Source: Pie Insurance — Workers' Compensation
Pie Insurance: Wholesale Distribution Insurance Appetite
Pie writes workers' comp for small wholesale distributors, particularly those with a mix of warehouse and office staff. Their pricing is competitive for smaller operations, but distributors also need GL, commercial auto, and often product liability and inland marine — none of which Pie offers. Pair Pie's WC with Travelers or CNA for the full distribution package. This approach works best for small distributors where the WC premium savings from Pie justify managing a second carrier relationship.
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
- Workers' comp for small wholesale distributors with warehouse and office staff
- Digital quoting handles standard warehouse and distribution class codes
- Pay-as-you-go billing helps distributors with seasonal or fluctuating headcount
- Competitive pricing for small distributors with 1-50 employees
Limitations
- Workers' compensation only — no GL, commercial auto, inland marine, or product liability
- Distributors need a separate carrier for the full commercial package
- Large warehouse operations with heavy machinery or hazardous materials may not be eligible
Compare Other Carriers for Wholesale Distribution
$3,000-$15,000
$6,000-$40,000
$7,000-$45,000
$500-$3,000
$1,500-$8,000
$5,000-$40,000
$1,500-$10,000
$4,000-$30,000
$4,000-$30,000
$2,000-$12,000
$2,000-$15,000
$2,000-$10,000
$3,000-$16,000
$4,000-$20,000
$5,000-$25,000
$3,000-$18,000
$3,000-$16,000
$2,500-$15,000
$2,000-$12,000
$3,000-$25,000
$800-$3,000
$5,000-$60,000
$3,000-$50,000
$800-$8,000