Pie Insurance Workers’ Compensation Insurance
Pie Workers' Comp Insurance
Pie underwrites workers' compensation itself through its own carrier group, rather than only brokering the line to outside insurers as it does for several of its other small-business products. 1Company-reported. Workers' Comp product page as read on 2026-09-23; restates the provider record's verified insurer-route fact.
Issuing Insurer
AM Best's disclosure report says Pie completed acquiring Pie Casualty Insurance Company in September 2021 and The Pie Insurance Company (formerly The American Insurance Company) in January 2023, and that beginning January 1, 2024, Pie writes 100% of its workers' compensation business through these two entities, part of the pooled Rating Unit 018981 Pie Insurance Group. AM Best affirmed Pie Casualty Insurance Company's Financial Strength Rating at A- (Excellent) and Long-Term Issuer Credit Rating at a- (Excellent), both with a stable outlook, effective April 24, 2026. 2Verified. AM Best rating disclosure report (AMB #012272, NAIC #10997) for Pie Casualty Insurance Company; a rating is an opinion of insurer financial strength, not a guarantee a claim will be paid, and reflects the pooled group rather than a standalone assessment of either entity.
Who It’s For
Pie says workers' compensation is legally required in nearly all states for businesses with few exceptions, and markets its program to small businesses. 1Company-reported. Workers' Comp product page as read on 2026-09-23.
Coverage Features
Pie describes workers' compensation as a state-mandated program providing medical, disability (typically two-thirds wage replacement), and death benefits for employees injured or killed on the job, while excluding injuries suffered off the job, self-inflicted injuries, policy violations, and injuries from committing a crime. 1Company-reported. Workers' Comp product page as read on 2026-09-23; actual covered/excluded scenarios depend on the issued policy and state law.
Risk Services
Pie says it can issue a Certificate of Insurance to show proof of workers' comp coverage, which it notes some industries, such as construction, require before work can begin, and that it performs a post-term premium audit comparing estimated to actual payroll. 1Company-reported. Workers' Comp product page FAQ as read on 2026-09-23.
How to Apply
Pie says getting a quote online requires the applicant's name, business name, annual payroll amount, and class-code information, with a tool available to help identify the correct class code, and advertises a roughly three-minute online quote and up to 30% savings. 1Company-reported. Workers' Comp product page as read on 2026-09-23; quote time and savings figures are company marketing claims, not independently verified, and individual results vary.
Pie Insurance Workers’ Compensation Insurance Compared
Other Pie Insurance Coverage Lines
Sources
- Workers' Comp Insurance for Small Businesses. Pie Insurance; How do I get a workers' comp quote?; What is workers' comp insurance?; What does workers' compensation insurance cover?; Why choose Pie for workers' compensation insurance? Affordable, Simple, Trusted (AM Best A- Excellent); FAQs: how workers' comp works, what's covered/not covered, class codes, NCCI. Accessed 2026-09-23.
- AM Best Rating Disclosure Report — Pie Casualty Insurance Company. AM Best Rating Services, Inc.; Page 1: Financial Strength Rating A- (Excellent), Affiliation Code p (Pooled Rating), Financial Size Category VIII, Outlook Stable, Action Affirmed, Effective Date April 24, 2026; Long-Term Issuer Credit Rating a- (Excellent), same outlook and effective date; page 14 (Additional Regulatory Disclosures, Business Profile: Limited): Rating Unit 018981 Pie Insurance Group; Pie completed the acquisition of Pie Casualty Insurance Company (PCIC) in September 2021 and of The American Insurance Company, renamed The Pie Insurance Company (TPIC), on January 1, 2023; beginning January 1, 2024 Pie started writing 100% of its workers' compensation business through these insurance entities; Pie launched workers' compensation in March 2018 and continues to be a workers' compensation writer in 40 states and the District of Columbia. Accessed 2026-09-23.
