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Pie Insurance vs Zurich U.S.

Pie Insurance describes commercial insurance products and services, while Zurich U.S. directs commercial buyers to agents and brokers; compare the listed products, named insurer, submission route, and service contact against your business and policy needs. 2,5,3,7,8,9,10,1,15,16,56,57,61,62,63

Introduction

If you are choosing where to start a commercial insurance conversation, this pair helps separate Pie Insurance's documented role from Zurich's agent-and-broker placement route. The records describe business activities and marketed products; they do not establish that either route will quote or issue a particular policy for your company. 2 5 3 7 8 9 10 61 62

Coverage Comparison

CoveragePie InsuranceZurich U.S.
Builders riskNot listedListed 55Zurich markets a Commercial Builders Risk program for construction projects; the project-value language conflicts within Zurich’s own page and requires confirmation.
Business owner’s policyListed 7Pie accepts business owner’s policy quote requests.Not listed
Commercial autoNot listedListed 40Zurich markets commercial auto for rental fleets; the reviewed source does not establish the same terms for all commercial-auto classes.
Commercial propertyNot listedListed 38Zurich markets commercial property insurance.
CrimeNot listedListed 32Zurich markets commercial crime insurance as standalone policies and as package solutions; package structure is distinct from any specific policy terms.
Cyber liabilityListed 8Pie provides access to cyber insurance quotes from carrier partners.Listed 35Zurich markets cyber insurance for businesses; cover and policy form depend on the selected product.
Directors and officersNot listedListed 28Zurich markets directors and officers liability insurance.
Employment practices liabilityNot listedListed 30Zurich markets Employment Practices Liability Insurance (EPLI).
Fidelity bondsNot listedListed 33Zurich markets ERISA fidelity bond options; this product page identifies Zurich American Insurance Company as underwriter and states approved-state availability.
Fiduciary liabilityNot listedListed 28Zurich markets fiduciary liability insurance.
General liabilityListed 10Pie arranges general liability insurance through unaffiliated third-party insurers.Listed 27,26Zurich’s U.S. catalogue describes commercial general liability protection for business bodily injury, property damage and personal injury claims.
Management liabilityNot listedListed 28Zurich markets a management liability portfolio with multiple distinct lines.
Professional errors and omissions (E&O)Listed 9Pie Insurance arranges professional errors and omissions insurance for small businesses through third-party insurers.Listed 34Zurich markets professional errors and omissions insurance.
Surety bondsNot listedListed 41Zurich markets construction and corporate surety bonds.
Technology errors and omissions (E&O)Not listedListed 34Zurich markets technology errors and omissions insurance.
Tools, equipment and inland marineNot listedListed 38Zurich’s commercial property page separately lists Inland Marine coverages, including contractors’ equipment and warehouse liability; do not equate its broader Marine portfolio with this line.
Umbrella and excess liabilityNot listedListed 37Zurich markets commercial umbrella and excess liability insurance; the cited facility is not a universal Zurich limit.
Workers’ compensationListed 3Pie Insurance offers workers’ compensation insurance for small businesses.Listed 54Zurich markets workers’ compensation insurance.

A listing may be arranged through an insurer or partner. “Not listed” means this catalogue has no separate offering recorded; ask the provider whether it can quote the coverage and request the policy terms.

Current Spot Scores

Each score uses the rubric for that provider’s documented role. Providers with more than one role may have a score for each.

Pie Insurance

Hybrid provider

Broker

5.3/ 10

Assessed provider: Pie Insurance. Scope: Pie Insurance Services, Inc. as producer/administrator; The Pie Insurance Company and Pie Casualty Insurance Company as separately named P&C entities. This review does not assign Pie Casualty to a product without product-specific evidence and does not treat Pie Group Holdings, Inc. as an insurer.

Carrier & MGA

6.3/ 10

Assessed provider: Pie Insurance. Scope: Pie Insurance Services, Inc. as producer/administrator; The Pie Insurance Company and Pie Casualty Insurance Company as separately named P&C entities. This review does not assign Pie Casualty to a product without product-specific evidence and does not treat Pie Group Holdings, Inc. as an insurer.

Provider assessment

Zurich U.S.

