Small Business Workers' Compensation Coverage

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Learn more about Arizona workers’ compensation coverage.


Learn more about workers’ comp coverage in California.


Learn more about Colorado workers’ compensation insurance.


Learn more about Georgia workers’ comp coverage.


Learn more about Illinois workers’ comp coverage.


Learn more about Louisiana workers’ compensation coverage.


Learn more about Maryland workers’ comp.


Learn more about Michigan workers’ comp coverage.

New York

Learn more about New York workers’ compensation insurance.

North Carolina

Learn more about North Carolina workers’ comp.


Learn more about Pennsylvania workers’ comp coverage.


Learn more about Tennessee workers’ comp coverage.


Learn more about Texas workers’ compensation insurance.

Coming Soon

Pie is expanding across the country. More states coming soon!

Workers' Comp Insurance Basics

Learn more about workers’ comp coverage.

Small Businesses We Serve

Pie serves a variety of small businesses, from construction and manufacturing companies to small retail shops and cleaning companies.


Workers' compensation insurance for contractors, plumbers, electricians, painters, roofers, and other small businesses in the construction industry.

Restaurants, Bars, Caterers

Workers' compensation insurance for restaurants, bars, bakeries, caterers, and other small businesses in the food service industry.

Auto Repair

Workers' compensation insurance for automotive services, including car washes, tire shops, and auto body repair shops.


Workers' compensation insurance for small retail shops, including supermarkets and pharmacies.


Workers' compensation insurance for landscapers, including sod installation, lawn maintenance, and tree removal.

Office and Administrative

Workers' compensation insurance for office employees, including design firms, tech startups, or financial services businesses.

Cleaning and Janitorial

Workers' compensation insurance for cleaning companies, including janitorial, carpet cleaning, dry cleaning and laundry services, window cleaning, and residential cleaning.


Workers' compensation insurance for manufacturers, including furniture, sheet metal, food, printing, and machinery.


Workers' compensation insurance for home health businesses, assisted living and nursing homes, doctor and dentist offices, and other small healthcare companies.

small business workers comp coverage

Where can I buy workers’ compensation insurance?

Pie Insurance offers workers’ compensation insurance to small businesses in ArizonaCaliforniaColorado,  Georgia,   IllinoisMarylandMichiganNorth CarolinaPennsylvaniaTennessee, and  Texas, with more states coming soon. Small businesses can get a quote in just 2 minutes using our simple online process.


Private insurers approved by the state can provide workers’ compensation insurance to small businesses. Small businesses based in North Dakota, Ohio, Washington, Wyoming, Puerto Rico, and the U.S. Virgin Islands are required to purchase workers’ comp from the state, and private companies like Pie Insurance are not allowed to compete against these monopolistic state funds.

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Does my small business need workers' comp insurance?

Most small businesses are required to carry workers’ compensation coverage to protect their businesses from work-related employee injuries and illness. Workers’ comp provides wage replacement and medical benefits to employees who experience job-related illnesses or injuries.

workers' compensation coverage
workers' compensation coverage

What happens if I don’t carry workers’ compensation coverage?

Workers’ compensation coverage is compulsory in most states. If you live in a state that requires workers’ compensation insurance, you risk fines, felony charges, or even jail time for not having coverage, depending on the severity of the offense and the state law itself. If you live in a state where workers’ compensation insurance is elective, then not having coverage opens up your small business to risks.


Workers’ compensation laws are no-fault, which means that the employer agrees to pay regardless of fault. Likewise, employees cannot sue their employers for additional benefits than what’s already provided according to workers’ compensation insurance laws.

Does every type of occupation require workers’ comp coverage?

Each state may have some occupations not covered by workers’ comp, including volunteers for charitable organizations or certain farm group workers, but the majority of employees in the United States are in occupations covered under workers’ compensation laws.


If you only employ exempt workers, your small business is not required to provide workers’ comp benefits.

workers' compensation coverage

How We Help Small Businesses

Never feel lost again. We make getting workers’ comp coverage as easy as pie.

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Find savings for your small business.