CFC vs Pie Insurance: How Do They Compare for Cyber Insurance?

CFC offers its own product for businesses up to $250 million, with built-in response; Pie Insurance markets cyber to small businesses through partner carriers.

Pie helps small businesses get cyber from unnamed insurance carrier partners and directs you to contact the company to start a quote. CFC sells Cyber Proactive Response as a named product with in-house 24/7 incident response for revenues from $0 to $250 million. ^6,¹

What Are the Key Differences Between CFC and Pie Insurance Cyber Insurance?

Unnamed Partner Intermediary Versus a Named CFC Product

Pie says it helps small businesses get the best cyber coverage from its insurance carrier partners, identifying itself as an intermediary rather than the underwriter, and it cross-sells the line beside workers' compensation, commercial auto and BOP. CFC sells Cyber Proactive Response as its flagship product for $0 to $250 million in revenue, with CFC Response included, rather than routing you to unnamed partners. Choose Pie if you want a small-business intermediary next to workers' compensation or BOP; choose CFC if you want that named product with in-house response. ⁶ ¹

Identity-Theft Scenarios Versus Crime Cover and Data Recreation

Pie lists first-party costs when your data is stolen, third-party help if you are sued, plus identity theft, cyber extortion and lawsuit scenarios. CFC lists crime cover, a 12-month interruption indemnity period, data recreation and unlimited reinstatements. ⁶ ¹

Contact-the-Company Versus a One-Page Control Form

Pie directs cyber buyers to contact the company through its website to start a quote. CFC's US application is a one-page form on MFA and backups. ⁶ ⁴

What Should You Confirm in CFC and Pie Insurance Cyber Insurance Quotes?

Ask Pie which carrier partner would issue the policy. ⁶
Ask CFC which insurer sits behind Cyber Proactive Response. ⁴
Get limits from both; Pie publishes none. ⁶ ¹
Confirm whether Pie would quote cyber only or beside a BOP. ⁶

CFC vs Pie Insurance Cyber Insurance Compared

CFC vs Pie Insurance: Cyber Insurance: documented features by provider

Criteria	CFC Cyber Proactive Response	Pie Cyber Insurance for Small Businesses
Who It’s For	CFC segments cyber eligibility by revenue: Cyber Proactive Response and Cyber (admitted) are positioned for businesses with revenues from $0 to $250 million, while Corporate cyber is for businesses at $250 million and above. ¹Company-reported. Cyber product page product summaries; actual eligibility for a given applicant 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. ⁶Company-reported. Cyber Insurance product page as read on 2026-09-23; no minimum size, revenue, or industry restriction was published.
How to Apply	The US Cyber Proactive Response application is a one-page form asking whether multi-factor authentication is enforced for remote network access and email, whether backups are offline or MFA-secured, and whether the business had a cyber incident in the last three years. ⁴Company-reported. Cyber Proactive Response application form sections on cyber security controls and previous cyber incidents.	Pie directs cyber buyers to contact the company to start a quote through its website. ⁶Company-reported. Cyber Insurance product page as read on 2026-09-23.
Coverage Features	Cyber Proactive Response includes crime cover, a 12-month indemnity period for business interruption, and data recreation cover, with unlimited claim reinstatements available at either no deductible or a single deductible at most. ¹Company-reported. Cyber product page Key features list for Cyber Proactive Response.	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	CFC's flagship cyber product, Cyber Proactive Response, targets businesses with revenues from $0 to $250 million and pairs the policy with built-in security monitoring, incident response and claims handling rather than selling those as add-ons. ¹Company-reported. Cyber insurance product page's Cyber Proactive Response summary; CFC separately sells Cyber (admitted), Corporate cyber for businesses at $250 million and up, and a Cyber excess 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.