[et_pb_section fb_built=”1″ custom_padding_last_edited=”on|desktop” admin_label=”Hero Prime 250 ” module_class=”prime250-banner” _builder_version=”4.27.4″ _module_preset=”default” custom_padding=”0px|0px|0px|0px|true|true” custom_padding_tablet=”|0px||0px|true|true” custom_padding_phone=”0px|0px|0px|0px|true|true” da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row column_structure=”1_2,1_2″ use_custom_gutter=”on” make_equal=”on” custom_padding_last_edited=”on|phone” module_class=”prime250-content” _builder_version=”4.27.4″ _module_preset=”default” custom_padding=”0px|0px|0px|0px|true|true” custom_padding_tablet=”0px||0px||true|true” custom_padding_phone=”0px|0px|0px|0px|true|true” module_alignment_tablet=”” module_alignment_phone=”” module_alignment_last_edited=”on|desktop” global_colors_info=”{}”][et_pb_column type=”1_2″ module_class=”prime250-banner-left” _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_image src=”https:\/\/cowbell.insure\/au\/wp-content\/uploads\/sites\/17\/2025\/10\/9ffd5167-986d-4d72-9d54-622d5aa28314.png” title_text=”9ffd5167-986d-4d72-9d54-622d5aa28314″ _builder_version=”4.27.4″ _module_preset=”default” hover_enabled=”0″ global_colors_info=”{}” sticky_enabled=”0″][\/et_pb_image][\/et_pb_column][et_pb_column type=”1_2″ module_class=”prime250-banner-right” _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”][et_pb_heading title=”Cowbell Prime 250″ _builder_version=”4.27.4″ _module_preset=”default” custom_margin=”||0px||false|false” global_colors_info=”{}”][\/et_pb_heading][et_pb_heading title=”Non-admitted, standalone cyber insurance for middle market risks” _builder_version=”4.27.4″ _module_preset=”default” title_level=”h4″ custom_margin=”||0px||false|false” global_colors_info=”{}”][\/et_pb_heading][et_pb_text _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”]Prime 250 is designed for businesses with $100M to $1B in revenue. It is the go-to solution for growing enterprises that need broader coverage limits, flexible options, and protection that keeps pace with more complex operations.[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ custom_padding_last_edited=”on|desktop” admin_label=”What Prime 250 offers:” _builder_version=”4.27.4″ _module_preset=”0f402428-73ef-49e7-b5aa-c316d582be9f” custom_padding=”87px|74px|68px|74px|false|true” custom_padding_tablet=”70px|50px|60px|50px|false|true” custom_padding_phone=”40px|30px|40px|30px|false|true” da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row custom_padding_last_edited=”on|phone” _builder_version=”4.27.4″ _module_preset=”304d496c-51d9-4b22-a55e-ab77162176cd” custom_padding=”0px|0px|0px|0px|true|true” custom_padding_tablet=”0px||0px||true|true” custom_padding_phone=”0px|0px|0px|0px|true|true” animation_style=”fade” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.27.4″ _module_preset=”e50a4261-7fca-48de-9cf8-3b03dc46b3d0″ global_colors_info=”{}”][et_pb_heading title=”What Prime 250 offers:” _builder_version=”4.27.4″ _module_preset=”default” title_level=”h2″ global_colors_info=”{}”][\/et_pb_heading][\/et_pb_column][\/et_pb_row][et_pb_row column_structure=”1_3,1_3,1_3″ use_custom_gutter=”on” gutter_width=”4″ module_class=”prime-offer-info” _builder_version=”4.27.4″ _module_preset=”304d496c-51d9-4b22-a55e-ab77162176cd” custom_padding=”65px||0px||false|false” custom_padding_tablet=”50px|0px|0px|0px|false|false” custom_padding_phone=”30px|0px|0px|0px|false|false” animation_style=”fade” animation_delay=”200ms” global_colors_info=”{}”][et_pb_column type=”1_3″ _builder_version=”4.27.4″ _module_preset=”e50a4261-7fca-48de-9cf8-3b03dc46b3d0″ global_colors_info=”{}”][et_pb_blurb title=”Broader, adaptable coverage” module_class=”prime-offer-block” _builder_version=”4.27.4″ _module_preset=”5cf00392-9983-4db8-95f4-f84d73e16a76″ header_font_size=”24px” global_colors_info=”{}”]Prime 250 covers a wide range of incidents beyond data breaches, including ransomware, extortion, and business interruption events. It provides protection that evolves with risk and delivers the steady assurance businesses need to focus on growth.