Cowbell Prime 100 Pro

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

Prime 100 Pro is designed for small and medium-sized enterprises (SMEs) with up to $100M in revenue that need broader coverage and flexible options beyond our Prime 100 program. It’s ideal for businesses seeking stronger protection against emerging threats, with coverage that grows alongside their operations.

What Prime 100 Pro offers:

Expanded coverage options

Prime 100 Pro extends core cyber protection with endorsements and coverages typically reserved for larger businesses, such as cryptojacking, contingent business interruption, and reverse social engineering, and offers limits of up to $3M. Businesses can choose between short-, standard-, and long-term policy options, adding flexibility while maintaining the calm assurance of reliable protection.

Streamlined process for agents

With only six underwriting questions required for accounts with under $50M in revenue, Prime 100 Pro makes quoting simple and fast, so agents can match clients with the right, customized coverage in minutes. The result? Speed and simplicity that cut through complexity.

Confidence that resonates

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 Pro delivers the protection that businesses need to focus on growth, not cyber threats.

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

Contractors
Education Services
Financial Services
Hospitality
K-12 Education
Nonprofit Organizations

Office and Administrative Services
Professional Services
Public Administration
Retailers
Transportation

Available In 41 U.S. States ›

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:

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 Pro coverages

The portfolio of coverages in Cowbell Prime 100 Pro is designed to serve SMEs with enhanced options that cut through the complexity of cyber risk.

First party expense

Cowbell Breach Fund

Extortion Threats and Ransom Payments

Replacement or Restoration of Electronic Data

First Party Losses

Business Income and Extra Expense

Cyber Crime Incidents

Third Party Coverages

Cyber Liability

Enhancement Endorsements

System Failure Loss Endorsement

Contingent Business Interruption

Blanket Additional Insured

Primary and Noncontributory

Specified Defense/Breach Counsel

Cryptojacking Loss

Bricking Cost

Waiver of Subrogation

More coverage endorsements are available.

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:

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.