Source: Pie Insurance — Workers' Compensation
Pie Insurance: Healthcare Offices Insurance Appetite
Pie is a solid WC market for small healthcare offices — dental practices, physical therapy clinics, chiropractic offices, optometry practices, and small physician groups. Their pricing is competitive for these classes, and the digital quoting is fast. Since healthcare offices also need medical malpractice and GL, pair Pie's WC with CNA HealthPro for professional liability or The Hartford for a GL/BOP package. The split approach can save money while still giving the client strong coverage on all fronts.
Available Lines
| Line of Business |
|---|
| Workers' Compensation |
Premium Range
$1,500-$10,000
Typical annual premium
Target States
39 states + DC (excludes AK, HI, ME, MO, MT, ND, OH, SD, WA, WV, WY)
Key Features
- Strong appetite for allied health WC — dental offices, therapy clinics, chiropractic, and physician practices
- Competitive pricing for healthcare class codes with moderate hazard levels
- Digital quoting in 3-5 minutes for eligible healthcare class codes
- Pay-as-you-go billing works well for practices with variable staffing levels
Limitations
- Workers' compensation only — no medical malpractice, GL, or cyber/HIPAA coverage
- Healthcare practices still need professional liability and GL from a separate carrier
- Hospitals, nursing homes, and large health systems are outside Pie's small business focus
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