Pie Insurance vs 
Travelers Cyber Insurance
Travelers underwrites a modular tech and life-sciences policy with free risk services; Pie sells general small-business cyber coverage.
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 Travelers Insurance?
Travelers is a U.S. property-casualty insurance group that markets business coverage, including a technology practice, through independent agents and brokers. Buyers can investigate CyberRisk Tech, a small-business technology-services policy, and other commercial lines, then confirm the issuing company and California availability on a quote. 5,6,7
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
Who Each Targets
Travelers markets CyberRisk Tech specifically to technology and life-sciences companies, citing their reliance on digital systems and sensitive data such as intellectual property and patient or clinical information. Pie markets cyber insurance to small businesses generally, cross-selling it alongside workers' compensation, commercial auto and BOP coverage rather than naming an industry focus.
Travelers targets CyberRisk Tech at technology and life-sciences companies, citing their reliance on digital systems and sensitive data, including intellectual property and patient or clinical information. 8Company-reported. Product page introduction.
4Underwriter vs. Intermediary
Travelers underwrites CyberRisk Tech itself, letting a buyer choose cyber protection, technology E&O protection, or both within the same policy. Pie says it helps small businesses get coverage "from our insurance carrier partners," identifying itself as an intermediary rather than the underwriter for this line. 8 4
Risk Services
Travelers includes Cyber Risk Services at no additional cost for its cyber policyholders: a 24/7 dashboard, continuous threat monitoring, and pre- and post-breach support with Claim specialists and an outside breach coach. Pie's reviewed page does not describe a comparable ongoing risk-management service; it focuses on coverage scenarios such as identity theft and cyber extortion. 8 4
What to Confirm in Cyber Insurance Quotes
- If you are outside technology or life sciences, ask whether Travelers' CyberRisk Tech still applies to your business. 8
- Ask Pie which specific carrier would underwrite your policy, since its page names none. 4
- Ask Travelers for published limits or premium ranges, since its reviewed page states none. 8
- Confirm whether Travelers' free Cyber Risk Services would apply to your policy tier, since Pie's page does not describe a comparable service to weigh against it. 8
Offering Details
Pie Insurance vs Travelers Cyber Insurance: documented features by provider
| Criteria | Pie Cyber Insurance for Small Businesses | Travelers CyberRisk Tech |
|---|---|---|
| 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. | Travelers underwrites CyberRisk Tech as a scalable policy for technology and life-sciences companies, letting a business choose cyber protection, technology E&O protection, or both within the same policy. 8Company-reported. Product page "What does cyber insurance coverage for technology companies include?" section. |
| 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. | 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. 4Company-reported. Cyber Insurance product page as read on 2026-09-23; no minimum size, revenue, or industry restriction was published. | Travelers targets CyberRisk Tech at technology and life-sciences companies, citing their reliance on digital systems and sensitive data, including intellectual property and patient or clinical information. 8Company-reported. Product page introduction. |
| 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. | Travelers says CyberRisk Tech includes technology errors and omissions, privacy and security, media and regulatory proceedings liability insuring agreements, plus breach response, cybercrime and business loss (first-party) coverages such as forensic investigations, public relations costs, business interruption loss and cyber extortion costs. 8Company-reported. Product page "How does CyberRisk tech coverage mitigate cyber risk?" and "What does cyber insurance coverage for technology companies include?" sections; exact terms and exclusions are set by the issued policy. |
| Limits and Retentions | Not described in the reviewed sources. | The reviewed page does not publish limits, retentions or premiums for CyberRisk Tech; amounts would appear on a quote or declarations. 8Not found in reviewed sources. Product page as read on 2026-09-23. |
| Risk Services | Not described in the reviewed sources. | Travelers includes Cyber Risk Services at no additional cost for Cyber-coverage policyholders: a 24/7 Cyber Risk Dashboard, continuous threat monitoring, pre-breach consultation, and post-breach support pairing policyholders with Claim specialists and an outside cyber breach coach who connects them to forensics investigators and crisis communications professionals. 8Company-reported. Product page "How can technology companies identify cyber risks earlier?" and "How do Cyber Risk Services support technology and life sciences policyholders?" sections; availability varies by policy eligibility. Travelers says organizations that engaged with its Cyber Risk Dashboard and related services saw cyber claim frequency and severity reduced by nearly 20% compared with policyholders that did not, based on its own claims data. 8Company-reported. Product page footnote on the risk-reduction statistic; this is a company-reported outcome, not independently verified. |
| 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. | CyberRisk Tech is bought through a Travelers independent agent or Travelers representative. 8Company-reported. Product page "Consult your insurance agent about cyber insurance for technology and life sciences" section. |
Full Comparison
More Pie Insurance vs Travelers 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.
Travelers
- Technology Insurance. Travelers; Technology insurance products we offer: CyberRisk Tech, Global Companion Plus+, general liability, commercial property, workers compensation, commercial auto, umbrella; startup-to-established-leader audience. Accessed 2026-09-16.
- Travelers Producer Compensation Disclosure (United States). Travelers; Independent producers; seven compensation types; Simply Business, Inc. and InsuraMatch, LLC ownership; The Travelers Indemnity Company footer; Northfield Excess & Surplus Lines product list. Accessed 2026-09-16.
- Contact Us. Travelers; Business insurance sold through independent agents; business claims 1.800.238.6225; MyTravelers for business features. Accessed 2026-09-16.
- Cyber Insurance for Technology and Life Sciences. Travelers; What does cyber insurance coverage for technology companies include?; How does CyberRisk tech coverage mitigate cyber risk?; How can technology companies identify cyber risks earlier?; How do Cyber Risk Services support technology and life sciences policyholders? 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.
