{"id":36309,"date":"2025-11-12T15:49:25","date_gmt":"2025-11-12T23:49:25","guid":{"rendered":"https:\/\/cowbell.insure\/au\/?page_id=36309"},"modified":"2025-11-19T13:04:23","modified_gmt":"2025-11-19T21:04:23","slug":"prime-one","status":"publish","type":"page","link":"https:\/\/cowbell.insure\/au\/prime-one\/","title":{"rendered":"Prime One"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; admin_label=&#8221;Hero Prime One&#8221; module_class=&#8221;prime-one-banner&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;_initial&#8221; background_video_mp4=&#8221;https:\/\/cowbell.insure\/uk\/wp-content\/uploads\/sites\/13\/2025\/10\/AdobeStock_545202754.mov&#8221; custom_padding=&#8221;90px|74px|90px|74px|true|true&#8221; custom_padding_tablet=&#8221;90px|50px|90px|50px|true|true&#8221; custom_padding_phone=&#8221;40px|30px|40px|30px|true|true&#8221; da_disable_devices=&#8221;off|off|off&#8221; global_colors_info=&#8221;{}&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221;][et_pb_row column_structure=&#8221;1_2,1_2&#8243; custom_padding_last_edited=&#8221;on|phone&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;_initial&#8221; custom_padding=&#8221;0px|0px|0px|0px|true|true&#8221; custom_padding_tablet=&#8221;0px||0px||true|true&#8221; custom_padding_phone=&#8221;0px|0px|0px|0px|true|true&#8221; module_alignment_tablet=&#8221;&#8221; module_alignment_phone=&#8221;&#8221; module_alignment_last_edited=&#8221;on|desktop&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_2&#8243; module_class=&#8221;prime-one-banner-left&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;_initial&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_image src=&#8221;https:\/\/cowbell.insure\/wp-content\/uploads\/2025\/10\/logos-mangt.png&#8221; title_text=&#8221;logos-mangt&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; locked=&#8221;off&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_heading title=&#8221;Cowbell Prime One&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;||0px||false|false&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_heading][et_pb_heading title=&#8221;Standalone cyber insurance programme&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; title_level=&#8221;h4&#8243; custom_margin=&#8221;||0px||false|false&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_heading][\/et_pb_column][et_pb_column type=&#8221;1_2&#8243; module_class=&#8221;prime-one-banner-right&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;_initial&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text module_class=&#8221;prime-one-banner-cont&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;_initial&#8221; module_alignment=&#8221;right&#8221; module_alignment_tablet=&#8221;right&#8221; module_alignment_phone=&#8221;right&#8221; module_alignment_last_edited=&#8221;on|desktop&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Prime One is designed for small and medium-sized enterprises (SMEs) with annual turnover up to $100M. Cyber policies are written on Zurich Australian Insurance Ltd paper.<\/p>\n<p>Prime One keeps cyber insurance simple: clear, reliable protection for businesses and straightforward, efficient processes for brokers. This is the steady assurance organisations need to move forward with confidence.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; admin_label=&#8221;Prime 100 is suitable for a range of businesses and sectors, including&#8221; module_class=&#8221;suitable-range-point-sec&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;_initial&#8221; custom_margin=&#8221;130px|0px|40px|0px|false|true&#8221; custom_margin_tablet=&#8221;100px||||false|true&#8221; custom_margin_phone=&#8221;40px||0px||false|true&#8221; custom_margin_last_edited=&#8221;on|tablet&#8221; custom_padding=&#8221;40px|74px|38px|74px|false|true&#8221; custom_padding_tablet=&#8221;40px|50px|38px|50px|false|true&#8221; custom_padding_phone=&#8221;40px|30px|38px|30px|false|true&#8221; da_disable_devices=&#8221;off|off|off&#8221; global_colors_info=&#8221;{}&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221;][et_pb_row column_structure=&#8221;1_4,1_4,1_4,1_4&#8243; use_custom_gutter=&#8221;on&#8221; gutter_width=&#8221;1&#8243; custom_padding_last_edited=&#8221;on|phone&#8221; module_class=&#8221;globle-point-list suitable-range-point&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;_initial&#8221; custom_padding=&#8221;0px|0px|0px|0px|true|true&#8221; custom_padding_tablet=&#8221;0px||0px||true|true&#8221; custom_padding_phone=&#8221;0px|0px|0px|0px|true|true&#8221; animation_style=&#8221;fade&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_4&#8243; module_class=&#8221;range-column-1 