What Prime 250 offers:
Broader, adaptable coverage
Prime 250 covers a wide range of incidents beyond data breaches, including ransomware, extortion, and business interruption events. It provides protection that evolves with risk and delivers the steady assurance businesses need to focus on growth.
Efficient and customizable protection
Agents can tailor coverage to a client’s unique risk profile, ensuring protection fits the business rather than the other way around.
Confidence at scale
With paper provided by Palomar Specialty Insurance Company & Chaucer Insurance Company (AM Best FS Rating of A (Excellent)), and backed by leading global reinsurers, Prime 250 delivers financial strength and quiet confidence clients can rely on when it matters most.
Prime 250 is suitable for a range of businesses and sectors, including:
- Carpet & Upholstery
- Cleaning Services
- Court Reporting & Stenotype Services
- Education Services
- Exterminating & Pest Control Services
- Investment Firms & Financial Advisors
- Commercial Banking
- Public Administration
- Janitorial Services
- K-12 Education
- Landscaping Services
- Locksmiths
- Office & Facilities Administrative Services
Available in 50 states and D.C. on surplus papers. Standalone cyber insurance is available nationwide on a surplus or excess basis.
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:
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Cowbell factors™:
Easy-to-understand risk ratings that reveal vulnerabilities clearly
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Cowbell insights:
Practical, actionable guidance to strengthen defenses
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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
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Optimize your premium:
Activate a connector, and become eligible for a 5% premium credit*
*for Prime 250 policyholders only.
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Cybersecurity awareness training:
Complimentary, easy-to-administer training programs that empower employees to identify threats before they turn into a cyber event*
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Cowbell resiliency services (CRS):
Practical tools and expert guidance to help businesses identify vulnerabilities, strengthen defenses, and recover faster
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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 250 coverages
Prime 250 coverages are designed to address the diversity of cyber incidents and damages that impact businesses. The list below isn’t exhaustive, but includes the most commonly selected coverages.
Liability costs
Coverage for (1) defense expenses, (2) monetary damages the insured becomes legally obligated to pay, including pre-judgment interest, post-judgment interest, judgments, or settlements; and (3) punitive, exemplary, or multiplied damages, but only to the extent the damages are insurable under the applicable law most favorable to the insurability of such damages.
Business Interruption Loss
Coverage for the income loss and extra expenses incurred due to the actual and measurable interruption or degradation in performance of the insured’s computer system., including a voluntary shutdown of the system when such action is taken to minimize, avoid, or reduce further damage as a result of a covered incident.
Extortion Costs
Coverage for losses from a privacy incident or network security incident resulting from a credible threat or series of threats, such as a ransomware attack. This can include expenses to investigate the cause of an extortion threat and the payment amounts, including the actual costs to execute such payment (whether in digital or traditional currency).
Cyber crime loss
Coverage for loss of money or digital currency directly resulting from: (1) social engineering, (2) reverse social engineering, and/or (3) fraudulent transfer of funds. It also covers telecommunications charges incurred by the insured as a result of a telecommunications hack.
Data restoration
Coverage for the cost to replace, restore, recreate, or recover data residing on an insured’s computer system that is compromised as a direct result of a network security incident. If such data cannot be replaced, restored, recreated, or recovered, then data restoration coverage is limited to the costs associated with that determination.
Contractual damages
Provides a carve back to the breach of contract exclusion to cover contractual damages (for manufacturing risks only).
Bricking cost
Coverage for the reasonable and necessary costs, subject to the insurer’s prior consent, to replace, remediate, or improve the insured’s computer system. Costs must be incurred as a direct result of a network security incident.
System failure
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 the insured’s computer system. *see policy wording
Missed bid
Coverage for the net profit or net loss before taxes and interest that the insured could have reasonably earned or net loss that the insured could have reasonably avoided due to a missed bid or request for proposal (RFP), and the costs of retaining a forensic accountant to determine such amount (for construction risks only).
Reputational harm expense
Coverage for income loss during a period of indemnity that directly results from a communication via any medium specifically arising from an actual or alleged incident that threatens to, or actually does, negatively harm the insured’s reputation.
Utility fraud attack
Coverage for additional costs incurred due to an unauthorized third party using the insured organization’s natural gas, oil, or internet, through manipulation or deception.
Media liability
Coverage for liability costs associated with intellectual property infringement, other than patent infringement, resulting from the advertising of an insured’s services. This also applies to print advertising and social media.
Cryptojacking
Coverage for the financial loss resulting from the unauthorized access or unauthorized use of computer systems to mine for digital currency that directly results in the insured organization incurring additional costs for computing resources.
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.
