Heffernan Insurance Brokers vs Pie Insurance Cyber Insurance

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. ⁴Company-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. ⁸Company-reported. Cyber Insurance product page as read on 2026-09-23.

The cyber page does not name the insurer that would issue a cyber policy arranged through Heffernan. ⁴Not publicly disclosed. Checked the Cyber Security Insurance page on 2026-09-23. The issuing insurer would appear on the quote and declarations.

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.

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. ⁴Company-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. ⁸Company-reported. Cyber Insurance product page as read on 2026-09-23; no minimum size, revenue, or industry restriction was published.

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. ⁴Company-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. 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.

The cyber page does not publish specific limits or retentions for a Heffernan-arranged cyber policy; its FAQ gives only a general premium range of a few hundred to several thousand dollars annually across the market. ⁴Not publicly disclosed. Checked the Cyber Security Insurance page on 2026-09-23.

Not described in the reviewed sources.

Beyond claim payment, Heffernan says a cyber policy can give access to incident-response experts such as IT forensics specialists and public relations advisors, and that its cyber risk team helps with exposure assessment and coverage selection before a policy is bound. ⁴Company-reported. Cyber Security Insurance page's services description.

Not described in the reviewed sources.

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. ⁴Company-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. ⁸Company-reported. Cyber Insurance product page as read on 2026-09-23.