Carrier

Carrier & MGA

No Spot Score

Assessed entity: Zurich American Insurance Company. Scope: Evidence record for Zurich U.S. brand and named insurer Zurich American Insurance Company (ZAIC); corporate ratings are specific to the named issuer where stated, while conduct and customer sources keep their own entity/jurisdiction/product scopes. No Spot Score or reliability rating is assigned.

Provider assessment

Review Scores

These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.

Pie Insurance

1.7/ 10

Review Score

2 rated sources

Pie’s service record raises clear concerns: elevated regulator complaints reported by NerdWallet, 1.7/5 on Trustpilot and an F from BBB. Investigate billing, cancellation and complaint handling before buying.[1][4][6]

Read Pie Insurance reviews

Zurich U.S.

-/ 10

Review Score

The available Zurich review evidence is mixed and comes from distinct populations: a car-rental-business editorial rating, broad global and U.S. review-platform snapshots, and a BBB business-profile grade. These are not a representative measure of every Zurich commercial policy or claim.[1][4][5][6][7]

Read Zurich U.S. reviews

How The Buying Route Differs

Pie Insurance's published role points to commercial insurance products and services; Zurich describes a commercial insurer group that works through agents and brokers. That distinction can guide whom you contact first: use Pie Insurance when its documented channel and service model fit your need, and ask a broker who can quote the Zurich product you want to compare. The specific producer and insurer still depend on the proposal and policy documents. 2 5 3 7 8 9 10 56 57 61 62

The application path affects who prepares the submission and which details your team must assemble. Compare Pie Insurance's described application route with Zurich's broker-directed route for your product, locations, and operations. Ask each contact what information is still missing and what written confirmation marks the point when coverage is bound. 2 1 3 61 62

Use both companies' published customer descriptions as routing clues. Check whether your industry's operations, company size, locations, and contract requirements match the audience described in each quote conversation; a stated focus does not establish that an insurer will accept your risk. 2 3 56 61

What The Coverage Lists Show

The current coverage lists overlap on Workers’ compensation, Cyber liability, General liability. Pie Insurance also lists Business owner’s policy among its documented lines; Zurich's list also names Directors and officers and Technology errors and omissions (E&O). A shared label is only a starting point: compare the proposed forms, limits, retentions, exclusions, and conditions for your specific operations. 3 7 8 10 27 28 34 35 54

Application And Ongoing Service

After a quote is prepared, compare the service each company describes with the route you will use. Ask whether your account includes portal access, who handles certificates and midterm changes, who coordinates renewal review, and where to report a claim. The published service descriptions do not establish the commitments in your own agreement. 15 16 63

Questions To Ask Before You Choose

  • Which legal insurer will issue each quoted policy, and which producer is responsible for placement?
  • Which forms, limits, retentions, exclusions, and state or business eligibility rules apply to the exposure you need to insure?
  • What application materials or follow-up does each route require, and what event confirms coverage is bound?
  • Who handles certificates, midterm changes, renewal review, and first notice of claim?
  • How are premium, taxes, fees, commissions, and any contingent compensation disclosed for this placement?

The public records explain the companies' roles and processes, but only an applicant-specific proposal and issued policy can answer those questions for your business. 2 1 3 61 62 63 66

Compare Services

What each provider documents about the services you may need

CriteriaPie InsuranceZurich U.S.
Business role

Small businesses can buy Pie’s workers’ compensation directly or through agents; affiliated insurers underwrite workers’ comp, while outside insurers provide some other Pie products. 2,5,3,7,8,9,10Company-reported. Current public Pie brand and US small-business insurance services; this describes group roles, not a promise that every product is available to every applicant.

If parent-company ownership matters, Pie Group Holdings, Inc. owns the website and is regulator-listed parent of Pie Casualty; AM Best identifies the insurer group as Pie Insurance Group. 4,24,22Verified. Website ownership and the parent shown for Pie Casualty Insurance Company; no claim about voting control or every intermediate subsidiary.

Pie Insurance Services, Inc. is the producer that sells and administers policies; verify its current license in your state because Pie’s own license page is not regulator confirmation. 5,25Company-reported. Producer identity and Pie-published US license list; Wisconsin’s regulator separately identifies this entity in a 2024 administrative action.

