---
title: "Marsh vs Pie Insurance Cyber Insurance"
description: "Marsh advises large and middle-market clients through named specialists, while Pie routes small businesses to a quote for cyber among its other small-business lines."
canonical: "https://spot.insure/compare/marsh-vs-pie-insurance/cyber"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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[Human-readable page](https://spot.insure/compare/marsh-vs-pie-insurance/cyber)

# Marsh vs Pie Insurance Cyber Insurance

Marsh advises large and middle-market clients through named specialists, while Pie routes small businesses to a quote for cyber among its other small-business lines.

## Research Scope and Use

Use this comparison to evaluate Marsh and Pie Insurance for Cyber Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

Marsh assigns named cyber brokerage leaders and a global claims-advocacy team to placements, while Pie sells cyber as one of several small-business lines and directs buyers to a quote online. [7](https://www.marsh.com/en/services/cyber-risk/expertise/claims-advocacy.html "Claims Advocacy") [12](https://www.pieinsurance.com/small-business-insurance/cyber-insurance "Cyber Insurance for Small Businesses")

## What Is Marsh?

Marsh is a global insurance broker and risk advisor. In the United States it places coverage through core Marsh teams and through Marsh McLennan Agency for many middle-market buyers, including technology, cyber, property, casualty and benefits programs. [1](https://www.marsh.com/en/home.html "Marsh | Leader in risk, strategy, people, and investments") [2](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf "Compensation guide for US clients") [3](https://www.marsh.com/en/services/marsh-mclennan-agency.html "Marsh McLennan Agency (MMA)") [4](https://www.marsh.com/en/industries/technology.html "Technology | Insurance Broking & Risk Management")

[Marsh profile](https://spot.insure/insurance-providers/marsh)

## 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. [9](https://www.pieinsurance.com/legal "Legal") [10](https://www.pieinsurance.com/workers-comp "Workers’ Comp Insurance For Small Businesses") [11](https://www.pieinsurance.com/resource-center/online-account-tutorial "Online Account Tutorial")

[Pie Insurance profile](https://spot.insure/insurance-providers/pie-insurance)

## What Is Cyber Insurance?

Cyber insurance can help a business respond to cyber incidents and address covered liability claims arising from them. [13](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity/cyber-insurance "Cyber Insurance")

## Key Differences in Cyber Insurance

### Named Specialists Versus a Small-Business Catalogue

Marsh and its middle-market subsidiary MMA describe advisor-led placement, naming dedicated cyber brokerage leaders such as Marsh's US and Canada Cyber Brokerage Leader. [5](https://www.marsh.com/en/services/cyber-risk/expertise/cyber-insurance.html "Cyber Insurance") Pie instead markets cyber insurance to small businesses generally, cross-selling it alongside workers' compensation, commercial auto and BOP insurance rather than naming a dedicated cyber specialist.

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. [12](https://www.pieinsurance.com/small-business-insurance/cyber-insurance "Cyber Insurance for Small Businesses") (Evidence: Company-reported; scope: Cyber Insurance product page as read on 2026-09-23; no minimum size, revenue, or industry restriction was published..)

### Claims Handling

Marsh's global claims and incident-management specialists review cyber claims, support litigation management and work with forensic accountants to prepare proof of loss, advocating with insurers on the client's behalf. [7](https://www.marsh.com/en/services/cyber-risk/expertise/claims-advocacy.html "Claims Advocacy") Pie's reviewed page describes coverage scenarios its policy responds to — identity theft, cyber extortion, financial protection against lawsuits — without describing a comparable dedicated claims-advocacy team. [12](https://www.pieinsurance.com/small-business-insurance/cyber-insurance "Cyber Insurance for Small Businesses")

### Coverage Structure

Pie describes its cyber policies as varying by business need, with first-party coverage for a business's own stolen data or hacked network, and third-party coverage for lawsuits over a cybercrime affecting others. [12](https://www.pieinsurance.com/small-business-insurance/cyber-insurance "Cyber Insurance for Small Businesses") Marsh's MMA page lists a similar split under different labels: incident response, network interruption and data restoration as core first-party-style coverages, with security and privacy liability handling third-party claims. [8](https://www.marshmma.com/us/solutions/cyber.html "Cyber Insurance | MMA")

## What to Confirm in Cyber Insurance Quotes

- Ask Marsh which named specialist would handle your account and whether MMA or the corporate practice applies to your size of business. [5](https://www.marsh.com/en/services/cyber-risk/expertise/cyber-insurance.html "Cyber Insurance") [8](https://www.marshmma.com/us/solutions/cyber.html "Cyber Insurance | MMA")
- Ask Pie which carrier partners underwrite its cyber product, since the page names only "our insurance carrier partners" generally. [12](https://www.pieinsurance.com/small-business-insurance/cyber-insurance "Cyber Insurance for Small Businesses")
- Confirm whether Pie's quote includes both first-party and third-party coverage or requires selecting each separately. [12](https://www.pieinsurance.com/small-business-insurance/cyber-insurance "Cyber Insurance for Small Businesses")
- Get published limits and retentions from both; neither page discloses them for a standard placement. [8](https://www.marshmma.com/us/solutions/cyber.html "Cyber Insurance | MMA") [12](https://www.pieinsurance.com/small-business-insurance/cyber-insurance "Cyber Insurance for Small Businesses")

