---
title: "Pie Insurance vs Zurich U.S."
description: "Compare Pie Insurance and Zurich U.S. by business role, documented product lines, application route, and policyholder service."
canonical: "https://spot.insure/compare/pie-insurance-vs-zurich"
page-type: "provider-comparison"
updated-at: "2026-09-30"
---

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, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot 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-zurich)

# Pie Insurance vs Zurich U.S.

Compare Pie Insurance and Zurich U.S. by business role, documented product lines, application route, and policyholder service.

## Before You Quote

Ask each provider about eligibility, the issuing insurer, policy wording, limits, retentions, exclusions and costs for your business.

## Highlights

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](https://www.pieinsurance.com/about "About Pie Insurance") [5](https://www.pieinsurance.com/legal "Legal") [3](https://www.pieinsurance.com/workers-comp "Workers’ Comp Insurance For Small Businesses") [7](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner’s Policy") [8](https://www.pieinsurance.com/small-business-insurance/cyber-insurance "Cyber Insurance For Small Businesses") [9](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors And Omissions Insurance") [10](https://www.pieinsurance.com/small-business-insurance/general-liability "General Liability Insurance") [1](https://www.pieinsurance.com/ "Pie Insurance") [15](https://www.pieinsurance.com/resource-center/online-account-tutorial "Online Account Tutorial") [16](https://www.pieinsurance.com/workers-comp/resources/frequently-asked-questions "Workers’ Comp FAQs") [56](https://www.zurichna.com/about "About Us | Zurich U.S. | Commercial Insurance") [57](https://www.zurichna.com/media/about-zurich "About Zurich U.S. | Zurich U.S. Insurance") [61](https://www.zurichna.com/brokers "Agents and Brokers | Zurich U.S.") [62](https://www.zurichna.com/about/contact-us "Contact Zurich U.S.") [63](https://www.zurichna.com/digital-application-suite "My Zurich customer portal")

## Provider Reliability Assessments

These sourced assessments are shown for context; this comparison does not select a winner.

### Pie Insurance

Role: Hybrid role.

Broker Spot Score: **5.3/10** (partial score; 45% of this role's weighting included). Assessed 2026-09-23; review due 2026-10-23. Excluded factors: Carrier-Network Strength (The reviewed evidence does not name the carrier and capacity arrangements behind the assessed programs, so the relationships cannot be assessed.); Regulatory Conduct (A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable.).

Carrier & MGA Spot Score: **6.3/10** (partial score; 25% of this role's weighting included). Assessed 2026-09-23; review due 2026-10-23. Excluded factors: Financial Resilience (AM Best rates Pie Casualty Insurance Company A- (Excellent) with a stable outlook, but no reviewed source maps that insurer to a Pie product, and the Missouri figures for The Pie Insurance Company cover one state and one line. The issuing entity’s own resources for the assessed scope are not established.); Claims and Servicing (The evidence does not sufficiently establish responsibility, access and escalation across the assessed services.); Carrier-Network Strength (The reviewed evidence does not name the carrier and capacity arrangements behind the assessed programs, so the relationships cannot be assessed.); Regulatory Conduct (A complete, exact-entity regulatory-conduct review for the preceding five years is unavailable.).

Read the [full reliability assessment](https://spot.insure/insurance-providers/pie-insurance/reliability).

### Zurich U.S.

Role: Insurance carrier.

Carrier & MGA Spot Score: **Not Rated**. Assessed 2026-09-29; review due 2026-10-29.

Read the [full reliability assessment](https://spot.insure/insurance-providers/zurich/reliability).

## Pie Insurance Reviews

Review Score: 1.7 / 10 from 2 rated sources, equally weighted.

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.

- Trustpilot: TrustScore 1.7 (5 stars); 666 reviews. Brand-level Trustpilot consumer reviews; policy product is generally identified as workers’ compensation, but reviewer policy/entity scope varies. Checked 2026-09-25. [Pie Insurance Reviews - Trustpilot](https://www.trustpilot.com/review/www.pieinsurance.com)
- BBB: BBB Rating F (BBB letter grade). BBB profile for commercial insurance services; BBB grade and complaint-response record, not policy performance measure. Period: BBB profile reports 15 complaints filed, 13 unanswered; complaint data, not reviews. Checked 2026-09-25. [Pie Insurance Services | BBB Business Profile](https://www.bbb.org/us/dc/washington/profile/commercial-insurance-services/pie-insurance-services-0241-236060990)

Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/pie-insurance/reviews).

