StandardVerified Q1 2026
Source: Pie Insurance — Workers' Compensation
Pie Insurance: General Contractors Insurance Appetite
Pie writes workers' comp for small general contractors, but this is not their core specialty the way restaurants and offices are. For contractors, Pie's WC can be competitive on price, especially for light trades like painting, finish carpentry, and electrical. You will need to pair Pie's WC with a full-package carrier like Travelers, Acuity, or CNA for GL, commercial auto, and inland marine.
Available Lines
| Line of Business |
|---|
| Workers' Compensation |
Premium Range
$2,000-$15,000
Typical annual premium
Target States
39 states + DC (excludes AK, HI, ME, MO, MT, ND, OH, SD, WA, WV, WY)
Key Features
- Workers' comp for small general contractors with 1-500 employees
- Digital quoting platform delivers bindable WC quotes for eligible contractor class codes
- Pay-as-you-go billing helps contractors manage cash flow on project-based payroll
- Competitive pricing for light-to-medium hazard construction trades
Limitations
- Workers' compensation only — no GL, commercial auto, inland marine, or umbrella
- Heavy construction, structural steel erection, and high-hazard trades may not be eligible
- Contractors need a separate carrier for GL and other lines required by project owners
Compare Other Carriers for General Contractors
Progressive CommercialPreferred
$3,000-$18,000
TravelersPreferred
$8,000-$75,000
CNAPreferred
$8,000-$50,000
HiscoxPreferred
$270-$8,000
ERGO NEXT InsurancePreferred
$2,000-$10,000
The HartfordPreferred
$5,000-$50,000
EMPLOYERS HoldingsLimited
$3,000-$15,000
AcuityPreferred
$5,000-$40,000
Erie InsurancePreferred
$4,000-$30,000
biBERKPreferred
$2,000-$15,000
AmTrust Financial ServicesStandard
$3,000-$20,000
BTISPreferred
$3,000-$25,000