{"id":5337,"date":"2020-09-02T14:50:48","date_gmt":"2020-09-02T21:50:48","guid":{"rendered":"https:\/\/cowbell.insure\/?page_id=5337"},"modified":"2025-10-24T06:01:56","modified_gmt":"2025-10-24T13:01:56","slug":"prime-100","status":"publish","type":"page","link":"https:\/\/cowbell.insure\/au\/prime-100\/","title":{"rendered":"Cowbell Prime 100"},"content":{"rendered":"<p>[et_pb_section fb_built=&#8221;1&#8243; admin_label=&#8221;Hero Cowbell Prime 100&#8243; module_class=&#8221;cowbell-prime-banner stop_bg_video_loop&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; background_enable_image=&#8221;off&#8221; background_video_mp4=&#8221;https:\/\/cowbell.insure\/au\/wp-content\/uploads\/sites\/17\/2025\/10\/3-CB-prime100-SIZED.mp4&#8243; 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; gutter_width=&#8221;1&#8243; custom_padding_last_edited=&#8221;on|phone&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;83px|0px|127px|0px|false|true&#8221; custom_padding_tablet=&#8221;70px||90px||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;cowbell-prime-banner-content&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_heading title=&#8221;Cowbell Prime 100 &#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; animation_direction=&#8221;left&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_heading][et_pb_heading title=&#8221;Admitted, standalone cyber insurance for businesses with up to $100M in revenue&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; title_level=&#8221;h4&#8243; animation_direction=&#8221;left&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_heading][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; animation_direction=&#8221;left&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Prime 100 is designed for small and medium-sized enterprises (SMEs) with up to $100M in revenue. It\u2019s the ideal solution for businesses buying cyber insurance for the first time or moving beyond bundled coverage in a Business Owner\u2019s Policy or packaged policy.<\/p>\n<p>[\/et_pb_text][\/et_pb_column][et_pb_column type=&#8221;1_2&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][\/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;What Prime 100 offers&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;87px|74px|68px|74px|false|true&#8221; custom_padding_tablet=&#8221;70px|50px|60px|50px|false|true&#8221; custom_padding_phone=&#8221;40px|30px|40px|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 custom_padding_last_edited=&#8221;on|phone&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#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;4_4&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_heading title=&#8221;What Prime 100 offers:&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; title_level=&#8221;h2&#8243; animation_style=&#8221;fade&#8221; animation_direction=&#8221;left&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_heading][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=&#8221;1_3,1_3,1_3&#8243; use_custom_gutter=&#8221;on&#8221; gutter_width=&#8221;4&#8243; module_class=&#8221;prime-offer-info&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;65px||0px||false|false&#8221; custom_padding_tablet=&#8221;50px|0px|0px|0px|false|false&#8221; custom_padding_phone=&#8221;30px|0px|0px|0px|false|false&#8221; animation_style=&#8221;fade&#8221; animation_direction=&#8221;right&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_blurb title=&#8221;Clarity that cuts through complexity&#8221; module_class=&#8221;prime-offer-block&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; header_font_size=&#8221;24px&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p>Policies address today\u2019s most common cyber incidents, from ransomware and phishing to business interruption and data compromise, explained in terms brokers can share with clients.<\/p>\n<p>[\/et_pb_blurb][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_blurb title=&#8221;Fast, flexible coverage&#8221; admin_label=&#8221;Blurb&#8221; module_class=&#8221;prime-offer-block&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]Agents can quote, bind, and issue customizable policies in less than five minutes, giving clients fast access to tailored protection.[\/et_pb_blurb][\/et_pb_column][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_blurb title=&#8221;Quiet confidence in protection&#8221; module_class=&#8221;prime-offer-block-last&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]With paper provided by Palomar Specialty Insurance Company (AM Best FS Rating of A (Excellent)), and backed by a panel of top global reinsurers, Prime 100 delivers the steady assurance businesses need to move forward with confidence.