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Cytora vs Pie Insurance — Underwriting workstation for US insurance, 2026.

Cytora (8 named carriers) and Pie Insurance (3 named carriers) both sit at the underwriting workstation layer. Zero customer overlap in the public roster — they are addressing different segments of the same stack layer.

Last verified 2026-04-22 · methodology

TL;DR

  • Cytora has 8 publicly-named carrier deployments; Pie Insurance has 3. Both at the underwriting workstation layer.
  • Zero customer overlap in the public roster. Cytora and Pie Insurance are addressing different carriers within the same stack layer.
  • Both classified ai-native on Phidea's generation axis.
  • Ownership contrast: Cytora is a subsidiary of Applied Systems; Pie Insurance is independently held.
  • Analyst coverage: 0 firms cover both, 2 only Cytora, 5 only Pie Insurance.

Customer overlap

BucketCount
Named on Cytora only8
Named on Pie Insurance only3
Named on both0
of which US-named on at least one side0

Only on Cytora

  • QBE (AU)
  • AXA XL (UK)
  • MS Amlin (UK)
  • Starr (US)
  • Arch Insurance (BM)
  • Markel (US)
  • Chubb (claims intake) (US)
  • Beazley (US)

Only on Pie Insurance

  • The Pie Insurance Company (US)
  • SiriusPoint America Insurance Company (US)
  • Ford Motor Credit (Ford Pro Insure) (US)

Counts derived from 11sourced carrier-deployment entries across both vendor cards. Aggregate-only statements (e.g. “16 of the top 20”) excluded.

Stack position

Cytora
Generation
ai-native
Stack layer
Underwriting workstation
Founded
2014
Lines
commercial, specialty
Pie Insurance
Generation
ai-native
Stack layer
Underwriting workstation
Founded
2017
Lines
workers-comp, commercial

Ownership and corporate context

Cytora
Type
subsidiary
Parent
Applied Systems
Acquired
2025

Source: Applied Systems

Pie Insurance
Type
independent

Source: PR Newswire

Carrier-segment specialization

Cytora — geographic split

  • US
    4
  • UK
    2
  • AU
    1
  • BM
    1

Pie Insurance — geographic split

  • US
    3

Analyst coverage differential

Only Cytora cited by
  • Carrier Management (2019: By Taming Big Data With AI, Cytora Aims to Transform Commercial Underwriting)
  • Applied Systems (2026: Cytora launches Autopilot to deliver insurance workflows that run themselves)
Only Pie Insurance cited by
  • Insurance Journal (2023: Workers Comp Insurtech Pie Transitions to Full-Stack Carrier)
  • TechCrunch (2022: SMB-focused Pie Insurance raises $315M Series D)
  • Crunchbase News (2022: Pie Insurance Gets Big Slice Of Funding In $315M Series D)
  • Coverager (2025: Pie and Ford to split in 2025)
  • PR Newswire (Pie Insurance) (2026: Pie Insurance Reports Strong 2025 With Geographic Expansion, 55,000+ Policies In-Force)

Recent news (last 12 months)

No news items in the last 12 months for either tool.

Sourced limitations

Cytora

No publicly-sourced limitations recorded on the vendor card yet.

Pie Insurance
  • Pie is a licensed insurance carrier, not a software vendor. Carriers and brokers do not license a Pie underwriting product — they place business with Pie through its independent-agent channel or cede/assume reinsurance capacity. The AI underwriting workflow is internal to Pie's own book.
    Source: Pie Insurance
  • Workers' compensation is Pie's core and primary line. Commercial auto was distributed through the Ford Pro Insure partnership, which is ending — Pie stops new commercial auto submissions from 1 December 2025 and issues no new or renewal policies effective 1 January 2026 or later. Pie publicly framed the wind-down as a refocus on workers' comp.
    Source: Coverager
  • Pie's workers' compensation product is available in 39 states plus Washington D.C. as of the 2025 year-end update — not nationwide. Geographic licensing continues to constrain which small businesses Pie can quote and bind.
    Source: PR Newswire
  • No Gartner, Celent, Forrester or Novarica coverage of Pie Insurance surfaces in public search. Third-party validation is concentrated in insurance trade press (Insurance Journal, Coverager, Carrier Management, Reinsurance News) and Pie's own announcements.
    Source: Crunchbase News

Limitations published on Phidea are sourced to the underlying citation and reflect what is publicly named — not an exhaustive list. Consult the vendor card for the full record.

Frequently asked

Do any carriers run both Cytora and Pie Insurance?
Not in Phidea's public roster. Across 11 sourced carrier-deployment entries on both vendor cards, zero carriers appear on both. The two tools are addressing different carriers within the same stack layer.
Who owns Cytora and Pie Insurance?
Cytora is a subsidiary of Applied Systems. Pie Insurance is independently held.
Which has more named US carriers?
Cytora has the larger publicly-named US roster: Cytora 4, Pie Insurance 3. Public-roster size is a coverage signal, not a quality signal — vendors with stronger NDAs may have larger actual US footprints than the public count shows.
Where are these tools positioned in the insurance stack?
Both sit at the underwriting workstation layer. Cytora operates as a standalone vendor; Pie Insurance operates as a standalone vendor.

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