---
title: "Pie Insurance vs The Hartford Cyber Insurance"
description: "The Hartford underwrites cyber itself through three named product structures; Pie places cyber through unnamed carrier partners."
canonical: "https://spot.insure/compare/pie-insurance-vs-the-hartford/cyber"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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# Pie Insurance vs The Hartford Cyber Insurance

The Hartford underwrites cyber itself through three named product structures; Pie places cyber through unnamed carrier partners.

## Research Scope and Use

Use this comparison to evaluate Pie Insurance and The Hartford 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

The Hartford underwrites cyber coverage through a BOP endorsement, standalone CyberChoice First Response, or FailSafe Tech E&O and reports an average $320 a year for data breach coverage, while Pie describes itself as an intermediary working with unnamed carrier partners. [8](https://www.thehartford.com/cyber-insurance "Cyber Insurance for Small Businesses") [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 The Hartford?

The Hartford is the brand of The Hartford Insurance Group, Inc., whose subsidiaries underwrite property-and-casualty insurance and employee benefits. Small-business buyers can start online or by phone or work through independent agents, while the issuing company and state eligibility still have to be confirmed on a quote. [5](https://www.thehartford.com/legal-notice "Legal Notice") [6](https://www.thehartford.com/business-insurance/saas-insurance "SaaS Insurance for Your Business") [7](https://www.thehartford.com/find-an-agent "Find a Local Insurance Agent")

[The Hartford profile](https://spot.insure/insurance-providers/the-hartford)

## What Is Cyber Insurance?

Cyber insurance can help a business respond to cyber incidents and address covered liability claims arising from them. [9](https://www.ftc.gov/business-guidance/small-businesses/cybersecurity/cyber-insurance "Cyber Insurance")

## Key Differences in Cyber Insurance

### Insurer vs. Intermediary

The Hartford underwrites cyber coverage itself and sells it three ways: a Data Breach and Cyber Virus/Malware endorsement on a Business Owner's Policy, standalone CyberChoice First Response, or FailSafe Technology E&O for technology businesses. Pie instead says it helps small businesses get cyber coverage "from our insurance carrier partners," identifying itself as an intermediary rather than the underwriter.

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. [8](https://www.thehartford.com/cyber-insurance "Cyber Insurance for Small Businesses") (Evidence: Company-reported; scope: Cyber insurance product page as read 2026-09-23..)

[4](https://www.pieinsurance.com/small-business-insurance/cyber-insurance "Cyber Insurance for Small Businesses")

### Published Pricing

The Hartford reports an average $320 a year for data breach coverage, based on its own customer data. Pie's page does not publish a comparable average price; it describes coverage through loss scenarios such as identity theft and cyber extortion and directs buyers to contact the company for a quote. [8](https://www.thehartford.com/cyber-insurance "Cyber Insurance for Small Businesses") [4](https://www.pieinsurance.com/small-business-insurance/cyber-insurance "Cyber Insurance for Small Businesses")

### Ongoing Services

The Hartford gives policyholders 24/7 access to a Cyber Center for security-awareness training, attorney consultations and vendor contract review. Pie's reviewed page does not describe a comparable ongoing security or risk-management service; it focuses on coverage scenarios and how to start a quote. [8](https://www.thehartford.com/cyber-insurance "Cyber Insurance for Small Businesses") [4](https://www.pieinsurance.com/small-business-insurance/cyber-insurance "Cyber Insurance for Small Businesses")

## What to Confirm in Cyber Insurance Quotes

- Ask which of The Hartford's three product structures fits your business, and whether Pie's carrier partners offer a comparable structure. [8](https://www.thehartford.com/cyber-insurance "Cyber Insurance for Small Businesses")
- Confirm whether The Hartford's $320 average applies to your business size and risk profile. [8](https://www.thehartford.com/cyber-insurance "Cyber Insurance for Small Businesses")
- Ask Pie to name the carrier partner underwriting your policy and its price, since neither is published on Pie's page. [4](https://www.pieinsurance.com/small-business-insurance/cyber-insurance "Cyber Insurance for Small Businesses")
- Ask whether The Hartford's third-party cyber risk falls within its general liability grant rather than a standalone cyber form, and compare that structure with what Pie's carrier partners offer. [8](https://www.thehartford.com/cyber-insurance "Cyber Insurance for Small Businesses")