prime-pro-suitable-heading&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;_initial&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_heading title=&#8221;Prime One is suitable for a range of businesses, including:&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; title_level=&#8221;h4&#8243; global_colors_info=&#8221;{}&#8221;][\/et_pb_heading][\/et_pb_column][et_pb_column type=&#8221;1_4&#8243; module_class=&#8221;range-column-2&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;_initial&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;_initial&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<ul>\n<li>Accounting firms<\/li>\n<li>Construction &amp; Contractors<\/li>\n<li>Entertainment<\/li>\n<li>Financial services<\/li>\n<li>Healthcare<\/li>\n<\/ul>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_4&#8243; module_class=&#8221;range-column-3&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;_initial&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;_initial&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<ul>\n<li>Hospitality &amp; Hotel<\/li>\n<li>Insurance brokerages<\/li>\n<li>Law firms<\/li>\n<li>Manufacturing<\/li>\n<li>Medical &amp; Dental offices<\/li>\n<\/ul>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_4&#8243; module_class=&#8221;range-column-4&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;_initial&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;_initial&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<ul>\n<li>Not-for-Profit<\/li>\n<li>Professional services<\/li>\n<li>Retail &amp; E-commerce<\/li>\n<li>Transportation<\/li>\n<li>Wholesale<\/li>\n<\/ul>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; admin_label=&#8221;The Cowbell advantage&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;_initial&#8221; da_disable_devices=&#8221;off|off|off&#8221; global_colors_info=&#8221;{}&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221;][et_pb_row custom_padding_last_edited=&#8221;on|phone&#8221; module_class=&#8221;prime-advantage-heading&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;_initial&#8221; custom_padding=&#8221;90px|0px|95px|0px|false|true&#8221; custom_padding_tablet=&#8221;90px|0px|40px|0px|false|true&#8221; custom_padding_phone=&#8221;90px|0px|30px|0px|false|true&#8221; animation_style=&#8221;fade&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;_initial&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_heading title=&#8221;The Cowbell advantage&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; title_level=&#8221;h5&#8243; custom_margin=&#8221;||0px||false|false&#8221; custom_margin_tablet=&#8221;||0px||false|false&#8221; custom_margin_phone=&#8221;||0px||false|false&#8221; custom_margin_last_edited=&#8221;on|desktop&#8221; custom_padding=&#8221;||80px||false|false&#8221; custom_padding_tablet=&#8221;||60px||false|false&#8221; custom_padding_phone=&#8221;||30px||false|false&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_heading][et_pb_heading title=&#8221;We design coverage around&#8230;&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; title_level=&#8221;h2&#8243; title_text_color=&#8221;#eeab1e&#8221; custom_margin=&#8221;||20px||false|false&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_heading][et_pb_text module_class=&#8221;design-coverage-info&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;_initial&#8221; hover_enabled=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;]<\/p>\n<p><strong>what actually happens in a cyber event<\/strong>, explained in clear, simple terms that brokers can share with clients. Prime One goes beyond insurance to deliver resilience that resonates: calm, effective protection that strengthens businesses before, during, and after an incident.