---
title: "Pie Insurance vs Relm Insurance Cyber Insurance"
description: "Pie sells cyber to general small businesses through its own site; Relm's page addresses brokers placing coverage for clients."
canonical: "https://spot.insure/compare/pie-insurance-vs-relm/cyber"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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

# Pie Insurance vs Relm Insurance Cyber Insurance

Pie sells cyber to general small businesses through its own site; Relm's page addresses brokers placing coverage for clients.

## Research Scope and Use

Use this comparison to evaluate Pie Insurance and Relm 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

Pie markets cyber insurance to small businesses generally and routes buyers to contact it directly, while Relm's cyber and technology E&O page is written for brokers and separately calls out digital crime such as funds-transfer fraud. [4](https://www.pieinsurance.com/small-business-insurance/cyber-insurance "Cyber Insurance for Small Businesses") [7](https://relminsurance.com/lines-of-business/cyber-and-technology-errors-and-omissions/ "Cyber and Technology Errors and Omissions")

## 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. [1](https://www.pieinsurance.com/legal "Legal") [2](https://www.pieinsurance.com/workers-comp "Workers’ Comp Insurance For Small Businesses") [3](https://www.pieinsurance.com/resource-center/online-account-tutorial "Online Account Tutorial")

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

## What Is Relm Insurance?

Relm is a specialty insurance business serving emerging industries. Its AI range distinguishes developer liability, gaps in existing liability insurance and losses from third-party AI failures. [5](https://relminsurance.com/relm-launches-us-mga/ "Relm Launches US MGA") [6](https://relminsurance.com/relm-insurance-launches-ai-suite/ "Relm Launches AI Liability Solutions")

[Relm Insurance profile](https://spot.insure/insurance-providers/relm)

## What Is Cyber Insurance?

Cyber insurance can help a business respond to cyber incidents and address covered liability claims arising from them. [8](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity/cyber-insurance "Cyber Insurance")

## Key Differences in Cyber Insurance

### Who Each Page Is Written For

Pie markets cyber insurance directly to small businesses and cross-sells it alongside its workers' compensation, commercial auto and BOP products. Relm sells cyber and technology E&O through brokers, who place it for a client; a buyer does not request a quote from Relm directly. [4](https://www.pieinsurance.com/small-business-insurance/cyber-insurance "Cyber Insurance for Small Businesses") [7](https://relminsurance.com/lines-of-business/cyber-and-technology-errors-and-omissions/ "Cyber and Technology Errors and Omissions")

### How the Coverage Is Described

Pie groups its cyber coverage into first-party and third-party protection and gives everyday scenarios it responds to, such as identity theft and cyber extortion. Relm's page goes further into specific insuring agreements, separately naming digital crime such as funds-transfer fraud and invoice manipulation alongside network security breaches, privacy breaches and extortion.

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. [7](https://relminsurance.com/lines-of-business/cyber-and-technology-errors-and-omissions/ "Cyber and Technology Errors and Omissions") (Evidence: Company-reported; scope: Cyber and Tech E&O page 'What is Cyber Insurance?' section; the issued policy and declarations control..)

[4](https://www.pieinsurance.com/small-business-insurance/cyber-insurance "Cyber Insurance for Small Businesses")

### Getting a Quote

Pie directs buyers to contact the company through its website to start a cyber quote. Relm's broker-facing framing means an end buyer typically reaches Relm's coverage through a broker relationship rather than a direct online request. [4](https://www.pieinsurance.com/small-business-insurance/cyber-insurance "Cyber Insurance for Small Businesses") [7](https://relminsurance.com/lines-of-business/cyber-and-technology-errors-and-omissions/ "Cyber and Technology Errors and Omissions")

## What to Confirm in Cyber Insurance Quotes

- Ask Pie which of its unnamed carrier partners would underwrite your specific policy. [4](https://www.pieinsurance.com/small-business-insurance/cyber-insurance "Cyber Insurance for Small Businesses")
- Ask your broker which insurer Relm's placement would use, since Relm's page does not name one either. [7](https://relminsurance.com/lines-of-business/cyber-and-technology-errors-and-omissions/ "Cyber and Technology Errors and Omissions")
- Ask Pie which first-party and third-party coverages are included by default versus added on. [4](https://www.pieinsurance.com/small-business-insurance/cyber-insurance "Cyber Insurance for Small Businesses")
- Confirm whether Relm's digital-crime coverage, including funds-transfer fraud and invoice manipulation, is part of the base form your broker is quoting. [7](https://relminsurance.com/lines-of-business/cyber-and-technology-errors-and-omissions/ "Cyber and Technology Errors and Omissions")

