What to know about Cowbell Prime One.
- Prime One is a nonadmitted standalone cyber product with published available limits up to $10 million. [1]
- Cowbell describes AI-related incidents and quantum-computing risks as affirmative cover in the base form. [1]
- Its business-interruption description includes service-provider systems and voluntary shutdown following a covered incident. BIPA cover is described as subject to eligibility and sublimits. [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
The product page identifies Prime One as nonadmitted but does not name one universal issuing insurer. Confirm the insurer, surplus-lines route and applicable notices on the account’s 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:
- Ask for the actual AI, quantum, system-failure and voluntary-shutdown definitions; the label alone does not settle a loss scenario.
- Review dependent-system triggers, waiting periods and recovery periods against critical vendors and the expected time to restore operations.
- For biometric-data collection, identify consent and retention practices and confirm whether BIPA cover is included, with what sublimit and endorsements.
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 One?
Choose “Get a quote with Cowbell Prime One” 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 One 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.