Pie Insurance vs USI Insurance Services: How Do They Compare for Cyber Insurance?

USI Insurance Services is a broker whose PrivaSafe program for middle-market firms includes up to $2 million in notification-cost coverage; Pie Insurance markets cyber to small businesses through partner carriers.

USI's PrivaSafe form posts notification and defense amounts outside the main limit and asks for current policies, a vulnerability assessment and audited financials. Pie places small-business cyber through unnamed partners and does not post those figures or that document list. ^2,¹

What Are the Key Differences Between Pie Insurance and USI Insurance Services Cyber Insurance?

Published Sublimits Versus an Unpriced Small-Business Pitch

USI layers a manuscripted PrivaSafe form onto brokered cyber policies and posts numbers a buyer can check.

USI says PrivaSafe can prevent uninsured or underinsured losses up to $10 million, includes up to $2 million in notification-cost coverage in addition to the policy's aggregate limit, and $250,000 in defense-cost coverage outside the limit (with additional limit available). ²Company-reported. Program page figures describe the PrivaSafe structure generally; a buyer's actual limits, sublimits and retentions are set on the policy declarations.

Pie markets cyber to small businesses generally and does not publish sublimits. Choose USI if those published extras and a middle-market form matter; choose Pie if you want a small-business intermediary without that document-heavy start. ¹

Document Checklist Versus Contact-Us

USI asks you to bring current cyber policies, an assessment of your largest cyber vulnerabilities and recent audited financials. Pie directs buyers to contact the company through its website. ² ¹

Who Each Invites

USI markets PrivaSafe to middle-market firms it says often lack in-house security expertise, and to any business that gathers personal or health information, runs a network or takes electronic payments. Pie's pitch is small businesses generally, next to workers compensation, commercial auto and BOP. ² ¹

What Should You Confirm in Pie Insurance and USI Insurance Services Cyber Insurance Quotes?

Ask USI whether the $10 million, $2 million and $250,000 figures appear on your quote. ²
Ask Pie which partner would issue the policy. ¹
Get the issuing insurer from both. ² ¹

Pie Insurance vs USI Insurance Services Cyber Insurance Compared

Pie Insurance vs USI Insurance Services: Cyber Insurance: documented features by provider

Criteria	Pie Cyber Insurance for Small Businesses	USI PrivaSafe Cyber and Privacy Liability Program
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.	USI markets PrivaSafe to middle-market firms, saying they are particularly vulnerable to cyber events because they have limited in-house access to security expertise. The page also says any business that gathers personal or health information, manages a network, or accepts electronic payments is a potential target. ²Company-reported. Program page marketing description, not an underwriting appetite statement.
How to Apply	Pie directs cyber buyers to contact the company to start a quote through its website. ¹Company-reported. Cyber Insurance product page as read on 2026-09-23.	To review cyber exposure with USI, the program page says a buyer should be ready to provide current cyber policies (if any), an assessment of its largest financial and operational cyber vulnerabilities, and its most recent audited financials. ²Company-reported. PrivaSafe program page intake description.
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.	USI describes PrivaSafe as covering three areas: liability costs (including inability to protect information and related tort liability), compliance and corrective costs (data breach and forensic costs, privacy regulatory costs, payment-card standards), and direct costs (network interruption, data reconstruction, cyber extortion, bricking, voluntary shutdown, reputational harm business interruption, and cyber crime). ²Company-reported. PrivaSafe program page; actual insuring agreements and exclusions are set by the issued policy form.
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.	USI is a broker, not an insurer, for cyber coverage. It places cyber and privacy liability policies for clients and layers on its own manuscripted program, PrivaSafe, rather than underwriting the risk itself. ^2,³Company-reported. PrivaSafe program page and USI's property & casualty and technology practice pages.