Cowbell Prime One

Non-admitted, standalone cyber insurance for organizations with advanced digital exposures

Prime One is breaking the boundaries of cyber insurance with affirmative coverage for AI-related incidents and quantum computing risks in the base form. With available limits up to $10M, the product reflects how modern threats are reshaping business risk across interconnected systems, data environments, and third-party ecosystems.

What Prime One offers:

Clarity that scales with complexity

Coverage is structured around how modern cyber incidents actually unfold—across systems, third parties, financial transactions, and operations—so you can understand how protection applies when it matters most.

Protection for evolving risk

Prime One goes beyond traditional cyber events to address emerging exposures, including AI-related incidents, quantum computing risks, and expanding financial fraud threats.

Confidence in response

With coordinated claims support and experienced specialists guiding recovery, you gain clarity and momentum from the moment an incident begins.

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

Insurance agencies
Professional services
Law firms
Life sciences
Manufacturing
Medical offices
Nonprofits

Features & Highlights

EMERGING RISK COVERAGE

AI Incident Coverage

Affirmative coverage for incidents involving AI systems, including unauthorized access, misuse, or manipulation leading to data exposure or system compromise.

Quantum Computing Incident Coverage

Coverage addressing emerging risks tied to encryption
vulnerability as quantum computing advances, including
the compromise of encrypted data and systems.

PRIME ONE COVERAGE HIGHLIGHTS

Cyber Crime Loss

Coverage for financial loss from social engineering, fraudulent transfer, computer fraud, and other manipulation events.

Business Interruption

Coverage for loss of income and extra expense resulting from a cyber event, including ransomware and system disruption.

Data Restoration

Coverage for costs to recover, restore, or recreate data following a cyber incident or system failure.

System Failure

Coverage for loss resulting from unintentional system outages, failures, or performance issues not caused by a security event.

Third Party Costs

Coverage for defense expenses and damages arising from privacy breaches, network security failures, and regulatory or third-party claims.

Tangible Property Loss (eligible risks)

Coverage for loss of physical goods resulting from cyber-enabled events, where financial and operational impacts intersect.

Control Group Relocation Costs

Coverage for costs associated with relocating executives following a targeted cyber threat or security event.

Impacted Individuals Mental Anguish Costs

Coverage for health-related impacts experienced as a result of a cyber event.

Wrongful Collection

Coverage for liability arising from collection or handling of personal or sensitive data.

BIPA (Biometric Information Privacy Act)

Coverage for biometric data-related exposures, subject to eligibility and sublimits.

Theft of Personal Funds

Coverage for theft of employee or individual funds resulting from a cyber event.

HR Crisis Management

Coverage for internal response and recovery following a cyber incident, including employee-related impacts.

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
Cowbell vendor risk assessment:

VRA closes the Vendor Risk gap with integrated, real-time risk intelligence. Easily evaluate vendors, track key indicators, and stay audit-ready, all from a single dashboard.

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 cybersecurity@cowbellcyber.ai to learn more.

Prime One coverages

Built for complex digital environments, Cowbell Prime One provides a broad portfolio of coverages designed to address emerging cyber risks and their real-world business impact. Download the brochure.

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.