[\/et_pb_blurb][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.27.4″ _module_preset=”e50a4261-7fca-48de-9cf8-3b03dc46b3d0″ global_colors_info=”{}”][et_pb_blurb title=”Efficient and customizable protection” admin_label=”Blurb” module_class=”prime-offer-block” _builder_version=”4.27.4″ _module_preset=”5cf00392-9983-4db8-95f4-f84d73e16a76″ global_colors_info=”{}”]Agents can tailor coverage to a client\u2019s unique risk profile, ensuring protection fits the business rather than the other way around.[\/et_pb_blurb][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.27.4″ _module_preset=”e50a4261-7fca-48de-9cf8-3b03dc46b3d0″ global_colors_info=”{}”][et_pb_blurb title=”Confidence at scale” module_class=”prime-offer-block-last” _builder_version=”4.27.4″ _module_preset=”5cf00392-9983-4db8-95f4-f84d73e16a76″ global_colors_info=”{}”]With paper provided by Palomar Specialty Insurance Company & Chaucer Insurance Company (AM Best FS Rating of A (Excellent)), and backed by leading global reinsurers, Prime 250 delivers financial strength and quiet confidence clients can rely on when it matters most.[\/et_pb_blurb][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ admin_label=”Prime 100 is suitable for a range of businesses and sectors, including” module_class=”suitable-range-point-sec” _builder_version=”4.27.4″ _module_preset=”0f402428-73ef-49e7-b5aa-c316d582be9f” custom_padding=”40px|74px|38px|74px|false|true” custom_padding_tablet=”40px|50px|38px|50px|false|true” custom_padding_phone=”40px|30px|38px|30px|false|true” da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row column_structure=”1_4,1_4,1_4,1_4″ use_custom_gutter=”on” gutter_width=”1″ custom_padding_last_edited=”on|phone” module_class=”globle-point-list suitable-range-point suitable-range-point-250″ _builder_version=”4.27.4″ _module_preset=”304d496c-51d9-4b22-a55e-ab77162176cd” custom_padding=”0px|0px|0px|0px|true|true” custom_padding_tablet=”0px||0px||true|true” custom_padding_phone=”0px|0px|0px|0px|true|true” animation_style=”fade” global_colors_info=”{}”][et_pb_column type=”1_4″ module_class=”range-column-1″ _builder_version=”4.27.4″ _module_preset=”e50a4261-7fca-48de-9cf8-3b03dc46b3d0″ global_colors_info=”{}”][et_pb_heading title=”Prime 250 is suitable for a range of businesses and sectors, including:” _builder_version=”4.27.4″ _module_preset=”default” title_level=”h4″ global_colors_info=”{}”][\/et_pb_heading][\/et_pb_column][et_pb_column type=”1_4″ module_class=”range-column-2″ _builder_version=”4.27.4″ _module_preset=”e50a4261-7fca-48de-9cf8-3b03dc46b3d0″ global_colors_info=”{}”][et_pb_text _builder_version=”4.27.4″ _module_preset=”1f54e7ce-0cd5-4039-a342-4b99549e4491″ global_colors_info=”{}”]<\/p>\n
[\/et_pb_text][\/et_pb_column][et_pb_column type=”1_4″ module_class=”range-column-3″ _builder_version=”4.27.4″ _module_preset=”e50a4261-7fca-48de-9cf8-3b03dc46b3d0″ global_colors_info=”{}”][et_pb_text _builder_version=”4.27.4″ _module_preset=”1f54e7ce-0cd5-4039-a342-4b99549e4491″ global_colors_info=”{}”]<\/p>\n
[\/et_pb_text][\/et_pb_column][et_pb_column type=”1_4″ module_class=”range-column-4″ _builder_version=”4.27.4″ _module_preset=”e50a4261-7fca-48de-9cf8-3b03dc46b3d0″ global_colors_info=”{}”][et_pb_text _builder_version=”4.27.4″ _module_preset=”1f54e7ce-0cd5-4039-a342-4b99549e4491″ global_colors_info=”{}”]<\/p>\n
[\/et_pb_text][et_pb_text module_class=”available-status-info” _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”]Available in 50 states and D.C. on surplus papers. Standalone cyber insurance is available nationwide on a surplus or excess basis.[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ admin_label=”The Cowbell advantage” _builder_version=”4.27.4″ _module_preset=”0f402428-73ef-49e7-b5aa-c316d582be9f” da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row custom_padding_last_edited=”on|phone” module_class=”prime-advantage-heading” _builder_version=”4.27.4″ _module_preset=”304d496c-51d9-4b22-a55e-ab77162176cd” custom_padding=”90px|0px|95px|0px|false|true” custom_padding_tablet=”90px|0px|40px|0px|false|true” custom_padding_phone=”90px|0px|30px|0px|false|true” animation_style=”fade” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.27.4″ _module_preset=”e50a4261-7fca-48de-9cf8-3b03dc46b3d0″ global_colors_info=”{}”][et_pb_heading