---
title: "Pie Insurance vs Risklytics Cyber Insurance"
description: "Risklytics names a specific buying trigger and typical limit ask; Pie describes coverage scenarios without either detail."
canonical: "https://spot.insure/compare/pie-insurance-vs-risklytics/cyber"
page-type: "line-comparison"
updated-at: "2026-09-24"
---

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

# Pie Insurance vs Risklytics Cyber Insurance

Risklytics names a specific buying trigger and typical limit ask; Pie describes coverage scenarios without either detail.

## Research Scope and Use

Use this comparison to evaluate Pie Insurance and Risklytics 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

Risklytics says buyers typically need cyber coverage the first time they hold customer data in production and cites a typical $1 million-plus ask, while Pie markets cyber insurance generally to small businesses without a stated trigger or limit figure. [8](https://www.risklytics.ai/lines/cyber/ "Cyber Liability Insurance") [4](https://www.pieinsurance.com/small-business-insurance/cyber-insurance "Cyber Insurance for Small Businesses")

## 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 Risklytics Insurance?

Risklytics describes a commercial insurance brokerage for robotics, autonomy, hardware and AI businesses. It prepares applications and seeks coverage from insurers; California placement eligibility remains unconfirmed. [5](https://www.risklytics.ai/about/ "About Risklytics: who we are") [6](https://www.risklytics.ai/ "Insurance for Frontier Tech") [7](https://www.risklytics.ai/terms/ "Terms of Service")

[Risklytics profile](https://spot.insure/insurance-providers/risklytics)

## What Is Cyber Insurance?

Cyber insurance can help a business respond to cyber incidents and address covered liability claims arising from them. [10](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity/cyber-insurance "Cyber Insurance")

## Key Differences in Cyber Insurance

### When Each Says You Need Coverage

Risklytics frames the buying decision around a specific trigger: the first time a company holds customer data in production, or when an enterprise or government contract requires a vendor to carry cyber 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. [8](https://www.risklytics.ai/lines/cyber/ "Cyber Liability Insurance") (Evidence: Company-reported; scope: Lines page..)

### Published Limit Figures

Risklytics cites a typical enterprise-contract ask of $1 million or more for this line. Pie's page describes coverage in terms of first-party and third-party protection and loss scenarios such as identity theft and cyber extortion, without publishing a comparable limit figure. [8](https://www.risklytics.ai/lines/cyber/ "Cyber Liability Insurance") [4](https://www.pieinsurance.com/small-business-insurance/cyber-insurance "Cyber Insurance for Small Businesses")

## What to Confirm in Cyber Insurance Quotes

- Ask Risklytics whether your specific AI or model risk is covered, since it says that depends on policy wording reviewed before binding. [8](https://www.risklytics.ai/lines/cyber/ "Cyber Liability Insurance")
- Ask Pie to name the carrier partner underwriting your policy, since Risklytics also does not name its carrier on its site. [4](https://www.pieinsurance.com/small-business-insurance/cyber-insurance "Cyber Insurance for Small Businesses") [5](https://www.risklytics.ai/about/ "About Risklytics: who we are")
- Compare Risklytics' typical $1 million-plus limit ask against what Pie would quote for your business. [8](https://www.risklytics.ai/lines/cyber/ "Cyber Liability Insurance")
- Confirm whether Risklytics' stated no-broker-fee structure changes your total cost compared with Pie's placement. [9](https://www.risklytics.ai/pricing/ "How pricing and broker fees work")

