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

Pie Insurance markets cyber to small businesses through partner carriers; Chubb underwrites Cyber ERM directly for organizations of any size.

Pie helps small businesses get cyber from unnamed insurance carrier partners and directs you to contact the company to start a quote. Chubb underwrites Cyber ERM and lets agents quote it through Cyber Central for risks under $100 million in revenue. ^3,¹

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

Unnamed Partner Intermediary Versus Chubb Writing Cyber ERM

Pie says it helps small businesses get 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. Chubb underwrites Cyber ERM directly for organizations of any size that handle sensitive data or run a network. Choose Pie if you want a small-business intermediary next to workers' compensation or BOP; choose Chubb if you want the underwriter to quote Cyber ERM. ³ ²

Identity-Theft Scenarios Versus an Incident-Response Fund

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. Chubb lists a first-party incident-response fund, business interruption with contingent interruption, digital data recovery and network extortion. ³ ¹

Contact-the-Company Versus Cyber Central

Pie directs cyber buyers to contact the company through its website to start a quote. Agents quote Chubb cyber through Cyber Central or Marketplace. ³ ¹

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

Ask Pie which carrier partner would issue the policy. ³
Ask Chubb which group entity issues the policy. ²
Get limits from both; Pie publishes none and Chubb publishes none. ³ ¹
Confirm whether Pie would quote cyber only or beside a BOP. ³

Chubb vs Pie Insurance Cyber Insurance Compared

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

Criteria	Chubb Cyber Insurance (Cyber Enterprise Risk Management)	Pie Cyber Insurance for Small Businesses
Who It’s For	Chubb says there are no minimum premiums and premiums scale for all risk sizes, offers Cyber Central and Marketplace quoting for risks under $100 million in revenue, and a customizable large-account cyber risk management solution for organizations over $1 billion in revenue. ¹Company-reported. Cyber Insurance Coverage & Products page eligibility and quoting description.	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. ³Company-reported. Cyber Insurance product page as read on 2026-09-23; no minimum size, revenue, or industry restriction was published.
How to Apply	Agents and brokers can quote cyber alone through Cyber Central or bundled with other lines through Chubb Marketplace; multinational programs can be serviced locally in more than 35 countries. ¹Company-reported. Cyber Insurance Coverage & Products page quoting section.	Pie directs cyber buyers to contact the company to start a quote through its website. ³Company-reported. Cyber Insurance product page as read on 2026-09-23.
Coverage Features	Chubb lists first-party cyber incident response fund, business interruption (with contingent business interruption for outsourced technology providers), digital data recovery, and network extortion; third-party cyber/privacy/network security liability, payment card loss, regulatory proceedings and media liability; and cyber crime coverages (computer fraud, funds transfer fraud, social engineering fraud) available by endorsement. ¹Company-reported. Cyber insurance coverage list on the products page; subject to exclusions and the policy as issued. Chubb offers a Widespread Event Endorsement with separate limits and retentions for systemic cyber events, a Ransomware Encounter Endorsement that lets buyers tailor limits and retentions for ransomware losses, and a Neglected Software Exploit Endorsement that gives a 45-day grace period to patch published vulnerabilities before risk-sharing shifts toward the policyholder. ¹Company-reported. Innovative coverage concepts section; endorsement availability depends on underwriting.	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. ³Company-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. ³Company-reported. Cyber Insurance product page as read on 2026-09-23.
Role in This Line	Chubb underwrites Cyber Enterprise Risk Management (Cyber ERM) directly. It covers cyber, privacy and media exposures for organizations of any size that handle sensitive data or run a network or website. ¹Company-reported. Cyber Insurance Coverage & Products page, Cyber Enterprise Risk Management section.	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. ³Company-reported. Cyber Insurance product page as read on 2026-09-23.