What Is Nationwide?
Nationwide’s commercial catalogue includes common small-business policies and separate specialty products. A catalogue listing does not establish eligibility or policy terms; confirm the issuing company and coverage for your state and business. 1,2,3
What Is Pie Insurance?
Pie suits small businesses seeking workers’ compensation with online quoting and pay-as-you-go billing based on reported payroll, without an initial deposit; firms needing a broad technology or executive program should look elsewhere. 5,6,7
What Is Cyber Insurance?
Cyber insurance can help pay covered response costs and claims against your business after a cyber incident. If your business relies on data, software or outside providers, compare response limits, vendor outages and approval rules. 9,10
Key Differences in Cyber Insurance
Pie Names Specific Small-Business Scenarios
Pie describes cyber policies that may address an employee’s or customer’s stolen identity, cyber extortion to regain private information and financial protection against related lawsuits. Nationwide’s overview describes expenses associated with cyberattacks and data breaches without naming these scenarios. If identity misuse or extortion is a concern, ask Nationwide’s agent to map each event to its policy language and request the applicable limits from Pie. 4 8
Pie Separates First-Party and Third-Party Protection
Pie describes first-party coverage for expenses when a business’s own data is stolen or its network is hacked, and third-party coverage if the business is sued over cybercrime affecting others. Nationwide’s overview references cyber and data-breach expenses but does not explain the same division. Compare both policy forms to see whether they address the business’s own recovery costs and claims brought by affected customers. 4 8
Pie Identifies Itself as an Intermediary
Pie says it helps small businesses obtain cyber coverage from carrier partners and directs buyers to contact the company through its website to start a quote. Nationwide directs buyers to an agent or quote request, without identifying the issuer in its overview. Ask Pie which carrier would issue the proposal and ask Nationwide’s agent for the named underwriting company and policy form. 4 8
What to Confirm in Cyber Insurance Quotes
Review Scores
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
Nationwide
Review Score
4 rated sources
Experts like Nationwide more than customers do. NerdWallet gives it 4.5 out of 5 for business insurance, while small-business customers on ConsumerAffairs give it 2.5 out of 5 from 19 reviews.[1][10]
Read Nationwide reviewsPie Insurance
Review Score
2 rated sources
Pie’s service record raises clear concerns: elevated regulator complaints reported by NerdWallet, 1.7/5 on Trustpilot and an F from BBB. Investigate billing, cancellation and complaint handling before buying.[1][4][6]
Read Pie Insurance reviewsOffering Details
Nationwide vs Pie Insurance: Cyber Insurance: documented features by provider
| Criteria | Nationwide cyber (official overview) | Pie Cyber Insurance for Small Businesses |
|---|---|---|
| Role in This Line | Nationwide describes offering cyber for the audience stated on the cited product page. 4Company-reported. cyber marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. | 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. |
| Issuing Insurer | Confirm in your quote. | 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. |
| Who It’s For | Businesses addressing cyber and data-breach risks; specific eligibility and coverage depend on quote and policy. 4Company-reported. cyber marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. | 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. |
| Coverage Features | The cited product page describes cyber liability and data-breach insurance addressing expenses associated with a cyberattack or data breach. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. 4Company-reported. cyber marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. | 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. |
| Limits and Retentions | The cited overview does not set a universal limit or retention for this line. Ask for the proposed policy form, limits, retentions, exclusions, and conditions in the quote. 4Not publicly disclosed. Only the cited marketing page was reviewed for published limit and retention information; no policy-form entitlement is inferred. | Confirm in your quote. |
| How to Apply | The page directs prospective customers to contact an agent or request a quote. The page does not establish a quote, bind, or coverage-effective timeline. 4Company-reported. cyber marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement. | 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. |
Full Comparison
More Nationwide vs Pie Insurance Comparisons
Other Cyber Insurance Comparisons
Sources
Nationwide
- Small Business Insurance. Nationwide; Small business products and solutions, lines 185–214: BOP, workers’ compensation, commercial auto, umbrella, EPLI, cyber and surety; purchase guidance lines 235–247. Accessed 2026-09-29.
- Small Business Insurance Solutions for Agents. Nationwide; Specialized small commercial solutions: BOP, auto, workers’ compensation, cyber, EPLI, umbrella, inland marine and professional liability; page states appetite varies by state, lines 129–163, 191–193. Accessed 2026-09-29.
- Terms and Conditions for Nationwide.com. Nationwide; P&C products not offered by all companies/states; policy/declarations control; NMI and affiliates may underwrite; each underwriter responsible for own products, lines 358–368 and 391–394. Accessed 2026-09-29.
- Cyber Liability & Data Breach Insurance. Nationwide; Cyber liability page; cyberattack/data-breach coverage overview and response resources. Accessed 2026-09-30.
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.
- CyberEdge specimen policy. AIG; General Terms §§4–6, PDF pp.3–6; Security and Privacy §1 p.11, §2(l)/(p) p.14, §3 pp.15–18, exclusions p.18; Event Management §1 and §2(h), PDF pp.19–20. Accessed 2026-09-16.
