--- title: "Pie Insurance Reviews 2026" description: "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." canonical: "https://spot.insure/insurance-providers/pie-insurance/reviews" page-type: "provider-reviews" updated-at: "2026-09-25" --- 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/insurance-providers/pie-insurance/reviews) Canonical URL: https://spot.insure/insurance-providers/pie-insurance/reviews # Pie Insurance Reviews 2026 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](https://www.nerdwallet.com/business/insurance/learn/pie-insurance) [4](https://www.trustpilot.com/review/www.pieinsurance.com) [6](https://www.bbb.org/us/dc/washington/profile/commercial-insurance-services/pie-insurance-services-0241-236060990) Compare Pie Insurance’s review scores, service concerns and Spot Score before choosing business insurance. Reviewed 2026-09-25; updated 2026-09-25. ## Review Score Review Score: 1.7 / 10 from 2 rated sources, equally weighted. Each eligible numerical review or satisfaction rating is converted to a score out of 10, then given equal weight. Duplicate source URLs count once. BBB letter grades use a rough academic GPA conversion: A+/A = 10, A− = 9.25, B+ = 8.25, B = 7.5, B− = 6.75, C+ = 5.75, C = 5, C− = 4.25, D+ = 3.25, D = 2.5, D− = 1.75, F = 0. This is our approximation, not BBB’s formula. Complaint measures and missing ratings are excluded. Sources can cover different products, locations and years; this is a source-rating average, not a pooled customer score. Spot Score is shown separately. ## Review Sources ### Trustpilot Score: 3.4 / 10 (original: 1.7 / 5). Status: Found. Checked 2026-09-25. Scope: Brand-level Trustpilot consumer reviews; policy product is generally identified as workers’ compensation, but reviewer policy/entity scope varies. Checked the matched pieinsurance.com profile on 2026-09-25: displayed score 1.7/5 from 666 reviews. Its current AI-generated summary references 33 recent reviews and identifies billing, cancellation and service complaints; that summary is not an independently verified claims-outcome study. [4](https://www.trustpilot.com/review/www.pieinsurance.com) TrustScore: 1.7 (5 stars); 666 reviews ### BBB Score: 0.0 / 10 (BBB grade F; approximate academic conversion). Status: Found. Checked 2026-09-25. Scope: BBB profile for commercial insurance services; BBB grade and complaint-response record, not policy performance measure. BBB shows an F grade and says 15 complaints were filed, 13 unanswered; the profile says the business is not BBB accredited. Grade reflects BBB assessment and complaint record; it is not a consumer-star aggregate. BBB states that 15 complaints were filed and 13 went unanswered; these are complaint counts, not customer review counts. [6](https://www.bbb.org/us/dc/washington/profile/commercial-insurance-services/pie-insurance-services-0241-236060990) BBB Rating: F (BBB letter grade); BBB profile reports 15 complaints filed, 13 unanswered; complaint data, not reviews ### NerdWallet Status: Found. Checked 2026-09-25. Scope: NerdWallet editorial small-business workers’ compensation review; complaint data described for 2022–2024. NerdWallet characterizes workers’ compensation as Pie’s focus and says regulator complaints were far above expected relative to market share in 2022–2024. It notes flexible payroll-linked payment, a preliminary estimate requiring a phone follow-up, and limited online claim-status tools. Rating uses editorial factors and is not a customer star aggregate. Review page is a 2026 editorial review; the search excerpt did not expose an exact rating value, so none is recorded. [1](https://www.nerdwallet.com/business/insurance/learn/pie-insurance) ### J.D. Power Status: Not found in reviewed sources. Checked 2026-09-25. Scope: Targeted J.D. Power search for Pie Insurance; commercial insurance relevance not established because no provider-specific result was found. The returned results did not identify a review, rating, or provider-specific record for the provider. Not-found means these searches did not locate a result, not that no reviews or records exist. [2](https://www.google.com/search?q=site%3Ajdpower.com%20%22Pie%20Insurance%22%20insurance%20reviews%20ratings%20complaints) ### NAIC Status: Not found in reviewed sources. Checked 2026-09-25. Scope: Targeted NAIC search for Pie Insurance; commercial insurance