For modern enterprises, data collection is the engine of efficiency. From fingerprint scanners replacing traditional time clocks to facial recognition software enhancing security, the use of biometric data is everywhere. However, this technological leap has created a massive, highly legal-sensitive privacy minefield.
Strict privacy regulations, most notably the Illinois Biometric Information Privacy Act (BIPA), have empowered consumers and employees to file massive class-action lawsuits over the wrongful collection and storage of biometric data. For U.S. brokers placing coverage for large employers or tech-forward companies, the conversation around data privacy can no longer be limited to external data breaches; it must address the internal, operational risks of data collection itself.
Compounded Risks in the Mid-Market
Building on our current success in protecting the SME market, we understand that scaling into the mid-market means confronting compounded regulatory exposures. Organizations in the $250M+ revenue band often employ massive workforces across multiple state lines, exponentially increasing their footprint for wrongful collection claims.
When digital vulnerability increases, enterprise risk managers need a partner that brings clarity to complex regulatory landscapes. Expanding our footprint into this larger segment means we must offer solutions that explicitly meet these complex enterprise needs without relying on ambiguous policy interpretations.
Introducing Prime One: Clarity for Complex Privacy Risks
To provide definitive protection for the modern enterprise, we are introducing Prime One, Cowbell’s new U.S. cyber product designed specifically for larger and more complex risks. While our Prime 250 product remains active and available for surplus lines accounts under $250M in revenue, Prime One is positioned as our most advanced offering for the $250M+ segment.
A key feature of Prime One’s modernized policy language is improved structural clarity around privacy regulations, including full coverage for wrongful collection, and specific sublimits available for BIPA-related losses. We are removing the guesswork so brokers can show their clients exactly how they are protected against BIPA-style class actions. Your clients get coverage that is tuned to their actual risk profile, ensuring they aren’t caught off guard by the nuances of biometric data laws.
Securing Enterprise Data Platforms
Rajeev Gupta, Co-founder and Chief Product Officer, emphasizes that mitigating this risk requires both strong policy wording and secure data management:
“As enterprises adopt biometric tools at scale, the sheer volume of sensitive data they collect becomes a massive liability if not managed correctly. Ensuring compliance with frameworks like BIPA requires deep visibility into how data is stored, encrypted, and ultimately destroyed. By explicitly addressing wrongful collection in Prime One, we are aligning our financial protection with the secure data management practices that large platforms must adopt.”
Recover with Confidence
Navigating a massive privacy lawsuit requires speed, specialized legal counsel, and deep regulatory knowledge. Backed by Cowbell’s established in-house cyber claims expertise, Prime One ensures that when a wrongful collection claim arises, our policyholders have the dedicated support needed to manage the fallout.
We help businesses understand, prevent, and recover with confidence. By bringing Prime One to the mid-market, we are giving national brokers the clear, forward-looking coverage they need to guide large employers safely through the modern privacy minefield.
