Embroker vs 
Pie Insurance Cyber Insurance
Embroker names distinct buyer segments across industries, while Pie markets cyber to small businesses generally, cross-sold with other lines.
What Is Embroker?
Embroker is a business insurance broker and online platform serving startups, technology companies and professional-services firms, with proprietary programs and broker-assisted placements. 1,2,3
What Is Pie Insurance?
Pie Insurance sells and administers small-business commercial insurance, with affiliated carriers writing its workers’ compensation program and outside carrier partners supporting selected other products. Businesses can start a workers’ compensation quote online or use an agent, then manage documents, certificates, billing, audits and claim reporting through Pie’s service channels. 5,6,7
What Is Cyber Insurance?
Cyber insurance can help a business respond to cyber incidents and address covered liability claims arising from them. 9
Key Differences in Cyber Insurance
Named Segments Versus a General Small-Business Market
Embroker names specific buyer types: startups and tech companies, financial institutions, professional services firms, healthcare providers and law firms. 4 Pie instead markets cyber insurance to small businesses generally, cross-selling it alongside workers' compensation, commercial auto and BOP insurance on its other product pages, without naming an industry list. 8
Naming the Role in the Transaction
Embroker's cyber page describes its policy and coverage in detail without characterizing itself as a broker or naming the insurer behind it. 4 Pie explicitly identifies itself as an intermediary, saying it helps small businesses get coverage "from our insurance carrier partners" without naming one. 8
How Coverage Scenarios Are Described
Embroker categorizes coverage into named buckets: network security liability, privacy liability, data loss and recovery, business interruption, and cyber extortion including ransom payments. 4 Pie instead describes coverage through scenarios: identity theft for an employee or customer, cyber extortion, and financial protection against related lawsuits. 8
What to Confirm in Cyber Insurance Quotes
- Ask Pie to name the specific carrier partner behind your quote, since its page doesn't disclose one. 8
- Ask Embroker to name the insurer behind its policy, since the product page doesn't disclose one either. 4
- If your business doesn't fit Embroker's named segments, ask Pie whether its small-business cyber product still applies. 4 8
- Ask both for limit and retention figures, since neither publishes them. 4 8
Offering Details
Embroker vs Pie Insurance Cyber Insurance: documented features by provider
| Criteria | Embroker Cyber Insurance | Pie Cyber Insurance for Small Businesses |
|---|---|---|
| Role in This Line | Embroker sells a standalone cyber liability policy and separately notes lawyers professional liability buyers should also review its cyber page, describing cyber as covering both first-party and third-party losses. 4Company-reported. Product-page description; not a statement about the issuing insurer for this line. | 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. 8Company-reported. Cyber Insurance product page as read on 2026-09-23. |
| Issuing Insurer | Not described in the reviewed sources. | The reviewed page refers only to 'our insurance carrier partners' and does not name a specific insurer for Pie's cyber product. 8Not publicly disclosed. Cyber Insurance product page as read on 2026-09-23. |
| Who It’s For | Embroker markets cyber coverage to startups and tech companies, financial institutions, professional services firms, small and medium-sized businesses, healthcare providers and law firms, citing data-handling and digital-system exposure as the common thread. 4Company-reported. Product-page 'Who is cyber insurance coverage for?' section; not a guarantee of eligibility for a particular business. | 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. 8Company-reported. Cyber Insurance product page as read on 2026-09-23; no minimum size, revenue, or industry restriction was published. |
| Coverage Features | Embroker lists network security liability, privacy liability, data loss and recovery, business interruption, computer fraud and social-engineering losses, and cyber extortion including ransom payments among what the policy addresses. 4Company-reported. Product-page 'What does cyber insurance cover?' section; the issued policy and declarations control. Embroker says a breach response can include notification costs, credit monitoring for affected individuals, civil damages, computer forensics investigation, and coverage for reputational-damage costs such as PR management. 4Company-reported. Product-page breach-response cost list. Embroker warns that errors and omissions insurance is not cyber insurance and cannot substitute for it, even if the E&O policy has a technology error rider. 4Company-reported. Product-page 'Important Note'; distinguishes cyber from Embroker's separate tech E&O/cyber bundled product. Embroker separates first-party coverage (the policyholder's own incident-response, data-recovery and business-interruption costs) from third-party coverage (legal defense, settlements, regulatory fines and damages to affected parties). 4Company-reported. Product-page 'First-party coverage vs. third-party coverage' section. | 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. 8Company-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. 8Company-reported. Cyber Insurance product page as read on 2026-09-23. |
| Limits and Retentions | The reviewed cyber product page does not publish specific limit or deductible amounts; a page section titled 'Does cyber insurance have a deductible?' is listed in the index but returns no disclosed figures. 4Not publicly disclosed. Product page as read on 2026-09-23. | Not described in the reviewed sources. |
| How to Apply | Embroker offers a free online risk-profile tool and says applicants can request a cyber insurance quote in under 10 minutes by describing their business. 4Company-reported. Product-page calls to action; no quote was requested during this research. | Pie directs cyber buyers to contact the company to start a quote through its website. 8Company-reported. Cyber Insurance product page as read on 2026-09-23. |
Full Comparison
More Embroker vs Pie Insurance Comparisons
Other Cyber Insurance Comparisons
Sources
Embroker
- Embroker. Embroker; Industry navigation; quote and sign-in links; coverage options; footer availability qualification. Accessed 2026-09-15.
- Terms And Conditions. Embroker; Introduction; §§2A–B Insurance services, 13 Applications and quotes, 15 Insurance companies and underwriting guidelines, 16 Certificates, 21 Surplus lines products, 22 Payments. Accessed 2026-09-15.
- Embroker Access. Embroker; EMIS announcement; appointed-broker quoting, binding and issuance; product links; footer identifies Embroker Insurance Services, LLC. Accessed 2026-09-15.
- Cyber Insurance Coverage. Embroker; What is Cyber Insurance?; Who is cyber insurance coverage for?; What does cyber insurance cover?; First-party coverage vs. third-party coverage; Important Note on E&O. Accessed 2026-09-23.
Pie Insurance
- Legal. Pie Insurance; State Licenses; footer disclosure naming producer and workers’ compensation versus third-party underwriting roles. Accessed 2026-09-15.
- Workers’ Comp Insurance For Small Businesses. Pie Insurance; Get a workers’ compensation quote online; insurance made for your small business; quote inputs; coverage description; quote-time and savings qualifications; AM Best link. Accessed 2026-09-16.
- Online Account Tutorial. Pie Insurance; Payment-method updates; instant and custom certificates; policy information; document access; agent-handled custom certificate qualification. Accessed 2026-09-15.
- Cyber Insurance for Small Businesses. Pie Insurance; What's typically covered by cyber insurance? First party coverage, Third party coverage; How does cyber insurance protect small businesses? Identity theft, Cyber extortion, Financial protection; Make sure you're covered: Start my quote. Accessed 2026-09-23.
Cyber Insurance Guide
- Cyber Insurance. Federal Trade Commission; Opening; First-Party and Third-Party Coverage; First-Party Coverage; Third-Party Coverage; What Should Your Cyber Insurance Policy Cover. Accessed 2026-09-16.