## Offering Details

| Criteria | Pie Cyber Insurance for Small Businesses | Relm Cyber Insurance |
| --- | --- | --- |
| 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. [4](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..) | 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. [7](https://relminsurance.com/lines-of-business/cyber-and-technology-errors-and-omissions/ "Cyber and Technology Errors and Omissions") (Evidence: Company-reported; scope: 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..) |
| Issuing Insurer | The reviewed page refers only to 'our insurance carrier partners' and does not name a specific insurer for Pie's cyber product. [4](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..) | The reviewed page does not name a specific issuing insurer for cyber placements. [7](https://relminsurance.com/lines-of-business/cyber-and-technology-errors-and-omissions/ "Cyber and Technology Errors and Omissions") (Evidence: Not publicly disclosed; scope: Line-of-business page as read on 2026-09-23; a specific placement's insurer is product- and jurisdiction-specific..) |
| 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. [4](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..) | 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.' [7](https://relminsurance.com/lines-of-business/cyber-and-technology-errors-and-omissions/ "Cyber and Technology Errors and Omissions") (Evidence: Company-reported; scope: Cyber and Tech E&O page framing; not a guarantee of eligibility for a particular company..) |
| 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. [4](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. [4](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..) | 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. [7](https://relminsurance.com/lines-of-business/cyber-and-technology-errors-and-omissions/ "Cyber and Technology Errors and Omissions") (Evidence: Company-reported; scope: Cyber and Tech E&O page 'What is Cyber Insurance?' section; the issued policy and declarations control..)<br><br>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. [7](https://relminsurance.com/lines-of-business/cyber-and-technology-errors-and-omissions/ "Cyber and Technology Errors and Omissions") (Evidence: Company-reported; scope: Cyber and Tech E&O page 'First-Party Vs. Third-Party Cyber Liability Insurance' section..) |
| How to Apply | Pie directs cyber buyers to contact the company to start a quote through its website. [4](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..) | Relm sells cyber insurance coverage through insurance brokers; its reviewed pages do not describe a direct online quote. [7](https://relminsurance.com/lines-of-business/cyber-and-technology-errors-and-omissions/ "Cyber and Technology Errors and Omissions") (Evidence: Company-reported; scope: Cyber and Tech E&O page framing; consistent with Relm's broader broker-distribution model..) |

## Full Comparison

- [Pie Insurance vs Relm Insurance](https://spot.insure/compare/pie-insurance-vs-relm): 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.
- [Pie Insurance vs Relm Insurance General Liability Insurance](https://spot.insure/compare/pie-insurance-vs-relm/general-liability)
- [Pie Insurance vs Relm Insurance Professional Liability (E&O) Insurance](https://spot.insure/compare/pie-insurance-vs-relm/professional-errors-omissions)
- [Alliance Risk vs Pie Insurance Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-pie-insurance/cyber)
- [Alliance Risk vs Relm Insurance Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-relm/cyber)
- [Amelia Risk vs Pie Insurance Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-pie-insurance/cyber)
- [Amelia Risk vs Relm Insurance Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-relm/cyber)
- [At-Bay vs Pie Insurance Cyber Insurance](https://spot.insure/compare/at-bay-vs-pie-insurance/cyber)
- [At-Bay vs Relm Insurance Cyber Insurance](https://spot.insure/compare/at-bay-vs-relm/cyber)

## Sources

### Pie Insurance

1. [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.
2. [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.
3. [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.
4. [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.

### Relm Insurance

5. [Relm Launches US MGA](https://relminsurance.com/relm-launches-us-mga/). Relm Insurance; Opening paragraphs describing US MGA and distribution partners. Accessed 2026-09-16.
6. [Relm Launches AI Liability Solutions](https://relminsurance.com/relm-insurance-launches-ai-suite/). Relm Insurance; NOVAAI, PONTAAI and RESCAAI: Applicable Users and Coverage Highlights. Accessed 2026-09-16.
7. [Cyber and Technology Errors and Omissions](https://relminsurance.com/lines-of-business/cyber-and-technology-errors-and-omissions/). Relm Insurance; What is Cyber Insurance?; First-Party Vs. Third-Party Cyber Liability Insurance; Who Needs Cyber and Tech E&O Insurance?. Accessed 2026-09-23.

### Cyber Insurance Guide

8. [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/pie-insurance-vs-relm/cyber.md)
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- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)