Pie Insurance vs The Hartford: How Do They Compare for Cyber Insurance?

The Hartford sells cyber as a business owner's policy endorsement or CyberChoice, averaging $320 a year for data breach coverage; Pie Insurance markets it to small businesses through partner carriers.

The Hartford sells cyber as a BOP endorsement, standalone CyberChoice or FailSafe Tech E&O and reports about $320 a year on average for data-breach coverage. Pie is an intermediary for small-business cyber and asks you to contact the company to start a quote. ^2,¹

What Are the Key Differences Between Pie Insurance and The Hartford Cyber Insurance?

Hartford Paper Versus Partner Carriers

The Hartford underwrites cyber three ways depending on complexity, including a BOP endorsement. Pie says it helps small businesses get coverage from insurance carrier partners and does not underwrite the line. Choose The Hartford if you want one of those three Hartford products; choose Pie if you want an intermediary to place the line with a partner. ² ¹

A $320 Average Versus No Published Price

The Hartford reports customers pay about $320 a year on average for data-breach coverage. Pie's page does not publish a premium, limit or retention. ² ¹

A Staffed Response Center Versus No Claims Detail

The Hartford gives policyholders 24/7 Cyber Center access and a FirstResponse hotline at 800-370-0605. Pie's reviewed page does not describe claims handling for this line. ² ¹

What Should You Confirm in Pie Insurance and The Hartford Cyber Insurance Quotes?

Ask The Hartford which of the three structures applies. ²
Ask Pie which partner would issue the policy. ¹
Confirm how third-party claims are treated on The Hartford form. ²

Pie Insurance vs The Hartford Cyber Insurance Compared

Pie Insurance vs The Hartford: Cyber Insurance: documented features by provider

Criteria	Pie Cyber Insurance for Small Businesses	The Hartford Cyber 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.	The Hartford says cyber coverage is relevant to businesses that use the internet in operations, maintain a website, store private client data, or accept digital payments. ²Company-reported. Cyber insurance product page as read 2026-09-23.
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.	The Hartford lists covered expenses after a cyber event: incident response (legal, forensic investigation, public relations), cyber extortion/ransom payments and negotiation, data recovery, system/network restoration, lost income from business interruption, customer notification and credit monitoring, and regulatory-inquiry defense and fines. The Hartford does not offer separate third-party cyber coverage; that risk may instead fall within its general liability grant. ²Company-reported. Cyber insurance product page as read 2026-09-23. General coverage description; the issued policy controls.
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.	The Hartford sells cyber coverage three ways depending on complexity: as an endorsement (Data Breach and Cyber Virus and Malware) added to a Business Owner's Policy, as stand-alone CyberChoice First Response for non-technology businesses with more complex risk, or as FailSafe Technology Errors and Omissions for technology businesses. ²Company-reported. Cyber insurance product page as read 2026-09-23.

Criteria

Pie Cyber Insurance for Small Businesses

The Hartford Cyber 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.

The Hartford says cyber coverage is relevant to businesses that use the internet in operations, maintain a website, store private client data, or accept digital payments. ²Company-reported. Cyber insurance product page as read 2026-09-23.

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.

The Hartford lists covered expenses after a cyber event: incident response (legal, forensic investigation, public relations), cyber extortion/ransom payments and negotiation, data recovery, system/network restoration, lost income from business interruption, customer notification and credit monitoring, and regulatory-inquiry defense and fines. The Hartford does not offer separate third-party cyber coverage; that risk may instead fall within its general liability grant. ²Company-reported. Cyber insurance product page as read 2026-09-23. General coverage description; the issued policy controls.

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.

The Hartford sells cyber coverage three ways depending on complexity: as an endorsement (Data Breach and Cyber Virus and Malware) added to a Business Owner's Policy, as stand-alone CyberChoice First Response for non-technology businesses with more complex risk, or as FailSafe Technology Errors and Omissions for technology businesses. ²Company-reported. Cyber insurance product page as read 2026-09-23.