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’s published workers’ compensation appetite is focused on small businesses and agent-submitted guaranteed-cost business, with an online-first quote/bind process and an appetite checker by class code. Pie states it covers class codes representing a large share of the small-business market and offers workers’ comp in 40 states plus Washington, D.C. Preferred risks are class codes marked Preferred in its appetite checker; these are often eligible for instant quote and bind through the portal. Considered classes may still be written if they meet Pie’s underwriting guidelines. Operational limits include maximum modified premium of $250,000, maximum employer’s liability limits of $1M/$1M/$1M, and maximum allowable experience mod of 1.99; online bind generally requires Emod of at least 0.40, though lower may be reviewed with underwriter approval. New ventures are acceptable with underwriter approval unless restricted by hazard-group limitations, and some new ventures may be bindable online. Same-day binds may be accepted for new ventures. Lapses in coverage are handled case by case with underwriting approval; Pie requires a signed no-loss statement during the lapsed period, and for preferred class codes a no-loss letter may suffice, while non-preferred classes generally require loss runs. Backdating is allowed only with underwriting approval. Sole proprietors with no employees may be eligible if the owner is included in coverage; FEIN is required before issuance for policies covering employees, though SSN may be used for certain sole proprietors. Deductibles are case by case and subject to state rules. Specific and blanket waivers are available for additional charge, varying by state; additional insured endorsements are not allowed. Declined or prohibited business includes any request for non-guaranteed-cost structures such as retros, captives, large deductibles, aggregate stop loss, or IBNR; foreign or federal/maritime-type coverages including USL&H, Jones Act, Defense Base Act, FELA, OCSLA, voluntary comp, NAFIA, and Federal Coal Mine exposures; businesses with explosives, fireworks, firearms-on-premise or firearm manufacturing/testing/sales-service; hazardous materials; asbestos, lead, or mold exposures; blasting, demolition, wrecking; nuclear energy/research; oil, gas, mining, or on-site support for those industries; aircraft risks; watercraft on navigable waterways; dock/sea wall work; employee leasing, staffing, temp labor, and PEOs; public entities; marijuana/cannabis/THC or other federally illegal substances; medical transportation; freight forwarding/brokering; paper contractors; firefighters and police; railroad operations/construction; amusement parks, devices, carnivals, circuses, exhibitions including fireworks, and sports events/participants. Pie also flags risks with more than 80% subcontract payroll or more than 30% cash/casual/day labor as prohibited. Broker/producer notes: agents are encouraged to use the appetite checker before submission to confirm Preferred/Considered/Declined status and see class-specific eligibility questions and minimum payroll details; Pie promotes a fast online bind workflow and provides state document resources for workers’ comp filings/forms. State availability and some pricing/endorsement details vary by jurisdiction.