Hiscox vs 
Pie Insurance Cyber Insurance
Hiscox underwrites its own small-business cyber policy; Pie Insurance places cyber coverage through named carrier partners it does not identify.
What Is Hiscox?
Hiscox is a U.S. small-business insurance brand whose website is operated by Hiscox Inc., a Delaware producer that does business in California as Hiscox Insurance Agency. Eligible firms can quote general liability, professional liability, cyber and a business owner’s policy online; other advertised lines are often placed with partner insurers, so the issuing company on each quote still has to be checked. 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. 7,8,9
What Is Cyber Insurance?
Cyber insurance can help a business respond to cyber incidents and address covered liability claims arising from them. 11
Key Differences in Cyber Insurance
Who Underwrites the Policy
Hiscox both sells and underwrites its cyber product, naming Hiscox Insurance Company Inc. as the admitted issuer. Pie Insurance instead says it helps small businesses get coverage from its own carrier partners, without naming a specific insurer.
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. 10Company-reported. Cyber Insurance product page as read on 2026-09-23.
6How Base Coverage Is Described
Hiscox describes its cyber coverage as responding to data breaches, cyberattacks and related losses, with an illustrative breach-response example on a separate IT-insurance page. Pie splits its coverage description into first-party expenses for a business's own stolen data or hacked network and third-party coverage if the business is sued over a cybercrime affecting others, and names identity theft and cyber extortion as specific scenarios it responds to. 4 5 10 10
Who Each One Targets
Hiscox names small businesses broadly and IT and technology consultants specifically. Pie markets cyber to small businesses generally and cross-sells it alongside workers' compensation, commercial auto and BOP on its other product pages, without naming an industry focus. 4 5 10
What to Confirm in Cyber Insurance Quotes
- Ask Pie which carrier partner would actually issue your policy, since its page names only "our insurance carrier partners." 10
- Confirm Hiscox's issuing entity for your state against the appetite guide. 6
- Get published limits, retentions and premiums from both; neither product page lists them. 4 10
- Ask Pie whether the first-party and third-party pieces it describes are both included by default or sold separately. 10
Offering Details
Hiscox vs Pie Insurance Cyber Insurance: documented features by provider
| Criteria | Hiscox Cyber Security Insurance | Pie Cyber Insurance for Small Businesses |
|---|---|---|
| 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. 4Company-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. 10Company-reported. Cyber Insurance product page as read on 2026-09-23. |
| Issuing Insurer | Hiscox's appetite guide and About Hiscox US page name Hiscox Insurance Company Inc. (NAIC 10200) as the underwriter of admitted Hiscox NOW cyber policies. 6,3Company-reported. Admitted small-business cyber coverage as described in company materials; the exact contracting entity for a particular state or channel should be confirmed on the quote. | The reviewed page refers only to 'our insurance carrier partners' and does not name a specific insurer for Pie's cyber product. 10Not publicly disclosed. Cyber Insurance product page as read on 2026-09-23. |
| 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. 4,5Company-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. 10Company-reported. Cyber Insurance product page as read on 2026-09-23; no minimum size, revenue, or industry restriction was published. |
| 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. 4,5Company-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. 10Company-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. 10Company-reported. Cyber Insurance product page as read on 2026-09-23. |
| Limits and Retentions | The cyber product page does not publish standard limit, retention or deductible amounts; figures shown elsewhere on the site are illustrative examples rather than quotes. 4Not publicly disclosed. Public product page as previously reviewed. | Not described in the reviewed sources. |
| Risk Services | The reviewed cyber product page does not describe ongoing security-monitoring or risk-prevention services made available to policyholders; it describes post-incident breach-response coverage rather than a monitoring service. 4Not found in reviewed sources. Standalone cyber product page as previously reviewed. | Not described in the reviewed sources. |
| 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. 4Company-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. 10Company-reported. Cyber Insurance product page as read on 2026-09-23. |
Full Comparison
More Hiscox vs Pie Insurance Comparisons
Other Cyber Insurance Comparisons
Sources
Hiscox
- Website Terms & Conditions of Use. Hiscox; Last modified May 28, 2024; Hiscox Inc. as Delaware corporation headquartered in Atlanta, d/b/a Hiscox Insurance Agency in CA, licensed intermediary for admitted and surplus-lines business with Hiscox Insurance Company Inc., other domestic insurers, and Lloyd’s syndicates; small-business online path distinguished from broker-only site sections. Accessed 2026-09-16.
- Get A Small Business Insurance Quote. Hiscox; States that Hiscox offers general liability, professional liability, cyber security and business owner’s policies online; zip-code quote field; licensed-agent hours Monday–Friday 7 a.m.–10 p.m. ET and Saturday–Sunday 8 a.m.–5 p.m. ET. Accessed 2026-09-16.
- About Hiscox US Insurance. Hiscox; Hiscox Insurance Company Inc. NAIC 10200 as Chicago, IL domiciled insurer admitted or licensed in all 50 states and D.C.; Hiscox Inc. as general agent and Lloyd’s coverholder for Syndicates 33 and 3624; surplus-lines placements through licensed surplus-lines brokers; A.M. Best rating statement. Accessed 2026-09-16.
- Cyber Insurance for Small Businesses. Hiscox; Standalone cyber security/cyber liability product with online quote; data-breach, cyberattack and related-loss descriptions; licensed-agent phone number. Accessed 2026-09-16.
- IT Professional & General Liability Insurance. Hiscox; IT/technology professional audience; illustrative cyber breach-response example. Accessed 2026-09-16.
- Hiscox US Agent Appetite Guide. Hiscox; Hiscox NOW admitted GL, PL, cyber and BOP underwritten by Hiscox Insurance Company Inc. Accessed 2026-09-16.
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.