## Zurich U.S. Reviews

Review Score: not enough ratings.

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.

- NerdWallet: editorial rating 4.5 (5). U.S. commercial rental-fleet insurance publisher review; editorial evaluation, not a consumer average or all-line Zurich result. Period: Page updated July 10, 2026. Checked 2026-09-29. [Best Insurance Companies for Car Rental Businesses](https://www.nerdwallet.com/business/insurance/learn/car-rental-business-insurance)
- Trustpilot: TrustScore 1.2 (5); 748 reviews. Global Zurich Insurance Group profile; mixed countries and products, not U.S. commercial-policyholder satisfaction. Period: Snapshot 2026-09-29. Checked 2026-09-29. [Zurich Insurance Reviews](https://www.trustpilot.com/review/www.zurich.com)
- ConsumerAffairs: customer rating 1.0 (5); 72 reviews. U.S. Zurich North America/Property & Casualty profile; mixed products and customer populations, not line-specific commercial results. Period: Snapshot 2026-09-29. Checked 2026-09-29. [Zurich Property & Casualty Insurance Reviews from Real Customers](https://www.consumeraffairs.com/insurance/zurich-north-america-insurance.html)
- BBB: customer review rating 1.14 (5); 116 reviews. Customer-submitted reviews on the Zurich American Insurance Company profile; not a line-specific or representative policyholder survey. Period: Snapshot 2026-09-29. Checked 2026-09-29. [Zurich American Insurance Company Customer Reviews](https://www.bbb.org/us/tx/dallas/profile/insurance-companies/zurich-american-insurance-company-0875-90008903/customer-reviews)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/zurich/reviews).

## 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](https://www.pieinsurance.com/about "About Pie Insurance") [5](https://www.pieinsurance.com/legal "Legal") [3](https://www.pieinsurance.com/workers-comp "Workers’ Comp Insurance For Small Businesses") [7](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner’s Policy") [8](https://www.pieinsurance.com/small-business-insurance/cyber-insurance "Cyber Insurance For Small Businesses") [9](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors And Omissions Insurance") [10](https://www.pieinsurance.com/small-business-insurance/general-liability "General Liability Insurance") [61](https://www.zurichna.com/brokers "Agents and Brokers | Zurich U.S.") [62](https://www.zurichna.com/about/contact-us "Contact Zurich U.S.")



