PreferredVerified Q1 2026
Source: Pie Insurance — Workers' Compensation
Pie Insurance: Retail Stores Insurance Appetite
Pie is a strong WC market for small retail stores. Their pricing is competitive for low-hazard retail class codes, and the pay-as-you-go billing is attractive for retailers with part-time or seasonal staff. Since Pie is WC-only, pair with Progressive's BOP or The Hartford for the GL and property package. This split-carrier approach can actually save the client money compared to a full-package quote from a single carrier.
Available Lines
| Line of Business |
|---|
| Workers' Compensation |
Premium Range
$800-$5,000
Typical annual premium
Target States
39 states + DC (excludes AK, HI, ME, MO, MT, ND, OH, SD, WA, WV, WY)
Key Features
- Core small business class — retail stores are a strong fit for Pie's WC appetite
- Fast digital quoting in 3-5 minutes for standard retail class codes
- Pay-as-you-go billing based on actual payroll reduces upfront premium burden
- Competitive pricing for low-hazard retail operations with small employee counts
Limitations
- Workers' compensation only — no GL, property, or BOP coverage available
- Retail stores need a separate carrier for general liability and commercial property
- Not available in 11 states — check state eligibility before quoting
Compare Other Carriers for Retail Stores
Progressive CommercialPreferred
$1,500-$8,000
TravelersStandard
$2,500-$12,000
CNAStandard
$3,000-$15,000
HiscoxStandard
$500-$4,000
ERGO NEXT InsurancePreferred
$500-$4,000
The HartfordPreferred
$1,500-$12,000
EMPLOYERS HoldingsPreferred
$800-$5,000
AcuityStandard
$2,000-$12,000
Erie InsuranceStandard
$2,000-$12,000
biBERKPreferred
$1,500-$8,000
AmTrust Financial ServicesPreferred
$1,500-$10,000
BTISStandard
$1,500-$8,000