product page as read on 2026-09-23. | WithCoverage frames workers' compensation risk specifically for construction operators managing project profit margins and for restaurant operators managing thin service margins, rather than as a generic offering. 8,9Company-reported. Construction and restaurant page hero copy. |
| 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. 2Company-reported. Workers' Comp product page as read on 2026-09-23; actual covered/excluded scenarios depend on the issued policy and state law. | Workers' compensation is explicitly named in both the page hero and the itemized program-audit scope on both the construction and restaurant industry pages, one of the few lines confirmed consistently in both places for multiple industries. 8,9Company-reported. Construction and restaurant industry page hero copy and FAQ. |
| 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. 2Company-reported. Workers' Comp product page FAQ as read on 2026-09-23. | Not described in the reviewed sources. |
| 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. 2Company-reported. 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. | WithCoverage offers a no-cost program audit that includes workers' compensation without requiring a client to leave its current broker, typically completed in about one business day after receiving policy documents. 8,9Company-reported. Construction and restaurant page FAQs. |
Full Comparison
More Pie Insurance vs WithCoverage Comparisons
Other Workers’ Compensation Insurance Comparisons
Sources
Pie Insurance
- Legal. Pie Insurance; State Licenses; footer disclosure naming producer and workers’ compensation versus third-party underwriting roles. Accessed 2026-09-15.
- Workers' Comp Insurance for Small Businesses. 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.
- Online Account Tutorial. Pie Insurance; Payment-method updates; instant and custom certificates; policy information; document access; agent-handled custom certificate qualification. Accessed 2026-09-15.
- AM Best Rating Disclosure Report — Pie Casualty Insurance Company. 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.
WithCoverage
- Commercial Insurance & Risk Management. WithCoverage; Industry navigation; Your Risk Management Team; AI Analyzes; One Digital Platform tabs and policy-management showcase. Accessed 2026-09-15.
- About WithCoverage. WithCoverage; Opening description of risk management for businesses without an in-house team. Accessed 2026-09-15.
- WithCoverage Raises $42M Series B. WithCoverage; Founders’ letter: WithCoverage fixes this in 3 key ways; complimentary risk assessment. Accessed 2026-09-15.
- Construction Insurance & Risk Management. WithCoverage; Hero: "One gap in GL, Builder's Risk, or Workers' Comp can wipe out a year of project profit"; Have Questions? program-audit FAQ listing Workers' Comp among reviewed policies. Accessed 2026-09-23.
- Restaurant Insurance & Risk Management. WithCoverage; Hero: "One gap in general liability, liquor liability, or workers' comp can erase a year of service"; Have Questions? program-audit FAQ listing Workers' Comp among reviewed policies. Accessed 2026-09-23.
- Terms & Conditions. WithCoverage; Section 8 Insurance Products: coverage subject to underwriting, carrier terms and policy documents. Accessed 2026-09-23.
Workers’ Compensation Insurance Guide
- Workers’ Compensation Insurance. National Association of Insurance Commissioners; Opening definition; mandatory coverage except Texas opt-in; exclusive remedy; monopolistic state funds; self-insurance note. Accessed 2026-09-16.
- Small Business Insurance. National Association of Insurance Commissioners; Typically covers medical expenses, rehabilitation costs and lost wages; check with your state insurance department; ask these questions / who qualifies as a covered employee (contractors, part-time staff, interns); payroll and type-of-work rating factors. Accessed 2026-09-16.
- DWC employer information. California Department of Industrial Relations, Division of Workers’ Compensation; Opening trade-off and California requirement; basic benefits including medical care, temporary and permanent disability, supplemental job displacement, return-to-work supplement and death benefits; out-of-state employer note. Accessed 2026-09-16.
