---
title: "Pie Insurance vs Simply Business: Cyber Insurance"
description: "Pie describes first- and third-party cyber protection through carrier partners; Simply Business makes cyber available as an add-on for select buyers of another business policy."
canonical: "https://spot.insure/compare/pie-insurance-vs-simply-business/cyber"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "pie-insurance-vs-simply-business"
provider-a: "pie-insurance"
provider-b: "simply-business"
coverage-line: "cyber"
---

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

## Agent Guide

**What this page is:** Focused comparison of Pie Insurance and Simply Business for Cyber Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Cyber Insurance questions about Pie Insurance versus Simply Business. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Pie Insurance vs Simply Business for Cyber Insurance: how do they differ?
- Which is better for Cyber Insurance, Pie Insurance or Simply Business?
- What does Pie Insurance or Simply Business publish about Cyber Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Cyber Insurance from Pie Insurance or Simply Business?

**Key facts:**
- Line: Cyber Insurance. Providers: Pie Insurance and Simply Business.
- Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- "Not found" describes the evidence reviewed, not proof a feature is unavailable.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date in the Sources section; last updated 2026-09-30. Editorial policy: /editorial-policy.

**Related pages:**
- [Pie Insurance vs Simply Business](https://spot.insure/compare/pie-insurance-vs-simply-business) — parent: all coverage lines for this pair
- [Cyber Insurance guide](https://spot.insure/coverage/cyber) — coverage explainer for this line
- [Pie Insurance profile](https://spot.insure/insurance-providers/pie-insurance) — provider profile (evidence)
- [Simply Business profile](https://spot.insure/insurance-providers/simply-business) — provider profile (evidence)
- [Pie Insurance vs Simply Business Business Owner’s Policy](https://spot.insure/compare/pie-insurance-vs-simply-business/business-owners-policy) — sibling comparison (other line, or other pair for this line)
- [Pie Insurance vs Simply Business General Liability Insurance](https://spot.insure/compare/pie-insurance-vs-simply-business/general-liability) — sibling comparison (other line, or other pair for this line)
- [Pie Insurance vs Simply Business Professional Liability (E&O) Insurance](https://spot.insure/compare/pie-insurance-vs-simply-business/professional-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [Pie Insurance vs Simply Business Workers’ Compensation Insurance](https://spot.insure/compare/pie-insurance-vs-simply-business/workers-compensation) — sibling comparison (other line, or other pair for this line)
- [AIG vs Pie Insurance Cyber Insurance](https://spot.insure/compare/aig-vs-pie-insurance/cyber) — sibling comparison (other line, or other pair for this line)
- [AIG vs Simply Business Cyber Insurance](https://spot.insure/compare/aig-vs-simply-business/cyber) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Pie Insurance Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-pie-insurance/cyber) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Simply Business Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-simply-business/cyber) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs Pie Insurance Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-pie-insurance/cyber) — sibling comparison (other line, or other pair for this line)
- [Amelia Risk vs Simply Business Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-simply-business/cyber) — sibling comparison (other line, or other pair for this line)

# Pie Insurance vs Simply Business: How Do They Compare for Cyber Insurance?

Pie describes first- and third-party cyber protection through carrier partners; Simply Business makes cyber available as an add-on for select buyers of another business policy.

## How to Use the Pie Insurance vs Simply Business Cyber Insurance Comparison

Use this comparison to evaluate Pie Insurance and Simply Business 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.

## Pie Insurance vs Simply Business Cyber Insurance Summary

Pie describes first- and third-party cyber protection through carrier partners; Simply Business makes cyber available as an add-on for select buyers of another business policy. [4](https://www.pieinsurance.com/small-business-insurance/cyber-insurance "Cyber Insurance for Small Businesses") [7](https://www.simplybusiness.com/business-insurance/cyber-liability-insurance/ "Cyber Insurance")

## 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. [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)

## Simply Business: Online Small-Business Insurance Marketplace

Simply Business describes a digital marketplace and licensed-producer service for small businesses. The policy and selected insurer determine coverage, fees, servicing and claims responsibilities. [5](https://www.simplybusiness.com/about-us/ "Our Small Business Insurance Story") [6](https://www.simplybusiness.com/terms-conditions/ "Terms of Service")

[Simply Business profile](https://spot.insure/insurance-providers/simply-business)

## 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. [8](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity/cyber-insurance "Cyber Insurance") [9](https://www.aig.com/content/dam/aig/america-canada/us/documents/business/cyber/cyberedge-wording-sample-specimen-form.pdf "CyberEdge specimen policy")

