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Workers’ compensation experts to help you protect employees

Workers’ compensation experts to help you protect employees

Our Summary

Pie Insurance specializes in workers’ compensation insurance. They sell policies directly to business owners or through their many local and regional partners. Pie boasts that it can help business owners get a quote in less than three minutes and save up to 30% on workers’ comp costs. They’re striving to do things differently to make the insurance experience better for business owners who have other things to worry about. 

Company Overview

Headquartered in Washington, D.C., Pie Insurance is a fast-growing company. In one year, it has grown from 140 employees to 260. It has been writing workers’ compensation insurance since 2018 and has more than $100 million in premiums written. Pie Insurance works with more than 1,000 agencies nationwide. 

Geographic Representation

Pie Insurance underwrites policies in 36 states plus the District of Columbia. It currently does not serve Alabama, Hawaii, Washington, Oregon, Idaho, Montana, Wyoming, North Dakota, South Dakota, Minnesota, Ohio, Maine, Connecticut, and Massachusetts. 

Lines of Coverage

Pie Insurance is a specialty insurer with only one line of insurance: workers’ compensation. Workers’ comp pays for employee medical bills and lost wages when hurt on the job.

Top Industries Served

As a workers’ compensation specialist, Pie Insurance is able to work across multiple industries. Some of the industries highlighted on its website include: 

  • Auto shops
  • Barbershops
  • Bars
  • Construction
  • Exterminating
  • Hotels
  • Manufacturing
  • Restaurants
  • Retail
  • Trucking

Premium Costs

Workers’ compensation premium costs are contingent on your industry and payroll. Every state is different and Pie doesn’t have an average price for workers’ compensation insurance for the country. It does however give some examples of employer costs per $100 of payroll based on state averages. 

Sample costs include: 

  • New York: $1.46
  • South Carolina: $1.71
  • Alaska: $2.27
  • Colorado: $0.97 

Underwriting Process

Pie uses smart technology to walk you through the quote process. It takes just a few minutes to get a quote. We ran a quote for a salesperson team with $100,000 in payroll. The quote took under two minutes and gave us a rate of $86 per month. It didn’t give us the option to buy online but instead requested that we call to finalize the rate. 

AM Best Ratings

An AM Best rating provides insights into the financial solvency of an insurance company. The higher the rating, the better the company is thought to be able to handle catastrophic claims. Pie Insurance has an AM Best rating of an A- which is good but not the best rating. It still shows financial stability from the company. 

Complaint Index

The complaint index is a database of ratios for U.S. insurance companies maintained by the National Association of Insurance Commissioners. The ratio for each company says how the company fares compared to the average number of complaints based on market share. While most companies are in the database, Pie Insurance is not so we are unable to glean any insights about its customer satisfaction from the complaint index. 


To get a better idea of what customers think about Pie Insurance, we looked at both the Trustpilot reviews and Better Business Bureau data. On Trustpilot, Pie Insurance has 307 reviews with a 4.6 average star rating. Reviews note that the company is responsive and works hard to get customer satisfaction. 

The Better Business Bureau profile is very thin with no reviews and one complaint filed in the past 12 months. Pie is not accredited with the BBB and has a D+ rating based on the one complaint. The complaint had to do with an audit that the policyholder was unable to complete due to COVID restrictions and the rate went up as a result. 

Concluding Thoughts

Pie Insurance does one thing: sell workers’ compensation insurance. They’ve used technology to help in the underwriting process that yields small business owners up to 30% in savings. They serve a wide range of industries across most of the United States. If you’re shopping for workers’ compensation insurance, it’s worth it to get a quote from Pie Insurance. 

Learn more about Pie Insurance 


CommericalInsurance.net employs its own independent research to come up with the details for reviews. We do this so that you can have as many insights as possible about a company so that you can make the best decision for your commercial insurance. We take into consideration the company’s history and where they serve. We want to highlight the appetite that a company has as this suggests where business owners can get the most competitive rates. Where possible, we include premium data. From there, we take into account formal complaints, and financial strength ratings along with public reviews painting a broad picture of the company’s reputation.