[\/et_pb_blurb][\/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;default&#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;default&#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&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_heading title=&#8221;Prime 100 is suitable for a range of businesses and sectors, 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;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<ul>\n<li>Accounting firms<\/li>\n<li>Contractors<\/li>\n<li>Dental offices<\/li>\n<li>Financial services<\/li>\n<li>Healthcare<\/li>\n<li>Hospitality<\/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;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<ul>\n<li>Insurance agencies <\/li>\n<li>Professional services<\/li>\n<li>Law firms <\/li>\n<li>Manufacturing<\/li>\n<li>Medical offices <\/li>\n<li>Nonprofits<\/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;default&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<ul>\n<li>Retailers<\/li>\n<li>Truckers<\/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;default&#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;default&#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; animation_delay=&#8221;250ms&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_column type=&#8221;4_4&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#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; animation_style=&#8221;fade&#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;#e69b24&#8243; custom_margin=&#8221;||20px||false|false&#8221; animation_style=&#8221;fade&#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;default&#8221; animation_style=&#8221;fade&#8221; global_colors_info=&#8221;{}&#8221;]<\/p>\n<p><strong>what actually happens in a cyber event<\/strong>, explained in clear, simple terms that brokers can share with clients. Every policy goes beyond insurance to deliver resilience that resonates: calm, effective protection that strengthens businesses before, during, and after an incident. Businesses benefit from:<\/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;default&#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; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; custom_padding=&#8221;0px|0px|135px|0px|false|true&#8221; custom_padding_tablet=&#8221;0px||100px||false|true&#8221; custom_padding_phone=&#8221;0px|0px|70px|0px|false|true&#8221; animation_style=&#8221;fade&#8221; hover_enabled=&#8221;0&#8243; global_colors_info=&#8221;{}&#8221; sticky_enabled=&#8221;0&#8243;][et_pb_column type=&#8221;1_3&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; animation_direction=&#8221;left&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_image src=&#8221;https:\/\/cowbell.insure\/au\/wp-content\/uploads\/sites\/17\/2025\/09\/design-coverage.jpg&#8221; alt=&#8221;design coverage&#8221; title_text=&#8221;design-coverage&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; custom_margin=&#8221;||0px||false|false&#8221; custom_margin_tablet=&#8221;||20px||false|false&#8221; custom_margin_phone=&#8221;||20px||false|false&#8221; custom_margin_last_edited=&#8221;on|desktop&#8221; animation_direction=&#8221;left&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_image][et_pb_video src=&#8221;https:\/\/cowbell.insure\/au\/wp-content\/uploads\/sites\/17\/2025\/10\/2-CB-daria-pimkina-tYaccl19A3Q-unsplash_v02-SIZED.psd-3.mp4&#8243; disabled_on=&#8221;on|on|on&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; disabled=&#8221;on&#8221; global_colors_info=&#8221;{}&#8221;][\/et_pb_video][\/et_pb_column][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;default&#8221; animation_direction=&#8221;right&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#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 defenses<\/p>\n<\/li>\n<li>\n<h5>Cowbell connectors:<\/h5>\n<p>Simple integrations with leading cloud and security providers that validate security practices\u2014working like a constant quiet hum in the background, always active, always reinforcing protection<\/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;default&#8221; animation_direction=&#8221;right&#8221; global_colors_info=&#8221;{}&#8221;][et_pb_text _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#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 programs that empower employees to identify threats before they turn into a cyber event*<\/li>\n<li>\n<h5>Cowbell resiliency services (CRS):<\/h5>\n<p>Practical tools and expert guidance to help businesses identify vulnerabilities, strengthen defenses, and recover faster<\/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<\/li>\n<ul>[\/et_pb_text][et_pb_text module_class=&#8221;support-mail&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#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 policy year. 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 100 coverages&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#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; animation_direction=&#8221;left&#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;prime-coverages-box&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#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;default&#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 100 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;default&#8221; text_orientation=&#8221;center&#8221; global_colors_info=&#8221;{}&#8221;]The portfolio of coverages in Cowbell Prime 100 is designed to address the diversity of cyber incidents and resulting damages that can impact businesses.