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; admin_label=&#8221;We design coverage around three block&#8221; module_class=&#8221;coverage-around-three-section&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;_initial&#8221; custom_padding=&#8221;0px|0px|0px|0px|true|true&#8221; custom_padding_tablet=&#8221;0px|0px|0px|0px|true|true&#8221; custom_padding_phone=&#8221;0px|0px|0px|0px|true|true&#8221; da_disable_devices=&#8221;off|off|off&#8221; global_colors_info=&#8221;{}&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221;][et_pb_row column_structure=&#8221;1_3,1_3,1_3&#8243; use_custom_gutter=&#8221;on&#8221; gutter_width=&#8221;1&#8243; custom_padding_last_edited=&#8221;on|phone&#8221; module_class=&#8221;prime-250-coverage &#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;_initial&#8221; custom_padding=&#8221;0px|0px|30px|0px|false|true&#8221; custom_padding_tablet=&#8221;0px||20px||false|true&#8221; custom_padding_phone=&#8221;0px|0px|10px|0px|false|true&#8221; animation_style=&#8221;fade&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_3&#8243; module_class=&#8221;coverage-middle-block&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;_initial&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;_initial&#8221; header_font=&#8221;|700|||||||&#8221; header_5_font=&#8221;&#8211;et_global_body_font|600|||||||&#8221; custom_margin=&#8221;||20px||false|false&#8221; custom_margin_tablet=&#8221;||0px||false|false&#8221; custom_margin_phone=&#8221;||0px||false|false&#8221; custom_margin_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<ul>\n<li>\n<h5>Cowbell factors\u2122:<\/h5>\n<p>Easy-to-understand risk ratings that reveal vulnerabilities clearly<\/p>\n<\/li>\n<li>\n<h5>Cowbell insights:<\/h5>\n<p>Practical, actionable guidance to strengthen defences<\/p>\n<\/li>\n<li>\n<h5>Expert Claims Support:<\/h5>\n<p>24\/7 in-house specialists who lead with empathy, guide recovery, and provide peace of mind when it matters most<\/p>\n<\/li>\n<\/ul>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; module_class=&#8221;coverage-right-block&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;_initial&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;_initial&#8221; header_font=&#8221;|700|||||||&#8221; header_5_font=&#8221;&#8211;et_global_body_font|600|||||||&#8221; custom_margin=&#8221;||20px||false|false&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<ul>\n<li>\n<h5>Cybersecurity awareness training:<\/h5>\n<p>Complimentary, easy-to-administer training programmes that empower employees to identify threats before they turn into a cyber event*<\/p>\n<\/li>\n<li>\n<h5>Cowbell resiliency services (CRS):<\/h5>\n<p>Practical tools and expert guidance to help businesses identify vulnerabilities, strengthen defences, and recover faster<\/p>\n<\/li>\n<ul><\/ul>\n<\/ul>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;_initial&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_image src=&#8221;https:\/\/cowbell.insure\/au\/wp-content\/uploads\/sites\/17\/2025\/11\/design-coverage-prime-one.jpg&#8221; alt=&#8221;design coverage&#8221; title_text=&#8221;design-coverage-prime-one&#8221; align=&#8221;right&#8221; align_tablet=&#8221;left&#8221; align_phone=&#8221;left&#8221; align_last_edited=&#8221;on|tablet&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;10px||0px||false|false&#8221; custom_margin_tablet=&#8221;||20px||false|false&#8221; custom_margin_phone=&#8221;20px||0px||false|false&#8221; custom_margin_last_edited=&#8221;on|phone&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][\/et_pb_column][\/et_pb_row][et_pb_row custom_padding_last_edited=&#8221;on|phone&#8221; module_class=&#8221;width1064 &#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;_initial&#8221; custom_padding=&#8221;0px|0px|150px|0px|false|true&#8221; custom_padding_tablet=&#8221;0px||100px||false|true&#8221; custom_padding_phone=&#8221;0px|0px|40px|0px|false|true&#8221; animation_style=&#8221;fade&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;_initial&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text module_class=&#8221;support-mail training-offered-prime-one&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;_initial&#8221; text_font_size=&#8221;12px&#8221; text_line_height=&#8221;16px&#8221; header_font=&#8221;|700|||||||&#8221; custom_margin=&#8221;||0px||false|false&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>*Cybersecurity awareness training offered through Wizer. Policyholders get unlimited seats at no additional cost for the first 12 months after policy inception. Email us at <a href=\"mailto:cybersecurity@cowbellcyber.ai\">cybersecurity@cowbellcyber.ai<\/a> to learn more.