## Coverage Comparison

| Coverage Type | Pie Insurance | Zurich U.S. |
| --- | --- | --- |
| [Builders risk](https://spot.insure/coverage/builders-risk) | Not listed | Listed: Zurich markets a Commercial Builders Risk program for construction projects; the project-value language conflicts within Zurich’s own page and requires confirmation. [55](https://www.zurichna.com/insurance/zpm/construction/commercial "Commercial Builders Risk Program | Zurich Insurance") |
| [Business owner’s policy](https://spot.insure/coverage/business-owners-policy) | Listed: Pie accepts business owner’s policy quote requests. [7](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner’s Policy") | Not listed |
| [Commercial auto](https://spot.insure/coverage/commercial-auto) | Not listed | Listed: Zurich markets commercial auto for rental fleets; the reviewed source does not establish the same terms for all commercial-auto classes. [40](https://www.zurichna.com/insurance/auto-rental "Vehicle Rental Business Insurance: Car, Motorcycle, Truck, RV | Zurich") |
| [Commercial property](https://spot.insure/coverage/commercial-property) | Not listed | Listed: Zurich markets commercial property insurance. [38](https://www.zurichna.com/insurance/commercial-property "Commercial Property Insurance: Building & Business | Zurich") |
| [Crime](https://spot.insure/coverage/crime) | Not listed | Listed: Zurich markets commercial crime insurance as standalone policies and as package solutions; package structure is distinct from any specific policy terms. [32](https://www.zurichna.com/insurance/management-liability/crime-insurance "Commercial Crime & Fidelity Insurance Coverage | Zurich U.S.") |
| [Cyber liability](https://spot.insure/coverage/cyber) | Listed: Pie provides access to cyber insurance quotes from carrier partners. [8](https://www.pieinsurance.com/small-business-insurance/cyber-insurance "Cyber Insurance For Small Businesses") | Listed: Zurich markets cyber insurance for businesses; cover and policy form depend on the selected product. [35](https://www.zurichna.com/insurance/cyber "Cyber Security Insurance and Coverage | Zurich Insurance") |
| [Directors and officers](https://spot.insure/coverage/directors-officers) | Not listed | Listed: Zurich markets directors and officers liability insurance. [28](https://www.zurichna.com/insurance/management-liability "Management Liability Insurance | Zurich U.S.") |
| [Employment practices liability](https://spot.insure/coverage/employment-practices) | Not listed | Listed: Zurich markets Employment Practices Liability Insurance (EPLI). [30](https://www.zurichna.com/insurance/management-liability/employment-practices-liability-insurance "Employment Practices Liability Insurance (EPLI) | Zurich U.S.") |
| [Fidelity bonds](https://spot.insure/coverage/fidelity-bonds) | Not listed | Listed: Zurich markets ERISA fidelity bond options; this product page identifies Zurich American Insurance Company as underwriter and states approved-state availability. [33](https://www.zurichna.com/insurance/management-liability/erisa-fidelity-bond "ERISA Fidelity Bond | Zurich U.S. Insurance") |
| [Fiduciary liability](https://spot.insure/coverage/fiduciary) | Not listed | Listed: Zurich markets fiduciary liability insurance. [28](https://www.zurichna.com/insurance/management-liability "Management Liability Insurance | Zurich U.S.") |
| [General liability](https://spot.insure/coverage/general-liability) | Listed: Pie arranges general liability insurance through unaffiliated third-party insurers. [10](https://www.pieinsurance.com/small-business-insurance/general-liability "General Liability Insurance") | Listed: Zurich’s U.S. catalogue describes commercial general liability protection for business bodily injury, property damage and personal injury claims. [27](https://www.zurichna.com/insurance/casualty "Commercial Casualty Insurance | Zurich Insurance") [26](https://www.zurichna.com/insurance "Business insurance for public & private companies | Zurich") |
| [Management liability](https://spot.insure/coverage/management-liability) | Not listed | Listed: Zurich markets a management liability portfolio with multiple distinct lines. [28](https://www.zurichna.com/insurance/management-liability "Management Liability Insurance | Zurich U.S.") |
| [Professional errors and omissions (E&O)](https://spot.insure/coverage/professional-errors-omissions) | Listed: Pie Insurance arranges professional errors and omissions insurance for small businesses through third-party insurers. [9](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors And Omissions Insurance") | Listed: Zurich markets professional errors and omissions insurance. [34](https://www.zurichna.com/insurance/errors-and-omissions "Errors and Omissions Insurance – E&O | Zurich Insurance") |
| [Surety bonds](https://spot.insure/coverage/surety-bonds) | Not listed | Listed: Zurich markets construction and corporate surety bonds. [41](https://www.zurichna.com/insurance/surety "Surety Bond Company: Construction & Corporate | Zurich") |
| [Technology errors and omissions (E&O)](https://spot.insure/coverage/technology-errors-omissions) | Not listed | Listed: Zurich markets technology errors and omissions insurance. [34](https://www.zurichna.com/insurance/errors-and-omissions "Errors and Omissions Insurance – E&O | Zurich Insurance") |
| [Tools, equipment and inland marine](https://spot.insure/coverage/inland-marine) | Not listed | Listed: Zurich’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. [38](https://www.zurichna.com/insurance/commercial-property "Commercial Property Insurance: Building & Business | Zurich") |
| [Umbrella and excess liability](https://spot.insure/coverage/umbrella-excess) | Not listed | Listed: Zurich markets commercial umbrella and excess liability insurance; the cited facility is not a universal Zurich limit. [37](https://www.zurichna.com/insurance/umbrella "Commercial Umbrella Insurance Coverage | Zurich Insurance") |
| [Workers’ compensation](https://spot.insure/coverage/workers-compensation) | Listed: Pie Insurance offers workers’ compensation insurance for small businesses. [3](https://www.pieinsurance.com/workers-comp "Workers’ Comp Insurance For Small Businesses") | Listed: Zurich markets workers’ compensation insurance. [54](https://www.zurichna.com/insurance/workers-compensation "Workers’ Compensation Insurance | Zurich 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.



## Optional Spot Service Handoff

Spot can help prepare applications, coordinate brokers, and compare proposals. If that work is needed, collect the company's task, known deadline, current broker, and open questions for a [free consultation](https://spot.insure/pricing.md). The company decides what to buy; Spot does not automatically bind coverage.