relevance not established because no provider-specific result was found. The returned results did not identify a review, rating, or provider-specific record for the provider. Not-found means these searches did not locate a result, not that no reviews or records exist. [3](https://www.google.com/search?q=site%3Acontent.naic.org%20%22Pie%20Insurance%22%20insurance%20reviews%20ratings%20complaints) ### ConsumerAffairs Status: Not found in reviewed sources. Checked 2026-09-25. Scope: Targeted ConsumerAffairs search for Pie Insurance; commercial insurance relevance not established because no provider-specific result was found. The returned results did not identify a review, rating, or provider-specific record for the provider. Not-found means these searches did not locate a result, not that no reviews or records exist. [5](https://www.google.com/search?q=site%3Aconsumeraffairs.com%20%22Pie%20Insurance%22%20insurance%20reviews%20ratings%20complaints) ### Google Maps Status: Not found in reviewed sources. Checked 2026-09-25. Scope: Office/profile-specific review search. No firmwide consensus or office aggregate established. Attempted query: site:google.com/maps "Pie Insurance" reviews insurance. Returned results did not establish a provider-specific Google Maps profile or attributable reviews. Not-found is not proof that no profile/reviews exist. [7](https://www.google.com/search?q=site%3Agoogle.com/maps%20%22Pie%20Insurance%22%20reviews%20insurance) ### Birdeye Status: Not found in reviewed sources. Checked 2026-09-25. Scope: Office/profile-specific review search. No firmwide consensus or office aggregate established. Attempted query: site:birdeye.com "Pie Insurance" insurance reviews. Returned results did not establish a provider-specific Birdeye profile or attributable reviews. Not-found is not proof that no profile/reviews exist. [8](https://www.google.com/search?q=site%3Abirdeye.com%20%22Pie%20Insurance%22%20insurance%20reviews) ### Provider website Status: Found. Checked 2026-09-25. Scope: Company-authored identity and offering context; not independent customer feedback. The provider website supplies company and offering context. Company-authored material is not included as a customer rating. [9](https://www.pieinsurance.com/) ## What the Evidence Means for Your Business NerdWallet’s 2026 business review centers on workers’ compensation, noting pay-as-you-go options and above-expected regulator complaints from 2022–2024. Its review also describes a preliminary estimate followed by a phone conversation to finalize a quote and points to premium-audit and service complaints. BBB displays an F grade and says 13 of 15 filed complaints went unanswered. Those sources raise concrete questions about service and complaint response, while the BBB grade is not a customer-star average and neither source settles claim handling for a particular policy. [1](https://www.nerdwallet.com/business/insurance/learn/pie-insurance) [4](https://www.trustpilot.com/review/www.pieinsurance.com) [6](https://www.bbb.org/us/dc/washington/profile/commercial-insurance-services/pie-insurance-services-0241-236060990) [9](https://www.pieinsurance.com/) ## Spot Score - Broker Spot Score: 5.3 / 10. Assessed 2026-09-23; review due 2026-10-23. - Carrier & MGA Spot Score: 6.3 / 10. Assessed 2026-09-23; review due 2026-10-23. Spot’s editorial score is separate from customer reviews and third-party ratings. [Read the assessment](https://spot.insure/insurance-providers/pie-insurance/reliability) or [see the methodology](https://spot.insure/spot-rating). ## Limitations - Canonical provider record reconciled through content MCP; role and issuer vary as described in evaluation.canonicalIdentity. Reviews are brand/profile level unless the source itself establishes a specific entity/product. - Not-found means the attempted search did not locate a source; it does not show that reviews or regulatory records do not exist. - Consumer reviews and BBB grade/complaint records cannot establish commercial-policy claims quality. Confirm policy form, issuing entity, line, jurisdiction, and policy period directly. - The canonical business role and possible policy issuer differ: Pie Insurance Services, Inc. is producer/administrator; The Pie Insurance Company and Pie Casualty Insurance Company are distinct P&C entities. Current disclosures identify workers compensation