PreferredVerified Q1 2026
Source: Pie Insurance — Restaurant Workers' Comp
Pie Insurance: Restaurants Insurance Appetite
Pie Insurance is a strong workers' comp option for restaurant accounts. Their digital platform makes quoting fast, and pay-as-you-go billing is a major selling point for restaurants with seasonal staffing fluctuations. Since Pie only writes WC, you will need a separate carrier for GL, property, and liquor liability — pair with Progressive, Travelers, or The Hartford for the rest of the package.
Available Lines
| Line of Business |
|---|
| Workers' Compensation |
Premium Range
$1,000-$8,000
Typical annual premium
Target States
39 states + DC (excludes AK, HI, ME, MO, MT, ND, OH, SD, WA, WV, WY)
Key Features
- Core target class — restaurants are one of Pie's most-quoted industries for workers' comp
- Digital quoting in 3-5 minutes with bindable quotes for most restaurant class codes
- Pay-as-you-go billing based on actual payroll synced from payroll providers
- Competitive pricing for single-location and small multi-location restaurant groups
Limitations
- Workers' compensation only — no GL, property, liquor liability, or BOP available
- Agents must pair Pie WC with a separate carrier for the restaurant's GL and property package
- Not available in 11 states including monopolistic fund states and several others
Compare Other Carriers for Restaurants
Progressive CommercialPreferred
$2,500-$12,000
TravelersLimited
$4,000-$18,000
CNAStandard
$3,000-$20,000
HiscoxLimited
$500-$3,000
ERGO NEXT InsurancePreferred
$1,200-$7,000
The HartfordPreferred
$3,000-$20,000
EMPLOYERS HoldingsPreferred
$1,200-$8,000
AcuityStandard
$3,000-$15,000
Erie InsurancePreferred
$3,000-$15,000
biBERKPreferred
$1,500-$10,000
AmTrust Financial ServicesPreferred
$2,000-$15,000
BTISStandard
$2,000-$12,000