Pie Insurance Services
Carrier website links, underwriting access points, mapped product lines, and appetite notes in one place.
This appetite summary is only a guide. Confirm eligibility, submission requirements, restrictions, and binding authority directly with the carrier or underwriter before relying on it.
Carrier appetite summary
Pie Insurance publishes a current agent-facing Workers' Comp underwriting guide and appetite tools. Core appetite is small business workers' compensation, with an appetite checker that classifies risks as Preferred, Considered, or Declined by class code. Preferred risks may often be instantly quoted and bound online; Considered risks may be written if they meet underwriting guidelines. Pie states it serves workers' comp in 40 states plus Washington, D.C. Maximum modified premium is $250,000. Maximum EMOD is 1.99; minimum online-bind EMOD is 0.40, though lower EMODs may be considered with underwriter approval. New ventures are acceptable with underwriter approval if outside hazard-group limitations, and some may be bindable online; applicants with prior workers' comp but no current coverage are treated as lapse business. Sole proprietors with no employees may be eligible if the owner is included in coverage; policies covering employees require a FEIN before issuance. Lapse business can be considered case by case with underwriting approval plus a signed no-loss statement; for preferred class codes Pie requires a no-loss letter, and for non-preferred classes loss runs are required. Backdating is allowed only with underwriting approval. Deductibles are case by case and subject to state rules. Employer's liability limits are not offered above $1M/$1M/$1M. Specific and blanket waivers are available for additional charge, varying by state; additional insured endorsements are not allowed. Declined or prohibited business includes non-guaranteed-cost structures such as retros, captives, large deductibles, aggregate stop loss, and IBNR; explosive, fireworks, firearms, and hazardous-material risks; asbestos, lead, mold, blasting, demolition, wrecking; federal act exposures including USL&H, Jones Act, FELA, Defense Base Act, OCSLA, NAFI, Federal Coal Mine, and voluntary workers comp; aircraft and navigable-watercraft exposures; oil, gas, mining and related onsite support; toxic chemical manufacturing; PEOs, employee leasing, staffing and temp labor; public entities; nuclear energy/research; marijuana/cannabis/THC and other federally illegal substances; medical transportation; freight forwarding/brokering; paper contractors; firefighters and police; railroad operations/construction; amusement devices, carnivals, circuses, fireworks exhibitions, sports events/participants; risks with more than 80% subcontract payroll; and risks with more than 30% cash/casual/day labor. Broker/producer notes currently published: agents should use the appetite checker before submission; BORs are only handled at renewal, accepted from 90 days before renewal effective date through the effective date, with a 5-day rescission period, and not accepted on or after the renewal effective date; BOR letters must be signed/dated by an owner or officer, be on insured letterhead, identify the renewal effective date and agent of record, and include the Pie agency code. Loss runs are self-service in the partner portal for many policies, otherwise requested through service support. Endorsement requests go to agency service, and Pie provides templates for entity/ownership changes. For specific waiver requests, Pie asks for certificate holder details, class code, estimated payroll for the job, and a brief work description. Renewal handling notes published for agents indicate preview timing and deposit draft procedures, with separate handling thresholds above and below $20,000 premium.