Adaptive Cyber Insurance

Cowbell Prime 100

A standalone, admitted cyber insurance program for businesses with up to $100M in revenue.

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Why Cowbell Prime 100

Ideal for first-time buyers or businesses upgrading from a BOP or packaged cyber policy

Written on “A” rated paper, backed by a panel of top global reinsurers

Coverages designed to address the diversity and rapid evolution of today’s cyber threats – not just data breaches

Individualized policies that match every business’s unique risk profile, based on identified and quantified risks

24/7 risk analysis and recommendations with Cowbell Factors™ and Cowbell Insights

Risk engineering consultation and cyber awareness training bundled with policy at no additional charge

Have more than $100M in revenue? Learn about Cowbell Prime 250

What We Cover

Cowbell Prime 100 covers your risks according to your specific risk exposures. Your Cowbell Factors identify your risk level to help you determine the ideal package of insurance coverage to mitigate potential losses from a cyberattack.

Security Breach Expense

Coverage for losses and expenses directly associated with response activities in the aftermath of a cyber incident

Extortion Threats & Ransom Payments

Coverage for expenses related to the investigation, negotiation, and possible payment of an extortion threat and ransom

Restoration of Electronic Data

Coverage for the costs to replace or restore electronic data or computer programs in the aftermath of an incident

Business Income, Contingent Business Income & Extra Expense

Coverage for the losses and costs associated with the inability to conduct business due to a cyber incident or an extortion threat

System Failure

Endorsement that broadens business income and contingent business Income coverage to businesses that engage in e-commerce and adds a system failure event trigger

Public Relations Expenses

Coverage for the fees and costs to restore reputation in response to negative publicity following a cyber incident or a security breach

Security Breach Liability

Coverage for third-party liability directly due to a cyber incident and that the insured may become legally obligated to pay

Computer & Funds Transfer Fraud

Coverage for the losses associated with a fraudulent transfer of money, securities, or other property

Social Engineering

Coverage for losses associated with fraudulent instruction & misrepresentation leading to the unintended transfer of money

Reverse Social Engineering

Coverage for the fraudulent transfer of funds, including invoice manipulation, or other similar deceptive intentional acts by someone outside your organization to your client or vendor

Ransom Payments

Coverage for the reimbursement of ransom payment to a third party to resolve an extortion threat

Post Breach Remediation

Coverage for labor costs incurred to resolve vulnerabilities in the insured’s computer system that are identified after a cyber incident

Hardware Replacement Costs

Coverage for the cost to replace destructed or corrupted equipment after a cyber incident

Telecommunications Fraud

Coverage for the cost of unauthorized use of the insured’s telephone system following a cyber incident

Website Media Content Liability

Coverage for loss and defense expenses from intellectual property infringement

Regulator Defense & Penalties

Coverage for loss and defense expenses as a result of an investigation on behalf of an administrative, regulatory or federal, local or foreign government entity

PCI Fines & Penalties

Coverage for loss and defense expenses as a result of a claim in the form of an action by a Card Company for non-compliance with the Payment Card Industry Data Security Standards, including coverage of related fines or penalties

Dedicated Breach Cost Endorsement

Breach Cost Expense coverage provided as a dedicated separate limit

Service Fraud and Crypotjacking

Coverage for an expanded set of telecommunications fraud including cloud consumption and cryptojacking

Cowbell Prime 100 is available to businesses with up to $100 million of revenue on an admitted basis in the following states: Alabama, Alaska, Arizona, Arkansas, California, Colorado, Delaware, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Washington, West Virginia, Wisconsin, Wyoming and the District of Columbia (D.C.). Access Cowbell’s licensing details.

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