## 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](https://www.pieinsurance.com/about "About Pie Insurance") [5](https://www.pieinsurance.com/legal "Legal") [3](https://www.pieinsurance.com/workers-comp "Workers’ Comp Insurance For Small Businesses") [7](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner’s Policy") [8](https://www.pieinsurance.com/small-business-insurance/cyber-insurance "Cyber Insurance For Small Businesses") [9](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors And Omissions Insurance") [10](https://www.pieinsurance.com/small-business-insurance/general-liability "General Liability Insurance") [56](https://www.zurichna.com/about "About Us | Zurich U.S. | Commercial Insurance") [57](https://www.zurichna.com/media/about-zurich "About Zurich U.S. | Zurich U.S. Insurance") [61](https://www.zurichna.com/brokers "Agents and Brokers | Zurich U.S.") [62](https://www.zurichna.com/about/contact-us "Contact Zurich U.S.")

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](https://www.pieinsurance.com/about "About Pie Insurance") [1](https://www.pieinsurance.com/ "Pie Insurance") [3](https://www.pieinsurance.com/workers-comp "Workers’ Comp Insurance For Small Businesses") [61](https://www.zurichna.com/brokers "Agents and Brokers | Zurich U.S.") [62](https://www.zurichna.com/about/contact-us "Contact Zurich U.S.")

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](https://www.pieinsurance.com/about "About Pie Insurance") [3](https://www.pieinsurance.com/workers-comp "Workers’ Comp Insurance For Small Businesses") [56](https://www.zurichna.com/about "About Us | Zurich U.S. | Commercial Insurance") [61](https://www.zurichna.com/brokers "Agents and Brokers | Zurich U.S.")

## 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](https://www.pieinsurance.com/workers-comp "Workers’ Comp Insurance For Small Businesses") [7](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner’s Policy") [8](https://www.pieinsurance.com/small-business-insurance/cyber-insurance "Cyber Insurance For Small Businesses") [10](https://www.pieinsurance.com/small-business-insurance/general-liability "General Liability Insurance") [27](https://www.zurichna.com/insurance/casualty "Commercial Casualty Insurance | Zurich Insurance") [28](https://www.zurichna.com/insurance/management-liability "Management Liability Insurance | Zurich U.S.") [34](https://www.zurichna.com/insurance/errors-and-omissions "Errors and Omissions Insurance – E&O | Zurich Insurance") [35](https://www.zurichna.com/insurance/cyber "Cyber Security Insurance and Coverage | Zurich Insurance") [54](https://www.zurichna.com/insurance/workers-compensation "Workers’ Compensation Insurance | Zurich Insurance")

## 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](https://www.pieinsurance.com/resource-center/online-account-tutorial "Online Account Tutorial") [16](https://www.pieinsurance.com/workers-comp/resources/frequently-asked-questions "Workers’ Comp FAQs") [63](https://www.zurichna.com/digital-application-suite "My Zurich customer portal")

## 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](https://www.pieinsurance.com/about "About Pie Insurance") [1](https://www.pieinsurance.com/ "Pie Insurance") [3](https://www.pieinsurance.com/workers-comp "Workers’ Comp Insurance For Small Businesses") [61](https://www.zurichna.com/brokers "Agents and Brokers | Zurich U.S.") [62](https://www.zurichna.com/about/contact-us "Contact Zurich U.S.") [63](https://www.zurichna.com/digital-application-suite "My Zurich customer portal") [66](https://www.zurichna.com/producercompensation "Zurich Producer Compensation")

## Compare Services

What each provider documents about the services you may need.

