Get Started

Pie Insurance Alternatives

Insurers and agencies that list Pie Insurance’s workers’ compensation, business owner’s policy and cyber lines, and which underwrite directly versus through partners.

Pie Insurance is a small-business commercial insurance group whose producer, Pie Insurance Services, sells and administers policies; its affiliated carriers underwrite workers’ compensation, while business owner’s policy, cyber, general liability and professional liability are offered through unaffiliated third-party insurers. Buyers comparing it for those non-workers’-compensation lines typically look for another provider that names its underwriting insurer directly, since Pie’s public pages don’t identify the currently participating carriers for those products. 1,2,3,4

Absence from Spot’s documented catalogue does not establish that a coverage line is unavailable from a provider; it means Spot’s research does not yet document it.

What to Weigh

Pie says its business owner’s, general liability and professional liability policies are underwritten by unaffiliated third-party insurers, and its cyber page refers to carrier partners without naming them. The insurer actually underwriting one of these products has to come from the quote itself. 2,4,5,6,7

Pie’s dedicated state page and other marketing describe workers’ compensation availability inconsistently: some pages say 40 states plus Washington, D.C., while its homepage and a January 2026 release say 39 states plus D.C. It’s worth confirming a specific business’s location and class codes directly in the quote rather than relying on either count. 8,9,10,11

Pie stopped accepting commercial-auto submissions on December 1, 2025 and says it will issue no new or renewal commercial-auto policies on or after January 1, 2026, though existing policyholders retain coverage through their policy term. A buyer who needs commercial auto alongside Pie’s other lines will need it from another provider. 12,13

Pie’s agency FAQ says Pie itself manages workers’ compensation claims in 34 states while CorVel handles claims in Alaska, Mississippi, Nevada, New Mexico and Oregon, a split that isn’t reconciled with the separately advertised 40-state-plus-D.C. footprint. The current claim handler for a specific policy should come from its state kit and claim instructions rather than the marketing count. 14,8,15

Business owner’s policy

Cyber liability

General liability

Professional errors and omissions (E&O)

Workers’ compensation

Sources

  1. About Pie Insurance. Pie Insurance; About Pie; direct and agency distribution; footer legal disclosure. Accessed 2026-09-15.
  2. Legal. Pie Insurance; State Licenses; footer disclosure naming producer and workers’ compensation versus third-party underwriting roles. 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. 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.
  5. Cyber Insurance For Small Businesses. Pie Insurance; First- and third-party descriptions; carrier-partner quote invitation; policy-variation qualification. Accessed 2026-09-16.
  6. 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.
  7. 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.
  8. 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.
  9. Agency Document Library. Pie Insurance; Workers’ Comp State Documents: 40 named states plus Washington, D.C. Accessed 2026-09-15.
  10. Pie Insurance. Pie Insurance; Homepage: small-business audience; direct workers’ compensation quote; online account; footer entity, insurer and availability qualifications. Accessed 2026-09-15.
  11. 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.
  12. 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.
  13. 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.
  14. Partner FAQ. Pie Insurance; Workers’ compensation claim handling in 34 states; CorVel handling in Alaska, Mississippi, Nevada, New Mexico and Oregon; producer commissions on earned premium. Accessed 2026-09-15.
  15. 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.

Updated 2026-09-23. 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.

Let Spot Handle the Insurance Legwork.

Get help buying coverage and managing renewals, with less paperwork for your team. Start with a free consultation.

Talk to Spot