title=”The Cowbell advantage” _builder_version=”4.27.4″ _module_preset=”default” title_level=”h5″ custom_margin=”||0px||false|false” custom_margin_tablet=”||0px||false|false” custom_margin_phone=”||0px||false|false” custom_margin_last_edited=”on|desktop” custom_padding=”||80px||false|false” custom_padding_tablet=”||60px||false|false” custom_padding_phone=”||30px||false|false” custom_padding_last_edited=”on|phone” global_colors_info=”{}”][\/et_pb_heading][et_pb_heading title=”We design coverage around…” _builder_version=”4.27.4″ _module_preset=”default” title_level=”h2″ title_text_color=”#81d4ff” custom_margin=”||20px||false|false” global_colors_info=”{}”][\/et_pb_heading][et_pb_text module_class=”design-coverage-info” _builder_version=”4.27.4″ _module_preset=”1f54e7ce-0cd5-4039-a342-4b99549e4491″ global_colors_info=”{}”]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:[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ admin_label=”We design coverage around three block” module_class=”coverage-around-three-section” _builder_version=”4.27.4″ _module_preset=”0f402428-73ef-49e7-b5aa-c316d582be9f” custom_padding=”0px|0px|0px|0px|true|true” custom_padding_tablet=”0px|0px|0px|0px|true|true” custom_padding_phone=”0px|0px|0px|0px|true|true” da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row column_structure=”1_3,1_3,1_3″ use_custom_gutter=”on” gutter_width=”1″ custom_padding_last_edited=”on|phone” module_class=”prime-250-coverage ” _builder_version=”4.27.4″ _module_preset=”304d496c-51d9-4b22-a55e-ab77162176cd” custom_padding=”0px|0px|135px|0px|false|true” custom_padding_tablet=”0px||100px||false|true” custom_padding_phone=”0px|0px|50px|0px|false|true” animation_style=”fade” animation_delay=”300ms” global_colors_info=”{}”][et_pb_column type=”1_3″ module_class=”coverage-middle-block” _builder_version=”4.27.4″ _module_preset=”e50a4261-7fca-48de-9cf8-3b03dc46b3d0″ global_colors_info=”{}”][et_pb_text _builder_version=”4.27.4″ _module_preset=”1f54e7ce-0cd5-4039-a342-4b99549e4491″ header_font=”|700|||||||” header_5_font=”–et_global_body_font|600|||||||” custom_margin=”||20px||false|false” custom_margin_tablet=”||0px||false|false” custom_margin_phone=”||0px||false|false” custom_margin_last_edited=”on|phone” global_colors_info=”{}”]<\/p>\n Easy-to-understand risk ratings that reveal vulnerabilities clearly<\/p>\n<\/li>\n Practical, actionable guidance to strengthen defenses<\/p>\n<\/li>\n 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 Activate a connector, and become eligible for a 5% premium credit*<\/p>\n<\/li>\n<\/ul>\n [\/et_pb_text][et_pb_text module_class=”support-mail” _builder_version=”4.27.4″ _module_preset=”1f54e7ce-0cd5-4039-a342-4b99549e4491″ text_font_size=”12px” text_line_height=”16px” header_font=”|700|||||||” custom_margin=”||0px||false|false” custom_padding=”|||14px|false|false” global_colors_info=”{}”]*for Prime 250 policyholders only.[\/et_pb_text][\/et_pb_column][et_pb_column type=”1_3″ module_class=”coverage-right-block” _builder_version=”4.27.4″ _module_preset=”e50a4261-7fca-48de-9cf8-3b03dc46b3d0″ global_colors_info=”{}”][et_pb_text _builder_version=”4.27.4″ _module_preset=”1f54e7ce-0cd5-4039-a342-4b99549e4491″ header_font=”|700|||||||” header_5_font=”–et_global_body_font|600|||||||” custom_margin=”||20px||false|false” global_colors_info=”{}”]<\/p>\n Complimentary, easy-to-administer training programs that empower employees to identify threats before they turn into a cyber event*<\/li>\n Practical tools and expert guidance to help businesses identify vulnerabilities, strengthen defenses, and recover faster<\/li>\n 24\/7 in-house specialists who lead with empathy, guide recovery, and provide peace of mind when it matters most<\/li>\n *Cybersecurity awareness training offered through Wizer. Policyholders get unlimited seats at no additional cost for the first policy year. Email us at cybersecurity@cowbellcyber.ai<\/a> to learn more.<\/p>\n [\/et_pb_text][\/et_pb_column][et_pb_column type=”1_3″ _builder_version=”4.27.4″ _module_preset=”e50a4261-7fca-48de-9cf8-3b03dc46b3d0″ global_colors_info=”{}”][et_pb_image src=”https:\/\/cowbell.insure\/au\/wp-content\/uploads\/sites\/17\/2025\/10\/prime-250-advantage.jpg” alt=”design coverage” title_text=”prime-250-advantage” align=”right” align_tablet=”left” align_phone=”left” align_last_edited=”on|tablet” _builder_version=”4.27.4″ _module_preset=”default” custom_margin=”10px||0px||false|false” custom_margin_tablet=”||20px||false|false” custom_margin_phone=”20px||0px||false|false” custom_margin_last_edited=”on|phone” global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ admin_label=”Prime 100 coverages” _builder_version=”4.27.4″ _module_preset=”0f402428-73ef-49e7-b5aa-c316d582be9f” background_image=”https:\/\/cowbell.insure\/au\/wp-content\/uploads\/sites\/17\/2025\/09\/prime-coverages.jpg” custom_padding=”90px|74px|90px|74px|true|true” custom_padding_tablet=”70px|50px|70px|50px|true|true” custom_padding_phone=”30px|30px|30px|30px|true|true” da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row module_class=”prime-coverages-box” _builder_version=”4.27.4″ _module_preset=”304d496c-51d9-4b22-a55e-ab77162176cd” custom_padding=”40px|115px|72px|115px|false|true” custom_padding_tablet=”40px|50px|60px|50px|false|true” custom_padding_phone=”30px|20px|30px|20px|true|true” animation_style=”slide” animation_direction=”left” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.27.4″ _module_preset=”e50a4261-7fca-48de-9cf8-3b03dc46b3d0″ global_colors_info=”{}”][et_pb_image src=”https:\/\/cowbell.insure\/au\/wp-content\/uploads\/sites\/17\/2025\/09\/Protection@3x.png” title_text=”Protection@3x” align=”center” _builder_version=”4.27.4″ _module_preset=”default” custom_margin=”||30px||false|false” global_colors_info=”{}”][\/et_pb_image][et_pb_heading title=”Prime 250 coverages” _builder_version=”4.27.4″ _module_preset=”default” title_level=”h2″ title_text_align=”center” custom_margin=”||15px||false|false” global_colors_info=”{}”][\/et_pb_heading][et_pb_text _builder_version=”4.27.4″ _module_preset=”1f54e7ce-0cd5-4039-a342-4b99549e4491″ text_orientation=”center” global_colors_info=”{}”]Prime 250 coverages are designed to address the diversity of cyber incidents and damages that impact businesses. The list below isn\u2019t exhaustive, but includes the most commonly selected coverages.[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ admin_label=”Accordion” _builder_version=”4.27.4″ _module_preset=”0f402428-73ef-49e7-b5aa-c316d582be9f” da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row column_structure=”1_2,1_2″ custom_padding_last_edited=”on|phone” module_class=”coverages-accordion width1064″ _builder_version=”4.27.4″ _module_preset=”304d496c-51d9-4b22-a55e-ab77162176cd” custom_padding=”85px|0px|157px|0px|false|true” custom_padding_tablet=”70px||100px||false|true” custom_padding_phone=”40px|0px|70px|0px|false|true” global_colors_info=”{}”][et_pb_column type=”1_2″ module_class=”prime-accordion-left” _builder_version=”4.27.4″ _module_preset=”e50a4261-7fca-48de-9cf8-3b03dc46b3d0″ animation_style=”slide” animation_direction=”left” global_colors_info=”{}”][et_pb_accordion open_toggle_text_color=”#0057A8″ _builder_version=”4.27.4″ _module_preset=”default” toggle_text_color=”#0057A8″ custom_margin=”||||false|false” global_colors_info=”{}”][et_pb_accordion_item title=”Liability costs ” open=”on” _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”]Coverage for (1) defense expenses, (2) monetary damages the insured becomes legally obligated to pay, including pre-judgment interest, post-judgment interest, judgments, or settlements; and (3) punitive, exemplary, or multiplied damages, but only to the extent the damages are insurable under the applicable law most favorable to the insurability of such damages.[\/et_pb_accordion_item][et_pb_accordion_item title=”Business Interruption Loss” _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}” open=”off”]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 minimize, avoid, or reduce further damage as a result of a covered incident.[\/et_pb_accordion_item][et_pb_accordion_item title=”Extortion Costs” _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}” open=”off”]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. This can include expenses to investigate the cause of an extortion threat and the payment amounts, including the actual costs to execute such payment (whether in digital or traditional currency).