Adaptive Cyber Insurance

Cowbell Prime 250

A complete portfolio of non-admitted, easy-to-understand cyber coverages written on the industry’s most robust forms for businesses with up to $250M in revenue.

Why Cowbell Prime 250



  • 25 cyber-specific coverages reflect the diversity of today’s cyber threats.
  • Refined coverage descriptions provide financial protection and peace of mind to digital business operations.
  • Coverages in Cowbell Prime 250 are organized in easy to understand categories mirroring incident response plans.


  • Coverages are anchored in Cowbell Factors™, which identify and quantify the unique risk exposures of your organization.
  • Industry-specific packages enable agents to instantly create quotes that match the unique profile of your business.
  • With a 100% online process, quotes can be quickly customized to match your desired limits or deductibles while still issuing policies in minutes.


  • Cowbell Factors deliver value even before signing your policy with quantified cyber risks and industry peer benchmarking.
  • Cowbell Insights deliver recommendations to improve your risk ratings and remediate security weaknesses.
  • Businesses gain access to risk engineering consultation and complimentary cybersecurity awareness training with their policies.

Need higher coverage limits? Learn about Cowbell Prime Plus

What We Cover

Cowbell Prime 250 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.

First Party Expenses

Cowbell Breach Fund

Extortion Costs

Data Restoration Costs

Business Impersonation Costs

Reputational Harm Expense

Liability Expenses

Liability Costs

PCI Costs

Regulatory Costs

CCPA Costs

GDPR Costs

Media Liability

Contractual Damages

First Party Losses

Cybercrime Loss

Business Interruption Loss

Contingent Business Interruption Loss

System Failure Business Interruption Loss

Contingent System Failure

Bricking Costs


Criminal Reward Costs

Utility Fraud Attack

Cowbell Prime 250 is available to businesses with up to $250 million of revenue in 42 states and the District of Columbia on a surplus basis. Click here to access Cowbell’s licensing details. Access Cowbell’s licensing details.

Get To Know Your Cowbell Factors