At-Bay vs Pie Insurance Cyber Insurance

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. ^4,5Company-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. ¹⁰Company-reported. Cyber Insurance product page as read on 2026-09-23.

The current cyber product page does not name an issuing insurer. At-Bay's 2023 announcement says new E&S cyber business is quoted on At-Bay Specialty Insurance Company paper, but that is a historical statement, not a per-quote disclosure. ^3,5Company-reported. Cyber product page checked today names no insurer; the carrier-transition release is dated August 2023 and does not cover every current state or account.

The reviewed page refers only to 'our insurance carrier partners' and does not name a specific insurer for Pie's cyber product. ¹⁰Not publicly disclosed. Cyber Insurance product page as read on 2026-09-23.

Not described in the reviewed sources.

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. ¹⁰Company-reported. Cyber Insurance product page as read on 2026-09-23; no minimum size, revenue, or industry restriction was published.

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. ³Company-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. ³Company-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. ¹⁰Company-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. ¹⁰Company-reported. Cyber Insurance product page as read on 2026-09-23.

At-Bay says it writes primary and excess cyber insurance for businesses with revenue up to $5 billion and limits up to $10 million. Through its Broker Platform, brokers can get automated quotes only for businesses up to $100 million in revenue and $3 million in limits. ³Company-reported. Published appetite ceilings, not guaranteed offers; underwriting and the appetite guide control individual accounts.

Not described in the reviewed sources.

Every At-Bay cyber policy includes access to At-Bay Stance, a security platform with vulnerability monitoring, vCISO advisory and tabletop exercises, and security awareness training. Managed detection and response (MDR) for endpoints or email costs extra, $16 or $25 per user per month respectively, and is sold separately by At-Bay Security, LLC. ³Company-reported. Product-page InsurSec and footnote descriptions; MDR pricing is described as estimated and subject to change.

Not described in the reviewed sources.

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. ³Company-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. ¹⁰Company-reported. Cyber Insurance product page as read on 2026-09-23.

At-Bay describes an in-house claims team and a named breach-coach phone line for active ransomware or system-interruption incidents, alongside a published cyber incident roadmap that assembles response partners after a claim is reported. ⁶Company-reported. Claims-handling page process description; does not establish claim outcomes or payment speed.

Not described in the reviewed sources.