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; admin_label=&#8221;Prime One coverages&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;_initial&#8221; background_image=&#8221;https:\/\/cowbell.insure\/au\/wp-content\/uploads\/sites\/17\/2025\/09\/prime-coverages.jpg&#8221; custom_padding=&#8221;90px|74px|90px|74px|true|true&#8221; custom_padding_tablet=&#8221;70px|50px|70px|50px|true|true&#8221; custom_padding_phone=&#8221;30px|30px|30px|30px|true|true&#8221; da_disable_devices=&#8221;off|off|off&#8221; global_colors_info=&#8221;{}&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221;][et_pb_row module_class=&#8221;width1064 prime-one-coverages-box&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;_initial&#8221; custom_padding=&#8221;40px|115px|72px|115px|false|true&#8221; custom_padding_tablet=&#8221;40px|50px|60px|50px|false|true&#8221; custom_padding_phone=&#8221;30px|20px|30px|20px|true|true&#8221; animation_style=&#8221;slide&#8221; animation_direction=&#8221;left&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;_initial&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_image src=&#8221;https:\/\/cowbell.insure\/au\/wp-content\/uploads\/sites\/17\/2025\/09\/Protection@3x.png&#8221; title_text=&#8221;Protection@3x&#8221; align=&#8221;center&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;||30px||false|false&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_heading title=&#8221;Prime One coverages&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; title_level=&#8221;h2&#8243; title_text_align=&#8221;center&#8221; custom_margin=&#8221;||15px||false|false&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_heading][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;_initial&#8221; hover_enabled=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;]<\/p>\n<p><span style=\"font-weight: 400;\">The Prime One cyber protection package helps protect businesses from the wide range of cyber incidents that can disrupt operations. It provides clear, essential insurance cover for the most common cyber threats and includes built-in tools and training that help businesses stay stronger before, during, and after an incident.<\/span><\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; admin_label=&#8221;Accordion&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;_initial&#8221; da_disable_devices=&#8221;off|off|off&#8221; global_colors_info=&#8221;{}&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221;][et_pb_row column_structure=&#8221;1_2,1_2&#8243; module_class=&#8221;coverages-accordion width1064&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;_initial&#8221; custom_padding=&#8221;85px|0px|157px|0px|false|true&#8221; custom_padding_tablet=&#8221;70px||100px||false|true&#8221; custom_padding_phone=&#8221;40px|0px|40px|0px|true|true&#8221; animation_direction=&#8221;left&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_2&#8243; module_class=&#8221;prime-accordion-left&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;_initial&#8221; animation_style=&#8221;slide&#8221; animation_direction=&#8221;left&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_accordion open_toggle_text_color=&#8221;#0057A8&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; toggle_text_color=&#8221;#0057A8&#8243; custom_margin=&#8221;||||false|false&#8221; hover_enabled=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;][et_pb_accordion_item title=&#8221;Breach fund costs &#8221; open=&#8221;on&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><span role=\"presentation\" dir=\"ltr\">Coverage for costs incurred resulting from an actual or reasonably <\/span><span role=\"presentation\" dir=\"ltr\">suspected cyber event, including breach counsel, forensics, notification, identity monitoring <\/span><span role=\"presentation\" dir=\"ltr\">services, and crisis management<\/span>.<\/p>\n<p>[\/et_pb_accordion_item][et_pb_accordion_item title=&#8221;Liability costs&#8221; open=&#8221;on&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; hover_enabled=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;]<\/p>\n<p><span style=\"font-weight: 400;\">Coverage for defence expenses and damages the insured becomes legally obligated to pay, including contingent bodily injury and property damage, as a result of a covered claim.<\/span><\/p>\n<p>[\/et_pb_accordion_item][et_pb_accordion_item title=&#8221;Business interruption loss&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; hover_enabled=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221; open=&#8221;off&#8221; sticky_enabled=&#8221;0&#8243;]<\/p>\n<p><span style=\"font-weight: 400;\">Coverage for the income loss and extra expenses incurred due to the actual and measurable interruption or degradation in performance of the insured\u2019s computer system, including a voluntary shutdown of the system when such action is taken to minimise, avoid, or reduce further damage as a result of a covered incident.