Pie Insurance vs 
TechInsurance Cyber Insurance
TechInsurance publishes a median monthly premium from its own book of business; Pie publishes no comparable cost figure.
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. 1,2,3
What Is TechInsurance?
TechInsurance is a small-business insurance agency and brokerage with a technology focus, offering online quote comparison and agent assistance through the Insureon organization. 5,6
What Is Cyber Insurance?
Cyber insurance can help a business respond to cyber incidents and address covered liability claims arising from them. 9
Key Differences in Cyber Insurance
Published Pricing vs. No Published Figure
TechInsurance reports a median cost of $129 a month, or about $1,552 a year, for its cyber liability policyholders, based on its own customer data. Pie's page describes its cyber coverage in terms of first-party and third-party protection without publishing a comparable price figure, directing buyers to contact the company for a quote instead.
TechInsurance says its cyber liability policyholders pay a median of $129 per month, or about $1,552 a year, based on its own customer data, with the exact premium depending on employee count, data volume, claims history, deductible and coverage limits. 7Company-reported. Cyber liability product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table.
4What Falls Outside Each Policy
TechInsurance's page names specific exclusions: professional negligence claims unrelated to a breach, physical damage to electronic devices, and data loss from physical hardware damage. Pie's page does not itemize exclusions; it describes coverage through loss scenarios such as identity theft, cyber extortion and lawsuits rather than a list of what is excluded. 7 4
Who Each Targets
TechInsurance names specific segments for cyber liability: IT and technology professionals, retail, healthcare, financial services, real estate, and media and advertising businesses. Pie markets cyber insurance to small businesses generally, cross-selling it alongside workers' compensation, commercial auto and BOP coverage rather than naming industry segments. 7 4
What to Confirm in Cyber Insurance Quotes
- Ask TechInsurance for a specific quote rather than relying on its published median, since your premium depends on your own risk factors. 7
- Ask Pie to name the carrier partner underwriting your policy, since TechInsurance's page also does not name an insurer. 4 7
- If your business handles physical hardware, ask TechInsurance how its stated exclusions interact with any property coverage you carry. 7
- Ask Pie which first-party and third-party coverages are included by default versus added separately. 4
Offering Details
Pie Insurance vs TechInsurance Cyber Insurance: documented features by provider
| Criteria | Pie Cyber Insurance for Small Businesses | TechInsurance 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. 4Company-reported. Cyber Insurance product page as read on 2026-09-23. | TechInsurance arranges cyber liability insurance as a standalone policy and describes it as often bundled with technology errors and omissions coverage in a combined tech E&O package. 7Company-reported. Cyber liability product page. |
| Issuing Insurer | The reviewed page refers only to 'our insurance carrier partners' and does not name a specific insurer for Pie's cyber product. 4Not publicly disclosed. Cyber Insurance product page as read on 2026-09-23. | The reviewed cyber liability page does not name the issuing insurer for a cyber policy; TechInsurance says it collects an application and returns quotes from multiple carriers rather than naming one insurer upfront. 7Not publicly disclosed. Cyber liability product page as read on 2026-09-23. |
| 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. 4Company-reported. Cyber Insurance product page as read on 2026-09-23; no minimum size, revenue, or industry restriction was published. | TechInsurance targets cyber liability at small businesses handling sensitive data, naming IT and technology professionals, retail, healthcare, financial services, real estate, and media and advertising businesses as example segments. 7Company-reported. Who needs cyber liability insurance section of the product 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. 4Company-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. 4Company-reported. Cyber Insurance product page as read on 2026-09-23. | TechInsurance splits cyber liability into first-party coverage (data breach response, cyber extortion payments, business interruption, data recovery) and third-party coverage (legal fees, regulatory fines, reputation management, settlements and court-ordered damages) for claims a client brings against the business. 7Company-reported. Cyber liability product page; coverage described in general terms, not a specific policy form. TechInsurance says cyber liability insurance does not cover professional negligence claims unrelated to a breach, physical damage to electronic devices, or data loss from physical damage to hardware, and points buyers to errors and omissions or a business owner's policy for those gaps. 7Company-reported. What isn't covered by cyber liability insurance section of the product page. |
| Limits and Retentions | Not described in the reviewed sources. | TechInsurance says its cyber liability policyholders pay a median of $129 per month, or about $1,552 a year, based on its own customer data, with the exact premium depending on employee count, data volume, claims history, deductible and coverage limits. 7Company-reported. Cyber liability product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table. |
| Risk Services | Not described in the reviewed sources. | The reviewed cyber liability page does not describe ongoing security monitoring or other risk-management services for policyholders; it focuses on coverage, cost and how to buy. 7Not found in reviewed sources. Cyber liability product page as read on 2026-09-23. |
| How to Apply | Pie directs cyber buyers to contact the company to start a quote through its website. 4Company-reported. Cyber Insurance product page as read on 2026-09-23. | You request cyber liability quotes online through a short application describing your business; TechInsurance says a licensed agent is available to help and that a certificate of insurance is typically available the same day you buy a policy. 7Company-reported. Cyber liability product page application and certificate sections. |
Full Comparison
More Pie Insurance vs TechInsurance Comparisons
Other Cyber Insurance Comparisons
Sources
Pie Insurance
- Legal. Pie Insurance; State Licenses; footer disclosure naming producer and workers’ compensation versus third-party underwriting roles. Accessed 2026-09-15.
- Workers’ Comp Insurance For Small Businesses. 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.
- 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.
- Cyber Insurance for Small Businesses. 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.
TechInsurance
- About TechInsurance. TechInsurance; Opening description; one-application process; History of TechInsurance, 2011 and 2022 entries. Accessed 2026-09-16.
- Contact Us. TechInsurance; FAQs: How does TechInsurance work? (agent assistance obtaining surety bonds); agent or broker role; application; finding quotes; updating address; certificates. Accessed 2026-09-16.
- Cyber Liability Insurance – Compare Quotes. TechInsurance; What does cyber liability insurance cover?; First-party vs third-party coverage sections; How much does cyber liability insurance cost?; Who needs cyber liability insurance?; What isn't covered by cyber liability insurance? Accessed 2026-09-23.
- Small Business Insurance. TechInsurance; Cyber liability insurance card under Top recommended small business insurance policies. Accessed 2026-09-23.
Cyber Insurance Guide
- 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.
