At-Bay vs Pie Insurance: How Do They Compare for Cyber Insurance?

Pie Insurance markets cyber to small businesses through partner carriers; At-Bay publishes appetite up to $5 billion in revenue and offers tiered security options.

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. At-Bay includes Stance monitoring and writes primary and excess cyber for revenue up to $5 billion and limits up to $10 million. ^5,¹

What Are the Key Differences Between At-Bay and Pie Insurance Cyber Insurance?

A Small-Business Bundle Pitch Versus Published Appetite Ceilings

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. At-Bay includes Stance on every policy and publishes appetite up to $5 billion in revenue and $10 million in limits rather than that small-business bundle story. Choose Pie if you want cyber quoted next to those other small-business lines; choose At-Bay if you want Stance and those published ceilings. ⁵ ¹

Identity-Theft Scenarios Versus Listed Crime Grants

Pie describes first-party coverage when a business's own data is stolen or network hacked, and third-party coverage if the business is sued, listing identity theft, cyber extortion and lawsuit protection. It directs buyers to contact the company through its website and does not name a carrier. At-Bay lists social engineering and invoice manipulation for all classes, contingent business interruption, cryptojacking and bricking at full limits, and a breach-coach line. ⁵ ¹ ⁴

What Should You Confirm in At-Bay and Pie Insurance Cyber Insurance Quotes?

Ask Pie which carrier partner would write the policy and whether it attaches to a BOP. ⁵
Ask At-Bay which appetite band and Stance tier apply. ¹
Compare Pie's identity-theft scenario with At-Bay's listed social-engineering grant. ⁵ ¹

At-Bay vs Pie Insurance Cyber Insurance Compared

At-Bay vs Pie Insurance: Cyber Insurance: documented features by provider

Criteria	At-Bay Cyber Insurance	Pie Cyber Insurance for Small Businesses
How to Apply	You apply for At-Bay cyber coverage by emailing a submission to underwriting@at-bay.com or by requesting an automated quote through At-Bay's Broker Platform. ¹Company-reported. Product-page submission instructions; the Broker Platform route is limited to accounts within its lower appetite ceilings.	Pie directs cyber buyers to contact the company to start a quote through its website. ⁵Company-reported. Cyber Insurance product page as read on 2026-09-23.
Coverage Features	At-Bay lists direct and contingent business interruption and system failure coverage, social engineering and invoice manipulation coverage for all classes of business, full limits for cryptojacking and bricking, broad cyber extortion coverage including cryptocurrency payment, and reputational-harm coverage for PR costs from adverse publicity. ¹Company-reported. Product-page coverage highlights; the issued policy and endorsements control actual terms. At-Bay sells cyber insurance with optional InsurSec security tiers: Core includes vulnerability monitoring and a fraud-defense sub-limit; Advanced adds a reduced ransomware retention and a zero-hour ransomware waiting period; Complete adds a $0 financial-fraud retention and a $1 million financial-fraud sub-limit. Each higher tier requires a separately purchased managed detection and response (MDR) subscription. ¹Company-reported. Product-page InsurSec package descriptions and footnotes; availability depends on the business's risk profile and qualifying conditions.	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. ⁵Company-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. ⁵Company-reported. Cyber Insurance product page as read on 2026-09-23.
Role in This Line	At-Bay places cyber insurance through its disclosed producer, At-Bay Insurance Services LLC, which is licensed as an insurance producer in all 50 states. At-Bay says eligible new excess-and-surplus (E&S) cyber business has been written on its own carrier paper, At-Bay Specialty Insurance Company, since August 2023. ^2,³Company-reported. Producer role from the current license page; carrier role from a 2023 transition announcement, not confirmed for every current cyber quote.	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. ⁵Company-reported. Cyber Insurance product page as read on 2026-09-23.

Criteria

At-Bay Cyber Insurance

Pie Cyber Insurance for Small Businesses

How to Apply

You apply for At-Bay cyber coverage by emailing a submission to underwriting@at-bay.com or by requesting an automated quote through At-Bay's Broker Platform. ¹Company-reported. Product-page submission instructions; the Broker Platform route is limited to accounts within its lower appetite ceilings.

Pie directs cyber buyers to contact the company to start a quote through its website. ⁵Company-reported. Cyber Insurance product page as read on 2026-09-23.

Coverage Features

At-Bay lists direct and contingent business interruption and system failure coverage, social engineering and invoice manipulation coverage for all classes of business, full limits for cryptojacking and bricking, broad cyber extortion coverage including cryptocurrency payment, and reputational-harm coverage for PR costs from adverse publicity. ¹Company-reported. Product-page coverage highlights; the issued policy and endorsements control actual terms.

At-Bay sells cyber insurance with optional InsurSec security tiers: Core includes vulnerability monitoring and a fraud-defense sub-limit; Advanced adds a reduced ransomware retention and a zero-hour ransomware waiting period; Complete adds a $0 financial-fraud retention and a $1 million financial-fraud sub-limit. Each higher tier requires a separately purchased managed detection and response (MDR) subscription. ¹Company-reported. Product-page InsurSec package descriptions and footnotes; availability depends on the business's risk profile and qualifying conditions.

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. ⁵Company-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. ⁵Company-reported. Cyber Insurance product page as read on 2026-09-23.

Role in This Line

At-Bay places cyber insurance through its disclosed producer, At-Bay Insurance Services LLC, which is licensed as an insurance producer in all 50 states. At-Bay says eligible new excess-and-surplus (E&S) cyber business has been written on its own carrier paper, At-Bay Specialty Insurance Company, since August 2023. ^2,³Company-reported. Producer role from the current license page; carrier role from a 2023 transition announcement, not confirmed for every current cyber quote.

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. ⁵Company-reported. Cyber Insurance product page as read on 2026-09-23.