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

Pie Insurance markets cyber to small businesses through partner carriers; Hiscox sells its own standalone cyber directly online to small businesses.

Hiscox lets eligible small businesses quote a standalone cyber policy online, with a licensed-agent phone line during the process. Pie markets first-party and third-party cyber to small businesses generally and tells you to contact the company to start a quote. ^1,⁵

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

Start Online or Contact the Company

Hiscox says eligible buyers can get a cyber quote online. Pie directs cyber buyers to contact the company through its website rather than describing a self-serve application. Choose Hiscox if you want to complete a small-business cyber quote yourself; choose Pie if you want first-party and third-party cyber described for small businesses and are willing to start by contacting the company. ¹ ⁵

First-Party and Third-Party Framing

Pie splits cyber into 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, plus identity-theft, extortion and lawsuit scenarios. Hiscox describes data breaches, cyberattacks and related losses without that first-party versus third-party split on the product page. ⁵ ¹

Who Underwrites Versus Carrier Partners

Hiscox's appetite guide names Hiscox Insurance Company Inc. as the underwriter of admitted Hiscox NOW cyber policies. Pie refers only to insurance carrier partners and does not name a specific insurer for the cyber product. ⁴ ⁵

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

Confirm which Hiscox company would issue your policy. ⁴
Ask Pie which carrier partner would actually issue the form. ⁵
Ask Pie whether identity-theft and extortion grants appear on your quote. ⁵
Get Hiscox limits in writing; they are not on the product page. ¹

Hiscox vs Pie Insurance Cyber Insurance Compared

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

Criteria	Hiscox Cyber Security Insurance	Pie Cyber Insurance for Small Businesses
Who It’s For	Hiscox markets cyber insurance to small businesses broadly and specifically to IT and technology consultants, describing itself as customizing coverage for the technology sector's data-handling and security exposures. ^1,²Company-reported. Company-stated audience across the standalone cyber page and the IT-insurance page.	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. ⁵Company-reported. Cyber Insurance product page as read on 2026-09-23; no minimum size, revenue, or industry restriction was published.
How to Apply	Hiscox says eligible buyers can get a cyber insurance quote online, with a licensed-agent phone line available for questions during the process. ¹Company-reported. Company-described online application; eligibility and binding conditions require confirmation on the actual application.	Pie directs cyber buyers to contact the company to start a quote through its website. ⁵Company-reported. Cyber Insurance product page as read on 2026-09-23.
Coverage Features	Hiscox describes cyber coverage as responding to data breaches, cyberattacks and related losses, and its IT-insurance page shows an illustrative breach-response example describing notification and related costs after a data incident. ^1,²Company-reported. Product-page description; the illustrative example is explicitly a hypothetical scenario, not a specific limit or claim outcome, and actual coverage terms are set by the issued policy.	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. ⁵Company-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. ⁵Company-reported. Cyber Insurance product page as read on 2026-09-23.
Role in This Line	Hiscox Inc. sells cyber insurance directly online as a standalone product for small businesses, separate from its business owner's policy, which also offers an optional cyber add-on. ¹Company-reported. Company-stated standalone small-business cyber product; the BOP cyber add-on is a distinct package option described on a different 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. ⁵Company-reported. Cyber Insurance product page as read on 2026-09-23.