Prime One

Prime One is designed for small and medium-sized enterprises (SMEs) and mid-market businesses with annual turnover up to £1bn. These cyber policies are written on A+ and A rated paper, backed by a panel of leading global reinsurers, and are available nationwide.

Prime One keeps cyber insurance simple: clear, reliable protection for businesses and straightforward, efficient processes for brokers. This is the steady assurance organisations need to move forward with confidence.

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

Accounting firms
Contractors
Dental offices
Financial services
Healthcare

Hospitality
Insurance agencies
Law firms
Manufacturing
Medical offices

Non-profits
Professional services
Retailers
Transportation
Wholesale

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.

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

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 12 months after policy inception. Email us at plorefrphevgl@pbjoryyplore.nv to learn more.

Prime One coverages

Prime One offers comprehensive protection against the wide range of cyber incidents that can disrupt businesses. The list below is not exhaustive but highlights the coverages most frequently selected by policyholders.

Breach fund costs

Coverage for costs incurred resulting from an actual or reasonably suspected cyber event, including breach counsel, forensics, notification, identity monitoring services, and crisis management.

Liability costs

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.

Business interruption 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.

Media liability

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.

Cyber crime loss

Provides a carve back to the breach of contract exclusion to cover contractual damages (for manufacturing risks only).

Data restoration

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).

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

Bricking cost

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.

Extortion costs

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.

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.

This overview is for general informational purposes only and does not constitute an offer of insurance. The coverages and examples described are illustrative and may not represent all possible scenarios. Availability, terms, limits, and conditions may vary and are subject to underwriting approval. References to third-party services are subject to their own terms and availability. Actual coverage is determined solely by the terms, conditions, and exclusions of the issued policy.

Cowbell Managing General Agency Ltd is an Appointed Representative of Advent Solutions Management Limited which is authorised and regulated by the Financial Conduct Authority in respect of general insurance business, FRN:308751. Cowbell Managing General Agency Ltd is registered in England and Wales under company registration number 14570024. Cowbell Managing General Agency Ltd is a subsidiary of Cowbell Cyber, Inc. | © 2025 Cowbell Cyber, Inc. | All Rights Reserved | Cowbell Managing General Agency Ltd. | www.cowbell.insure/uk | 0800 208 8105 | hxfhccbeg@pbjoryyplore.nv

Cowbell Prime One

Standalone cyber insurance programme