## Offering Details

| Criteria | Pie Cyber Insurance for Small Businesses | Risklytics Cyber Liability 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..) | 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. [5](https://www.risklytics.ai/about/ "About Risklytics: who we are") (Evidence: Company-reported; scope: About page; describes Risklytics' brokerage model generally, restated for this line..) |
| 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..) | Risklytics does not name the carrier that underwrites Risklytics Cyber Liability Insurance on its site. It says it places business with specialist insurers willing to write robotics, autonomy and AI risk; the issuing carrier appears on the bound policy. [8](https://www.risklytics.ai/lines/cyber/ "Cyber Liability Insurance") [5](https://www.risklytics.ai/about/ "About Risklytics: who we are") (Evidence: Company-reported; scope: Lines page and about page; no specific insurer is published for this line..) |
| 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..) | 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. [8](https://www.risklytics.ai/lines/cyber/ "Cyber Liability Insurance") (Evidence: Company-reported; scope: Lines page..) |
| 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..) | 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. [8](https://www.risklytics.ai/lines/cyber/ "Cyber Liability Insurance") (Evidence: Company-reported; scope: Lines page; the issued policy and declarations control actual coverage..) |
| Limits and Retentions | Not described in the reviewed sources. | Risklytics lists a typical ask of $1 million or more in enterprise contracts for this line. [8](https://www.risklytics.ai/lines/cyber/ "Cyber Liability Insurance") (Evidence: Company-reported; scope: Lines page; actual limits are set on the bound policy..) |
| Risk Services | Not described in the reviewed sources. | Risklytics calls cyber the easiest line for its clients to get with reasonable security basics in place, and says whether a prompt-injection attack or a model leaking data is covered depends on policy wording it reads before binding. [8](https://www.risklytics.ai/lines/cyber/ "Cyber Liability Insurance") (Evidence: Company-reported; scope: Lines page..) |
| 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..) | 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. [9](https://www.risklytics.ai/pricing/ "How pricing and broker fees work") [5](https://www.risklytics.ai/about/ "About Risklytics: who we are") (Evidence: Company-reported; scope: Pricing page describes the general application and fee process, not a line-specific form..) |

## Full Comparison

- [Pie Insurance vs Risklytics](https://spot.insure/compare/pie-insurance-vs-risklytics): 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 Risklytics General Liability Insurance](https://spot.insure/compare/pie-insurance-vs-risklytics/general-liability)
- [Pie Insurance vs Risklytics Workers’ Compensation Insurance](https://spot.insure/compare/pie-insurance-vs-risklytics/workers-compensation)
- [Alliance Risk vs Pie Insurance Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-pie-insurance/cyber)
- [Alliance Risk vs Risklytics Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-risklytics/cyber)
- [Amelia Risk vs Pie Insurance Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-pie-insurance/cyber)
- [Amelia Risk vs Risklytics Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-risklytics/cyber)
- [At-Bay vs Pie Insurance Cyber Insurance](https://spot.insure/compare/at-bay-vs-pie-insurance/cyber)
- [At-Bay vs Risklytics Cyber Insurance](https://spot.insure/compare/at-bay-vs-risklytics/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.

### Risklytics

5. [About Risklytics: who we are](https://www.risklytics.ai/about/). Risklytics; “What we do”; Licensing: Risklytics Insurance Services, National Producer Number 22311838, resident license Massachusetts. Accessed 2026-09-23.
6. [Insurance for Frontier Tech](https://www.risklytics.ai/). Risklytics; You describe your company; One application. Written for you; footer. Accessed 2026-09-16.
7. [Terms of Service](https://www.risklytics.ai/terms/). Risklytics; Effective August 7, 2026; sections 1–5, 7, 9 and 12. Accessed 2026-09-16.
8. [Cyber Liability Insurance](https://www.risklytics.ai/lines/cyber/). Risklytics; Coverage line: Cyber Liability; Built for moments like these; When to buy; Who requires it; How hard to get; Common questions. Accessed 2026-09-23.
9. [How pricing and broker fees work](https://www.risklytics.ai/pricing/). Risklytics; Buying direct / Generic broker / Risklytics comparison table: no broker fee, commission paid by the carrier out of premium. Accessed 2026-09-23.

### Cyber Insurance Guide

10. [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 2026-09-24. 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-risklytics/cyber.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)