Zurich U.S. describes its business as commercial property-casualty and specialty insurance solutions and services within Zurich Insurance Group. 56,57Company-reported. Zurich U.S. operating brand; U.S. business; company description, not legal-entity or insurer attribution for an individual policy.

Zurich’s 2026 history page describes a planned transition from Zurich North America to Zurich U.S.; the reviewed page does not give a completion date. 60Company-reported. Brand naming only. No Zurich North America alias added pending clear evidence of completion.

Customer focus

Small businesses looking for workers’ compensation can approach Pie directly or through local, regional and national agencies. 2,3Company-reported. US small-business workers’ compensation distribution described on Pie’s current About and product pages.

Zurich U.S. describes serving Middle Market businesses and large or national accounts across industries including automotive, agriculture, construction, manufacturing and technology. 56,61Company-reported. Company-reported U.S. customer positioning; examples do not establish that a specific risk is eligible.

Application process

Small businesses can start a workers’ compensation quote online or through an insurance agent; agencies use a separate partner portal. 2,1,3Company-reported. Workers’ compensation access for small businesses and agencies; other product pages direct buyers to quote or contact flows but do not document the same process.

Have your ZIP, payroll and class-code details ready for a Pie workers’ compensation quote; its online intake begins with ZIP code. 6,3Company-reported. Unauthenticated first step and Pie’s description of workers’ compensation quote inputs; no data was entered and the flow was not advanced.

Pie advertises a workers’ compensation quote in about three minutes, but this company estimate does not predict underwriting or binding time. 3,1Company-reported. Workers’ compensation quote marketing; no timed independent quote test was performed.

Zurich directs commercial buyers to agents and brokers and provides a locator. The reviewed pages do not establish a general direct online purchase flow. 61,62Company-reported. Zurich U.S. commercial customer route; reviewed agent/contact pages; not a conclusion that direct placement is unavailable in every program.

Servicing and renewals

Pie policyholders can manage payments, download documents and request workers’ comp certificates online; custom certificates may require your agent. 15,16Company-reported. Published workers’ compensation account tutorial; authenticated features were not accessed or independently tested.

Budget for a workers’ comp premium audit: Pie replaces estimated payroll with actual figures and may request payroll, employee, expense and subcontractor records, which can change your final premium. 19Company-reported. Pie workers’ compensation premium audit process; the page does not quantify any resulting additional charge or refund.

Pie’s consumer FAQ describes a workers’ compensation renewal quote about 30 days before expiry for review and acceptance. Its agency FAQ says previews for policies under $20,000 go to the insured with the agency copied, while previews for policies over $20,000 go to the producer; unless otherwise notified, the deposit is drafted and the renewal issued five days before its effective date. The FAQ does not specify the exact-$20,000 case. Ask which notice and payment process applies to your account. 16,21Company-reported. Different company-published consumer and agency descriptions of workers’ compensation renewal. Neither guarantees renewal or unchanged terms; the account notice determines the applicable process.

Zurich describes an online portal for existing customers to view policy documents and endorsements, track claims, review risk-improvement actions and contact Zurich. The reviewed pages do not explain renewal handling. 63Company-reported. Company-described My Zurich functions for existing policyholders; renewal details were not found in these reviewed pages.

