What Is AIG?
AIG is the marketing name for American International Group, Inc.; AIG says its insurance products are written or provided by subsidiaries or affiliates. Its U.S. business pages list commercial casualty, property, cyber, management and professional liability, and specialty programs, but a brand-level page does not identify the insurer for a particular policy. 1,2
What Is Cowbell Insurance?
Cowbell suits small and midsize businesses seeking cyber options by company size, with technology E&O and Zurich management-liability options also available; firms needing broad commercial coverage should compare a full-service broker. Some security services cost extra. 4,5,6
What Is Technology Errors and Omissions (E&O) Insurance?
Technology errors and omissions coverage can help pay when a customer claims your software, hosting, installation or technology advice caused financial loss. If you provide tech products or services, check each activity; cyber incidents and unrelated professional work need separate review. 8,9,10,11,12,13,14
What Are the Key Differences Between AIG and Cowbell Tech E&O Insurance?
Coverage design and fit
The contract and IP scope is the sharpest comparison for technology vendors: AIG describes allegations from performing technology services, while Cowbell names delay, negligence, misrepresentation, breach of warranty or contract, product failure, and software copyright disputes. Cowbell further says Prime Tech has no exclusions for guarantees, consequential damages, or breach of warranties. A buyer should compare those promises against the final form and customer indemnities rather than assume the coverage triggers match. 3 5
Eligibility, services, and placement
AIG names technology-service claims with third-party economic loss but does not describe a combined cyber policy in the reviewed page. Cowbell’s Prime Tech combines E&O and cyber as a surplus-lines policy and Prime Tech Plus can sit above a primary Tech E&O/cyber policy. Buyers wanting a separate E&O placement should ask whether AIG can quote it on the needed basis and compare the limits and issuer. 3 5
What Should You Confirm in AIG and Cowbell Tech E&O Insurance Quotes?
AIG and Cowbell Review Scores for 2026
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
AIG Review Score
Review Score
2 rated sources
Customer ratings for AIG are low: Trustpilot shows 1.9 out of 5 from 252 reviews, and NerdWallet gives 2.5 stars and notes more claims complaints than expected. These pages cover many AIG products and countries, so they only loosely describe business insurance.[1][2]
Read AIG reviewsCowbell Review Score
Review Score
1 rated source
Cowbell has one public rating we could find: 1.0 out of 5 on SourceForge from three reviews in 2023. That's too few and too old to say much.[8]
Read Cowbell reviewsAIG vs Cowbell Tech E&O Insurance Compared
AIG vs Cowbell: Tech E&O Insurance: documented features by provider
| Criteria | AIG Technology Services E&O | Cowbell Prime Tech / Prime Tech Plus |
|---|---|---|
| Role in This Line | AIG markets Technology Services E&O as coverage for technology service providers. AIG is the marketing name; its legal footer says products are written or provided by subsidiaries or affiliates and does not identify the issuer for an individual policy. 3Company-reported. AIG’s U.S. Professional Liability page’s distinct Technology Services description. This is not a named policy form or issuer assignment. | Cowbell markets Prime Tech as a non-admitted professional-indemnity product that combines Technology Errors & Omissions (E&O) with cyber coverage in one policy, and Prime Tech Plus as a follow-form excess layer that sits above a primary Tech E&O/cyber policy. 5,7Company-reported. Prime Tech and Prime Tech Plus overview PDFs. |
| Issuing Insurer | Confirm in your quote. | Neither reviewed PDF names the specific issuing insurer for Prime Tech or Prime Tech Plus; both state coverage, terms and availability vary by state and are subject to underwriting approval without naming a carrier. 5,7Not publicly disclosed. Disclaimer paragraphs of both PDFs, read on 2026-09-23. |
| Who It’s For | AIG identifies technology service providers as the target audience for this offering. It does not publish a complete eligible-occupation list or state-by-state appetite on the reviewed page. 3Company-reported. Target audience stated in AIG’s Technology Services section; applicant eligibility remains underwriting-specific. | Cowbell targets Prime Tech and Prime Tech Plus at technology businesses with up to $1B in revenue, listing example segments such as SaaS/app service providers, IT consultants, data analytics, hardware resellers, and web design or web services firms. 5,7Company-reported. Risk Appetite sections of both PDFs. |
