Is Pie Insurance Legit? Licensing, Carriers and Reliability
Pie Insurance has no Broker Reliability Score because the information we reviewed is not enough for a numerical score. Pie Insurance has no Carrier & MGA Reliability Score because the information we reviewed is not enough for a numerical score. Reliability Scores rate what we could confirm about a provider’s reliability; they do not predict claims payment.
Pie Insurance Reliability Scores for 2026
Pie Insurance Broker Reliability Score
This partial Broker Reliability Score covers identity and authority, disclosure clarity within the scope described on this page. Those factors make up 45% of the full score, normalized to a ten-point scale. The factors left out remain unknown, and evidence for one program does not describe another.
Scored entity unavailable
Pie Insurance Carrier & MGA Reliability Score
This partial Carrier & MGA Reliability Score covers identity and authority, disclosure clarity within the scope described on this page. Those factors make up 25% of the full score, normalized to a ten-point scale. The factors left out remain unknown, and evidence for one program does not describe another.
Scored entity unavailable
What Our Research Found About Pie Insurance
Role: Hybrid provider. Covers: 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.
Pie Insurance Legal Identity
Pie Insurance Licensing
Pie publishes producer license entries, including California nonresident producer 0M72907, Colorado resident producer 555231 and District of Columbia producer 3000466257. Missouri independently lists The Pie Insurance Company active with certificate B424258 and NAIC 21857. These producer and insurer records establish different legal roles and do not make every Pie product available in every listed state.4,5
Pie Insurance Financial Strength
AM Best's disclosure report for Pie Casualty Insurance Company (AMB 012272, NAIC 10997), captured on 23 September 2026, shows a Financial Strength Rating of A- (Excellent) and a Long-Term Issuer Credit Rating of a- (Excellent), each with a stable outlook and affirmed effective 24 April 2026, with affiliation code p (Pooled) and Financial Size Category VIII (USD 100–250 million). The rating belongs to Pie Casualty Insurance Company. It is not a rating of Pie Insurance Services, Inc. or The Pie Insurance Company, and the pooled affiliation code does not show which insurer issues a given Pie policy.1
Missouri’s 2025 market data for The Pie Insurance Company (NAIC 21857) reports $5,897,893 of direct workers-compensation premium written, $5,005,941 earned, $1,596,794 of direct losses incurred and a 161.9% direct loss ratio. Those figures are Missouri market data for that insurer and line, not a group-wide solvency statement; the Missouri page reports no financial exam in its displayed record.5
Pie Insurance Risk-Bearing Relationships
Pie says workers-compensation policies are underwritten by The Pie Insurance Company and affiliates, while commercial auto, BOP, general liability and professional liability are underwritten by unaffiliated third-party insurers. The carrier must therefore be confirmed by product, state and policy.4
Pie Insurance Claims and Service
Pie publishes online and telephone claim-reporting routes and says a claims professional follows up, determines coverage under the policy and explains benefits when a claim is accepted. These are process disclosures and do not independently establish claims outcomes.2
Pie Insurance Regulatory Record
Missouri’s company detail page lists The Pie Insurance Company active and provides historical market-regulation and company-change information; Illinois lists Pie Casualty Insurance Company as an active P&C entity. A complete five-year conduct search for all Pie entities and a full producer appointment search are not established in this record.5,3
What We Couldn’t Confirm About Pie Insurance
- Producer license and appointment status across all jurisdictions were not independently established in this record.
- The legal disclosure does not map Pie Casualty Insurance Company specifically to generic workers-compensation underwriting; exact policy/product issuer evidence is required.
- Product/state mapping for third-party insurers is not fully disclosed in generic pages.
- Current reinsurance/capacity allocation and claims-administrator responsibilities need product-specific evidence.
- Complete five-year conduct search across producer and carrier entities is not established in this record.
Regulator Searches for Pie Insurance
| Jurisdiction | Result | Notes |
|---|---|---|
 Missouri | Verified regulator result5 | Missouri regulator lists The Pie Insurance Company active, NAIC 21857, P&C authority and certificate B424258. |
 Illinois | Verified regulator result3 | Illinois regulator entity page identifies Pie Casualty Insurance Company as active P&C entity, NAIC 10997. |
 US/DC | Company-reported disclosure4 | Pie publishes a producer-license list; no completed five-year conduct result is established for the scope described on this page. |
Pie Insurance Licenses and Authority Records
These are reviewed authority records for the named legal entities and what they cover. A license record does not establish that a particular policy is available, bound, or suitable.
| Entity and jurisdiction | Identifier | License class and authority |
|---|---|---|
Pie Insurance Services, Inc. Colorado | State license: 5552314 | Resident producer as displayed on Pie legal page; Company-published; current regulator record not independently established in this record |
Pie Insurance Services, Inc. California | State license: 0M729074 | Nonresident producer as displayed on Pie legal page; Company-published; current regulator record not independently established in this record |
Pie Insurance Services, Inc. District of Columbia | State license: 30004662574 | Insurance producer as displayed on Pie legal page; Company-published; product and appointment scope require confirmation |
| The Pie Insurance CompanyMissouri | Certificate of authority: B4242585 | Property and casualty insurer; Missouri regulator lists active status and P&C authority |
| Pie Casualty Insurance CompanyUnited States | NAIC number: 109973,1 | P&C insurer identifier; Illinois regulator and AM Best entity record |
Which Coverage Lines Does Pie Insurance Offer?
Product pages for the coverage lines Pie Insurance lists.
Comparisons and Insurance Terms Related to Pie Insurance
Pie offers premium audits and pay-as-you-go plans for workers' compensation; Alliance Risk lists the line within a larger commercial catalogue.
Pie specializes in workers' compensation with payroll payment and audit support; Amelia Risk includes workers' compensation in broader product programs.
Armilla offers AI liability, model assessments and performance warranties; Pie separates workers' compensation from cyber products placed through partners; model-output liability remains a different insurance purchase.
