About
Pie Insurance is a modern insurtech company purpose-built for small businesses, leveraging data-driven technology to simplify and accelerate the process of obtaining workers' compensation and commercial insurance. By replacing outdated underwriting methods with AI-powered risk analysis, Pie delivers competitive pricing and lightning-fast quotes — often in under 3 minutes — while offering potential savings of up to 30% compared to traditional carriers. The platform covers workers' compensation in 39 states and Washington, D.C., with ongoing expansion. Beyond workers' comp, Pie also offers Business Owner's Policies, Commercial Auto, General Liability, Errors & Omissions, and Professional Liability coverage. Policyholders manage their coverage through an intuitive online account portal, while a dedicated claims process ensures quick support when workplace accidents occur. Pie also operates a robust partner program for independent insurance agents, offering an Appetite Checker tool, a partner portal, agency contacts, and an API integration for seamless quoting within agent workflows. The platform's emphasis on speed, transparency, and competitive pricing makes it an ideal solution for small business owners who need reliable coverage without the complexity of traditional insurance procurement. Whether you run a restaurant, construction firm, or retail shop, Pie Insurance provides tailored, affordable protection backed by intelligent technology.
Key Features
- 3-Minute AI-Powered Quotes: Data-driven underwriting technology generates workers' comp insurance quotes for small businesses in as little as 3 minutes.
- Up to 30% Premium Savings: Intelligent risk pricing allows eligible small businesses to save up to 30% compared to traditional insurance carriers.
- 39-State Coverage: Workers' compensation policies are available across 39 U.S. states and Washington, D.C., with continued expansion planned.
- Online Account & Claims Management: Policyholders can monitor coverage, manage policies, and report workplace injuries directly through an online account portal.
- Agent Partner API: Independent insurance agents can integrate Pie's quoting engine via API and access an Appetite Checker tool through the partner portal.
Use Cases
- A small restaurant owner needs workers' comp insurance quickly and gets a competitive quote online in under 3 minutes without calling an agent.
- An independent insurance agent uses Pie's partner API and Appetite Checker to offer workers' comp quotes to small business clients directly from their own workflow.
- A small construction company switches from a legacy insurer to Pie Insurance to save up to 30% on annual workers' compensation premiums.
- A growing retail startup uses Pie's online account portal to manage its workers' comp policy and report a workplace injury claim digitally.
- A small business owner in one of the 39 covered states bundles workers' comp with a Business Owner's Policy through Pie for comprehensive, affordable coverage.
Pros
- Extremely Fast Quoting: The AI-driven platform reduces quote time from days to minutes, making it one of the fastest workers' comp solutions available for small businesses.
- Competitive Pricing: Data-driven underwriting often results in lower premiums than legacy insurers, with savings up to 30% for eligible businesses.
- Simple Digital Experience: The entire process — quoting, purchasing, and managing coverage — is handled online without paperwork or agent visits.
- Agent-Friendly Ecosystem: A dedicated partner portal, API, and Appetite Checker make it easy for independent agents to incorporate Pie into their workflow.
Cons
- Not Available in All States: Workers' comp coverage is currently limited to 39 states and D.C., leaving small businesses in some states without access.
- Focused on Small Business Niche: Pie is optimized for small businesses and may not offer the policy complexity or limits required by larger enterprises.
- Savings Not Guaranteed: The advertised up-to-30% savings and 3-minute quote times vary by applicant and are not guaranteed for all businesses or states.
Frequently Asked Questions
How does Pie Insurance use AI or data-driven technology?
Pie uses proprietary data-driven insurance technology to analyze risk and determine pricing more accurately and efficiently than traditional actuarial methods, enabling faster quotes and potentially lower premiums for small businesses.
How quickly can I get a workers' comp quote from Pie Insurance?
Most small business owners can receive a workers' compensation insurance quote in approximately 3 minutes by providing basic business information through Pie's online platform.
What types of insurance does Pie Insurance offer?
Pie offers Workers' Compensation, Commercial Auto, Business Owner's Policy (BOP), General Liability, Errors & Omissions, and Professional Liability insurance for small businesses.
Is Pie Insurance available for insurance agents?
Yes. Pie has a dedicated partner program for independent insurance agents that includes a partner portal, Appetite Checker, agency contacts, and an API for integrating Pie's quoting engine into agent workflows.
Which states does Pie Insurance operate in?
Pie Insurance currently offers workers' compensation coverage in 39 U.S. states and Washington, D.C., with plans to expand to additional states in the future.
