Pie Insurance Review 2025: Pros, Cons, Alternatives

If you’re in the market for workers’ compensation insurance, Pie Insurance should be on your quote list. Pie offers affordable pricing and flexible qualification guidelines. As most Pie insurance reviews indicate, though, one of the best things about the insurer is its top-quality customer service, whether you’re signing up for a new policy, filing a claim, or enduring a coverage audit.

How to Get Business Insurance from Pie

Customer Pie insurance reviews typically praise the easy quote process. You can get a quote online in minutes by on the Pie Insurance website. Simply input your zip code and follow the prompts to get a premium estimate.

If you decide to move forward after the quote, you’ll need to call to set up your plan. You can ask any questions you need at that point. If you decide to move forward, you’ll be audited once a year to do a quick check of your number of employees and the nature of the work your team does. Annual auditing is standard with workers’ compensation insurance.

Pie Insurance Pricing

Pie Workers’ Comp reviews indicate pricing is reasonable for the typical policies the insurer underwrites. But workers’ compensation insurance rates can vary widely from one state to the next, and that’s the case for any insurer. For instance, workers’ comp insurance in Texas can cost as little as $0.57 for each $100 in payroll. Compare that to $2.32 per $100 in covered payroll in Alaska.

One of the best things about Pie, though, is that it doesn’t shut out new businesses or employers hiring their first worker. In fact, the company’s easy-as-pie workers’ comp insurance covers employee classes that some other workers’ comp insurers won’t touch.

Insurers like Pie use a formula to calculate workers’ compensation insurance rates. The class code of each employee determines how much that rate will be. Workers in higher-risk class codes will command a higher insurance premium than those who are considered lower risk.

Who Should Buy Pie Insurance?

You’ll notice in most Pie insurance reviews that workers’ compensation insurance is the company’s specialty. While Pie offers other insurance types, the company goes through third parties for coverages like business owners’ policies and general liability. But if your top priority is workers’ comp insurance, Pie is a great option.

This Pie insurance review also focuses on the fact that Pie is for small businesses. Pie’s offerings and pricing are tailored to the needs of small and midsized businesses. As you grow, you might find you’re better off shifting to a company that’s geared toward large businesses and corporations.

Should You Choose Pie for Business Insurance?

Each business has its own insurance needs, and any Pie insurance rating will keep that in mind. Here are some factors that might make Pie the right fit for your small business.

• Affordable pricing: It’s important to always price multiple providers when choosing insurance, but in reviews, Pie Insurance customers repeatedly reference low rates, making it a great place to start.
• Flexible employee classes: Where other providers say “no” to riskier occupations, Pie is more open. If you have trouble insuring some or all of your employees, definitely grab a quote from Pie.
• Personalized customer service: Workers’ compensation laws can be complicated, but Pie Insurance employee reviews praise the company’s support. If you’re looking for one-on-one help, Pie could be the one to choose.
• Easy claims filing: If an incident happens, you’ll want the reporting process to be as simple as possible. You’ll simply call the toll-free number, which is active 24 hours a day, and the representative will walk you through the process.
• Pay-as-you-go billing: Small business owners on a budget will like Pie’s payment options. Instead of paying a huge initial deposit, you can set up payments to come through your payment processing provider. Pie also offers annual, semi-annual, quarterly, and monthly payment plans.

Alternatives to Pie Business Insurance

As you’re reading Pie Insurance reviews, you’ll likely want to know how it compares to other business insurers. Here’s a quick rundown of top competitors with some details on how they measure up.

Chubb

If workers’ compensation insurance isn’t your sole concern, Chubb might be a better option. While Pie Insurance reviews stress the fact that your other business policies will be outsourced to a third party, Chubb does everything in house. You can bundle workers’ comp insurance with a business owner’s policy and liability coverage for an all-in-one solution.

Where Pie Insurance excels is its customer support. If you source your Chubb insurance through an agent, you won’t get phone support from Chubb at all. Pie workers’ comp reviews praise the personalized support, but Chubb’s support depends on the helpfulness of the agent you choose.

Next Insurance

As many Pie Insurance reviews indicate, the signup process isn’t entirely online. You’ll get a quote, but you’ll have to make a phone call to set up coverage. If you’re looking for a signup that’s completely online, Next Insurance may be a better option. Simply answer some questions to get a quote, then apply for coverage. You can even print an insurance certificate as soon as you’re signed up.

Like Chubb, Next offers full-service business coverage without relying on third-party insurers. You can bundle your workers’ comp insurance with professional liability, auto, and property and have everything handled directly through Next.

BiBERK

Another insurer that makes signup easy is BiBERK, a provider that’s part of the Berkshire Hathaway Insurance Group. You can secure a quote and sign up completely online or work with an agent to set things up. BiBERK is another insurer that will give you a quick turnaround on your proof of insurance paperwork.

As with Pie Insurance reviews, BiBERK’s customers overwhelmingly praise the service they’ve received. Still, Pie tends to undercut BiBERK’s prices, so if you’re getting quotes, make sure you input the same coverage options with both insurers so that you can make a fair comparison.