Send your Pie policies
Share the workers’ compensation policy, its declarations page and any general liability or other policy Pie arranged with another insurer. Your Spot team lists each insurer by name.
Juniper ElectricalOrganized by Spot
Switch from Pie Insurance
Switching from Pie Insurance? Compare your options with Spot
Spot reads your Pie workers’ compensation and any policies arranged through other insurers, then takes the whole program to market.
- Payroll-based premium and audit terms read before you move
- Policies on different insurers lined up on one calendar
- Your Pie coverage stays until the next policy binds
How it works
We gather payroll and class codes
Your Spot team collects payroll by employee class, subcontractor use and prior audit results, which is what workers’ compensation underwriters ask for.
Workers’ compensation insurance
Juniper Electrical · Policy review
- Policy wording
- Coverage limits
- Compare with
- Contract requirements
Confirm with your broker
Limits, exclusions, and endorsements
Brokers take one submission out
Spot works with brokers to approach insurers that write workers’ compensation and the rest of your trade program. Underwriting questions come to you in Slack.
# spot-support
SamJuniper Electrical
Can we explore other brokers for our workers’ compensation insurance?
RileySpot
Let’s review the information and discuss the next steps with your broker.
Line up proposals and bind
You compare proposals on terms, not just premium. Your Spot team helps you bind, and sets a start date that meets the end of your Pie term.
SamJuniper Electrical
Can we explore other brokers for our workers’ compensation insurance?
Let’s review the information and discuss the next steps with your broker.
Workers’ compensation insurance policy
Coverage terms · Limits
Moving from Pie Insurance
Pie is a small-business insurer whose clearest direct offer is workers’ compensation, including pay-as-you-go billing. It arranges general liability and professional liability through other insurers and gives access to cyber quotes from carrier partners. You can start a workers’ compensation quote online or through an agent.
Why businesses consider switching
- 01
Payroll grew
As your crew expands, workers’ compensation premium changes with it, which is a fair reason to see other options.
- 02
Your policies sit with different insurers
When workers’ compensation and general liability renew on different dates, a single program is easier to follow.
- 03
A job needs bigger limits
A general contractor or customer may require limits or endorsements your current policies don’t carry.
- 04
You want help at audit time
Payroll audits and classification questions take effort, and some owners would rather have a team alongside them.
How to switch without a gap
- 01
Find the end date of your term
Workers’ compensation usually reconciles to actual payroll at the end of the term. Note the date so the new policy starts as the old one ends.
- 02
Keep payroll records for the old term
You may be asked for them during the final audit even after you have moved.
- 03
Get the new policy bound before cancelling
Hold written confirmation of its effective date. Don’t end the Pie policy until you do.
- 04
Cancel and ask about the balance
Use your Pie account or agent contact to end the policy, then ask what final premium adjustment to expect.
Coverage to consider
Workers’ compensation
Workers’ compensation with Spot: state requirements checked, payroll and job classifications described correctly, and broker proposals compared before you bind.
Get quotesGeneral liability
Buy general liability with Spot: we prepare your submission, compare broker proposals on limits and terms, and get certificates and endorsements ready.
Get quotesBusiness owner’s policy
Buy a business owner’s policy with Spot: a prepared submission, packages compared on property, liability and income terms, and certificates ready when asked.
Get quotesProfessional errors and omissions (E&O)
Buy professional liability (E&O) with Spot: a prepared submission, proposals compared on scheduled services, claims-made terms and defense, and certificates handled.
Get quotesCyber liability
Buy cyber insurance with Spot: we describe your systems and controls for insurers, compare response and liability limits, and check customer cyber clauses.
Get quotes
Common questions
What happens to payroll-based premium when I switch?
Workers’ compensation premium is based on payroll and is usually reconciled with an audit when the policy ends. Keep your payroll records for the old policy and ask what final balance to expect.
My general liability sits with a different insurer. Does that matter?
It means your policies may renew on different dates. Your Spot team lists every date and insurer, so you can move them together or one by one.
Is Spot the same company as Pie?
No. Spot is independent of Pie Insurance and not affiliated with it. We name Pie only so you know which provider you’re leaving.
How soon can I switch?
That depends on your term. A mid-term move is possible if the cancellation terms allow it, but your Spot team will want the new policy bound first so no day goes uninsured.
Does Spot take commissions?
Spot takes none on premiums. We work with brokers, and agents you already use can stay involved.
Related
Get insurance off your to-do list.
Spot reads your Pie workers’ compensation and any policies arranged through other insurers, then takes the whole program to market.
Get StartedLearn more before you switch providers
Read these before you choose a policy or an insurer.