## Offering Details

| Criteria | Marsh Cyber Insurance Brokerage | Pie Cyber Insurance for Small Businesses |
| --- | --- | --- |
| Role in This Line | Marsh's cyber risk practice places and advises on cyber insurance brokerage; it does not underwrite the policies it places. [5](https://www.marsh.com/en/services/cyber-risk/expertise/cyber-insurance.html "Cyber Insurance") (Evidence: Company-reported; scope: Marsh corporate cyber insurance product page..)<br><br>Marsh McLennan Agency (MMA), Marsh's middle-market subsidiary, places cyber coverage and acts as a carrier liaison, combining placement with claims advocacy. [8](https://www.marshmma.com/us/solutions/cyber.html "Cyber Insurance | MMA") (Evidence: Company-reported; scope: MMA cyber solutions 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. [12](https://www.pieinsurance.com/small-business-insurance/cyber-insurance "Cyber Insurance for Small Businesses") (Evidence: Company-reported; scope: Cyber Insurance product page as read on 2026-09-23..) |
| Issuing Insurer | The reviewed pages do not name a specific cyber insurer for a standard placement. Marsh's Cyber ECHO excess facility lets clients choose underwriting from Lloyd's of London syndicates, company markets or Bermuda-based insurers, so the carrier varies by placement. [6](https://www.marsh.com/en/services/cyber-risk/expertise/cyber-echo.html "Cyber ECHO") (Evidence: Not publicly disclosed; scope: Cyber ECHO facility page, which covers excess layers rather than every primary policy Marsh places..) | The reviewed page refers only to 'our insurance carrier partners' and does not name a specific insurer for Pie's cyber product. [12](https://www.pieinsurance.com/small-business-insurance/cyber-insurance "Cyber Insurance for Small Businesses") (Evidence: Not publicly disclosed; scope: Cyber Insurance product page as read on 2026-09-23..) |
| Who It’s For | MMA says any company can benefit from cyber coverage, but prioritizes organizations that store significant customer data, run large customer databases or hold valuable digital assets. [8](https://www.marshmma.com/us/solutions/cyber.html "Cyber Insurance | MMA") (Evidence: Company-reported; scope: MMA cyber solutions FAQ; MMA describes its own client base as middle-market organizations generally..) | 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. [12](https://www.pieinsurance.com/small-business-insurance/cyber-insurance "Cyber Insurance for Small Businesses") (Evidence: Company-reported; scope: Cyber Insurance product page as read on 2026-09-23; no minimum size, revenue, or industry restriction was published..) |
| Coverage Features | MMA lists incident investigation and response costs, network interruption/extra expense, extortion and ransomware payments, data restoration, and security and privacy liability as core cyber coverages, with media liability, privacy regulatory defense and reputation-based income loss available as additional coverages. [8](https://www.marshmma.com/us/solutions/cyber.html "Cyber Insurance | MMA") (Evidence: Company-reported; scope: MMA cyber solutions page; actual policy wording and insurer vary by placement..) | 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. [12](https://www.pieinsurance.com/small-business-insurance/cyber-insurance "Cyber Insurance for Small Businesses") (Evidence: Company-reported; scope: Cyber Insurance product page as read on 2026-09-23; the issued policy controls the specific insuring agreements and exclusions..)<br><br>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. [12](https://www.pieinsurance.com/small-business-insurance/cyber-insurance "Cyber Insurance for Small Businesses") (Evidence: Company-reported; scope: Cyber Insurance product page as read on 2026-09-23..) |
| Limits and Retentions | Marsh says its Cyber ECHO excess facility can provide over $200 million of cyber capacity per client, with a free first reinstatement and a paid second reinstatement for separate cyber events within a policy year. [6](https://www.marsh.com/en/services/cyber-risk/expertise/cyber-echo.html "Cyber ECHO") (Evidence: Company-reported; scope: Cyber ECHO facility page; describes excess capacity Marsh can arrange, not a standard primary limit..) | Not described in the reviewed sources. |
| How to Apply | You engage a named Marsh or MMA cyber specialist to design a placement; the reviewed pages describe advisor-led placement and risk analytics rather than an online self-serve quote. [5](https://www.marsh.com/en/services/cyber-risk/expertise/cyber-insurance.html "Cyber Insurance") [8](https://www.marshmma.com/us/solutions/cyber.html "Cyber Insurance | MMA") (Evidence: Company-reported; scope: Marsh and MMA cyber pages, which list dedicated cyber brokerage and placement leaders..) | Pie directs cyber buyers to contact the company to start a quote through its website. [12](https://www.pieinsurance.com/small-business-insurance/cyber-insurance "Cyber Insurance for Small Businesses") (Evidence: Company-reported; scope: Cyber Insurance product page as read on 2026-09-23..) |
| Claims Support | Marsh's global claims and incident-management specialists review cyber claims, support litigation management and work with forensic accountants to prepare proof of loss, advocating with insurers on the client's behalf. [7](https://www.marsh.com/en/services/cyber-risk/expertise/claims-advocacy.html "Claims Advocacy") (Evidence: Company-reported; scope: Claims Advocacy expertise page; recovery outcomes described as company-reported and not independently verified..) | Not described in the reviewed sources. |

