Source: Pie Insurance — Workers' Compensation
Pie Insurance: Professional Services Insurance Appetite
Professional services firms are an ideal class for Pie's WC — low hazard, predictable payroll, and price-sensitive. Pie's WC pricing for office class codes is often among the most competitive in the market. Pair Pie's WC with Hiscox or CNA for professional liability, and Progressive or The Hartford for GL/BOP. This split approach works well because the WC savings can offset the administrative complexity of managing two carriers.
Available Lines
| Line of Business |
|---|
| Workers' Compensation |
Premium Range
$500-$4,000
Typical annual premium
Target States
39 states + DC (excludes AK, HI, ME, MO, MT, ND, OH, SD, WA, WV, WY)
Key Features
- Office-based low-hazard class — professional services are a natural fit for Pie's appetite
- Very competitive WC pricing for clerical and office class codes
- 3-5 minute digital quoting process with immediate bindable quotes
- Pay-as-you-go billing integrates with major payroll providers like Gusto and ADP
Limitations
- Workers' compensation only — no professional liability (E&O), GL, or cyber coverage
- Professional services firms still need E&O and GL from a separate carrier
- Not available in 11 states including some with significant professional services markets
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