Beazley vs 
Pie Insurance: How Do They Compare for Cyber Insurance?
Pie Insurance markets cyber to small businesses through partner carriers; Beazley sells Full Spectrum Cyber to accounts under $35 million, purchased through a broker.
Pie helps small businesses buy cyber from unnamed carrier partners and directs you to contact the company to start a quote. Beazley underwrites Full Spectrum Cyber through brokers for accounts under $35 million in revenue with limits up to $5 million. 5,1
What Are the Key Differences Between Beazley and Pie Insurance Cyber Insurance?
Carrier-Partner Intermediary Versus a Beazley Form
Pie says it helps small businesses get cyber coverage from its insurance carrier partners, identifying itself as an intermediary rather than the underwriter. Beazley sells Full Spectrum Cyber as its own product for accounts under $35 million in revenue with limits up to $5 million, bound by a broker on myBeazley. Choose Pie if you want a small-business intermediary to shop unnamed partners; choose Beazley if you want that named Beazley form and fit the revenue cap. 5 1
Contact-to-Quote Versus a Broker Platform
Pie directs cyber buyers to contact the company through its website to start a quote, and it cross-sells the line beside workers' compensation, commercial auto and BOP pages. Beazley does not offer a buyer-facing online bind for Full Spectrum Cyber; a broker quotes and binds it on myBeazley. 5 1
Identity-Theft Scenarios Versus Sample Insuring Agreements
Pie lists first-party costs when your own data is stolen or network is hacked, third-party help if you are sued, plus identity theft, cyber extortion and lawsuit scenarios. Beazley's sample MediaTech form names Breach Response Costs, Cyber Extortion Loss, business interruption and eCrime rather than an identity-theft scenario list. 5 3
What Should You Confirm in Beazley and Pie Insurance Cyber Insurance Quotes?
- Ask Pie which carrier partner would issue your policy; the page names none. 5
- Ask Beazley whether the quote is Full Spectrum Cyber or MediaTech with a shared aggregate. 3
- Confirm whether Pie would quote cyber beside a BOP or workers' compensation placement. 5
- Get written limits from both; Pie publishes none and Beazley publishes a $5 million Full Spectrum ceiling. 5 1
Beazley vs Pie Insurance Cyber Insurance Compared
Beazley vs Pie Insurance: Cyber Insurance: documented features by provider
| Criteria | Beazley Full Spectrum Cyber for Small Businesses | Pie Cyber Insurance for Small Businesses |
|---|---|---|
| Who It’s For | Beazley says Full Spectrum Cyber is available to accounts with under $35 million in annual revenue, with coverage limits up to $5 million, purchased by a broker through Beazley's myBeazley platform. 1Company-reported. Full Spectrum Cyber product page eligibility paragraph; eligibility for a particular business still depends on underwriting. | 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. 5Company-reported. Cyber Insurance product page as read on 2026-09-23; no minimum size, revenue, or industry restriction was published. |
| How to Apply | Beazley says brokers can get a quote and bind Full Spectrum Cyber through its myBeazley platform for qualifying small accounts. The MediaTech application separately asks about ransomware controls such as multi-factor authentication, VPN use, patch timing and backup frequency, which affect underwriting. 1,4Company-reported. Full Spectrum Cyber product page myBeazley paragraph and MediaTech application Ransomware Controls section; a completed application does not establish acceptance, and myBeazley is a broker tool, not a direct-to-business portal. | 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 | The sample MediaTech cyber insuring agreements cover Breach Response Costs after an actual or suspected data breach, Cyber Extortion Loss from an extortion threat, business interruption loss from a security breach or system failure, and eCrime losses from fraudulent instruction, funds transfer fraud or telephone fraud. 3Company-reported. Sample policy form F00731, 022019 edition; the issued policy's wording and any endorsements control, and a stand-alone Full Spectrum Cyber policy may use different wording. | 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 | For small businesses, Beazley sells cyber coverage two ways: as Full Spectrum Cyber, built around its Beazley Breach Response product plus integrated risk-management services from its in-house Beazley Security unit, and as the cyber component bundled inside the broader MediaTech form alongside tech E&O, professional E&O and media liability. 1,2Company-reported. US small-business product pages for Full Spectrum Cyber and MediaTech; does not address any larger-account cyber program Beazley may write separately. | 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. |
