Source: Pie Insurance — Workers' Compensation
Pie Insurance: Manufacturing Insurance Appetite
Pie's manufacturing appetite is limited to light operations — think assembly, packaging, electronics manufacturing, and light fabrication. Heavy manufacturing with significant machinery hazards, chemical exposure, or high injury frequency is outside their comfort zone. For light manufacturing WC, Pie can be competitive, but for the full manufacturing package, use Travelers, CNA, or Acuity as the primary carrier. Pie may work as a WC-only supplement if their pricing undercuts the package carrier's WC component.
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
- Light manufacturing operations with low-to-medium hazard class codes may be eligible
- Assembly, packaging, and light fabrication can be quoted through the digital platform
- Pay-as-you-go billing helps manufacturers with variable staffing manage WC costs
Limitations
- Workers' compensation only — no GL, product liability, property, or inland marine
- Heavy manufacturing, chemical processing, and metalworking are generally outside appetite
- High-hazard manufacturing class codes may not receive competitive quotes or may be declined
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