[\/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;default&#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; module_class=&#8221;coverages-accordion width1064&#8243; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#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|70px|0px|false|true&#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;default&#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; global_colors_info=&#8221;{}&#8221;][et_pb_accordion_item title=&#8221;Security breach expense &#8221; open=&#8221;on&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]Coverage for losses and expenses directly associated with recovery activities in the aftermath of a cyber incident. This can include investigation and forensic services, notification to customers, call center services, overtime salaries, post-event monitoring services such as credit monitoring for impacted customers, and more.[\/et_pb_accordion_item][et_pb_accordion_item title=&#8221;Security breach liability&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; open=&#8221;off&#8221;]Coverage for third-party liability directly due to a cyber incident where the insured has become legally obligated to pay. This includes defense expenses, compensatory damages, settlement amounts, and fines or penalties assessed against the insured by a regulatory agency or government entity, or for non-compliance with the Payment Card Industry Data Security Standards.[\/et_pb_accordion_item][et_pb_accordion_item title=&#8221;Extortion Threats&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; open=&#8221;off&#8221;]Coverage for loss resulting from an extortion threat that is discovered during the policy period. This can include the fees associated with hiring approved firms and resources that determine the validity and severity of the threat, interest costs associated with borrowing for the ransom demand, a reward payment that leads to conviction and arrest of the party responsible, the ransom payment, and other reasonable expenses.[\/et_pb_accordion_item][et_pb_accordion_item title=&#8221;Hardware Replacement Costs&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; open=&#8221;off&#8221;]Coverage for the cost to replace computers or any associated devices or equipment operated by the insured that are unable to function as intended due to corruption or destruction of software or firmware, resulting from a cyber incident.[\/et_pb_accordion_item][et_pb_accordion_item title=&#8221;Telecommunications Fraud&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; open=&#8221;off&#8221;]Coverage for the cost of unauthorized calls or unauthorized use of the insured\u2019s telephone system\u2019s bandwidth, including but not limited to phone bills.[\/et_pb_accordion_item][et_pb_accordion_item title=&#8221;Ransom Payments&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; open=&#8221;off&#8221;]Coverage for the reimbursement of the monetary value of any ransom payment made by the insured to a third party in response to a ransom demand to resolve an extortion threat.[\/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;default&#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; global_colors_info=&#8221;{}&#8221;][et_pb_accordion_item title=&#8221;Social Engineering&#8221; open=&#8221;on&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221;]Coverage for a loss resulting from a social engineering incident where the insured is intentionally misled to transfer money to a person, place, or account directly from good faith reliance upon an instruction transmitted via mail by an imposter. A documented verification procedure requirement must be completed for coverage to be provided.[\/et_pb_accordion_item][et_pb_accordion_item title=&#8221;Restoration of Electronic Data&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; open=&#8221;off&#8221;]Coverage for the costs to replace or restore electronic data or computer programs in the aftermath of an incident. This can also include the cost of data entry, reprogramming, and computer consultation services to restore lost assets.[\/et_pb_accordion_item][et_pb_accordion_item title=&#8221;Public Relations Expense&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; open=&#8221;off&#8221;]Coverage for the fees and costs to restore reputation in response to negative publicity following a cyber incident or a security breach. This includes, for example, the fees associated with the hiring of a public relations firm to handle external communications related to the breach.[\/et_pb_accordion_item][et_pb_accordion_item title=&#8221;Business Income &#038; Extra Expense&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; open=&#8221;off&#8221;]Coverage for the losses and costs associated with the inability to conduct business due to a cyber incident or an extortion threat. Business income includes net income that would have been earned or incurred. Note that business interruptions due to a system failure or voluntary shutdown are not covered.