## Offering Details

| Criteria | Pie Cyber Insurance for Small Businesses | The Hartford Cyber 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..) | 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. [8](https://www.thehartford.com/cyber-insurance "Cyber Insurance for Small Businesses") (Evidence: Company-reported; scope: Cyber insurance product page as read 2026-09-23..) |
| 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..) | Not described in the reviewed sources. |
| 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..) | 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. [8](https://www.thehartford.com/cyber-insurance "Cyber Insurance for Small Businesses") (Evidence: Company-reported; scope: 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. [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 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. [8](https://www.thehartford.com/cyber-insurance "Cyber Insurance for Small Businesses") (Evidence: Company-reported; scope: Cyber insurance product page as read 2026-09-23. General coverage description; the issued policy controls..) |
| Limits and Retentions | Not described in the reviewed sources. | The Hartford reports customers pay about $320 a year on average for data breach coverage; the page does not publish standard coverage limits or retentions, which it says depend on business operations, size and chosen coverage options. [8](https://www.thehartford.com/cyber-insurance "Cyber Insurance for Small Businesses") (Evidence: Company-reported; scope: Company-reported average as of 2026-09-23 (page last updated by The Hartford March 10, 2026); not a specific quote..) |
| Risk Services | Not described in the reviewed sources. | The Hartford gives cyber policyholders 24/7 access to a Cyber Center with security awareness training, data privacy and cybersecurity attorney consultation, third-party vendor contract review, cyber advisories and webinars. [8](https://www.thehartford.com/cyber-insurance "Cyber Insurance for Small Businesses") (Evidence: Company-reported; scope: Cyber insurance product page as read 2026-09-23..) |
| 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..) | Not described in the reviewed sources. |
| Claims Support | Not described in the reviewed sources. | The Hartford's Cyber Response Team is available 24/7 through a FirstResponse hotline (800-370-0605) or email (firstresponse@thehartford.com) to help policyholders respond to an active cyber incident. [8](https://www.thehartford.com/cyber-insurance "Cyber Insurance for Small Businesses") (Evidence: Company-reported; scope: Cyber insurance product page as read 2026-09-23..) |

## Full Comparison

- [Pie Insurance vs The Hartford](https://spot.insure/compare/pie-insurance-vs-the-hartford): 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 The Hartford Business Owner’s Policy](https://spot.insure/compare/pie-insurance-vs-the-hartford/business-owners-policy)
- [Pie Insurance vs The Hartford General Liability Insurance](https://spot.insure/compare/pie-insurance-vs-the-hartford/general-liability)
- [Pie Insurance vs The Hartford Professional Liability (E&O) Insurance](https://spot.insure/compare/pie-insurance-vs-the-hartford/professional-errors-omissions)
- [Pie Insurance vs The Hartford Workers’ Compensation Insurance](https://spot.insure/compare/pie-insurance-vs-the-hartford/workers-compensation)
- [Alliance Risk vs Pie Insurance Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-pie-insurance/cyber)
- [Alliance Risk vs The Hartford Cyber Insurance](https://spot.insure/compare/alliance-risk-vs-the-hartford/cyber)
- [Amelia Risk vs Pie Insurance Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-pie-insurance/cyber)
- [Amelia Risk vs The Hartford Cyber Insurance](https://spot.insure/compare/amelia-risk-vs-the-hartford/cyber)
- [At-Bay vs Pie Insurance Cyber Insurance](https://spot.insure/compare/at-bay-vs-pie-insurance/cyber)
- [At-Bay vs The Hartford Cyber Insurance](https://spot.insure/compare/at-bay-vs-the-hartford/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.

### The Hartford

5. [Legal Notice](https://www.thehartford.com/legal-notice). The Hartford; The Hartford Insurance Group, Inc. holding-company description; no representation that all products are available in all locations; P&C writing-company table as of December 31, 2025 including Hartford Fire (NAIC 19682) and Hartford Underwriters (NAIC 30104); life writing companies including Hartford Life and Accident (NAIC 70815). Accessed 2026-09-16.
6. [SaaS Insurance for Your Business](https://www.thehartford.com/business-insurance/saas-insurance). The Hartford; Audience list (software startups, SaaS, IT consulting); Get a Business Owner’s Policy; What Is Business Owner’s Policy Insurance?; general liability introduction and Get a Quote; Get Commercial Property Insurance; Commercial Property Insurance for Your Business; Benefits of The Hartford’s WC Insurance for Employers and Employees; cyber insurance and data breach descriptions; Get a quote for cyber insurance; EPLI introduction and Private Choice Premier; add-ons (workers’ compensation, data breach, commercial auto); technology professional liability mention; small-business availability banner; industry-average premium footnote; footnote 2 state restrictions; footer product-availability disclosure. Accessed 2026-09-16.
7. [Find a Local Insurance Agent](https://www.thehartford.com/find-an-agent). The Hartford; Small-business and midsize agent locators; FAQ that buyers can purchase without an agent by calling or quoting online; statement that agents may charge fees. Accessed 2026-09-16.
8. [Cyber Insurance for Small Businesses](https://www.thehartford.com/cyber-insurance). The Hartford; What Is Business Cyber Insurance?; Does My Business Need Cyber Insurance?; What Does Cyber Insurance Usually Cover?; What Is Not Covered; How Much Does Cyber Insurance Cost; The Hartford's Small Business Cyber Insurance Solutions (BOP add-on, CyberChoice First Response, FailSafe Technology E&O). Accessed 2026-09-23.

### Cyber Insurance Guide

9. [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 2026-09-23. 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.

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