| Criteria | Pie Insurance | Zurich 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](https://www.pieinsurance.com/about "About Pie Insurance") [5](https://www.pieinsurance.com/legal "Legal") [3](https://www.pieinsurance.com/workers-comp "Workers’ Comp Insurance For Small Businesses") [7](https://www.pieinsurance.com/small-business-insurance/business-owners-policy "Business Owner’s Policy") [8](https://www.pieinsurance.com/small-business-insurance/cyber-insurance "Cyber Insurance For Small Businesses") [9](https://www.pieinsurance.com/errors-and-omissions-insurance "Errors And Omissions Insurance") [10](https://www.pieinsurance.com/small-business-insurance/general-liability "General Liability Insurance") (Evidence: Company-reported; scope: 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.; verified: 2026-09-15.)<br><br>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](https://www.pieinsurance.com/legal/terms-of-use "Terms Of Use") [24](https://insurance.illinois.gov/applications/RegEntPortal/ViewEntityDetails.aspx?en=982281&s=Active&t=INS "Pie Casualty Insurance Company — Entity Details") [22](https://ratings.ambest.com/DisclosurePDF.aspx?AMBNum=12272&PCA=0 "AM Best Rating Disclosure Report — Pie Casualty Insurance Company") (Evidence: Verified; scope: Website ownership and the parent shown for Pie Casualty Insurance Company; no claim about voting control or every intermediate subsidiary.; verified: 2026-09-15.)<br><br>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](https://www.pieinsurance.com/legal "Legal") [25](https://oci.wi.gov/Pages/PressReleases/AdminActions202401.aspx "Administrative Actions — January 2024") (Evidence: Company-reported; scope: Producer identity and Pie-published US license list; Wisconsin’s regulator separately identifies this entity in a 2024 administrative action.; verified: 2026-09-15.) | Zurich U.S. describes its business as commercial property-casualty and specialty insurance solutions and services within Zurich Insurance Group. [56](https://www.zurichna.com/about "About Us | Zurich U.S. | Commercial Insurance") [57](https://www.zurichna.com/media/about-zurich "About Zurich U.S. | Zurich U.S. Insurance") (Evidence: Company-reported; scope: Zurich U.S. operating brand; U.S. business; company description, not legal-entity or insurer attribution for an individual policy.; verified: 2026-09-29.)<br><br>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. [60](https://www.zurichna.com/about/history "Zurich U.S. History") (Evidence: Company-reported; scope: Brand naming only. No Zurich North America alias added pending clear evidence of completion.; verified: 2026-09-29.) |
| Customer focus | Small businesses looking for workers’ compensation can approach Pie directly or through local, regional and national agencies. [2](https://www.pieinsurance.com/about "About Pie Insurance") [3](https://www.pieinsurance.com/workers-comp "Workers’ Comp Insurance For Small Businesses") (Evidence: Company-reported; scope: US small-business workers’ compensation distribution described on Pie’s current About and product pages.; verified: 2026-09-15.) | Zurich U.S. describes serving Middle Market businesses and large or national accounts across industries including automotive, agriculture, construction, manufacturing and technology. [56](https://www.zurichna.com/about "About Us | Zurich U.S. | Commercial Insurance") [61](https://www.zurichna.com/brokers "Agents and Brokers | Zurich U.S.") (Evidence: Company-reported; scope: Company-reported U.S. customer positioning; examples do not establish that a specific risk is eligible.; verified: 2026-09-29.) |
| Application process | Small businesses can start a workers’ compensation quote online or through an insurance agent; agencies use a separate partner portal. [2](https://www.pieinsurance.com/about "About Pie Insurance") [1](https://www.pieinsurance.com/ "Pie Insurance") [3](https://www.pieinsurance.com/workers-comp "Workers’ Comp Insurance For Small Businesses") (Evidence: Company-reported; scope: 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.; verified: 2026-09-15.)<br><br>Have your ZIP, payroll and class-code details ready for a Pie workers’ compensation quote; its online intake begins with ZIP code. [6](https://quote.pieinsurance.com/ "Pie Insurance — Quote") [3](https://www.pieinsurance.com/workers-comp "Workers’ Comp Insurance For Small Businesses") (Evidence: Company-reported; scope: Unauthenticated first step and Pie’s description of workers’ compensation quote inputs; no data was entered and the flow was not advanced.; verified: 2026-09-15.)<br><br>Pie advertises a workers’ compensation quote in about three minutes, but this company estimate does not predict underwriting or binding time. [3](https://www.pieinsurance.com/workers-comp "Workers’ Comp Insurance For Small Businesses") [1](https://www.pieinsurance.com/ "Pie Insurance") (Evidence: Company-reported; scope: Workers’ compensation quote marketing; no timed independent quote test was performed.; verified: 2026-09-15.) | 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](https://www.zurichna.com/brokers "Agents and Brokers | Zurich U.S.") [62](https://www.zurichna.com/about/contact-us "Contact Zurich U.S.") (Evidence: Company-reported; scope: Zurich U.S. commercial customer route; reviewed agent/contact pages; not a conclusion that direct placement is unavailable in every program.; verified: 2026-09-29.) |
| Servicing and renewals | Pie policyholders can manage payments, download documents and request workers’ comp certificates online; custom certificates may require your agent. [15](https://www.pieinsurance.com/resource-center/online-account-tutorial "Online Account Tutorial") [16](https://www.pieinsurance.com/workers-comp/resources/frequently-asked-questions "Workers’ Comp FAQs") (Evidence: Company-reported; scope: Published workers’ compensation account tutorial; authenticated features were not accessed or independently tested.; verified: 2026-09-15.)<br><br>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. [19](https://www.pieinsurance.com/workers-comp/premium-audit "Your Workers’ Comp Premium Audit") (Evidence: Company-reported; scope: Pie workers’ compensation premium audit process; the page does not quantify any resulting additional charge or refund.; verified: 2026-09-15.)<br><br>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](https://www.pieinsurance.com/workers-comp/resources/frequently-asked-questions "Workers’ Comp FAQs") [21](https://www.pieinsurance.com/agency/faq "Partner FAQ") (Evidence: Company-reported; scope: Different company-published consumer and agency descriptions of workers’ compensation renewal. Neither guarantees renewal or unchanged terms; the account notice determines the applicable process.; verified: 2026-09-29.) | 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. [63](https://www.zurichna.com/digital-application-suite "My Zurich customer portal") (Evidence: Company-reported; scope: Company-described My Zurich functions for existing policyholders; renewal details were not found in these reviewed pages.; verified: 2026-09-29.) |

