A workers comp specialist that prices small payrolls well, and only does the one thing.
An honest assessment of Pie — every policy we have with them is workers compensation, the pricing on small payrolls is genuinely competitive, and there is nothing else there when the account needs a second line.
Tell us the situation.
One licensed human replies the same business day — not five agents, not an auto-responder. If the policy you have is already the right one, we will tell you.
We use this to quote and service your insurance, and we do not sell it or pass it to lead networks. Privacy policy.
What we place with Pie.
Workers compensation
All of it. Every Pie policy in our book is workers compensation and nothing else.
Without it — Sharp pricing on small payrolls in classes that other carriers load, which is a real and narrow strength.
Home health and care services
The largest class we place here by a distance.
Without it — Home health comp is one of the harder small-business placements, and a market that prices it is worth having.
Film and video production
Production payrolls, which are short, variable and awkward for a standard carrier.
Without it — A payroll that changes every week is exactly what pay-as-you-go billing was built for.
What people ask us about Pie.
Is Pie an insurance company?
Pie underwrites and services the policy, and the risk sits with an insurance company behind them. It is worth knowing which one is on your declarations page, because that is the balance sheet your claim is paid from.
Who actually pays the claim?
Not the name on the marketing. A program or managing general agent underwrites, prices and services the policy, and an insurance company behind them carries the risk — so the financial strength that matters is theirs, not the brand you bought from. Ask which carrier is on the declarations page before you compare ratings.
What do you actually place with them?
Workers compensation only, and mostly home health agencies and film and video production. If an account needs liability or property as well, that goes to a different carrier and you end up with two policies.
Where would you not use them?
Anywhere the account wants one carrier for everything, and anywhere the payroll is large enough that a standard market will compete properly for it. Their edge is small payrolls in awkward classes.
Why go through a broker instead of buying direct?
Because it does not cost you anything, which is the part that surprises people. Broker compensation is built into the carrier’s rate whether you use one or not — buying direct does not remove the cost, it removes the person being paid to be on your side of it.
Commercial insurance is 96% of what we do — it is not a department here, it is the whole business. Not ready to talk? The guides answer the questions this page raises in more depth. Already insured with us and need a certificate or a policy change? Ask the service team rather than starting a quote — it is faster and it goes to the people whose job it is. We also write home and auto, which is usually cheaper alongside the business policy than apart from it.