When we discuss cyber insurance, the conversation almost instinctively defaults to compromised data, network outages, and privacy liabilities. However, for U.S. brokers advising the manufacturing, retail, and logistics sectors, that narrative is dangerously incomplete.
In these asset-heavy industries, the line between IT (Information Technology) and OT (Operational Technology) has vanished. Today, a cyber attack can easily cross into the physical realm. What happens when ransomware “bricks” essential industrial hardware on a factory floor? Or when a hacker breaches a building management system, overriding temperature controls and spoiling millions of dollars of perishable inventory? Traditional property policies increasingly contain broad cyber exclusions, leaving a massive coverage gap for physical perils triggered by digital events.
Needed Protection for Physical-Heavy Industries
Scaling our business means bringing meaningful solutions tailored for physical-heavy industries that operate incredibly complex supply chains and heavily automated facilities. To address these critical cyber exposures, we are introducing Prime One, Cowbell’s new U.S. cyber product designed for sophisticated risks. Built with updated policy wording and expanded protections for emerging threats, Prime One helps organizations navigate today’s evolving cyber risk landscape with greater confidence.
Bridging the Gap with Tangible Goods Loss Coverage
A key differentiator of Prime One is its explicit coverage for eligible tangible goods loss. Rather than relying on silent cyber coverage or hoping a legacy property policy responds, Prime One provides the structural clarity your clients need. Whether it is the cost to replace hardware permanently disabled by malware or the financial fallout from spoiled inventory due to a hacked environmental control system, Prime One is built to respond when digital threats have physical consequences.
Matthieu Chan Tsin, VP of Cybersecurity Services, highlights why this holistic approach is essential for the modern enterprise:
“As manufacturing and logistics companies increasingly rely on IoT devices and automated control systems, their attack surface expands dramatically. Threat actors know that disrupting OT environments creates immediate, tangible pain. Securing these environments requires robust network segmentation and proactive monitoring. But when preventative measures fail, organizations need a financial safety net that inherently understands the mechanics of an OT breach.”
Confidence in Your Protection
Your clients get coverage that is tuned to their actual risk profile, not generic industry categories. Prime One delivers the quiet assurance that comes from a policy designed to make businesses stronger.
Backed by Cowbell’s established in-house cyber claims expertise, we ensure that when physical assets are compromised, the recovery process is handled with specialized urgency. By introducing Prime One, we are giving national brokers the tools to provide definitive, comprehensive protection for the physical realities of modern cyber risk.