## Related Reading

- [What Is Pie Insurance?](https://spot.insure/insurance-providers/pie-insurance)
- [Zurich U.S. Business Insurance: Products, Access, and Claims](https://spot.insure/insurance-providers/zurich)

## Related Comparisons

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- [Embroker vs Zurich U.S.](https://spot.insure/compare/embroker-vs-zurich)

## Sources

### [Pie Insurance Official Website](https://www.pieinsurance.com/)

1. [Pie Insurance](https://www.pieinsurance.com/). 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](https://www.pieinsurance.com/about). Pie Insurance; About Pie; direct and agency distribution; footer legal disclosure. Accessed 2026-09-15.
3. [Workers’ Comp Insurance For Small Businesses](https://www.pieinsurance.com/workers-comp). 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](https://www.pieinsurance.com/legal/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](https://www.pieinsurance.com/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](https://quote.pieinsurance.com/). Pie Insurance; First step: Business ZIP Code. Accessed 2026-09-15.
7. [Business Owner’s Policy](https://www.pieinsurance.com/small-business-insurance/business-owners-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](https://www.pieinsurance.com/small-business-insurance/cyber-insurance). Pie Insurance; First- and third-party descriptions; carrier-partner quote invitation; policy-variation qualification. Accessed 2026-09-16.
9. [Errors And Omissions Insurance](https://www.pieinsurance.com/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](https://www.pieinsurance.com/small-business-insurance/general-liability). 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](https://www.pieinsurance.com/agency/states-we-serve). 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](https://www.pieinsurance.com/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](https://www.pieinsurance.com/resource-center/press/2025-year-in-review). 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](https://www.pieinsurance.com/claims/comm-auto-faq). 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](https://www.pieinsurance.com/resource-center/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](https://www.pieinsurance.com/workers-comp/resources/frequently-asked-questions). 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](https://www.pieinsurance.com/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](https://www.pieinsurance.com/pay-as-you-go). Pie Insurance; No initial deposit; actual-payroll monthly premium; automatic deductions; payroll-provider coordination. Accessed 2026-09-15.
19. [Your Workers’ Comp Premium Audit](https://www.pieinsurance.com/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](https://www.pieinsurance.com/claims). 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](https://www.pieinsurance.com/agency/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](https://ratings.ambest.com/DisclosurePDF.aspx?AMBNum=12272&PCA=0). 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](https://insurance.mo.gov/find-insurance-company/company-details?id=104347111). 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](https://insurance.illinois.gov/applications/RegEntPortal/ViewEntityDetails.aspx?en=982281&s=Active&t=INS). 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](https://oci.wi.gov/Pages/PressReleases/AdminActions202401.aspx). 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](https://www.zurichna.com/)