Sources

Pie Insurance Official Website

  1. Pie Insurance. Pie Insurance; Homepage: small-business audience; direct workers’ compensation quote; online account; footer entity, insurer and availability qualifications. Accessed 2026-09-15.
  2. About Pie Insurance. Pie Insurance; About Pie; direct and agency distribution; footer legal disclosure. Accessed 2026-09-15.
  3. Workers’ Comp Insurance For Small Businesses. Pie Insurance; Get a workers’ compensation quote online; insurance made for your small business; quote inputs; coverage description; quote-time and savings qualifications; AM Best link. Accessed 2026-09-16.
  4. Terms Of Use. Pie Insurance; Updated 26 April 2022; Ownership and Agreement to Terms; geographic and product eligibility; policy controls coverage. Accessed 2026-09-15.
  5. Legal. Pie Insurance; State Licenses; footer disclosure naming producer and workers’ compensation versus third-party underwriting roles. Accessed 2026-09-15.
  6. Pie Insurance — Quote. Pie Insurance; First step: Business ZIP Code. Accessed 2026-09-15.
  7. Business Owner’s Policy. Pie Insurance; BOP definition; typical components; Make sure you’re covered: Start your BOP quote; footer third-party insurer qualification. Accessed 2026-09-16.
  8. Cyber Insurance For Small Businesses. Pie Insurance; First- and third-party descriptions; carrier-partner quote invitation; policy-variation qualification. Accessed 2026-09-16.
  9. Errors And Omissions Insurance. Pie Insurance; Errors and Omissions Insurance hero (E&O and professional liability equivalence); typical claims; Make sure you’re covered: insurance carrier partners, Start now; footer third-party professional liability insurers. Accessed 2026-09-16.
  10. General Liability Insurance. Pie Insurance; Typical covered categories; Make sure you are covered: carrier-partner quote invitation; legal footer: third-party insurers not affiliated with Pie. Accessed 2026-09-16.
  11. Workers’ Comp Coverage By State. Pie Insurance; Headline says 40 states and the District of Columbia; rendered state selector listed 39 state names and omitted New York and D.C. Accessed 2026-09-15.
  12. Agency Document Library. Pie Insurance; Workers’ Comp State Documents: 40 named states plus Washington, D.C. Accessed 2026-09-15.
  13. Pie Insurance Reports Strong 2025. Pie Insurance; 13 January 2026 release; Key 2025 Milestones says 39 states plus Washington, D.C.; company and distribution description. Accessed 2026-09-15.
  14. Commercial Auto Claim FAQs. Pie Insurance; Does Pie offer commercial auto insurance?; submission cutoff 1 December 2025; no new or renewal policies on or after 1 January 2026; legacy claim guidance. Accessed 2026-09-15.
  15. 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.
  16. Workers’ Comp FAQs. Pie Insurance; Certificates; specific and blanket waiver requests, two-business-day response and state-dependent charge; Billing & Payments; Policy Renewal / When will I know it’s time to renew my policy? (approximately 30 days before expiry, quote for review and acceptance); Annual Audit; Claims. Accessed 2026-09-29.
  17. Payment Options. Pie Insurance; Annual, semi-annual, quarterly, monthly and pay-as-you-go schedules; payment methods; 3% card fee and state exceptions. Accessed 2026-09-15.
  18. Pay-As-You-Go With Pie Insurance. Pie Insurance; No initial deposit; actual-payroll monthly premium; automatic deductions; payroll-provider coordination. Accessed 2026-09-15.
  19. Your Workers’ Comp Premium Audit. Pie Insurance; Required annual audit; estimated versus actual payroll; audit partner; requested payroll, employee, cash-expense and subcontractor certificate records. Accessed 2026-09-15.
  20. File Your Claim Within 24 Hours. Pie Insurance; Workers’ compensation reporting by online form, 24/7 phone or email; information requested; post-report coverage determination. Accessed 2026-09-15.
  21. Partner FAQ. Pie Insurance; How does Pie handle claims? (workers’ compensation in 34 states; CorVel in Alaska, Mississippi, Nevada, New Mexico and Oregon); How does Pie pay commissions? (new and renewing policies, earned premium); How does Pie handle renewals? (30-day preview: under $20,000 to insured with agency copied, over $20,000 to producer; unless otherwise notified, deposit draft and renewal issuance five days before effective date; exact $20,000 case unstated); Renewal Billing. Accessed 2026-09-29.
  22. AM Best Rating Disclosure Report — Pie Casualty Insurance Company. AM Best Rating Services, Inc.; Page 1: A- (Excellent), Stable, affirmed 24 April 2026; page 14: rating unit, group insurer acquisitions, 100% workers’ compensation writing through PCIC and TPIC from 1 January 2024, 40 states and D.C. Accessed 2026-09-15.
  23. The Pie Insurance Company — Company Details. Missouri Department of Commerce and Insurance; Company name; active license status; NAIC 21857; property-and-casualty authority; 2025 workers’ compensation market data. Accessed 2026-09-15.
  24. Pie Casualty Insurance Company — Entity Details. Illinois Department of Insurance; Legal name; P&C Domestic Stock; active status; NAIC 10997; Pie Group Holdings, Inc. parent. Accessed 2026-09-15.
  25. Administrative Actions — January 2024. Wisconsin Office of the Commissioner of Insurance; Allegations and Actions Against Companies: Pie Insurance Services, Inc. agreed to add a disclaimer to its “save up to 30%” advertising claim after misleading-advertising allegations. Accessed 2026-09-15.

