Adaptive Cyber Insurance

Cowbell Prime 100

A standalone, admitted cyber insurance program for businesses with up to $100M in revenue.

Why Cowbell Prime 100

Ideal Customer

Ideal for first-time buyers or businesses upgrading from a BOP or packaged cyber policy

Grade A

Written on “A” rated paper, backed by a panel of top global reinsurers


Coverages designed to address the diversity and rapid evolution of today’s cyber threats – not just data breaches


Individualized policies that match every business’s unique risk profile, based on identified and quantified risks


24/7 risk analysis and recommendations with Cowbell Factors and Cowbell Insights


Risk engineering consultation and cyber awareness training bundled with policy at no additional charge

Have more than $100M in revenue? Learn about Cowbell Prime 250

What We Cover

Cowbell Prime 100 covers your risks according to your specific risk exposures. Your Cowbell Factors identify your risk level to help you determine the ideal package of insurance coverage to mitigate potential losses from a cyberattack.

Security Breach Expense

Coverage for losses and incident recovery expenses such as forensic investigation or customer notification

Extortion Threats

Coverage for costs associated with ransoms related to cyber intrusions into business systems

Replacement or Restoration of Data

Coverage for the costs to replace or restore data or programs in the aftermath of an incident

Loss of Business Income

Coverage for losses and costs associated with the inability to conduct business due to a cyberattack

Public Relations Expenses

​Coverage for the costs to hire a public relations firm to restore reputation following a cyber incident

Security Breach Liability

Coverage of costs, if liable, incurred by customers and other third parties due to a cyberattack

Computer and Funds Transfer Fraud

Coverage for the losses associated with a fraudulent transfer of money, securities, or other property

Social Engineering

Coverage for losses associated with social engineering incidents

Ransom Payments

Coverage for the reimbursement of ransom payment to a third party to resolve an extortion threat

Post Breach Remediation

Coverage for labor costs to remediate security weaknesses identified by an independent security firm

Hardware Replacement Costs

Coverage for the cost to replace destructed or corrupted equipment after a cyber incident

Telecommunication Fraud

​Coverage for the cost of unauthorized use of the insured’s telephone system following a cyber incident

Website Media Content Liability

Coverage for a loss and defense expenses from intellectual property infringement

Cowbell Prime 100 is available to businesses with up to $100 million of revenue on an admitted basis in the following states: Alabama, Alaska, Arizona, Arkansas, California, Colorado, Delaware, Florida, Georgia, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, New Hampshire, New Jersey, New Mexico, New York, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, Washington, West Virginia, Wisconsin, Wyoming and the District of Columbia (D.C.). Access Cowbell’s licensing details.

Get To Know Your Cowbell Factors