26. [Business insurance for public & private companies | Zurich](https://www.zurichna.com/insurance). Zurich U.S.; Zurich U.S. commercial coverage catalogue; line navigation and product links. Accessed 2026-09-28.
27. [Commercial Casualty Insurance | Zurich Insurance](https://www.zurichna.com/insurance/casualty). 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.
28. [Management Liability Insurance | Zurich U.S.](https://www.zurichna.com/insurance/management-liability) Zurich U.S.; Management liability, D&O, crime, fiduciary, EPLI. Accessed 2026-09-28.
29. [Directors and Officers Liability Insurance (D&O) | Zurich U.S.](https://www.zurichna.com/insurance/management-liability/directors-and-officers-liability-insurance) Zurich U.S.; D&O coverage, target companies, claims team. Accessed 2026-09-28.
30. [Employment Practices Liability Insurance (EPLI) | Zurich U.S.](https://www.zurichna.com/insurance/management-liability/employment-practices-liability-insurance) Zurich U.S.; EPLI protection, coverage features, risk services. Accessed 2026-09-28.
31. [Fiduciary Liability Insurance | Zurich U.S.](https://www.zurichna.com/insurance/management-liability/fiduciary-liability-insurance) Zurich U.S.; Fiduciary products, exposures, customers, services. Accessed 2026-09-28.
32. [Commercial Crime & Fidelity Insurance Coverage | Zurich U.S.](https://www.zurichna.com/insurance/management-liability/crime-insurance) Zurich U.S.; Crime product, standalone/package availability, loss examples, risk assessment services. Accessed 2026-09-28.
33. [ERISA Fidelity Bond | Zurich U.S. Insurance](https://www.zurichna.com/insurance/management-liability/erisa-fidelity-bond). Zurich U.S.; ERISA Fidelity Bond options, limits, eligibility, insurer, underwriting conditions. Accessed 2026-09-28.
34. [Errors and Omissions Insurance – E&O | Zurich Insurance](https://www.zurichna.com/insurance/errors-and-omissions). Zurich U.S.; Pro Plus coverage, targeted classes, policy structure, claims and underwriting. Accessed 2026-09-28.
35. [Cyber Security Insurance and Coverage | Zurich Insurance](https://www.zurichna.com/insurance/cyber). Zurich U.S.; Cyber policy types, customer segments, primary/excess, incident response. Accessed 2026-09-28.
36. [Zurich Cyber Insurance Policy](https://www.zurichna.com/insurance/cyber/policy). Zurich U.S.; Large/global cyber policy coverage and claims/response resources. Accessed 2026-09-28.
37. [Commercial Umbrella Insurance Coverage | Zurich Insurance](https://www.zurichna.com/insurance/umbrella). Zurich U.S.; Umbrella and excess coverage forms, crisis expense limit, excess claims-made facility. Accessed 2026-09-28.
38. [Commercial Property Insurance: Building & Business | Zurich](https://www.zurichna.com/insurance/commercial-property). Zurich U.S.; Property forms, customer segments, business interruption, risk engineering, marine. Accessed 2026-09-28.
39. [Insurance for Construction Companies | Zurich Insurance](https://www.zurichna.com/industries/construction). Zurich U.S.; Builders risk offering; construction customers; construction coverages and risk services. Accessed 2026-09-28.
40. [Vehicle Rental Business Insurance: Car, Motorcycle, Truck, RV | Zurich](https://www.zurichna.com/insurance/auto-rental). Zurich U.S.; Commercial rental fleets, auto liability and physical damage, application and claims. Accessed 2026-09-28.
41. [Surety Bond Company: Construction & Corporate | Zurich](https://www.zurichna.com/insurance/surety). Zurich U.S.; Contract and commercial surety, products, jurisdictions, transaction tools. Accessed 2026-09-28.
42. [2025 U.S. Small Commercial Insurance Study](https://www.jdpower.com/sites/default/files/file/2025-08/2025092%20U.S.%20Small%20Commercial%20Insurance%20Study.pdf). J.D. Power; Indexed 2025 ranking PDF URL returned 404 when opened; score table not verified. Accessed 2026-09-28.
43. [2025 U.S. Small Commercial Insurance Study - JD Power](https://www.jdpower.com/business/press-releases/2025-us-small-commercial-insurance-study). J.D. Power; 2025 study methodology, sample size and field dates. Accessed 2026-09-28.
44. [U.S. Small Commercial Insurance Study - JD Power](https://www.jdpower.com/business/u-s-small-commercial-insurance-study/). J.D. Power; 2025 and 2026 profiled target brands and publication dates. Accessed 2026-09-28.
45. [Best Insurance Companies for Car Rental Businesses - NerdWallet](https://www.nerdwallet.com/business/insurance/learn/car-rental-business-insurance). NerdWallet; Zurich 4.5/5 business editorial rating; commercial auto rental fleets; complaint analysis. Accessed 2026-09-28.