Zurich U.S. Official Website

  1. Business insurance for public & private companies | Zurich. Zurich U.S.; Zurich U.S. commercial coverage catalogue; line navigation and product links. Accessed 2026-09-28.
  2. Commercial Casualty Insurance | Zurich Insurance. Zurich U.S.; Insurance solutions for commercial casualty / Domestic Casualty Solutions; explicitly lists Zurich General Liability, Workers’ Compensation, Commercial Auto and Excess Liability. Accessed 2026-09-28.
  3. Management Liability Insurance | Zurich U.S. Zurich U.S.; Management liability, D&O, crime, fiduciary, EPLI. Accessed 2026-09-28.
  4. Directors and Officers Liability Insurance (D&O) | Zurich U.S. Zurich U.S.; D&O coverage, target companies, claims team. Accessed 2026-09-28.
  5. Employment Practices Liability Insurance (EPLI) | Zurich U.S. Zurich U.S.; EPLI protection, coverage features, risk services. Accessed 2026-09-28.
  6. Fiduciary Liability Insurance | Zurich U.S. Zurich U.S.; Fiduciary products, exposures, customers, services. Accessed 2026-09-28.
  7. Commercial Crime & Fidelity Insurance Coverage | Zurich U.S. Zurich U.S.; Crime product, standalone/package availability, loss examples, risk assessment services. Accessed 2026-09-28.
  8. ERISA Fidelity Bond | Zurich U.S. Insurance. Zurich U.S.; ERISA Fidelity Bond options, limits, eligibility, insurer, underwriting conditions. Accessed 2026-09-28.
  9. Errors and Omissions Insurance – E&O | Zurich Insurance. Zurich U.S.; Pro Plus coverage, targeted classes, policy structure, claims and underwriting. Accessed 2026-09-28.
  10. Cyber Security Insurance and Coverage | Zurich Insurance. Zurich U.S.; Cyber policy types, customer segments, primary/excess, incident response. Accessed 2026-09-28.
  11. Zurich Cyber Insurance Policy. Zurich U.S.; Large/global cyber policy coverage and claims/response resources. Accessed 2026-09-28.
  12. Commercial Umbrella Insurance Coverage | Zurich Insurance. Zurich U.S.; Umbrella and excess coverage forms, crisis expense limit, excess claims-made facility. Accessed 2026-09-28.
  13. Commercial Property Insurance: Building & Business | Zurich. Zurich U.S.; Property forms, customer segments, business interruption, risk engineering, marine. Accessed 2026-09-28.
  14. Insurance for Construction Companies | Zurich Insurance. Zurich U.S.; Builders risk offering; construction customers; construction coverages and risk services. Accessed 2026-09-28.
  15. Vehicle Rental Business Insurance: Car, Motorcycle, Truck, RV | Zurich. Zurich U.S.; Commercial rental fleets, auto liability and physical damage, application and claims. Accessed 2026-09-28.
  16. Surety Bond Company: Construction & Corporate | Zurich. Zurich U.S.; Contract and commercial surety, products, jurisdictions, transaction tools. Accessed 2026-09-28.
  17. 2025 U.S. Small Commercial Insurance Study. J.D. Power; Indexed 2025 ranking PDF URL returned 404 when opened; score table not verified. Accessed 2026-09-28.
  18. 2025 U.S. Small Commercial Insurance Study - JD Power. J.D. Power; 2025 study methodology, sample size and field dates. Accessed 2026-09-28.
  19. U.S. Small Commercial Insurance Study - JD Power. J.D. Power; 2025 and 2026 profiled target brands and publication dates. Accessed 2026-09-28.
  20. Best Insurance Companies for Car Rental Businesses - NerdWallet. NerdWallet; Zurich 4.5/5 business editorial rating; commercial auto rental fleets; complaint analysis. Accessed 2026-09-28.
  21. Zurich Insurance Reviews | Trustpilot. Trustpilot; Global Zurich Insurance profile, TrustScore and review count. Accessed 2026-09-28.
