Very Much Appreciate Finding James
Very much appreciate “finding” James Pyle and PIE Insurance, and the terrific prompt attention. I needed a California Workman’s Compensation Policy for my OPLAT-USA, and Environmental Planning Program proposing an Offshore International Airport Southern California.As a sole-proprietorship the coverage is required for my presentation at this years International Oceans Conference and Exhibition, like a really big-deal. I also appreciate now having a new agency relationship for other upcoming needs.
Reply from Pie Insurance
Financial Strength Rating Of Pie Insurance
Pie is backed by and their policies are underwritten by the Sirius Group, so they earn an A- for financial strength from A.M. Best. This is reassuring, since Pie is a new company and relatively unproven. This means that Pie has the financial resources they need to pay claims.
> > MORE: Best Small Business Insurance Companies 2020
Contact Commonwealth Law Group
A workers compensation claim can provide medical treatment and income reimbursement after an on-the-job injury, but the rules for obtaining benefits can be complex. As a result, there are many reasons why you may meet resistance when you try to collect the benefits you deserve.
Fortunately, a Richmond workers compensation lawyer may be able to help you. An experienced personal injury attorney could work to demonstrate that your injury arose out of your employment and pursue an appeal if the insurance company denies your claim for benefits. En Español.
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Is It Possible To Appeal A Decision
The Full Commission has the power to reexamine a Deputy Commissioners decision. However, these appeals are not second chances to introduce evidence to the Commission. Instead, the Full Commission must evaluate the actions of the Deputy Commissioners for any errors that may have resulted in an incorrect decision. Finally, it is possible to ask the Court of Appeals to intervene if a worker believes that the Commission has still made a mistake of law. A Richmond workers comp lawyer could guide employees through the appeals processes to seek the benefits they deserve.
If Only Insurance Were As Easy As Pie: Changing The Face Of Workers Comp For Small Businesses
Just over a week ago, we announced that Pie Insurance is available in California. This launch is a major milestone as we build our business, and more importantly, its a major win for small business owners.
Small businesses in California employ 6.8 million people, nearlyhalf of the states workforce. The commercial insurance industry is one of the last holdovers from the non-digital world. Much of it today still functions as it did in the pre-internet days through a confusing, offline process. Yet, Millennials and Gen-Xers make up more than half of all small business owners, and these digital natives crave a better solution.
Pie exists to fill that need. We serve small business owners and their unique needs by bringing the fair pricing and convenience that they expect and deserve. For the past six months, weve been selling insurance in Arizona, Georgia, Illinois, North Carolina, Louisiana, Tennessee, and Texas. Weve spent time with our customers and listened to their needs. Weve been called an answer to prayers and told everyone at Pie has been incredible.
We also developed a cost calculator to educate small businesses about what they should be paying for workers comp coverage. Over several months, thousands of small businesses used our tool to compare their workers comp costs to similar businesses in their state. Through this data, we learned that 80% of small businesses are overpaying for workers comp insurance by up to 30%. This is an expensive problem.
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One Bad Apple Can Spoil The Whole Experience
My contact person James is awesome. Great follow up and just a pleasure to work with someone who is completely on the ball. The rest of the company will not get my full vote of confidence until they correct the mistakes they made, specially the underwriter who is a complete smuck, changed my SIC code without disclosing it, good thing I read carefully and has not updated the policy online.
Reply from Pie Insurance
Great reps Zach our agent was professional and worked hard for our business I highly recommend them
Christina was very helpful and answered my question quickly
Pie saved me hundreds in workmens comp costs , great option.
I don’t have many occasions to call PIE but when I do it is always a great experience. Today I talked to Dahlen who was very helpful and solved my request. Great Job!
Reply from Pie Insurance
What Does Workers Comp Cover
Workers comp covers the damages experienced by a team member who is injured on the job. Both medical care and economic loss, such as lost wages, are often covered.
There are no co-pays that team members will need to pay when it comes to workers compensation insurance.
It is common for states to have treatment and test guidelines, which outline the max payment that will be covered for a given injury.
Many states have a limit on the number of weeks for which benefits can be paid for a temporary disability. As opposed to a permanent disability, team members eventually recover from temporary disabilities.
