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