# Pie Insurance

**Canonical:** https://apis.io/providers/pie-insurance/  
**Website:** https://www.pieinsurance.com  
**APIs profiled:** 7

Pie Insurance is a Washington, DC and Denver-based insurtech founded in May 2017 that makes commercial insurance for small businesses, with workers' compensation as its flagship line. Pie underwrites its own workers' comp through The Pie Insurance Company (NAIC 21857) — the carrier formerly known as Pie Casualty Insurance Company, which Pie acquired as Western Select Insurance Company in 2021 and took full-stack in February 2023 with an A- (Excellent) rating from AM Best. In addition to workers' comp, Pie offers business owners policy (BOP), commercial auto, general liability, professional liability, and errors and omissions through partner carriers. The product is sold both direct-to-business and through a partner network of 4,000+ independent insurance agencies, who quote, bind, and service policies via the Pie agency portal and the Pie Partner API. The Partner API (api.post-prod.pieinsurance.com, REST/JSON, documented with OpenAPI 3.0.4) exposes class-code search, eligibility questions, appetite checks, price indications, full bindable quotes, quote documents, and quote PDF retrieval so agency management systems and partner platforms can embed the Pie workers' comp experience without redirecting users off-platform. Coverage is available in 39 states plus DC; 73% of submissions are auto-decided and average quote time is roughly three minutes. The company has raised approximately $621M across Seed through Series D from investors including Allianz X, SVB Capital, Greycroft, Aspect Ventures, and Elefund. CEO and co-founder is John Swigart. The Pie Partner API is the public developer surface; there is no broader open-source SDK or GitHub organization.

## Kin Score — 28.3 / 100 (thin)

Scored 2026-08-29 under rubric 0.16.0. Trend: flat (+0.0 from 28.3).

| Facet | Score |
|---|---|
| Discoverability | 74.1 |
| Contract Quality | 45.2 |
| Governance | 0.0 |
| Contract Governance | 0.0 |
| Operational Transparency | 0.0 |
| Developer Ergonomics | 33.3 |
| Commercial Clarity | 17.1 |
| Access Clarity | 17.1 |

Regulatory layer — **Insurance**: 24.2 (matched via tags).

## Agent readiness — 28.1 (agent-aware)

| Dimension | Value |
|---|---|
| Spec Presence | yes |
| Agentic Access | derived |
| Reversibility Documented | no |
| MCP Server | no |
| Auth Clarity | bearer |
| Idempotency | no |
| Error Semantics | verified |
| OpenAPI Examples | verified |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |
| Delegated Identity | no |
| Protected Resource Metadata | no |
| Dynamic Client Registration | no |
| Agentic Commerce | no |

## Access

Self-serve signup — onboarding: self-serve, pricing: unknown, trial: no (confidence: medium).

## APIs (7)

- **Pie Insurance Appetite API** — The Appetite API from Pie Insurance — 1 operation(s) for appetite.
- **Pie Insurance ClassCodeSearch API** — The ClassCodeSearch API from Pie Insurance — 1 operation(s) for classcodesearch.
- **Pie Insurance Eligibility API** — The Eligibility API from Pie Insurance — 1 operation(s) for eligibility.
- **Pie Insurance PriceIndication API** — The PriceIndication API from Pie Insurance — 2 operation(s) for priceindication.
- **Pie Insurance QuoteDocument API** — The QuoteDocument API from Pie Insurance — 1 operation(s) for quotedocument.
- **Pie Insurance QuotePdf API** — The QuotePdf API from Pie Insurance — 1 operation(s) for quotepdf.
- **Pie Insurance Quotes API** — The Quotes API from Pie Insurance — 2 operation(s) for quotes.

## Agentic access (1)

- **Pie Insurance Agentic Access** — 11 operations · 7 acting

## Security (2)

- **Pie Insurance Authentication** — http · 1 scheme
- **Pie Insurance Domain Security** — TLSv1.3 · HSTS · DMARC

## Tags

Insurance, Insurtech, Workers Compensation, Small Business, Commercial Insurance, Business Owners Policy, Commercial Auto, General Liability, Professional Liability, Agency Portal, Partner API, Quoting, Bindings

---

Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/pie-insurance/). Scores are computed from the provider's own public artifacts under a published rubric.