| Coverage Features | AIG describes coverage for claims alleging errors or omissions in the performance of technology services, including third-party economic-loss allegations. The marketing description does not establish that a specific claim is covered; policy definitions, exclusions and conditions control. 3Company-reported. AIG’s marketing description of Technology Services E&O; no policy form or endorsement was reviewed. | Cowbell lists Prime Tech coverage for delay in delivery, negligence, misrepresentation, breach of warranty/contract, product failures, and software copyright disputes, plus associated cyber-related costs like cyber extortion, data restoration, social engineering, and business interruption. 5Company-reported. Prime Tech FAQ, 'What coverage is offered?' and 'other associated costs' lists. Cowbell says Prime Tech includes duty to defend, defense costs for privacy-related regulatory proceedings, contractual-indemnity coverage, expansive breach-of-contract coverage, broad intellectual-property infringement coverage, and no exclusions for guarantees, consequential damages, or breach of warranties. 5Company-reported. 'Prime Tech Coverage Benefits' list; illustrative, subject to the issued policy. |
| Limits and Retentions | The reviewed page does not state standard limits, retentions or deductibles for Technology Services E&O. Confirm them in the quote and issued policy. 3Not publicly disclosed. AIG’s U.S. Professional Liability page reviewed 2026-09-30; no buyer-specific quote or policy was reviewed. | Cowbell states Prime Tech offers limits up to $5M, and Prime Tech Plus (the excess layer) also offers limits up to $5M above the underlying primary policy. 5,7Company-reported. Product overview PDFs. |
| Risk Services | AIG says its professional-liability claims team includes in-house professionals and third-party experts, collaborates with clients during claims, and uses claims data to help evaluate and mitigate loss. These are general company-reported professional-liability services, not a guaranteed outcome for a technology E&O claim. 3Company-reported. AIG Professional Liability page claims description; technology-specific service standards are not stated. | Cowbell says Prime Tech is 'powered by Cowbell Co-Pilot,' its AI-driven assistive underwriting tool, and that policyholders get the same Cowbell Resiliency Services, Cowbell Connectors, and complimentary Wizer cybersecurity-awareness training offered on its cyber products. 5Company-reported. Prime Tech PDF, page 2 (Cowbell Co-Pilot mention) and 'The Cowbell Advantage' list. |
| How to Apply | Confirm in your quote. | Cowbell says Prime Tech is available on a surplus-lines basis in all 50 states and is distributed through agents rather than direct to businesses. 5Company-reported. 'Prime Tech Coverage Benefits' list, first bullet. |
Related Pages for AIG vs Cowbell Tech E&O Insurance
Tech E&O Insurance Pages for AIG and Cowbell
Other Coverage Lines Compared for AIG vs Cowbell
Other Tech E&O Insurance Provider Comparisons
Sources for AIG vs Cowbell Tech E&O Insurance
Sources About AIG
- Investor Relations. American International Group, Inc. (AIG); About AIG and legal footer; lines 244–246 and 327–331. Accessed 2026-09-28.
- Business. AIG US; Surplus Lines heading and paragraph, lines 357–359. Accessed 2026-09-28.
- Professional Liability Insurance. AIG US; Technology Services description, lines 335–339; claims expertise lines 273–279; broker contact lines 385–389; legal footer policy-language caveat lines 485–489. Accessed 2026-09-30.
Sources About Cowbell
- Cowbell. Cowbell; What We Do; Assess, Insure, Respond and Improve; U.S. navigation; footer legal disclosure. Accessed 2026-09-15.
- Prime Tech Product Overview. Cowbell; Product Overview; Risk Appetite; Prime Tech Coverage Benefits; Prime Tech FAQ (typical Tech E&O claims scenarios, coverage offered, associated costs). Accessed 2026-09-23.
- Small And Midsize Business Management Liability. Zurich North America; Zurich Select Plus collaboration; admitted paper and Zurich Claims; modular suite: D&O, Employment Practices and Third-Party Discrimination Liability, Fiduciary Liability and Crime modules; access for appointed Zurich E&S wholesalers; target under 250 employees and $50 million assets; access and target-account FAQs. Accessed 2026-09-16.
- Prime Tech Plus Product Overview. Cowbell; Product Overview; Seamless excess protection; Tailored for technology providers; Risk Appetite industry list. Accessed 2026-09-23.
Sources for the Tech E&O Insurance Guide
- Glossary of Insurance Terms. National Association of Insurance Commissioners; Professional Errors and Omissions Liability; Errors and Omissions Liability | Professional Liability other than Medical. Accessed 2026-09-16.
- Insurance and Bonding Guidelines. Georgia Department of Administrative Services; Professional Liability / Errors and Omissions p.6; Technology Errors & Omissions (Cyber Liability) §9 pp.7–8. Accessed 2026-09-16.
- Appendix J – Contractor’s Insurance Requirements, Information Technology Umbrella Contract – Manufacturer Based (Statewide). New York State Office of General Services; §4 Technology Errors and Omissions, printed p.6 / PDF p.6; claims-made tail note. Accessed 2026-09-16.
- Technology Errors and Omissions Insurance. The Hartford; What Is Technology Errors and Omissions Insurance?; differences between cyber liability and errors and omissions; How Technology Errors and Omissions Insurance Works With Contracts. Accessed 2026-09-16.
- DigiTech Enterprise Risk Management. