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Cowbell Prime 100

Admitted, standalone cyber insurance for businesses with up to $100M in revenue

Prime 100 is designed for small and medium-sized enterprises (SMEs) with up to $100M in revenue. It’s the ideal solution for businesses buying cyber insurance for the first time or moving beyond bundled coverage in a Business Owner’s Policy or packaged policy.

What Prime 100 offers:

Clarity that cuts through complexity

Policies address today’s most common cyber incidents, from ransomware and phishing to business interruption and data compromise, explained in terms brokers can share with clients.

Fast, flexible coverage

Agents can quote, bind, and issue customizable policies in less than five minutes, giving clients fast access to tailored protection.

Quiet confidence in protection

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.

Prime 100 is suitable for a range of businesses and sectors, including:

  • Accounting firms
  • Contractors
  • Dental offices
  • Financial services
  • Healthcare
  • Hospitality
  • Insurance agencies
  • Professional services
  • Law firms
  • Manufacturing
  • Medical offices
  • Nonprofits
  • Retailers
  • Truckers
  • Wholesale
The Cowbell advantage

We design coverage around...

what actually happens in a cyber event, 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:

design coverage
  • Cowbell factors™:

    Easy-to-understand risk ratings that reveal vulnerabilities clearly

  • Cowbell insights:

    Practical, actionable guidance to strengthen defenses

  • Cowbell connectors:

    Simple integrations with leading cloud and security providers that validate security practices—working like a constant quiet hum in the background, always active, always reinforcing protection

  • Cybersecurity awareness training:

    Complimentary, easy-to-administer training programs that empower employees to identify threats before they turn into a cyber event*

  • Cowbell resiliency services (CRS):

    Practical tools and expert guidance to help businesses identify vulnerabilities, strengthen defenses, and recover faster

  • Expert claims support:

    24/7 in-house specialists who lead with empathy, guide recovery, and provide peace of mind when it matters most

    *Cybersecurity awareness training offered through Wizer. Policyholders get unlimited seats at no additional cost for the first policy year. Email us at plorefrphevgl@pbjoryyplore.nv to learn more.

    Prime 100 coverages

    The portfolio of coverages in Cowbell Prime 100 is designed to address the diversity of cyber incidents and resulting damages that can impact businesses.
    Security Breach Expense

    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.

    Security Breach Liability

    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.

    Extortion Threats
    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.
    Hardware Replacement Costs
    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.
    Telecommunications Fraud
    Coverage for the cost of unauthorized calls or unauthorized use of the insured’s telephone system’s bandwidth, including but not limited to phone bills.
    Ransom Payments
    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.
    Social Engineering
    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.
    Restoration of Electronic Data
    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.
    Public Relations Expense
    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.
    Business Income & Extra Expense
    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.
    Website Media Liability

    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’s computer system. *see policy wording

    Computer & Funds Transfer Fraud
    Coverage for the losses due to a fraudulent computer operation that causes money (or other property) to be transferred from an insured’s account. This also covers losses incurred by a fraudulent instruction directing a financial institution to debit money from the insured’s transfer account.
    Cowbell: The Sound Approach to Risk

    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’s threats, we make coverage easier to understand and more reliable when it matters most. The foundation of this approach is the Hum—our constant, steady vigilance that leads to stronger businesses, trusted partnerships, and the quiet confidence to keep moving forward.

    Cowbell:

    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’s threats, we make coverage easier to understand and more reliable when it matters most. The foundation of this approach is the Hum—our constant, steady vigilance that leads to stronger businesses, trusted partnerships, and the quiet confidence to keep moving forward.