If a team member dies in a work-related accident, their family may be entitled to death benefits.
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Physical injuries, including hearing loss and carpal tunnel syndrome
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Pre-existing conditions worsened by the work environment
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Workplace slips, trips, or falls
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Injuries caused by a workplace hazard, such as a falling ceiling tile
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Injuries suffered while not at work
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Self-inflicted injuries
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Injuries suffered while in violation of company policy
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Injuries from committing a crime
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Pie Insurance: Sme Cover Is Overdue An Online Transformation
The US-based Pie Insurance was founded in 2017 with a mission to make workers comp as easy as pie – hence its name.
Partnering with local, regional and national insurance agencies, the company claims that it can save small businesses as much as 30% on premiums. Quotes can be generated online in three minutes and Pies services are available in 38 states.
The quality of its services has not gone unnoticed: Pie currently holds a score of 4.5 on Trustpilot, has featured on the , and has raised over $300m in capital so far.
Pie Insurance Expands Into New York Michigan Pennsylvania Maryland And Nebraska
Aims to make buying workers comp insurance as easy as pie for small business owners
WASHINGTON—-Pie Insurance announced today that it has begun selling workers compensation insurance to small businesses in New York, Michigan, Pennsylvania, Maryland, and Nebraska. These five states join Pies coverage area, which also includes Arizona, California, Colorado, Georgia, Illinois, Louisiana, North Carolina, Tennessee, and Texas. Now more than 3.2 million small businesses in 14 states can get workers compensation insurance online through a faster, easier online experience.
Pie meets small business owners where they are, offering them easy-to-understand quotes 24/7 on desktop or smartphones. Pie uses predictive analytics and high-quality datasets to digitize the workers compensation insurance experience, which could save small business owners up to 30% in the process.
Shopping for insurance should be simple and accessible just like other products and services we buy online, said John Swigart, Pies co-founder and CEO. Americas small businesses deserve a better workers comp insurance experience, as well as the ability to find savings in the process.
In 2017, Pie attracted $4.3 million in seed funding from Sirius Group, Moxley Holdings, and Elefund. In 2018, Greycroft and Aspect Ventures joined existing investors to bolster geographic expansion and scale operations as part of Pies $11 million Series A Funding round.
For more information, visit www.pieinsurance.com.
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Pie Insurance Brings Future Of Workers’ Compensation To Four New States
Pie Insurance today announced it has begun providing workers’ compensation insurance to small businesses in Mississippi, New Hampshire, Utah, and West Virginia. Now Pie offers coverage in 29 states and the District of Columbia to an audience of 4.1 million small business owners.
“With our exclusive focus on small businesses, Pie is reaching a community that had previously been underserved,” said CEO and co-founder, John Swigart. “Small businesses across the nation are in need of workers’ comp coverage that meets their unique needs, and we are excited to extend our services to Mississippi, New Hampshire, Utah, and West Virginia.”
Since selling its first policy in 2018, Pie Insurance has disrupted the industry with its approach, which includes providing small business owners with an easy online quote process and flexible payment plans.
As a managing general agency for Sirius American Insurance Company, Pie provides A.M. Best A rated workers’ compensation insurance. Pie’s policies are backed by significant financial strength and tailored to small business customersoften saving them up to 30%.
With over $61 million in funding and an experienced team of executives, Pie expects to bring its “easy as pie” workers’ comp approach to small business owners nationwide by the end of 2019.
About Pie Insurance
Have Questions Were On It
How do I know if I need workers compensation insurance?
None of us go about our work days expecting the worst to happen, but occasional accidents are inevitable. In fact, the National Safety Council reports that workplace accidents happen every 7 seconds. When employers buy workers comp insurance that is simple, straightforward, and comprehensive, they drastically limit the ramifications of injuries and illnesses that occur within the course of the work.
Worried about the cost of workers comp coverage? Having workers compensation insurance can pay for itself in the event that an employee is injured on the job, because workers comp policy premiums are typically significantly lower than the costs associated with covering medical expenses, lost wages, and other work injury-related expenses.