<\/span><\/p>\n<p>[\/et_pb_accordion_item][et_pb_accordion_item title=&#8221;Data restoration&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; hover_enabled=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221; open=&#8221;off&#8221; sticky_enabled=&#8221;0&#8243;]<\/p>\n<p><span style=\"font-weight: 400;\">Coverage for the cost to replace, restore, recreate, or recover data residing on an insured\u2019s computer system that is compromised as a direct result of a network security incident.<\/span><\/p>\n<p>[\/et_pb_accordion_item][et_pb_accordion_item title=&#8221;Cyber crime loss&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; open=&#8221;off&#8221;]<\/p>\n<p><span role=\"presentation\" dir=\"ltr\">Coverage for loss of money directly resulting from: (1) <\/span><span role=\"presentation\" dir=\"ltr\">social engineering, (2) reverse social engineering, and\/or (3) fraudulent transfer of funds.<\/span><\/p>\n<p>[\/et_pb_accordion_item][\/et_pb_accordion][\/et_pb_column][et_pb_column type=&#8221;1_2&#8243; module_class=&#8221;prime-accordion-right&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;_initial&#8221; animation_style=&#8221;slide&#8221; animation_direction=&#8221;right&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_accordion open_toggle_text_color=&#8221;#0057A8&#8243; module_class=&#8221;close-accordion&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; toggle_text_color=&#8221;#0057A8&#8243; hover_enabled=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;][et_pb_accordion_item title=&#8221;System failure&#8221; open=&#8221;on&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; hover_enabled=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;]<\/p>\n<p><span style=\"font-weight: 400;\">Coverage for income loss and extra expenses due to a system failure which causes interruption, suspension, or degradation in performance of the insured\u2019s or their service provider\u2019s computer system.<\/span><\/p>\n<p>[\/et_pb_accordion_item][et_pb_accordion_item title=&#8221;Bricking costs&#8221; open=&#8221;on&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; hover_enabled=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;]<\/p>\n<p><span style=\"font-weight: 400;\">Coverage for the reasonable and necessary costs to replace, remediate, or improve the insured\u2019s computer system as a direct result of a network security incident.<\/span><\/p>\n<p>[\/et_pb_accordion_item][et_pb_accordion_item title=&#8221;Extortion costs&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; hover_enabled=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221; open=&#8221;off&#8221; sticky_enabled=&#8221;0&#8243;]<\/p>\n<p><span style=\"font-weight: 400;\">Coverage for losses from a privacy incident or network security incident resulting from a credible threat or series of threats, such as a ransomware attack.<\/span><\/p>\n<p>[\/et_pb_accordion_item][et_pb_accordion_item title=&#8221;Business impersonation costs&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; hover_enabled=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221; open=&#8221;off&#8221; sticky_enabled=&#8221;0&#8243;]<\/p>\n<p><span style=\"font-weight: 400;\">Coverage for costs to inform potentially impacted individuals, vendors, or suppliers of any fraudulent communications from a third party designed to impersonate the insured.<\/span><\/p>\n<p>[\/et_pb_accordion_item][\/et_pb_accordion][et_pb_button button_url=&#8221;https:\/\/cowbell.insure\/au\/wp-content\/uploads\/sites\/17\/pdfs\/Cowbell-AU-Prime-One-112025.pdf&#8221; url_new_window=&#8221;on&#8221; button_text=&#8221;Download the brochure&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;69px|||||&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_button][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; custom_padding_last_edited=&#8221;on|desktop&#8221; admin_label=&#8221;Cowbell&#8221; module_class=&#8221;cowbell-prime-one-risk-sec&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;_initial&#8221; custom_padding=&#8221;142px|74px|156px|74px|false|true&#8221; custom_padding_tablet=&#8221;100px|50px|140px|50px|false|true&#8221; custom_padding_phone=&#8221;30px|30px|30px|30px|false|true&#8221; da_disable_devices=&#8221;off|off|off&#8221; global_colors_info=&#8221;{}&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221;][et_pb_row