What to know about Cowbell.
- Cowbell publishes cyber insurance and technology professional indemnity products. [1]
- Its cyber approach combines risk assessment, insurance, incident response and ongoing risk improvement. [1]
- Prime 100 is described as admitted cyber for businesses up to $100 million in revenue, with Spinnaker Insurance Company as the insurer. [3]
- Prime One is described as nonadmitted cyber with available limits up to $10 million. [4]
- Prime Tech combines technology E&O and cyber for technology businesses up to $1 billion in revenue, with published limits up to $5 million. [5]
Explore the product-specific details.
- Cowbell Prime 100 ↗
Prime 100 is an admitted standalone cyber product for businesses with up to $100 million in revenue. Source ↗ - Cowbell Prime One ↗
Prime One is a nonadmitted standalone cyber product with published available limits up to $10 million. Source ↗ - Cowbell Prime Tech ↗
Prime Tech combines technology errors and omissions with cyber insurance for technology businesses with up to $1 billion in revenue. Source ↗
Legal entities and underwriting.
The market name, licensed producer and insurance company can be different entities. These are the names and roles identified in the cited disclosures.
Cowbell Insurance Agency LLC [2]
Licensed insurance agency
- California license
- 0N04366
The agency publishes separate producer and surplus-lines license schedules. Those schedules concern distribution authority; they do not identify which insurer will issue a particular quote. [2]
Registration and license details identify an entity and its role. They do not by themselves establish that a particular product, state, limit or account is eligible.
Make the request specific.
Hedge’s preparation guidance for this type of placement:
- Identify whether the account needs standalone cyber, technology E&O or both before selecting a Cowbell product.
- Compare the quoted system-failure, voluntary-shutdown and social-engineering wording at product level; Cowbell’s public product descriptions differ.
- Map insured and service-provider systems, payment controls, sensitive data and recovery dependencies to the actual policy terms.
Include the named insured, locations, requested lines and limits, effective date, existing applications and available loss information. Start with what you have; the team can identify what is missing.
Check the details that change the fit.
How do I get a quote with Cowbell?
Choose “Get a quote with Cowbell” and tell us about your client. Hedge carries your market selection into the submission, helps complete the account and works on the available terms.
Does this profile confirm my account is eligible?
The published specialties are a starting point. State, business activity, loss history, requested coverage, limits and effective date can change eligibility. The source material used for this profile does not provide a complete state-by-product matrix. The actual proposal and policy forms determine coverage.
Check the original material.
Product facts were checked against the official material below on November 1, 2026. Market websites may change before this profile is updated.
- Cowbell official product information ↗Checked November 1, 2026
- Cowbell agency license information ↗Checked November 1, 2026
- Cowbell Prime 100 product information ↗Checked November 1, 2026
- Cowbell Prime One product information ↗Checked November 1, 2026
- Cowbell Prime Tech product information ↗Checked November 1, 2026
Published by Hedge Specialty. Send a correction if a product or program has changed.