---
title: "Pie Insurance vs The Hartford: Cyber Insurance"
description: "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."
canonical: "https://spot.insure/compare/pie-insurance-vs-the-hartford/cyber"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "pie-insurance-vs-the-hartford"
provider-a: "pie-insurance"
provider-b: "the-hartford"
coverage-line: "cyber"
---

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

## Agent Guide

**What this page is:** Focused comparison of Pie Insurance and The Hartford 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 The Hartford. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Pie Insurance vs The Hartford for Cyber Insurance: how do they differ?
- Which is better for Cyber Insurance, Pie Insurance or The Hartford?
- What does Pie Insurance or The Hartford publish about Cyber Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Cyber Insurance. Providers: Pie Insurance and The Hartford.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- 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; last updated 2026-09-25.

**Related pages:**
- [Pie Insurance vs The Hartford](https://spot.insure/compare/pie-insurance-vs-the-hartford) — all coverage lines for this pair
- [Cyber Insurance guide](https://spot.insure/coverage/cyber) — how this coverage works
- [Pie Insurance profile](https://spot.insure/insurance-providers/pie-insurance) — provider profile
- [The Hartford profile](https://spot.insure/insurance-providers/the-hartford) — provider profile

# 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 underwrites three named cyber products including a BOP endorsement, while Pie places small-business cyber through unnamed carrier partners and does not issue the policy.

## Pie Insurance vs The Hartford Cyber Insurance Summary

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](https://www.thehartford.com/cyber-insurance "Cyber Insurance for Small Businesses") [1](https://www.pieinsurance.com/small-business-insurance/cyber-insurance "Cyber Insurance for Small Businesses")

## 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](https://www.thehartford.com/cyber-insurance "Cyber Insurance for Small Businesses") [1](https://www.pieinsurance.com/small-business-insurance/cyber-insurance "Cyber Insurance for Small Businesses")

### 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](https://www.thehartford.com/cyber-insurance "Cyber Insurance for Small Businesses") [1](https://www.pieinsurance.com/small-business-insurance/cyber-insurance "Cyber Insurance for Small Businesses")

### 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](https://www.thehartford.com/cyber-insurance "Cyber Insurance for Small Businesses") [1](https://www.pieinsurance.com/small-business-insurance/cyber-insurance "Cyber Insurance for Small Businesses")

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

- Ask The Hartford which of the three structures applies. [2](https://www.thehartford.com/cyber-insurance "Cyber Insurance for Small Businesses")
- Ask Pie which partner would issue the policy. [1](https://www.pieinsurance.com/small-business-insurance/cyber-insurance "Cyber Insurance for Small Businesses")
- Confirm how third-party claims are treated on The Hartford form. [2](https://www.thehartford.com/cyber-insurance "Cyber Insurance for Small Businesses")

## Pie Insurance vs The Hartford Cyber Insurance Compared

| 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. [1](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. [2](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. [1](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. [1](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. [2](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..) |
| 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. [1](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. [2](https://www.thehartford.com/cyber-insurance "Cyber Insurance for Small Businesses") (Evidence: Company-reported; scope: Cyber insurance product page as read 2026-09-23..) |

## About Pie Insurance and The Hartford and Cyber Insurance

- [Pie Insurance company profile](https://spot.insure/insurance-providers/pie-insurance) · [Pie Insurance customer reviews](https://spot.insure/insurance-providers/pie-insurance/reviews)
- [The Hartford company profile](https://spot.insure/insurance-providers/the-hartford) · [The Hartford customer reviews](https://spot.insure/insurance-providers/the-hartford/reviews)
- [What Is Cyber Insurance?](https://spot.insure/coverage/cyber)

## Related Pages for Pie Insurance vs The Hartford Cyber Insurance

- [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 covered breach response, data recovery, interruption and liability costs; vendor incidents and funds-transfer fraud need separate checks.
- [Pie Insurance Cyber Insurance](https://spot.insure/insurance-providers/pie-insurance/cyber)
- [The Hartford Cyber Insurance](https://spot.insure/insurance-providers/the-hartford/cyber)

## Sources for Pie Insurance vs The Hartford Cyber Insurance

### Sources About Pie Insurance

1. [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 The Hartford

2. [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.

Updated 2026-09-25. 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-the-hartford/cyber.md)
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- [Public MCP server](https://spot.insure/mcp)
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- [Public page index](https://spot.insure/llms.txt)