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INSURANCE CARRIER

Pie Insurance Workers Comp

Small business workers compensation with fast quotes and competitive pricing.

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RATINGS & OVERVIEW

How This Carrier Rates

AM Best

A- Excellent

JD Power Personal

JD Power Commercial

Workers comp specialist, outside the scope of the J.D. Power Small Commercial study.

NAIC Complaint Index

Pie Insurance specializes exclusively in small business workers compensation. Georgia law requires workers comp for any business with 3+ employees, which puts many small Georgia businesses into the workers comp market. Pie uses technology-driven underwriting to produce fast quotes (often within minutes) at competitive pricing for small businesses under $10M payroll. Not available as a bundle with BOP; Pie is placed standalone alongside your BOP carrier.

WHY CHOOSE THEM

What This Carrier Does Well

Strength 1

Fast workers comp quotes, often within minutes, for Georgia small businesses at the 3-employee threshold

Strength 2

Competitive pricing for low-to-moderate risk small business workers comp

Strength 3

Technology-driven underwriting and policy management; digital-first experience

LIMITATIONS TO KNOW

Where They Fall Short

Weakness 1

Workers comp only; no BOP, commercial auto, or general liability. Pairs with another BOP carrier.

Weakness 2

Less developed claims infrastructure than Hartford for complex workers comp claims

Weakness 3

Pie's technology-first model means less access to a live underwriter for complex accounts that need negotiated terms or class-specific guidance

Best Fit For

Small contractors and trade businesses needing workers compensation coverage with fast digital quoting. Pie focuses on construction trades, landscaping, and light manufacturing and has a tech-forward application process.

Not A Good Fit For

Office-based businesses or professional services. Pie's appetite is focused on trade and construction classes, not white-collar commercial risks.

APPETITE & COVERAGE

What They Write

Coverage Types

Workers compensation (small business specialty)

Best Pricing For

Small business workers comp at the 3-employee threshold. Particularly competitive for Georgia construction trades, landscaping, light manufacturing, and small contractors with clean loss history.

Industry Classes

Restaurants, retail, professional services, small contractors, healthcare-adjacent, fitness, childcare, cleaning services

Admitted Status

Admitted in Georgia for workers compensation

CLAIMS & PRICING

What to Expect

Claims Experience

Workers comp-specific claims process. Adequate for straightforward workplace injury claims. Return-to-work programs available but less developed than Hartford's. For complex workers comp claims, Hartford and Travelers typically have stronger claims infrastructure.

Pricing Context

Pie is competitive for workers comp in construction trades, particularly for smaller contractors who face high rates in the standard market. The digital process reduces friction compared to traditional workers comp quoting.

vs Competitors

Primary Georgia competitors are Employers, Hartford Workers Comp, Travelers, Nationwide, and Georgia State Fund. Pie typically wins on small business WC pricing and quote speed. Hartford wins on complex claims service and return-to-work programs for mid-market.

File a Claim

Call to report a claim:

Phone unavailable

STATE AVAILABILITY

Where They Write

States Available

GA and all 50 states

Personal Lines States

Commercial Lines States

GA and all 50 states

Do We Work With Them?

Yes

Common questions

Can my insurance carrier deny my claim?

Yes, for specific policy reasons that must be in writing. You can challenge a denial.

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What is a recorded statement and should I give one?

An on-record interview the carrier uses for the file. Give one, but prepare first and never speculate.

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What happens after I report a claim to my insurance carrier?

Acknowledge, assign adjuster, investigate, decide. Most carriers move within 7-30 days for routine claims.

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Do I have to use the carrier's preferred contractor?

Usually no. Most policies let you choose any licensed contractor, though preferred shops have their own benefits.

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