INSURANCE CARRIER
Pie Insurance Workers Comp
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.
Commercial Lines
- 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. Workers compensation becomes legally required once a business reaches its state's employee threshold, 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 small businesses.
Strengths
What This Carrier Does Well
Fast workers comp quotes, often within minutes, for small businesses at the applicable state 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.
Pie's technology-first model means less access to a live underwriter for complex accounts that need negotiated terms or class-specific guidance
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.
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
- Coverage Types
- Workers compensation (small business specialty)
- Carrier's Licensed States
- GA and all 50 states
- Commercial Lines States
- GA and all 50 states
- 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 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. Schedule a coverage review to discuss claims support options. Admitted Status: Admitted carrier 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.
Admitted Status: Admitted carrier 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