Pie Insurance specializes exclusively in small business workers compensation. Georgia law requires workers comp for any business with 3+ employees, which puts many small Georgia businesses into the workers comp market. Pie uses technology-driven underwriting to produce fast quotes (often within minutes) at competitive pricing for small businesses under $10M payroll. Not available as a bundle with BOP; Pie is placed standalone alongside your BOP carrier.

BOP Appetite

Not a BOP carrier; workers compensation specialist

Industry Classes

Restaurants, retail, professional services, small contractors, healthcare-adjacent, fitness, childcare, cleaning services

Do We Work With Them?

Yes

Quick qualifier

Is This Carrier Right for Your Business?

✓ Best Fit Profile

Georgia small businesses at or near the 3-employee workers comp threshold that need a fast, tech-forward workers comp quote without broker meetings, phone calls, or lengthy applications.

⚠ Not the Right Fit If...

Office-based businesses or professional services. Pie's appetite is focused on trade and construction classes, not white-collar commercial risks.

✓ Strengths

Fast workers comp quotes, often within minutes, for Georgia small businesses at the 3-employee threshold

Competitive pricing for low-to-moderate risk small business workers comp

Technology-driven underwriting and policy management; digital-first experience

⚠ Weaknesses

Workers comp only; no BOP, commercial auto, or general liability. Pairs with another BOP carrier.

Less developed claims infrastructure than Hartford for complex workers comp claims

Pie's technology-first model means less access to a live underwriter for complex accounts that need negotiated terms or class-specific guidance

Claims

What Happens When You File a Claim

Workers comp-specific claims process. Adequate for straightforward workplace injury claims. Return-to-work programs available but less developed than Hartford's. For complex workers comp claims, Hartford and Travelers typically have stronger claims infrastructure.

Pricing

What It Typically Costs

Pie is competitive for workers comp in construction trades, particularly for smaller contractors who face high rates in the standard market. The digital process reduces friction compared to traditional workers comp quoting.

Comparison

How They Compare

Primary Georgia competitors are Employers, Hartford Workers Comp, Travelers, Nationwide, and Georgia State Fund. Pie typically wins on small business WC pricing and quote speed. Hartford wins on complex claims service and return-to-work programs for mid-market.

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Coverage

Commercial Lines We Place With This Carrier

Coverage type

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Pie Insurance Workers Comp

Pie Insurance

BOP Appetite

Industry Classes

Is This Carrier Right for Your Business?

✓ Strengths

⚠ Weaknesses

What Happens When You File a Claim

What It Typically Costs

How They Compare

We shop multiple carriers to find your best fit.

Commercial Lines We Place With This Carrier

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