## What Are the Key Differences Between Pie Insurance and Simply Business Cyber Insurance?

### First- and Third-Party Protection

Pie says its cyber policies can address a business’s own stolen data or hacked network as well as lawsuits after a cybercrime affects others. Simply Business also describes potential event and privacy-regulation claims, but says cyber is available only to select businesses buying another policy. Ask Pie for the carrier’s actual grants and confirm the underlying product and eligibility needed for Simply Business. [4](https://www.pieinsurance.com/small-business-insurance/cyber-insurance "Cyber Insurance for Small Businesses") [7](https://www.simplybusiness.com/business-insurance/cyber-liability-insurance/ "Cyber Insurance")

### Named Scenarios

Pie highlights employee or customer identity theft, cyber extortion and financial protection against related lawsuits. Simply Business describes security-event and privacy-regulation risks generally, without those named scenarios in its reviewed summary. Compare definitions for identity theft and extortion, and whether legal costs or ransom-related expenses have separate limits. [4](https://www.pieinsurance.com/small-business-insurance/cyber-insurance "Cyber Insurance for Small Businesses") [7](https://www.simplybusiness.com/business-insurance/cyber-liability-insurance/ "Cyber Insurance")

### Buying Route and Carrier

Pie directs prospective cyber buyers to contact the company and refers to unnamed carrier partners. Simply Business offers a phone route and online tool, but its terms condition binding on panel-member approval. Obtain the insurer name, policy form, limits, retention and binding status for each quote before deciding. [4](https://www.pieinsurance.com/small-business-insurance/cyber-insurance "Cyber Insurance for Small Businesses") [6](https://www.simplybusiness.com/terms-conditions/ "Terms of Service")

## What Should You Confirm in Pie Insurance and Simply Business Cyber Insurance Quotes?

- Ask Pie to name the carrier partner and show whether identity theft, extortion and related third-party suits are base cover or optional terms. [4](https://www.pieinsurance.com/small-business-insurance/cyber-insurance "Cyber Insurance for Small Businesses")
- Ask Simply Business whether cyber is available alongside the chosen policy and obtain policy wording for first-party data costs; its public page does not establish that those expenses are covered by a particular quote. [7](https://www.simplybusiness.com/business-insurance/cyber-liability-insurance/ "Cyber Insurance")

## Pie Insurance vs Simply Business Cyber Insurance Compared

| Criteria | Pie Cyber Insurance for Small Businesses | Cyber liability coverage as an add-on through Simply Business |
| --- | --- | --- |
| 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..) | Confirm in your quote. |
| 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..) | Confirm in your quote. |
| 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..) | Simply Business says cyber is available as an added coverage for select businesses purchasing another business policy, with general liability, professional liability and workers’ compensation given as examples. This is not a universal availability promise. [7](https://www.simplybusiness.com/business-insurance/cyber-liability-insurance/ "Cyber Insurance") (Evidence: Company-reported; scope: Company-published cyber information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer..) |
| 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..) | The cyber page describes security-event and privacy-regulation claim types as risks that may be covered. This is company education; the policy determines coverage, limits, triggers and exclusions. [7](https://www.simplybusiness.com/business-insurance/cyber-liability-insurance/ "Cyber Insurance") (Evidence: Company-reported; scope: Company-published cyber information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer..) |
| 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..) | The page lists a phone quote route for cyber and also describes an online quote tool. Its Terms say availability varies by state, insurer and business details and binding requires panel-member approval. [7](https://www.simplybusiness.com/business-insurance/cyber-liability-insurance/ "Cyber Insurance") [6](https://www.simplybusiness.com/terms-conditions/ "Terms of Service") (Evidence: Company-reported; scope: Company-published cyber information for U.S. small businesses; availability and actual policy terms depend on the insurer, state and buyer..) |

## Related Pages for Pie Insurance vs Simply Business Cyber Insurance

- [Pie Insurance vs Simply Business](https://spot.insure/compare/pie-insurance-vs-simply-business): all coverage lines, business roles, service and claims.
- [What Is Cyber Insurance?](https://spot.insure/coverage/cyber): Cyber insurance can help pay covered breach response, data recovery, interruption and liability costs; vendor incidents and funds-transfer fraud need separate checks.
- [Pie Insurance vs Simply Business Business Owner’s Policy](https://spot.insure/compare/pie-insurance-vs-simply-business/business-owners-policy)
- [Pie Insurance vs Simply Business General Liability Insurance](https://spot.insure/compare/pie-insurance-vs-simply-business/general-liability)
- [Pie Insurance vs Simply Business Professional Liability (E&O) Insurance](https://spot.insure/compare/pie-insurance-vs-simply-business/professional-errors-omissions)
- [Pie Insurance vs Simply Business Workers’ Compensation Insurance](https://spot.insure/compare/pie-insurance-vs-simply-business/workers-compensation)
- [AIG vs Pie Insurance Cyber Insurance](https://spot.insure/compare/aig-vs-pie-insurance/cyber)
- [AIG vs Simply Business Cyber Insurance](https://spot.insure/compare/aig-vs-simply-business/cyber)
- [Alliance Risk vs Pie Insurance Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-pie-insurance/cyber)
- [Alliance Risk vs Simply Business Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-simply-business/cyber)
- [Amelia Risk vs Pie Insurance Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-pie-insurance/cyber)
- [Amelia Risk vs Simply Business Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-simply-business/cyber)

