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

Pie Insurance markets cyber to small businesses through partner carriers; Risklytics places cyber for robotics and AI firms and notes contracts often ask for $1 million or more.

Risklytics says buyers usually need cyber once customer data is in production and that enterprise contracts often ask for $1 million or more. Pie markets cyber to small businesses generally and does not publish a comparable trigger or limit. ^2,¹

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

Production Data Versus a General Small-Business Pitch

Risklytics' lines page states when buyers typically need this coverage:

Risklytics says companies typically need this coverage the first time they hold customer data in production, and that enterprise and government contracts require it once a vendor touches their data. ²Company-reported. Lines page.

Pie markets cyber to small businesses generally, beside workers' compensation, commercial auto and BOP, without a production-data or contract trigger. Choose Risklytics if a customer-data or contract milestone is why you are buying; choose Pie if you want a small-business quote start without that framing. ¹

Limit Signal Versus No Posted Number

Risklytics cites a typical enterprise-contract ask of $1 million or more. Pie describes first-party and third-party protection and scenarios such as identity theft and cyber extortion, without a comparable figure. ² ¹

Online Application and Fees

You start Risklytics Cyber Liability through its online application, and it says there is no broker fee on top of premium. Pie directs buyers to contact the company through its website to start a quote and does not publish a fee schedule. ⁴ ¹

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

Ask Risklytics how prompt-injection or model-leak wording would be treated. ²
Ask Pie which carrier partner would issue the policy. ¹
Compare the $1 million-plus typical ask with Pie's quoted limit. ²
Confirm Risklytics' no-broker-fee statement against Pie's total cost. ⁴

Pie Insurance vs Risklytics Cyber Insurance Compared

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

Criteria	Pie Cyber Insurance for Small Businesses	Risklytics Cyber Liability 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.	Risklytics says companies typically need this coverage the first time they hold customer data in production, and that enterprise and government contracts require it once a vendor touches their data. ²Company-reported. Lines page.
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.	You start Risklytics Cyber Liability Insurance through Risklytics' online application. Risklytics says there is no broker fee on top of the premium and a licensed producer stays on the file until the program binds; its commission is paid by the carrier out of the premium either way. ^4,³Company-reported. Pricing page describes the general application and fee process, not a line-specific form.
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.	Risklytics describes Cyber Liability as paying for breach cleanup, legally required notifications, and the claims that follow a hack or data leak, such as a ransomware attack or exfiltrated customer records, and says it does not respond to a model giving bad output with no breach involved. ²Company-reported. Lines page; the issued policy and declarations control actual coverage.
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.	Risklytics Insurance Services is a licensed insurance producer (NPN 22311838) that places Risklytics Cyber Liability Insurance with outside carriers; it says it does not underwrite policies itself. ³Company-reported. About page; describes Risklytics' brokerage model generally, restated for this line.