separately from lines underwritten by unaffiliated carriers; exact issuer is product-specific. ## Questions to Ask - Which exact legal entity would issue the policy, and which entity handles policy service and claims? - Can you provide current US commercial policyholder references for this line, and explain the review evidence by entity and policy line? - How are claims reported, acknowledged, escalated, and tracked, and what service standards apply? ## Disclosure Spot’s interpretation separates editorial ratings, customer feedback, business grades and complaint data. Scores belong to the named sources; Original ratings and their scope are available in the source details. Research gaps are not evidence of poor service. Coverage and claims depend on the insurer and policy you buy. ## Sources 1. [Pie Insurance Review 2026 - NerdWallet](https://www.nerdwallet.com/business/insurance/learn/pie-insurance) — NerdWallet; NerdWallet editorial small-business workers’ compensation review; complaint data described for 2022–2024.; accessed 2026-09-25. 2. [J.D. Power search: site:jdpower.com "Pie Insurance" insurance reviews ratings complaints](https://www.google.com/search?q=site%3Ajdpower.com%20%22Pie%20Insurance%22%20insurance%20reviews%20ratings%20complaints) — J.D. Power; Targeted J.D. Power search for Pie Insurance; commercial insurance relevance not established because no provider-specific result was found.; accessed 2026-09-25. 3. [NAIC search: site:content.naic.org "Pie Insurance" insurance reviews ratings complaints](https://www.google.com/search?q=site%3Acontent.naic.org%20%22Pie%20Insurance%22%20insurance%20reviews%20ratings%20complaints) — NAIC; Targeted NAIC search for Pie Insurance; commercial insurance relevance not established because no provider-specific result was found.; accessed 2026-09-25. 4. [Pie Insurance Reviews - Trustpilot](https://www.trustpilot.com/review/www.pieinsurance.com) — Trustpilot; Brand-level Trustpilot consumer reviews; policy product is generally identified as workers’ compensation, but reviewer policy/entity scope varies.; accessed 2026-09-25. 5. [ConsumerAffairs search: site:consumeraffairs.com "Pie Insurance" insurance reviews ratings complaints](https://www.google.com/search?q=site%3Aconsumeraffairs.com%20%22Pie%20Insurance%22%20insurance%20reviews%20ratings%20complaints) — ConsumerAffairs; Targeted ConsumerAffairs search for Pie Insurance; commercial insurance relevance not established because no provider-specific result was found.; accessed 2026-09-25. 6. [Pie Insurance Services | BBB Business Profile](https://www.bbb.org/us/dc/washington/profile/commercial-insurance-services/pie-insurance-services-0241-236060990) — BBB; BBB profile for commercial insurance services; BBB grade and complaint-response record, not policy performance measure.; accessed 2026-09-25. 7. [Google Maps query: site:google.com/maps "Pie Insurance" reviews insurance](https://www.google.com/search?q=site%3Agoogle.com/maps%20%22Pie%20Insurance%22%20reviews%20insurance) — Google Maps; Office/profile-specific review search. No firmwide consensus or office aggregate established.; accessed 2026-09-25. 8. [Birdeye query: site:birdeye.com "Pie Insurance" insurance reviews](https://www.google.com/search?q=site%3Abirdeye.com%20%22Pie%20Insurance%22%20insurance%20reviews) — Birdeye; Office/profile-specific review search. No firmwide consensus or office aggregate established.; accessed 2026-09-25. 9. [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. ## Methodology The baseline covers NerdWallet, J.D. Power, NAIC, Trustpilot, ConsumerAffairs, and BBB. Additional relevant sources may also appear. Platforms may cover different products, time periods, and groups of customers, and their metrics use different methods. The Review Score combines numerical ratings and approximate BBB grade conversions on a 10-point scale, with equal weight per source. A BBB letter grade describes BBB’s view of a business; customer star ratings are a separate measure. An NAIC complaint index compares complaint volume with expected volume for a company’s size and is not a customer rating. [View Pie Insurance provider profile](https://spot.insure/insurance-providers/pie-insurance) ## Agent and Developer Resources - [Markdown page](https://spot.insure/insurance-providers/pie-insurance/reviews.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)