## Sources for Pie Insurance vs Simply Business Cyber Insurance

### Sources About 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.

### Sources About Simply Business

5. [Our Small Business Insurance Story](https://www.simplybusiness.com/about-us/). Simply Business; Opening description and audience; digital marketplace, business types and U.S. service.. Accessed 2026-09-29.
6. [Terms of Service](https://www.simplybusiness.com/terms-conditions/). Simply Business; Dated June 30, 2026; §1 lines 22–28; §8 lines 87–113; §10 lines 143–149; §19 line 211.. Accessed 2026-09-29.
7. [Cyber Insurance](https://www.simplybusiness.com/business-insurance/cyber-liability-insurance/). Simply Business; Claim types lines 88–105; select-buyer add-on/phone quote lines 171–175; route and last-updated lines 389–395.. Accessed 2026-09-29.

### Sources for the 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.
9. [CyberEdge specimen policy](https://www.aig.com/content/dam/aig/america-canada/us/documents/business/cyber/cyberedge-wording-sample-specimen-form.pdf). 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.

Updated 2026-09-30. 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.

## Pie Insurance Review Scores for 2026

Review Score: 1.7 / 10 from 2 rated sources, equally weighted.

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.

- Trustpilot: TrustScore 1.7 (5 stars); 666 reviews. Brand-level Trustpilot consumer reviews; policy product is generally identified as workers’ compensation, but reviewer policy/entity scope varies. Checked 2026-09-25. [Pie Insurance Reviews - Trustpilot](https://www.trustpilot.com/review/www.pieinsurance.com)
- BBB: BBB Rating F (BBB letter grade). BBB profile for commercial insurance services; BBB grade and complaint-response record, not policy performance measure. Period: BBB profile reports 15 complaints filed, 13 unanswered; complaint data, not reviews. Checked 2026-09-25. [Pie Insurance Services | BBB Business Profile](https://www.bbb.org/us/dc/washington/profile/commercial-insurance-services/pie-insurance-services-0241-236060990)

Reviewed 2026-09-25. [Read the sourced review](https://spot.insure/insurance-providers/pie-insurance/reviews).

## Simply Business Review Scores for 2026

Review Score: 5.7 / 10 from 4 rated sources, equally weighted.

Customers disagree about Simply Business. Trustpilot shows 4.3 out of 5 from 1,901 reviews, but BBB customers give it 1.95 from 20 reviews and ConsumerAffairs shows 1.0.

- Trustpilot: TrustScore 4.3 (out of 5); 1901 reviews. Simply Business US Trustpilot profile. Reviews are not tied to a specific insurance line or insurer. Period: profile accessed 2026-09-29; 419 in last 12 months. Checked 2026-09-29. [Simply Business US Reviews](https://www.trustpilot.com/review/simplybusiness.com)
- ConsumerAffairs: ConsumerAffairs header rating 1.0 (out of 5 (breakdown conflicts with review filters)); 148 reviews. ConsumerAffairs Simply Business page, broad business-insurance context; not line-specific. Period: page updated 2026-09-17; denominator unresolved. Checked 2026-09-29. [Simply Business Reviews](https://www.consumeraffairs.com/insurance/simply-business.html)
- BBB: BBB business grade B+ (BBB letter grade). BBB profile classifies Simply Business as an insurance agency; business grade, consumer-review average and complaint ledger are separate measures, none is line-specific. Period: profile accessed 2026-09-29. Checked 2026-09-29. [Simply Business BBB Business Profile](https://www.bbb.org/us/ma/boston/profile/insurance-agency/simply-business-0021-539591); [Simply Business BBB Complaints](https://www.bbb.org/us/ma/boston/profile/insurance-agency/simply-business-0021-539591/complaints); [Simply Business BBB Customer Reviews](https://www.bbb.org/us/ma/boston/profile/insurance-agency/simply-business-0021-539591/customer-reviews)
- BBB: BBB customer review average 1.95 (out of 5); 20 reviews. BBB customer-review average for the Simply Business profile (Boston, MA). Separate from the business grade. Period: BBB review page checked 2026-09-29. Checked 2026-09-29. [Simply Business BBB Customer Reviews](https://www.bbb.org/us/ma/boston/profile/insurance-agency/simply-business-0021-539591/customer-reviews)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/simply-business/reviews).

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/pie-insurance-vs-simply-business/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)