Pie Insurance vs 
USI Insurance Services Cyber Insurance
USI negotiates its own named PrivaSafe form with published limit figures; Pie routes buyers to unnamed carrier partners with no limit figures.
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 USI Insurance Services?
USI Insurance Services is a U.S. insurance brokerage and consulting firm that arranges property and casualty, employee benefits, personal risk, and retirement programs. Its Technology practice says it works with software, hardware, and related companies from early seed stage through IPO, using a consultative process rather than a published self-serve 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. 10
Key Differences in Cyber Insurance
A Named Program vs. Carrier Partners
USI places cyber coverage through its own manuscripted program, PrivaSafe, a custom-drafted form it negotiates with the market on behalf of middle-market clients. Pie instead says it helps small businesses get cyber coverage "from our insurance carrier partners," without naming a proprietary program or the partners themselves. 8 4
Published Limits
USI publishes specific PrivaSafe figures: coverage meant to prevent losses up to $10 million, up to $2 million in notification costs in addition to the aggregate limit, and $250,000 in defense-cost coverage outside the limit. Pie's page does not publish comparable limit figures; it describes coverage through loss scenarios such as identity theft and cyber extortion.
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). 8Company-reported. Program page figures describe the PrivaSafe structure generally; a buyer's actual limits, sublimits and retentions are set on the policy declarations.
4Who Each Targets
USI markets PrivaSafe to middle-market firms it says have limited in-house access to security expertise. Pie markets cyber insurance to small businesses generally, cross-selling it alongside workers' compensation, commercial auto and BOP coverage rather than naming a company-size segment. 8 4
What to Confirm in Cyber Insurance Quotes
- Ask USI which insurer would underwrite your PrivaSafe placement, since its page names none. 8
- Ask Pie the same question about its carrier partners. 4
- Compare USI's published $10 million loss-prevention figure and sublimits against the coverage amount Pie would quote you. 8
- Ask USI whether your business fits its stated middle-market focus, or whether Pie's small-business lineup is the better match. 8
Offering Details
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 |
|---|---|---|
| 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. | 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. 8,6Company-reported. PrivaSafe program page and USI's property & casualty and technology practice pages. |
| 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. | USI does not name the insurer that issues PrivaSafe or other cyber policies on the pages reviewed. PrivaSafe is described as a manuscripted (custom-drafted) coverage form that USI negotiates with the market, so the carrier varies by placement. 8Not publicly disclosed. PrivaSafe program page as read on 2026-09-23; no dedicated cyber carrier list was found. |
| 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. | 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. 8Company-reported. Program page marketing description, not an underwriting appetite statement. |
| 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. | 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). 8Company-reported. PrivaSafe program page; actual insuring agreements and exclusions are set by the issued policy form. |
| Limits and Retentions | Not described in the reviewed sources. | 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). 8Company-reported. Program page figures describe the PrivaSafe structure generally; a buyer's actual limits, sublimits and retentions are set on the policy declarations. |
| Risk Services | Not described in the reviewed sources. | USI says PrivaSafe includes pre-breach services to help avoid cyber threats and post-breach services designed to streamline incident response and recovery, on top of USI's general property & casualty cyber specialists. 8,9Company-reported. Program page and property-casualty practice team description. |
| 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. | 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. 8Company-reported. PrivaSafe program page intake description. |
Full Comparison
More Pie Insurance vs USI Insurance Services 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.
USI Insurance Services
- The Power of ONE. USI Insurance Services; History, client-count, nationwide office, and P&C / benefits / personal risk / retirement description. Accessed 2026-09-16.
- Technology Insurance. USI Insurance Services; USI's Technology Practice provides risk management advisory and insurance placement for: ...Network Security/USI PrivaSafe... Accessed 2026-09-23.
- Commissions and Fees. USI Insurance Services; Licensed-producer authority, insurer-paid commission default, contingent compensation, and client request right. Accessed 2026-09-16.
- USI Exclusive PrivaSafe. USI Insurance Services; How can USI help our firm...; Comprehensive Cyber Coverage Through Three Distinct Offerings (Liability Costs, Compliance/Corrective Costs, Direct Costs); Up to $2 million in notification costs...; $250,000 in defense cost coverage outside the limit; Our current local/regional broker already secured a Cyber liability policy... Accessed 2026-09-23.
- P&C Insurance and Risk Consulting. USI Insurance Services; risk management and insurance advice on broad risk exposures such as...Cyber Risk...; cyber specialists, claim advocates, risk control specialists. 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.
