INSURANCE CARRIER
Pie Insurance Workers Comp
Small business workers compensation with fast quotes and competitive pricing.
Commercial Lines - Georgia
- File a claim 844-581-0828 · 24/7 online and phone
- Online Account & claims portal
- After hoursFile online anytime or call 1-800-421-3535.
Coverage Focus
What this carrier writes
Overview
About This Carrier
Pie Insurance is a tech-forward workers compensation carrier built specifically for small businesses, with a digital quoting process that typically returns a quote within minutes. Georgia law requires workers compensation coverage for any business with three or more employees, which brings a large share of small contractors, landscapers, and light manufacturers into the market. Pie focuses on construction trades and similar low-to-moderate risk small business classes where its pricing tends to be competitive. Available through Olive Cover to place workers compensation coverage for qualifying Georgia small businesses.
Strengths
What This Carrier Does Well
Fast workers comp quotes, often within minutes, for Georgia small businesses at the 3-employee threshold
Competitive pricing for low-to-moderate risk small business workers comp
Technology-driven underwriting and policy management; digital-first experience
Limitations to Know
Where They Fall Short
Workers comp only; no business owners policy, commercial auto, or general liability. Pairs with another carrier for full commercial coverage.
Less developed claims infrastructure than Hartford for complex workers comp claims
Pie's technology-first model means less access to a live underwriter for complex accounts that need negotiated terms or class-specific guidance
Right Fit
Who They Are Best For
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. Learn how we choose carriers to match your business needs.
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. For professional liability needs, we can recommend other carriers better suited to service-based businesses.
Appetite & Coverage
What They Write
- Line of Business
- Commercial Lines - Georgia
- Coverage Types
- Workers compensation (small business specialty)
- States Available
- GA and all 50 states
- Commercial Lines States
- GA and all 50 states
- Max Business Revenue
- Core appetite: small business, under $10M payroll
- BOP Appetite
- Not a business owners policy carrier; workers compensation specialist
- Industry Classes
- Restaurants, retail, professional services, small contractors, healthcare-adjacent, fitness, childcare, cleaning services
Pricing & Claims
What to Expect
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.
Pricing Context
Pie is competitive for workers compensation in construction trades, particularly for smaller contractors who face high rates in the standard market. The digital process reduces friction compared to traditional workers compensation quoting.
Claims Experience
Workers compensation-specific claims process. Adequate for straightforward workplace injury claims. Return-to-work programs available but less developed than Hartford's. For complex workers compensation claims, Hartford and Travelers typically have stronger claims infrastructure. Schedule a coverage review to discuss claims support options.
Admitted Status: Admitted in Georgia for workers compensation
Olive Cover, the brand of Olive Insurance Services, LLC, is your independent insurance agent. We help you file your claim and advocate on your behalf. Coverage decisions on any claim are made by your insurance carrier under the terms of your policy.
Quick Facts
At a Glance
Common Questions
Frequently asked questions
What is the difference between my insurance carrier and my insurance agent?
Your carrier is the company that actually pays your claim. Your agent is who you buy from.