Heffernan Insurance Brokers vs Pie Insurance: How Do They Compare for Cyber Insurance?

Heffernan Insurance Brokers serves healthcare, finance, retail and tech, with a cyber risk team; Pie Insurance markets cyber to small businesses through partner carriers.

Pie markets first-party and third-party cyber to small businesses and tells you to contact the company to start a quote. Heffernan's cyber risk team shops the market for businesses it describes from small companies to large corporations, including healthcare, finance, retail and technology. ^2,¹

What Are the Key Differences Between Heffernan Insurance Brokers and Pie Insurance Cyber Insurance?

Small-Business Split Versus a Shopping Team

Pie describes first-party coverage for expenses when your own data is stolen or network hacked, and third-party coverage if you are sued over a cybercrime affecting others. Heffernan's cyber risk team shops the market and presents options rather than publishing that first-party versus third-party split. Choose Pie if you want a small-business cyber product described that way; choose Heffernan if you want a broker team to compare carriers for a wider size range. ² ¹

Identity Theft and Extortion Scenarios

Pie lists identity theft for an employee or customer, cyber extortion help after a demand, and financial protection against related lawsuits. Heffernan describes data recovery, legal fees, notification, business interruption and access to forensics and PR advisors. ² ¹

How You Begin

Pie directs cyber buyers to contact the company to start a quote through its website. Heffernan's FAQ says you assess data types and cybersecurity measures, then work with an experienced broker to obtain and compare quotes. ² ¹

What Should You Confirm in Heffernan Insurance Brokers and Pie Insurance Cyber Insurance Quotes?

Ask Pie which carrier partner would issue your policy. ²
Ask Heffernan which insurer it would bind after shopping. ¹
If you are larger than a typical small business, confirm whether Pie still has appetite. ²
Ask Heffernan whether identity-theft grants for employees or customers would appear on the form it proposes. ¹

Heffernan Insurance Brokers vs Pie Insurance Cyber Insurance Compared

Heffernan Insurance Brokers vs Pie Insurance: Cyber Insurance: documented features by provider

Criteria	Heffernan Cyber Security Insurance Brokerage	Pie Cyber Insurance for Small Businesses
Who It’s For	Heffernan says cyber insurance is for any business handling sensitive customer information, relying on digital operations or storing data electronically, and names healthcare, finance, retail and technology among the industries it serves, alongside small businesses and large corporations. ¹Company-reported. Cyber Security Insurance page's FAQ answer on who needs cyber insurance; this is general educational content on Heffernan's own page rather than a stated underwriting appetite.	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. ²Company-reported. Cyber Insurance product page as read on 2026-09-23; no minimum size, revenue, or industry restriction was published.
How to Apply	Heffernan's FAQ says getting cyber insurance starts with assessing your business's data types and cybersecurity measures, then working with an experienced broker to obtain and compare quotes from multiple providers. ¹Company-reported. Cyber Security Insurance page's 'How Do I Get Cyber Insurance?' FAQ answer.	Pie directs cyber buyers to contact the company to start a quote through its website. ²Company-reported. Cyber Insurance product page as read on 2026-09-23.
Coverage Features	Heffernan describes cyber policies it arranges as covering costs from a cyber incident, such as data recovery, legal fees, notification expenses and business interruption, and says a policy can also provide access to incident-response experts, including IT forensics specialists and public relations advisors. ¹Company-reported. Cyber Security Insurance page's coverage description and FAQ; specific insuring agreements, sublimits and exclusions depend on the policy form selected.	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. ²Company-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. ²Company-reported. Cyber Insurance product page as read on 2026-09-23.
Role in This Line	Heffernan says it maintains a cyber risk team with expertise in determining a client's cyber exposure, shopping the market, presenting options and guiding the selection of coverage. It arranges the policy with insurance carriers rather than underwriting cyber coverage itself. ¹Company-reported. Cyber Security Insurance page's description of the cyber risk team.	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. ²Company-reported. Cyber Insurance product page as read on 2026-09-23.