46. [Zurich Insurance Reviews | Trustpilot](https://www.trustpilot.com/review/www.zurich.com). Trustpilot; Global Zurich Insurance profile, TrustScore and review count. Accessed 2026-09-28.
47. [Zurich Property & Casualty Insurance Reviews from Real Customers | ConsumerAffairs](https://www.consumeraffairs.com/insurance/zurich-north-america-insurance.html). ConsumerAffairs; Zurich P&C profile rating/review count and mixed reviewer topics. Accessed 2026-09-28.
48. [Zurich American Insurance Company | BBB Business Profile](https://www.bbb.org/us/tx/dallas/profile/insurance-companies/zurich-american-insurance-company-0875-90008903). BBB; Business grade, accreditation, Zurich NA description and line list. Accessed 2026-09-28.
49. [Zurich American Insurance Company | BBB Reviews | Better Business Bureau](https://www.bbb.org/us/tx/dallas/profile/insurance-companies/zurich-american-insurance-company-0875-90008903/customer-reviews). BBB; Customer Review Ratings and review count. Accessed 2026-09-28.
50. [NAIC Consumer Insurance Search](https://content.naic.org/consumer/insurance-company-search). NAIC; Company/state/line consumer complaint lookup; interactive result did not render. Accessed 2026-09-28.
51. [List of financial strength and issuer credit ratings | Zurich Insurance](https://www.zurich.com/investor-relations/ratings). Zurich Insurance Group; Current ratings for Zurich American Insurance Company. Accessed 2026-09-28.
52. [AM Best Affirms Credit Ratings of Zurich Insurance Group Ltd and Its Main Rated Subsidiaries](https://news.ambest.com/pr/PressContent.aspx?altsrc=2&refnum=37747). AM Best; September 4, 2026 affirmations for Zurich American Insurance Company. Accessed 2026-09-28.
53. [ERISA Fidelity Bond | Zurich U.S. Insurance](https://www.zurichna.com/insurance/management-liability/erisa-fidelity-bond). Zurich U.S.; Product-page underwriting jurisdiction caveat; individual North American insurance entities. Accessed 2026-09-28.
54. [Workers’ Compensation Insurance | Zurich Insurance](https://www.zurichna.com/insurance/workers-compensation). Zurich U.S.; Medical management, claims reporting and worker benefits. Accessed 2026-09-28.
55. [Commercial Builders Risk Program | Zurich Insurance](https://www.zurichna.com/insurance/zpm/construction/commercial). 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.
56. [About Us | Zurich U.S. | Commercial Insurance](https://www.zurichna.com/about). Zurich U.S.; About Zurich U.S.; customer and industry description; FAQ on U.S. product focus. Accessed 2026-09-28.
57. [About Zurich U.S. | Zurich U.S. Insurance](https://www.zurichna.com/media/about-zurich). Zurich U.S.; Opening paragraphs; relationship to Zurich Insurance Group. Accessed 2026-09-28.
58. [Terms of Use from Zurich U.S. | Zurich Insurance](https://www.zurichna.com/services/terms-of-use). 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.
59. [Zurich Insurance Group Annual Results 2025](https://www.zurich.com/-/media-assets/project/zurich/dotcom/investor-relations/docs/results/2025/q4/consolidated-financial-statements-annual-results-2025.pdf). 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.
60. [Zurich U.S. History](https://www.zurichna.com/about/history). Zurich U.S.; 2026 history page, planned transition wording; completion date not stated. Accessed 2026-09-28.
61. [Agents and Brokers | Zurich U.S.](https://www.zurichna.com/brokers) Zurich U.S.; Agent/broker route and locator. Accessed 2026-09-28.
62. [Contact Zurich U.S.](https://www.zurichna.com/about/contact-us) Zurich U.S.; Commercial insurance contact routes. Accessed 2026-09-28.
63. [My Zurich customer portal](https://www.zurichna.com/digital-application-suite). Zurich U.S.; Existing-policyholder portal functions. Accessed 2026-09-28.
64. [Report a Claim](https://www.zurichna.com/claims/report-a-claim). Zurich U.S.; Claim notice methods and stated acknowledgment workflow. Accessed 2026-09-28.
65. [Customer Care Center](https://www.zurichna.com/about/contact-us/customer-care-center). Zurich U.S.; Published customer-care hours and contact. Accessed 2026-09-28.
66. [Zurich Producer Compensation](https://www.zurichna.com/producercompensation). Zurich U.S. (company-reported); Disclosure updated May 2026: base/contingent arrangements and independently operating program administrator exclusion. Accessed 2026-09-28.

Updated 2026-09-30. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [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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