We currently provide workers comp insurance to business owners in 42 states, including:
Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Hawaii, Idaho, Illinois, Indiana, Iowa, Kentucky, Lousiana, Maine, Maryland, Michigan, Mississippi, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Vermont, Virginia, Washington D.C., West Virginia, Wisconsin.
Read more about the ins and outs of workers comp insurance on our blog post titled What is workers comp insurance? in our Learning Center.
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What Does It Mean When People Say Workers’ Comp Is An Auditable Policy
When first purchasing a workers comp policy, the premium is based on the estimated payroll over the period the policy will cover. To ensure the policyholder is paying the correct premium, a premium audit or payroll audit is conducted after the policy period has ended. This audit can result in the policyholder needing to pay more or less for the policyif theres a difference between the actual and estimated premium. The insurer will reach out to the policyholder to conduct the audit and may ask about the duties of different team members or request payroll documents.
Pie Insurance Review 2021
Pie insurance is a small business insurance company, mostly focusing on workers compensation, although they have other types of business insurance as well. Pie is part of a digital revolution in the small business insurance field. Companies such as Pie seek to make the entire process of buying business insurance faster, easier and completely online.
Pie launched in 2018, covering just four states . Now, theyre available in 34 states just two years later, and they have plans to expand to the remaining states.
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What Is The National Council On Compensation Insurance
The NCCI is an insurance rating and data collection service for workers comp. It is a non-profit organization that recommends rates to insurers. To do this, NCCI collects and analyzes a wide range of workers comp information. They produce guidance manuals for most states to define classification codes and experience modification ratings.
The states that are not part of the NCCI are CA, DE, IN, MA, MI, MN, NC, ND, NJ, NY, OH, PA, WA, WI, and WY.
Does My Small Business Need Workers’ Comp Insurance Coverage
Most small businesses are legally required to carry workers comp insurance coverage. Workers comp helps protect businesses and employees from the costs associated with work-related injuries. Workers comp provides wage replacement and medical benefits to workers who experience job-related illnesses or injuries.
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Let A Richmond Workers Compensation Attorney Be Your Advocate
Workplace accidents can be stressful and demoralizing events. You rely on your job to support yourself and your family, and it seems unfair that your ability to do so is imperiled by an accident at work.
These situations are exactly the purpose of workers compensation insurance. A successful claim will cover all necessary medical treatment, temporary payments for any time missed at work, and even lump-sum settlements in many situations.
However, denials of benefits are common. Whether this is the result of incomplete paperwork, a lack of connection between the condition and work, or some other reason, a Richmond workers compensation lawyer could help. They can work with you to evaluate the stated reasons for denials, gather strong evidence, and pursue claims and appeals that may be necessary to get you the benefits that you deserve. Contact an attorney today to get started.
Protecting A Workers Rights Following A Denial
It is essential to remember that a workers compensation insurance company is in business to make a profit. They accomplish this by collecting employer premiums and by denying benefits whenever possible. As a result, a less than perfect application for benefits, or one where there is a legitimate dispute over the law, may result in a denial. Common reasons for a denial include:
- A worker fails to file a notice with the Workers Compensation Commission within two years of the injury, as required under VA Code §65.2-601
- There is no connection between the health condition and time on the job
- The injury is not severe enough to warrant an inability to return to work
Regardless of the reasons for a denial, all employees have the right to challenge the insurance companys denial of their claim. To start this process, a worker may file a claim for benefits form with the Workers Compensation Commission requesting a hearing before a Deputy Commissioner.
At these hearings, both the worker and the employer will have the opportunity to call witnesses, to introduce documentary evidence, and to present their case to the hearing officer. Even if this hearing does not result in benefits, there is an opportunity to request an appeal.
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Is The Claim Valid If It Does Not Directly Involve Work Activity
The most important part of a successful claim is proving that an injury or illness is connected to work activity. Specifically, there must be a direct causal connection between the conditions under which work was performed and the ailment. Exceptions to this rule do apply. For example, a person who suffers an injury while commuting to work does not qualify. A Richmond workers compensation attorney could provide more information and evaluate an employees eligibility for benefits.