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

Both are intermediaries: Gallagher Small Business names retail, healthcare and home-repair firms as targets, while Pie Insurance markets cyber to small businesses and cross-sells other policies.

Gallagher recommends cyber for small businesses that handle customer data or card payments, including home-repair shops. Pie helps small businesses get cyber from insurance carrier partners and lists identity theft, extortion and lawsuit protection as response scenarios. ^1,³

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

Home-Repair Targets Versus Identity-Theft Scenarios

Gallagher Small Business arranges cyber for shops that handle customer data or accept card or EFT payments, naming retail, healthcare, financial services and home-repair. Pie helps small businesses get cyber from its insurance carrier partners, lists identity theft for an employee or customer's stolen identity, cyber extortion, and financial protection against related lawsuits, and cross-sells cyber beside workers' compensation, commercial auto and BOP pages. Choose Gallagher if you are a home-repair or healthcare shop on its named list; choose Pie if identity theft is the scenario you care about and you want to start from Pie's website contact path. ¹ ³

Rate Commentary Versus Unnamed Partners

Gallagher's small-business team says cyber rates are flat to down despite high-profile losses. Pie refers only to insurance carrier partners and does not name them. You can ask Gallagher about market feel. You still have to ask Pie who would issue the policy. ¹ ³

eRiskHub Versus Contact-to-Quote

Gallagher's group practice adds eRiskHub for larger accounts. Pie directs cyber buyers to contact the company to start a quote. Neither small-business path is a timed online bind. ² ³

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

Ask Gallagher which desk would handle you. ²
Ask Pie to name the carrier partner for your quote. ³
Neither page publishes limits. ¹ ³

Gallagher vs Pie Insurance Cyber Insurance Compared

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

Criteria	Gallagher Cyber Liability Insurance	Pie Cyber Insurance for Small Businesses
Who It’s For	Gallagher recommends this coverage for small businesses that handle customer data or accept credit card or electronic-funds-transfer payments, and specifically names retail, healthcare, financial services and home-repair businesses as frequent attack targets. ¹Company-reported. Small-business cyber product page "Who needs Cyber Liability Insurance" section; actual acceptance 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. ³Company-reported. Cyber Insurance product page as read on 2026-09-23; no minimum size, revenue, or industry restriction was published.
Coverage Features	Gallagher describes two components of cyber coverage: first-party coverage for when a business's own technology or data is breached, and third-party coverage for when a customer sues the business for failing to prevent a breach. It says the policy can cover customer notification, credit monitoring, legal fees and regulatory fines. ¹Company-reported. Small-business cyber product page; a coverage description, not a specific policy's insuring agreement or exclusions. Gallagher's small-business team says cyber insurance rates are flat to down due to competitive market forces despite high-profile losses, and flags generative-AI-driven risks such as more convincing phishing, social-engineering and deepfake attacks as an emerging concern. ¹Company-reported. Small-business cyber product page market-commentary section; a general market view, not a quote for any specific business.	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	Gallagher Small Business arranges cyber liability coverage with outside carriers for small businesses; Gallagher's group-level practice separately places cyber coverage with its own risk-consulting services for larger accounts. Gallagher does not underwrite either policy. ^1,²Company-reported. Small-business cyber product page and the group-level cyber liability page.	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.

Criteria

Gallagher Cyber Liability Insurance

Pie Cyber Insurance for Small Businesses

Who It’s For

Gallagher recommends this coverage for small businesses that handle customer data or accept credit card or electronic-funds-transfer payments, and specifically names retail, healthcare, financial services and home-repair businesses as frequent attack targets. ¹Company-reported. Small-business cyber product page "Who needs Cyber Liability Insurance" section; actual acceptance 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. ³Company-reported. Cyber Insurance product page as read on 2026-09-23; no minimum size, revenue, or industry restriction was published.

Coverage Features

Gallagher describes two components of cyber coverage: first-party coverage for when a business's own technology or data is breached, and third-party coverage for when a customer sues the business for failing to prevent a breach. It says the policy can cover customer notification, credit monitoring, legal fees and regulatory fines. ¹Company-reported. Small-business cyber product page; a coverage description, not a specific policy's insuring agreement or exclusions.

Gallagher's small-business team says cyber insurance rates are flat to down due to competitive market forces despite high-profile losses, and flags generative-AI-driven risks such as more convincing phishing, social-engineering and deepfake attacks as an emerging concern. ¹Company-reported. Small-business cyber product page market-commentary section; a general market view, not a quote for any specific business.

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

Gallagher Small Business arranges cyber liability coverage with outside carriers for small businesses; Gallagher's group-level practice separately places cyber coverage with its own risk-consulting services for larger accounts. Gallagher does not underwrite either policy. ^1,²Company-reported. Small-business cyber product page and the group-level cyber liability page.

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.