[\/et_pb_accordion_item][et_pb_accordion_item title=&#8221;Website Media Liability&#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>Coverage for the income loss and extra expenses incurred due to a system failure* which causes the actual and measurable interruption, suspension, failure, degradation, or delay in performance of a service provider\u2019s computer system. <em>*see policy wording<\/em><\/p>\n<p>[\/et_pb_accordion_item][et_pb_accordion_item title=&#8221;Computer &#038; Funds Transfer Fraud&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#8221; global_colors_info=&#8221;{}&#8221; open=&#8221;off&#8221;]Coverage for the losses due to a fraudulent computer operation that causes money (or other property) to be transferred from an insured\u2019s account. This also covers losses incurred by a fraudulent instruction directing a financial institution to debit money from the insured\u2019s transfer account.[\/et_pb_accordion_item][et_pb_accordion_item title=&#8221;Cowbell: The Sound Approach to Risk&#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>Cowbell delivers cyber insurance that cuts through complexity and adapts as risks evolve. 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. <strong>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.<\/strong><\/p>\n<p>[\/et_pb_accordion_item][\/et_pb_accordion][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=&#8221;1&#8243; admin_label=&#8221;Cowbell&#8221; module_class=&#8221;cowbell-prime-risk-sec&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#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;60px|30px|60px|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;default&#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_2&#8243; module_class=&#8221;cowbell-prime-risk-left&#8221; _builder_version=&#8221;4.27.4&#8243; _module_preset=&#8221;default&#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; disabled_on=&#8221;off|off|off&#8221; 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;default&#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;default&#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;default&#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;default&#8221; custom_padding=&#8221;92px|0px|118px|0px|false|true&#8221; custom_padding_tablet=&#8221;70px||70px||true|true&#8221; custom_padding_phone=&#8221;70px||70px||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;default&#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;default&#8221; text_font_size=&#8221;11px&#8221; text_line_height=&#8221;16px&#8221; custom_margin=&#8221;||0px||false|false&#8221; global_colors_info=&#8221;{}&#8221;]This document is for general informational purposes only and does not constitute an offer of insurance. The coverages, examples, and scenarios described are illustrative and do not represent all possible outcomes. Actual coverage, terms, conditions, limits, and availability may vary by state and are subject to underwriting approval. Prime 100 is offered on an admitted basis with paper provided by Palomar Specialty Insurance Company; all coverage is subject to their terms and conditions. References to third-party service providers, including Wizer training, are subject to their own terms, conditions, and availability. Cowbell does not warrant or guarantee the services of any third-party provider. Coverage is determined solely by the specific terms, conditions, limitations, and exclusions of the issued policy. Please refer to your policy for complete details. \u00a92025 Cowbell Cyber, Inc. All Rights Reserved. Cowbell Insurance Agency LLC, State Licenses: <a href=\"https:\/\/cowbell.insure\/au\/state-licenses\/\">https:\/\/cowbell.insure\/state-licenses\/<\/a>.[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":"<p>A standalone, admitted cyber insurance program for businesses with up to $100M in revenue.<\/p>\n","protected":false},"author":6,"featured_media":0,"parent":0,"menu_order":57,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"_et_pb_use_builder":"on","_et_pb_old_content":"","_et_gb_content_width":"","om_disable_all_campaigns":false,"footnotes":""},"class_list":["post-5337","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.2 (Yoast SEO v27.2) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Cowbell Prime 100 - Cowbell AUS<\/title>\n<meta name=\"description\" content=\"Standalone, admitted cyber coverage for small and medium-sized enterprises. Build cyber resiliency with financial protection against threats!\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/cowbell.insure\/au\/prime-100\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Cowbell Prime 100\" \/>\n<meta property=\"og:description\" content=\"Standalone, admitted cyber coverage for small and medium-sized enterprises. 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