Pie Insurance Review

About Pie Insurance

Pie Insurance is a small-business insurer founded in 2017 that focuses on workers' compensation. Its workers' comp policies are underwritten by its own insurance company, The Pie Insurance Company (NAIC 21857), and affiliates, and sold by its licensed agency, Pie Insurance Services, Inc. In January 2026 Pie said it had more than 55,000 policies in force in 39 states and Washington, DC, worked with more than 5,000 agencies and had raised more than $615 million since 2017.

For trade businesses, the core product is workers' comp, which Pie says you can quote online in about three minutes, or through a partner agency. Pie advertises workers' comp savings of up to 30%, which it says vary and do not apply to workers' comp policies in Wisconsin, and offers pay-as-you-go billing, where the monthly premium is based on actual payroll coordinated with your payroll provider instead of an up-front estimate. It also sells general liability, business owner's policies, commercial auto and professional liability, which its legal page says are underwritten by third-party insurers.

As Pie's own workers' comp page explains, a standard policy is priced on estimated payroll and checked by a premium audit after the policy period ends, so a business whose payroll grew can owe more. Pie's BBB profile (Pie Insurance Services, Washington, DC) showed no accreditation and 15 complaints closed in the last three years when checked on September 30, 2026. In May 2024 Florida's insurance regulator fined two Pie insurers a combined $21,750 for filing required data late.

The trade-off: Pie is a quick way to get an online workers' comp quote in most states, with a pay-as-you-go option that can reduce audit surprises, but see the reputation warning. Read the complaints on bbb.org, ask how the year-end audit and disputes work, and compare quotes from other carriers before you buy.