[\/et_pb_accordion_item][et_pb_accordion_item title=”Cyber crime loss ” _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}” open=”off”]Coverage for loss of money or digital currency directly resulting from: (1) social engineering, (2) reverse social engineering, and\/or (3) fraudulent transfer of funds. It also covers telecommunications charges incurred by the insured as a result of a telecommunications hack.[\/et_pb_accordion_item][et_pb_accordion_item title=”Data restoration” _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}” open=”off”]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. If such data cannot be replaced, restored, recreated, or recovered, then data restoration coverage is limited to the costs associated with that determination.[\/et_pb_accordion_item][et_pb_accordion_item title=”Contractual damages” _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}” open=”off”]Provides a carve back to the breach of contract exclusion to cover contractual damages (for manufacturing risks only).[\/et_pb_accordion_item][et_pb_accordion_item title=”Bricking cost ” _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}” open=”off”]Coverage for the reasonable and necessary costs, subject to the insurer\u2019s prior consent, to replace, remediate, or improve the insured\u2019s computer system. Costs must be incurred as a direct result of a network security incident.[\/et_pb_accordion_item][\/et_pb_accordion][\/et_pb_column][et_pb_column type=”1_2″ module_class=”prime-accordion-right” _builder_version=”4.27.4″ _module_preset=”e50a4261-7fca-48de-9cf8-3b03dc46b3d0″ animation_style=”slide” animation_direction=”right” global_colors_info=”{}”][et_pb_accordion open_toggle_text_color=”#0057A8″ module_class=”close-accordion” _builder_version=”4.27.4″ _module_preset=”default” toggle_text_color=”#0057A8″ global_colors_info=”{}”][et_pb_accordion_item title=”System failure” open=”on” _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}”]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 the insured\u2019s computer system. *see policy wording[\/et_pb_accordion_item][et_pb_accordion_item title=”Missed bid” _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}” open=”off”]Coverage for the net profit or net loss before taxes and interest that the insured could have reasonably earned or net loss that the insured could have reasonably avoided due to a missed bid or request for proposal (RFP), and the costs of retaining a forensic accountant to determine such amount (for construction risks only).[\/et_pb_accordion_item][et_pb_accordion_item title=”Reputational harm expense ” _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}” open=”off”]Coverage for income loss during a period of indemnity that directly results from a communication via any medium specifically arising from an actual or alleged incident that threatens to, or actually does, negatively harm the insured\u2019s reputation.[\/et_pb_accordion_item][et_pb_accordion_item title=”Utility fraud attack” _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}” open=”off”]Coverage for additional costs incurred due to an unauthorized third party using the insured organization\u2019s natural gas, oil, or internet, through manipulation or deception. [\/et_pb_accordion_item][et_pb_accordion_item title=”Media liability” _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}” open=”off”]Coverage for liability costs associated with intellectual property infringement, other than patent infringement, resulting from the advertising of an insured\u2019s services. This also applies to print advertising and social media. [\/et_pb_accordion_item][et_pb_accordion_item title=”Cryptojacking ” _builder_version=”4.27.4″ _module_preset=”default” global_colors_info=”{}” open=”off”]Coverage for the financial loss resulting from the unauthorized access or unauthorized use of computer systems to mine for digital currency that directly results in the insured organization incurring additional costs for computing resources.