Amelia Risk vs Pie Insurance: How Do They Compare for Cyber Insurance?

Both are intermediaries: Pie Insurance markets cyber to small businesses generally, while Amelia Risk focuses on startups, tech companies and consumer brands.

Pie helps small businesses get cyber from carrier partners and lists identity theft, cyber extortion and lawsuit protection among scenarios, sold alongside workers' compensation and BOP. Amelia Risk arranges network-security coverage for startups, technology and CPG companies rather than that small-business bundle pitch. ^6,^2,^3,^4,⁵

What Are the Key Differences Between Amelia Risk and Pie Insurance Cyber Insurance?

A Small-Business Bundle Pitch Versus CPG and Startup Lists

Pie says it helps small businesses get cyber coverage from insurance carrier partners, marketing it generally and cross-selling alongside workers' compensation, commercial auto and BOP. Amelia Risk lists cyber among policies for startups, technology companies, CPG brands and consumer-product companies. Choose Pie if you want cyber quoted next to those other small-business lines; choose Amelia Risk if you are a CPG or startup account that wants that specialty brokerage. ⁶ ² ⁴

Pie describes first-party coverage for expenses when a business's own data is stolen or network hacked, and third-party coverage if the business is sued, listing identity theft for an employee or customer, cyber extortion, and financial protection against related lawsuits. Amelia Risk describes network security and privacy liability with first- and third-party grants and treats cyber-crime and social engineering as a traditional add-on. Pie directs buyers to contact the company through its website; Amelia is also advisor-led. Neither names the issuer. ⁶ ¹

What Should You Confirm in Amelia Risk and Pie Insurance Cyber Insurance Quotes?

Ask Pie which carrier partner would write the policy and whether it attaches to a BOP. ⁶
Ask Amelia Risk whether you fit its CPG or startup lists and whether social engineering is extra. ⁴ ¹
Compare Pie's identity-theft scenario with Amelia's proposed first- and third-party form. ⁶ ¹

Amelia Risk vs Pie Insurance Cyber Insurance Compared

Amelia Risk vs Pie Insurance: Cyber Insurance: documented features by provider

Criteria	Amelia Risk Cyber Liability Insurance Brokerage	Pie Cyber Insurance for Small Businesses
Who It’s For	Amelia Risk lists cyber liability among the policies it places for startups, technology companies, CPG (better-for-you food, beverage and cosmetic) brands, and consumer-product companies. ^2,^3,^4,⁵Company-reported. Specialty pages' "policies to consider" lists, marketed segments rather than an underwriting appetite statement. Amelia Risk recommends buying cyber coverage early in a company's life, pointing to rising ransomware attacks against small businesses as the reason. ¹Company-reported. Cyber product page timing guidance; a general recommendation, not a stated minimum revenue or headcount threshold.	Pie markets cyber insurance to small businesses generally, cross-selling it alongside workers' compensation, commercial auto, and BOP insurance on other small-business product pages. ⁶Company-reported. Cyber Insurance product page as read on 2026-09-23; no minimum size, revenue, or industry restriction was published.
Coverage Features	Amelia describes its cyber liability placements as combining network security and privacy liability (protecting a client's networks against unauthorized access and protecting personal, health or other sensitive data) with first-party coverage for losses the business incurs and third-party coverage for claims alleging the business is at fault. ¹Company-reported. Cyber product page description; the actual policy wording and sublimits depend on the issuing insurer and the client's declarations. Amelia describes cyber-crime and social engineering coverage as a traditional add-on to the base cyber policy rather than something included by default. ¹Company-reported. Cyber product page description as of 23 September 2026.	Pie describes its cyber policies as varying by business need, with first-party coverage for expenses when a business's own data is stolen or network hacked, and third-party coverage to help if the business is sued over a cybercrime affecting others. ⁶Company-reported. Cyber Insurance product page as read on 2026-09-23; the issued policy controls the specific insuring agreements and exclusions. Pie lists identity theft (for an employee or customer's stolen identity), cyber extortion (help regaining private information after an extortion event), and financial protection against related lawsuits as scenarios its cyber coverage responds to. ⁶Company-reported. Cyber Insurance product page as read on 2026-09-23.
Role in This Line	Amelia Risk arranges cyber liability coverage for its clients, describing and structuring the policy around network security and privacy liability rather than underwriting it directly. ¹Company-reported. Amelia's own cyber liability product page as of 23 September 2026. Does not establish who issues a particular client's policy.	Pie says it helps small businesses get the best cyber coverage 'from our insurance carrier partners,' identifying itself as an intermediary rather than the underwriter for this line. ⁶Company-reported. Cyber Insurance product page as read on 2026-09-23.

Criteria

Amelia Risk Cyber Liability Insurance Brokerage

Pie Cyber Insurance for Small Businesses

Who It’s For

Amelia Risk lists cyber liability among the policies it places for startups, technology companies, CPG (better-for-you food, beverage and cosmetic) brands, and consumer-product companies. ^2,^3,^4,⁵Company-reported. Specialty pages' "policies to consider" lists, marketed segments rather than an underwriting appetite statement.

Amelia Risk recommends buying cyber coverage early in a company's life, pointing to rising ransomware attacks against small businesses as the reason. ¹Company-reported. Cyber product page timing guidance; a general recommendation, not a stated minimum revenue or headcount threshold.

Pie markets cyber insurance to small businesses generally, cross-selling it alongside workers' compensation, commercial auto, and BOP insurance on other small-business product pages. ⁶Company-reported. Cyber Insurance product page as read on 2026-09-23; no minimum size, revenue, or industry restriction was published.

Coverage Features

Amelia describes its cyber liability placements as combining network security and privacy liability (protecting a client's networks against unauthorized access and protecting personal, health or other sensitive data) with first-party coverage for losses the business incurs and third-party coverage for claims alleging the business is at fault. ¹Company-reported. Cyber product page description; the actual policy wording and sublimits depend on the issuing insurer and the client's declarations.

Amelia describes cyber-crime and social engineering coverage as a traditional add-on to the base cyber policy rather than something included by default. ¹Company-reported. Cyber product page description as of 23 September 2026.

Pie describes its cyber policies as varying by business need, with first-party coverage for expenses when a business's own data is stolen or network hacked, and third-party coverage to help if the business is sued over a cybercrime affecting others. ⁶Company-reported. Cyber Insurance product page as read on 2026-09-23; the issued policy controls the specific insuring agreements and exclusions.

Pie lists identity theft (for an employee or customer's stolen identity), cyber extortion (help regaining private information after an extortion event), and financial protection against related lawsuits as scenarios its cyber coverage responds to. ⁶Company-reported. Cyber Insurance product page as read on 2026-09-23.

Role in This Line

Amelia Risk arranges cyber liability coverage for its clients, describing and structuring the policy around network security and privacy liability rather than underwriting it directly. ¹Company-reported. Amelia's own cyber liability product page as of 23 September 2026. Does not establish who issues a particular client's policy.

Pie says it helps small businesses get the best cyber coverage 'from our insurance carrier partners,' identifying itself as an intermediary rather than the underwriter for this line. ⁶Company-reported. Cyber Insurance product page as read on 2026-09-23.

Amelia Risk vs Pie Insurance: How Do They Compare for Cyber Insurance?

What Are the Key Differences Between Amelia Risk and Pie Insurance Cyber Insurance?

A Small-Business Bundle Pitch Versus CPG and Startup Lists

What Should You Confirm in Amelia Risk and Pie Insurance Cyber Insurance Quotes?

Amelia Risk vs Pie Insurance Cyber Insurance Compared

About Amelia Risk and Pie Insurance and Cyber Insurance

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