About
Pie Insurance is a technology-driven insurance provider built specifically for small businesses. Leveraging data science and automation, Pie streamlines the traditionally complex process of getting business insurance—allowing owners to receive a workers' compensation quote in as little as 3 minutes and save up to 30% compared to traditional carriers. The platform covers a broad range of small business insurance needs, including workers' compensation, commercial auto, business owner's policies, general liability, professional liability, and errors and omissions coverage. Workers' comp policies are underwritten by The Pie Insurance Company and are available in 39 states plus Washington, D.C. Pie's online portal gives policyholders 24/7 account access to monitor coverage, manage claims, and handle premium audits. A dedicated agents portal and API integration allow insurance brokers and partners to quickly check appetite, pull quotes, and manage their book of business digitally. Ideal for small business owners across industries, Pie Insurance removes the friction of traditional insurance procurement with its fast digital quoting engine, competitive pricing, pay-as-you-go options, and transparent claims process. The platform is designed to be as straightforward as possible, whether you're a business owner getting your first policy or an agent managing multiple accounts.
Key Features
- 3-Minute Online Quotes: Small business owners can get a workers' comp insurance quote in as little as 3 minutes entirely online, with no agent call required.
- Data-Driven Pricing: Pie uses proprietary data and technology to offer competitive premiums, with savings of up to 30% versus traditional carriers.
- Broad Coverage Options: Covers workers' compensation, commercial auto, general liability, professional liability, errors and omissions, and business owner's policies.
- Online Account Management: Policyholders can monitor their coverage, file claims, and manage premium audits through a self-service online account portal.
- Agent & API Partner Portal: Insurance agents and partners get access to a dedicated portal and API to check appetite, pull quotes, and manage policies digitally.
Use Cases
- A small restaurant owner needs workers' comp insurance quickly and gets a quote in minutes without visiting an insurance office.
- A contractor in one of 39 covered states obtains affordable workers' compensation coverage tailored to their business size and risk profile.
- An insurance broker uses Pie's agent portal and API to efficiently manage multiple small business clients and pull quotes on demand.
- A small business owner monitors their active policy, files a workplace injury claim, and tracks claim status entirely through the Pie online account portal.
- A startup looking to comply with state workers' comp requirements gets covered fast without complex underwriting paperwork.
Pros
- Fast and Simple Quoting: The digital-first process allows businesses to get insured quickly without the lengthy paperwork typical of traditional insurance.
- Competitive Pricing: Data-driven underwriting enables Pie to offer premiums up to 30% lower than conventional workers' comp insurers.
- Wide State Coverage: Workers' comp policies are available in 39 states and Washington, D.C., making it accessible to most U.S. small businesses.
Cons
- Limited to Small Businesses: Pie Insurance is designed specifically for small businesses and may not be suitable for larger enterprises with complex coverage needs.
- Not Available in All States: Coverage is not yet available in all 50 states, and some specific coverages have state-level restrictions such as Wisconsin.
- Narrow Product Focus: While growing, Pie's product line is still more limited compared to full-service commercial insurance carriers.
Frequently Asked Questions
How long does it take to get a quote from Pie Insurance?
Most small businesses can receive a workers' compensation insurance quote in approximately 3 minutes through Pie's online platform. Individual times may vary.
What types of insurance does Pie Insurance offer?
Pie offers workers' compensation, commercial auto, business owner's policies, general liability, professional liability, and errors and omissions insurance for small businesses.
In which states is Pie Insurance available?
Pie's workers' compensation coverage is available in 39 states and Washington, D.C., with more states being added over time. Not all products are available in all states.
Can insurance agents partner with Pie Insurance?
Yes. Pie has a dedicated agent partner portal and API that allows brokers to check eligibility, get quotes, and manage their clients' policies digitally.
How does Pie Insurance keep premiums lower than traditional carriers?
Pie uses data-driven technology and proprietary underwriting models to more accurately assess risk, enabling competitive pricing that can save small businesses up to 30% on workers' comp premiums.