## Full Comparison

- [Marsh vs Pie Insurance](https://spot.insure/compare/marsh-vs-pie-insurance): all coverage lines, business roles, service and claims.
- [What Is Cyber Insurance?](https://spot.insure/coverage/cyber): Cyber insurance can help pay your response costs and covered claims against your business after a cyber incident.
- [Marsh vs Pie Insurance Professional Liability (E&O) Insurance](https://spot.insure/compare/marsh-vs-pie-insurance/professional-errors-omissions)
- [Marsh vs Pie Insurance Workers’ Compensation Insurance](https://spot.insure/compare/marsh-vs-pie-insurance/workers-compensation)
- [Alliance Risk vs Marsh Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-marsh/cyber)
- [Alliance Risk vs Pie Insurance Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-pie-insurance/cyber)
- [Amelia Risk vs Marsh Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-marsh/cyber)
- [Amelia Risk vs Pie Insurance Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-pie-insurance/cyber)
- [At-Bay vs Marsh Cyber Insurance](https://spot.insure/compare/at-bay-vs-marsh/cyber)
- [At-Bay vs Pie Insurance Cyber Insurance](https://spot.insure/compare/at-bay-vs-pie-insurance/cyber)

## Sources

### Marsh

1. [Marsh | Leader in risk, strategy, people, and investments](https://www.marsh.com/en/home.html). Marsh; Hero and capability tiles; FAQ: What does Marsh do?; industries served; Is Marsh the same as Marsh McLennan? January 2026 brand change. Accessed 2026-09-16.
2. [Compensation guide for US clients](https://www.marsh.com/content/dam/marsh/Documents/PDF/US-en/us-client-compensation-guide.pdf). Marsh; US broking segments; broker role; retail commissions, client fees, wholesale, insurer consulting, contingent and supplemental commissions; Marsh LLC and Marsh USA LLC; page 3: broker role and Marsh & McLennan Agency segment; page 7: copyright © 2024 Marsh LLC. Accessed 2026-09-16.
3. [Marsh McLennan Agency (MMA)](https://www.marsh.com/en/services/marsh-mclennan-agency.html). Marsh; Middle-market US organizations; wholly-owned subsidiary; business insurance, employee health and benefits, retirement, private client. Accessed 2026-09-16.
4. [Technology | Insurance Broking & Risk Management](https://www.marsh.com/en/industries/technology.html). Marsh; Opening Technology Practice description; practice links including data center insurance, fintech and Stratus; Talk to us. Accessed 2026-09-16.
5. [Cyber Insurance](https://www.marsh.com/en/services/cyber-risk/expertise/cyber-insurance.html). Marsh; Opening brokerage positioning; products list including Cyber Pathway, Cyber Accelerate, Claims Advocacy, CyberPort, Cyber ECHO; Rachel Lavender, US and Canada Cyber Brokerage Leader. Accessed 2026-09-23.
6. [Cyber ECHO](https://www.marsh.com/en/services/cyber-risk/expertise/cyber-echo.html). Marsh; New for 2026: over $200 million capacity; free first reinstatement and paid second reinstatement; one underwriting lead and two claims leads per panel; Lloyd's, company markets or Bermuda-based insurers. Accessed 2026-09-23.
7. [Claims Advocacy](https://www.marsh.com/en/services/cyber-risk/expertise/claims-advocacy.html). Marsh; Global claims specialists negotiating cyber coverage issues; proof of loss with forensic accountants. Accessed 2026-09-23.
8. [Cyber Insurance | MMA](https://www.marshmma.com/us/solutions/cyber.html). Marsh McLennan Agency; Benefits of Cyber: understand, mitigate, respond, recover; Cyber Coverage list (incident investigation and response, network interruption, extortion/ransomware, data restoration, security and privacy liability, additional coverages); FAQ: Who needs cyber insurance coverage?. Accessed 2026-09-23.

### Pie Insurance

9. [Legal](https://www.pieinsurance.com/legal). Pie Insurance; State Licenses; footer disclosure naming producer and workers’ compensation versus third-party underwriting roles. Accessed 2026-09-15.
10. [Workers’ Comp Insurance For Small Businesses](https://www.pieinsurance.com/workers-comp). 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.
11. [Online Account Tutorial](https://www.pieinsurance.com/resource-center/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.
12. [Cyber Insurance for Small Businesses](https://www.pieinsurance.com/small-business-insurance/cyber-insurance). 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

13. [Cyber Insurance](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity/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.

Updated 2026-09-23. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/marsh-vs-pie-insurance/cyber.md)
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- [Public MCP server](https://spot.insure/mcp)
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- [Public page index](https://spot.insure/llms.txt)