[\/et_pb_accordion_item][\/et_pb_accordion][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ admin_label=”Cowbell” module_class=”cowbell-prime-250-risk-sec” _builder_version=”4.27.4″ _module_preset=”0f402428-73ef-49e7-b5aa-c316d582be9f” custom_padding=”142px|74px|156px|74px|false|true” custom_padding_tablet=”100px|50px|140px|50px|false|true” custom_padding_phone=”60px|30px|60px|30px|false|true” da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row column_structure=”1_2,1_2″ use_custom_gutter=”on” custom_padding_last_edited=”on|phone” module_class=”width1064″ _builder_version=”4.27.4″ _module_preset=”304d496c-51d9-4b22-a55e-ab77162176cd” custom_padding=”0px|0px|0px|0px|true|true” custom_padding_tablet=”0px||0px||true|true” custom_padding_phone=”0px|0px|0px|0px|true|true” global_colors_info=”{}”][et_pb_column type=”1_2″ module_class=”cowbell-prime-risk-left” _builder_version=”4.27.4″ _module_preset=”e50a4261-7fca-48de-9cf8-3b03dc46b3d0″ animation_style=”fade” global_colors_info=”{}”][et_pb_heading title=”Cowbell:” _builder_version=”4.27.4″ _module_preset=”default” title_level=”h2″ custom_margin=”||0px||false|false” global_colors_info=”{}”][\/et_pb_heading][et_pb_image src=”https:\/\/cowbell.insure\/au\/wp-content\/uploads\/sites\/17\/2025\/10\/COWB07-5260-BELL-REVEAL-81d4ff.gif” title_text=”COWB07-5260-BELL-REVEAL-#81d4ff” module_class=”animation-risk-gif” _builder_version=”4.27.4″ _module_preset=”default” custom_margin=”||0px||false|false” global_colors_info=”{}”][\/et_pb_image][\/et_pb_column][et_pb_column type=”1_2″ module_class=”cowbell-prime-risk-right” _builder_version=”4.27.4″ _module_preset=”e50a4261-7fca-48de-9cf8-3b03dc46b3d0″ animation_style=”slide” animation_direction=”right” global_colors_info=”{}”][et_pb_text _builder_version=”4.27.4″ _module_preset=”1f54e7ce-0cd5-4039-a342-4b99549e4491″ animation_direction=”right” global_colors_info=”{}”]<\/p>\n 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 [\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section][et_pb_section fb_built=”1″ admin_label=”Information text” _builder_version=”4.27.4″ _module_preset=”0f402428-73ef-49e7-b5aa-c316d582be9f” da_disable_devices=”off|off|off” global_colors_info=”{}” da_is_popup=”off” da_exit_intent=”off” da_has_close=”on” da_alt_close=”off” da_dark_close=”off” da_not_modal=”on” da_is_singular=”off” da_with_loader=”off” da_has_shadow=”on”][et_pb_row custom_padding_last_edited=”on|phone” module_class=”width1064″ _builder_version=”4.27.4″ _module_preset=”304d496c-51d9-4b22-a55e-ab77162176cd” custom_padding=”92px|0px|118px|0px|false|true” custom_padding_tablet=”70px||70px||true|true” custom_padding_phone=”70px||70px||true|true” animation_style=”fade” global_colors_info=”{}”][et_pb_column type=”4_4″ _builder_version=”4.27.4″ _module_preset=”e50a4261-7fca-48de-9cf8-3b03dc46b3d0″ global_colors_info=”{}”][et_pb_text module_class=”link-color” _builder_version=”4.27.4″ _module_preset=”1f54e7ce-0cd5-4039-a342-4b99549e4491″ text_font_size=”11px” text_line_height=”16px” custom_margin=”||0px||false|false” global_colors_info=”{}”]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: https:\/\/cowbell.insure\/state-licenses\/<\/a>.[\/et_pb_text][\/et_pb_column][\/et_pb_row][\/et_pb_section]<\/p>\n","protected":false},"excerpt":{"rendered":" A complete portfolio of admitted or surplus-based, easy-to-understand cyber coverages written on the industry\u2019s most robust forms, for businesses with up to $250M in revenue.<\/p>\n","protected":false},"author":6,"featured_media":0,"parent":0,"menu_order":56,"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-5370","page","type-page","status-publish","hentry"],"acf":[],"yoast_head":"\n\n
Cowbell factors\u2122:<\/h5>\n
Cowbell insights:<\/h5>\n
Cowbell connectors:<\/h5>\n
Optimize your premium:<\/h5>\n
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Cybersecurity awareness training:<\/h5>\n
Cowbell resiliency services (CRS):<\/h5>\n
Expert claims support: <\/h5>\n
[\/et_pb_text][et_pb_text module_class=”support-mail” _builder_version=”4.27.4″ _module_preset=”1f54e7ce-0cd5-4039-a342-4b99549e4491″ text_font_size=”12px” text_line_height=”16px” header_font=”|700|||||||” custom_margin=”||0px||false|false” global_colors_info=”{}”]<\/p>\n