What to know about Cowbell Prime 100.
- Prime 100 is an admitted standalone cyber product for businesses with up to $100 million in revenue. [1]
- Cowbell identifies Spinnaker Insurance Company as the insurer for this product. [1]
- The published description requires documented verification procedures for social-engineering cover. Its business-income section says system failure and voluntary shutdown are not covered. [1]
- The same webpage also places a service-provider system-failure income-loss description under Website Media Liability, which conflicts with its business-income summary. The actual policy wording needs to resolve this. [1]
This is an individual program of Cowbell. Its product scope and eligibility should be reviewed separately from other programs.
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
Spinnaker Insurance Company [1]
Published issuing insurer for Prime 100
Cowbell names Spinnaker Insurance Company as the paper provider for Prime 100. Confirm the insurer and state-specific policy on the quote. [1]
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:
- Obtain the actual state form and endorsements and compare system-failure and shutdown terms with the account’s downtime scenarios.
- Document payment-verification procedures and ask how the proposed social-engineering requirements apply to the insured’s workflow.
- Request the policy wording and clarification of the conflicting webpage summaries before relying on either description.
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 Prime 100?
Choose “Get a quote with Cowbell Prime 100” 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 Prime 100 product information ↗Checked November 1, 2026
- Cowbell agency license information ↗Checked November 1, 2026
Published by Hedge Specialty. Send a correction if a product or program has changed.