column_structure=&#8221;1_2,1_2&#8243; use_custom_gutter=&#8221;on&#8221; custom_padding_last_edited=&#8221;on|phone&#8221; module_class=&#8221;width1064&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;_initial&#8221; custom_padding=&#8221;0px|0px|0px|0px|true|true&#8221; custom_padding_tablet=&#8221;0px||0px||true|true&#8221; custom_padding_phone=&#8221;0px|0px|0px|0px|true|true&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_2&#8243; module_class=&#8221;cowbell-prime-risk-left&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;_initial&#8221; animation_style=&#8221;fade&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_heading title=&#8221;Cowbell:&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; title_level=&#8221;h2&#8243; custom_margin=&#8221;||0px||false|false&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_heading][et_pb_image src=&#8221;https:\/\/cowbell.insure\/au\/wp-content\/uploads\/sites\/17\/2025\/10\/COWB07-5260-BELL-REVEAL-e69b24.gif&#8221; title_text=&#8221;COWB07-5260-BELL-REVEAL-#e69b24&#8243; module_class=&#8221;animation-risk-gif&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;||0px||false|false&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][\/et_pb_column][et_pb_column type=&#8221;1_2&#8243; module_class=&#8221;cowbell-prime-risk-right&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;_initial&#8221; animation_style=&#8221;slide&#8221; animation_direction=&#8221;right&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;_initial&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><strong>Cowbell delivers cyber insurance that cuts through complexity and adapts as risks evolve<\/strong>. With streamlined quoting, expert guidance, and protection designed for the realities of today\u2019s threats, we make coverage easier to understand and more reliable when it matters most. The foundation of this approach is the Hum\u2014our constant, steady vigilance that leads to stronger businesses, trusted partnerships, and the quiet confidence to keep moving forward.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; admin_label=&#8221;Information text&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;_initial&#8221; da_disable_devices=&#8221;off|off|off&#8221; global_colors_info=&#8221;{}&#8221; da_is_popup=&#8221;off&#8221; da_exit_intent=&#8221;off&#8221; da_has_close=&#8221;on&#8221; da_alt_close=&#8221;off&#8221; da_dark_close=&#8221;off&#8221; da_not_modal=&#8221;on&#8221; da_is_singular=&#8221;off&#8221; da_with_loader=&#8221;off&#8221; da_has_shadow=&#8221;on&#8221;][et_pb_row custom_padding_last_edited=&#8221;on|phone&#8221; module_class=&#8221;width1064&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;_initial&#8221; custom_padding=&#8221;92px|0px|118px|0px|false|true&#8221; custom_padding_tablet=&#8221;70px||70px||true|true&#8221; custom_padding_phone=&#8221;30px|0px|30px|0px|true|true&#8221; animation_style=&#8221;fade&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;_initial&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text module_class=&#8221;link-color&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;_initial&#8221; text_font_size=&#8221;11px&#8221; text_line_height=&#8221;16px&#8221; custom_margin=&#8221;||0px||false|false&#8221; hover_enabled=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;]<\/p>\n<p>This overview is for general informational purposes only and does not constitute an offer of insurance. The coverages and examples described are illustrative and may not represent all possible scenarios. Availability, terms, limits, and conditions may vary and are subject to underwriting approval. References to third-party services are subject to their own terms and availability. Actual coverage is determined solely by the terms, conditions, and exclusions of the issued policy.<\/p>\n<p><span style=\"font-weight: 400;\">Cowbell Prime One is offered through Cowbell Insurance Solutions Pty Ltd. (\u201cCOWBELL\u00a0 AU\u201d) (ABN 52 684 362 552, AFSL 700075) as a delegated authority holder for <span>Zurich Australian Insurance Limited (ABN 13 000 296 640 and AFS Licence 232507) <\/span><\/span><span style=\"font-weight: 400;\">in entering into, varying, and cancelling policies and managing claims.<\/span><\/p>\n<p>[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Prime One is designed for small and medium-sized enterprises (SMEs) with annual turnover up to $100M. Cyber policies are written on Zurich Australian Insurance Ltd paper. Prime One keeps cyber insurance simple: clear, reliable protection for businesses and straightforward, efficient processes for brokers. This is the steady assurance organisations need to move forward with confidence. 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