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Insurance · head to head

Pie Insurance vs Semsee

Pie Insurance logo

Pie Insurance

Insurance

Small business workers compensation and commercial insurance sold by online quote

From
On request
Rated
-
Full reviewWebsite
Semsee logo

Semsee

Insurance

Small commercial insurance quoting that sends one submission to many carriers

From
Free
Rated
-
Full reviewWebsite

The short version

  • Only Semsee has a free tier, so it costs nothing to try first.
  • Each has a real cost: Pie Insurance no pricing published on website; custom quotes required based on coverage needs; Semsee the free tier only quotes Semsee's own carrier panel, so the workflow consolidation most agencies actually want, running their own appointments through one form, costs fifty dollars per user per month on top.
  • Prices and features above were last checked on 31 August 2026.

Where they differ

Only the attributes on which Pie Insurance and Semsee actually diverge.

Attributes where Pie Insurance and Semsee differ
AttributePie InsuranceSemsee
Starting priceOn requestFree
Pricing modelquotePer user per month
Free tierNoYes

Identical on both: platforms (Web), user rating (Not yet rated), category (Insurance).

What each one covers

Drawn from each product's published feature list. An absence here means we hold no record of it - not that the product lacks it.

Only in Pie Insurance

Nothing recorded that Semsee does not also cover.

Only in Semsee

  • Single submission to many carriers
  • Appetite checker
  • Class code finder
  • Direct appointment quoting
  • ACORD forms
  • Auto-fill
  • Proposal generation
  • Wholesale and MGA access

What people use each for

The jobs each tool is most often brought in to do.

Pie Insurance

  • Workers compensation insurancenot Semsee
  • Business liability coveragenot Semsee
  • Commercial property insurancenot Semsee

Semsee

  • A personal lines agency starting to write small commercial that has no commercial appointments and needs market access without meeting carrier production requirementsnot Pie Insurance
  • A retail agency quoting twenty BOP submissions a month that is losing hours retyping the same risk into six carrier portalsnot Pie Insurance
  • A wholesaler that wants a structured intake form so retail agents stop sending incomplete submissions by emailnot Pie Insurance
  • An agency checking appetite before spending time on a submission that no carrier on its panel will writenot Pie Insurance

Where each one falls short

Documented limitations, not opinions. Every one is a constraint you would hit in normal use.

Pie Insurance

  • No pricing published on website; custom quotes required based on coverage needs
  • Savings claims (up to 30%) vary by individual quote and are unavailable for Workers' Compensation policies in Wisconsin
  • Discounts and pricing vary among insurers underwriting specific policy types

Semsee

  • The free tier only quotes Semsee's own carrier panel, so the workflow consolidation most agencies actually want, running their own appointments through one form, costs fifty dollars per user per month on top.
  • Carrier coverage is concentrated in small commercial lines such as BOP, general liability and workers compensation, so anything with real complexity still goes to the carrier portal or the underwriter by email.
  • Quotes returned are indicative for many carriers and still subject to underwriting referral, so an agent can present a number to a client and see it change at bind, which damages trust.
  • The March 2026 acquisition by iBynd puts the product inside a wider distribution platform, and buyers should expect priority to shift towards iBynd's end-to-end ambitions rather than incremental improvements to standalone quoting.
  • Agency management system integration is limited, so quote and policy data frequently has to be re-entered into the AMS after binding, which reintroduces the duplicate entry the product exists to remove.

Pricing, plan by plan

Pie Insurance

On request

No published plan breakdown. See the Pie Insurance review.

Semsee

Free
  • EssentialFree
    • Access to the Semsee carrier panel
    • Appetite checker
    • ACORD form generation
  • Professional$50/month
    • Everything in Essential
    • Quote your own direct appointed carriers
    • Class code finder
  • Enterprise$undefined/month
    • White labelled deployment
    • Advanced workflow
    • Carrier and MGA distribution features

Which should you pick?

Choose Pie Insurance if

Nothing in the data separates Pie Insurance from Semsee on the points above - pick on price and on how each one feels to use.

Pie Insurance review

Choose Semsee if

  • You need single submission to many carriers.
  • You want to start without paying.
  • You also want appetite checker.
Semsee review

Questions people ask

Is Pie Insurance or Semsee better?
Neither clearly leads. Pie Insurance starts at On request and Semsee at Free, and user ratings are close enough to be indistinguishable. Choose on capability and platform support.
Which is cheaper, Pie Insurance or Semsee?
Semsee has a free tier; the other does not. Paid plans start at On request for Pie Insurance and Free for Semsee.
Does Pie Insurance or Semsee run on more platforms?
Both run on Web, so platform support will not decide this one for you.
Can I use Semsee for free?
Yes. Semsee has a free tier, so you can try it without paying. Pie Insurance starts at On request.
What is Pie Insurance best used for?
Pie Insurance is most often used for workers compensation insurance, business liability coverage, commercial property insurance. Of those, workers compensation insurance and business liability coverage are not what Semsee is typically brought in for.
What can Pie Insurance do that Semsee cannot?
Semsee covers Single submission to many carriers, Appetite checker, Class code finder, Direct appointment quoting.

Answered from the vendors’ own pages

Pie Insurance: How much does Pie insurance cost?

Pie Insurance does not publish specific pricing on its website. Customers must request a personalized quote through their online portal to receive pricing, which takes approximately 3 minutes.

Source
Semsee: Is Semsee free?

The Essential tier is genuinely free and gives access to Semsee's own carrier panel. Quoting your own direct appointments requires the Professional tier at fifty dollars per user per month.

Pie Insurance: How does Pie Insurance determine pricing?

Pie uses data-driven insurance technology to ensure competitive pricing. Individual quotes and coverage determinations are made on a case-by-case basis after customers provide business information.

Source
Semsee: Do I need carrier appointments to use it?

No. That is the main reason small agencies sign up, since Semsee's panel provides market access without production commitments.

Semsee: Is Semsee still independent?

No. iBynd acquired Semsee in March 2026, though the product is still sold under the Semsee name.

Semsee: Which lines does it cover?

Small commercial: business owners policy, general liability, workers compensation, commercial auto and some professional liability, depending on carrier.

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