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

Pie Insurance markets cyber to small businesses through partner carriers; Relm Insurance sells cyber through brokers next to its tech E&O line and covers extortion and invoice manipulation.

Pie places small-business cyber through unnamed carrier partners and starts with a website contact. Relm sells through brokers, not a direct quote, and frames coverage around industries facing untested legal and regulatory terrain. ^1,²

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

A Small-Business Contact Form Versus Broker-Only Access

Pie markets cyber to small businesses generally, next to workers compensation, commercial auto and BOP, and tells you to contact the company to start a quote. Relm sells cyber through insurance brokers and does not describe a direct online quote. Choose Pie if you want a small-business intermediary you can contact yourself; choose Relm if you already have a broker and need a market for digital-infrastructure risk. ¹ ²

Identity-Theft Scenarios Versus Digital-Crime Grants

Pie highlights identity theft for an employee or customer, cyber extortion to regain private information, and lawsuit protection. Relm lists funds-transfer fraud and invoice manipulation as digital-crime scenarios and splits first-party costs from third-party legal fees, settlements and regulatory penalties. ¹ ²

Relm markets cyber on the same page as Technology E&O and notes they are related but not the same coverage. Pie cross-sells cyber with other small-business products rather than pairing it with a tech E&O form on the reviewed page. ² ¹

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

Ask Pie which carrier partner would issue the policy. ¹
Ask Relm's broker whether first-party, third-party, or both are quoted. ²
Get limits from both; neither page publishes a schedule. ¹ ²

Pie Insurance vs Relm Insurance Cyber Insurance Compared

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

Criteria	Pie Cyber Insurance for Small Businesses	Relm Cyber Insurance
Who It’s For	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. ¹Company-reported. Cyber Insurance product page as read on 2026-09-23; no minimum size, revenue, or industry restriction was published.	Relm says a business is exposed to cyber risk if it relies on digital infrastructure, and frames the coverage around sectors with 'untested legal terrain and lagging regulation.' ²Company-reported. Cyber and Tech E&O page framing; not a guarantee of eligibility for a particular company.
How to Apply	Pie directs cyber buyers to contact the company to start a quote through its website. ¹Company-reported. Cyber Insurance product page as read on 2026-09-23.	Relm sells cyber insurance coverage through insurance brokers; its reviewed pages do not describe a direct online quote. ²Company-reported. Cyber and Tech E&O page framing; consistent with Relm's broader broker-distribution model.
Coverage Features	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. ¹Company-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. ¹Company-reported. Cyber Insurance product page as read on 2026-09-23.	Relm says cyber coverage addresses network security breaches, privacy breaches and extortion threats, including data breach response costs (notification, credit monitoring, PR), forensic investigation and legal defense, ransom payments and business interruption losses, data and asset recovery, and digital crime such as funds transfer fraud and invoice manipulation. ²Company-reported. Cyber and Tech E&O page 'What is Cyber Insurance?' section; the issued policy and declarations control. Relm distinguishes first-party cyber coverage (the insured's own losses) from third-party cyber liability (claims against the client resulting from a loss), saying third-party cyber typically covers legal fees, settlements and regulatory penalties. ²Company-reported. Cyber and Tech E&O page 'First-Party Vs. Third-Party Cyber Liability Insurance' section.
Role in This Line	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. ¹Company-reported. Cyber Insurance product page as read on 2026-09-23.	Relm markets cyber liability insurance as a distinct line on the same page as its Technology Errors and Omissions product, explicitly noting the two are related but not the same coverage. ²Company-reported. Relm line-of-business page (Relm sells through brokers); not a statement identifying the issuing insurer for a given placement. This record covers general cyber liability, distinct from Relm's separate generative-ai-liability offering record covering its NOVAAI, PONTAAI and RESCAAI AI-specific products.