Pie Insurance

Workers' Compensation

Below is an abbreviated list of the hot classes recently written with Pie Insurance (not limited to):

  • 42 - Landscape Gardening
  • 9079 - Restaurants: sale of alcoholic beverages 75% or more of receipts
  • 7219 - Trucking Operations
  • 9008/9014 - Janitorial Services
  • 5474/5482 - Painting NOC and Shop Operations
  • 5190 - Electrical Wiring: within buildings
  • 5403/5645 - Carpentry: construction of residential dwellings, three stories or less
  • 8835/8827 - Home, Public and Traveling Healthcare 
  • 5348 - Ceramic Tile, Indoor Stone, Marble, or Mosaic work
  • 5187 - Plumbing: high wage (CA)
  • 8389/8380 - Automobile Service or Repair Shop
  • 9015 - Building or Property Management
  • 5432 - Carpentry NOC: high wage (CA)
  • 9070 - Retirement Living Centers
  • 3724 - Machinery or Equipment Installation and Repair
  • 5538 - HVAC and Refrigeration systems: installation, service and repair
  • 5146 - Furniture Installation
  • 7198 - Mail, Parcel, or Package Delivery
  • 5022 - Masonry
  • 7382 - Transit and Ground Transportation
  • 5140 - Electrical Wiring: high wage
  • 9085 - Residential Care Facility
  • 9052 - Hotels and Motels: without pools or beaches
  • 5445 - Wallboard, Sheetrock, Drywall, Plasterboard, or Cement Board installation within buildings
  • 9097 - Residential Cleaning (CA)
  • 9083 - Restaurants: food trucks, cafeterias, fast food, and buffets
  • 8391 - Automobile Sales and Rental
  • 8293 - Furniture Moving and Storage

New Ventures

Pie Insurance will accept new ventures upon underwriter approval, if not included in the hazard group limitations. New venture applicants must be newly in business or have had too few employees to require coverage. Any applicant with prior Workers' Compensation coverage but without current coverage will be treated as a policy lapse requiring underwriting approval.

Max Premium

The maximum premium is $75,000 in subject premium.

Experience Modification Factor (XMOD)

The maximum allowable Experience Modification Factor is 1.50

Lapses in Coverage

Pie Insurance may offer coverage to applicants with a lapse in coverage on a case-by-case basis, with underwriting approval and a signed statement of no losses during the lapsed period.

Effective Dates and Backdating

Backdating is prohibited. Effective date must be in the future. Pie may consider same day binds to retain a normal anniversary date.

Coverage for Sole Proprietors

Pie Insurance may offer coverage to sole proprietors with no employees. In these instances, they may use the applicant's SSN instead of the FEIN and assign the state-mandated payroll. The owner must be included in coverage at the state's minimum payroll amount.

Federal Employer Identification Number (FEIN)

All policies that cover employees will be required to provide a FEIN prior to policy issuance.

Waivers

Specific waivers are available upon customer request and are subject to underwriter approval. Blanket waivers require underwriter review and should be used infrequently. All waivers carry an additional fee; generally, specific waivers are 5% subject to a $250 minimum, and blanket waivers are 2% subject to a $500 minimum.

Insured will receive an email with secure payment link information letting them know about the payment types accepted and also about the available installment options:

  • Annual: 100% due up front
  • Semi-Annual: 50% down, next payment due at 180 days
  • Quarterly: 25% down with payments due every 90 days
  • Monthly: 16.6% down with payments due monthly for 10 months

This information is provided as a guideline only and is subject to change with or without notice.