  22. Zurich Property & Casualty Insurance Reviews from Real Customers | ConsumerAffairs. ConsumerAffairs; Zurich P&C profile rating/review count and mixed reviewer topics. Accessed 2026-09-28.
  23. Zurich American Insurance Company | BBB Business Profile. BBB; Business grade, accreditation, Zurich NA description and line list. Accessed 2026-09-28.
  24. Zurich American Insurance Company | BBB Reviews | Better Business Bureau. BBB; Customer Review Ratings and review count. Accessed 2026-09-28.
  25. NAIC Consumer Insurance Search. NAIC; Company/state/line consumer complaint lookup; interactive result did not render. Accessed 2026-09-28.
  26. List of financial strength and issuer credit ratings | Zurich Insurance. Zurich Insurance Group; Current ratings for Zurich American Insurance Company. Accessed 2026-09-28.
  27. AM Best Affirms Credit Ratings of Zurich Insurance Group Ltd and Its Main Rated Subsidiaries. AM Best; September 4, 2026 affirmations for Zurich American Insurance Company. Accessed 2026-09-28.
  28. ERISA Fidelity Bond | Zurich U.S. Insurance. Zurich U.S.; Product-page underwriting jurisdiction caveat; individual North American insurance entities. Accessed 2026-09-28.
  29. Workers’ Compensation Insurance | Zurich Insurance. Zurich U.S.; Medical management, claims reporting and worker benefits. Accessed 2026-09-28.
  30. Commercial Builders Risk Program | Zurich Insurance. Zurich U.S.; Builders Risk - Commercial; direct product overview and FAQ: coverage, appetite, ineligible projects, options, limits, application, geography, admission and program highlights (HTML lines 270–411). Accessed 2026-09-28.
  31. About Us | Zurich U.S. | Commercial Insurance. Zurich U.S.; About Zurich U.S.; customer and industry description; FAQ on U.S. product focus. Accessed 2026-09-28.
  32. About Zurich U.S. | Zurich U.S. Insurance. Zurich U.S.; Opening paragraphs; relationship to Zurich Insurance Group. Accessed 2026-09-28.
  33. Terms of Use from Zurich U.S. | Zurich Insurance. Zurich American Insurance Company / Zurich U.S.; §1 site operator; §5 reproduction rights; §16 Zurich American Insurance Company, NAIC 16535, and provider-published all-state/listed-territory licensing disclosure; §17 member-company list. Accessed 2026-09-29.
  34. Zurich Insurance Group Annual Results 2025. Zurich Insurance Group Ltd; Note 27, Table 27.1, printed p.126: voting rights and ownership interest at 2025-12-31. Accessed 2026-09-28.
  35. Zurich U.S. History. Zurich U.S.; 2026 history page, planned transition wording; completion date not stated. Accessed 2026-09-28.
  36. Agents and Brokers | Zurich U.S. Zurich U.S.; Agent/broker route and locator. Accessed 2026-09-28.
  37. Contact Zurich U.S. Zurich U.S.; Commercial insurance contact routes. Accessed 2026-09-28.
  38. My Zurich customer portal. Zurich U.S.; Existing-policyholder portal functions. Accessed 2026-09-28.
  39. Report a Claim. Zurich U.S.; Claim notice methods and stated acknowledgment workflow. Accessed 2026-09-28.
  40. Customer Care Center. Zurich U.S.; Published customer-care hours and contact. Accessed 2026-09-28.
  41. Zurich Producer Compensation. Zurich U.S. (company-reported); Disclosure updated May 2026: base/contingent arrangements and independently operating program administrator exclusion. Accessed 2026-09-28.

Updated . Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. Editorial policy. To suggest a correction, contact Spot with the page URL and supporting source.

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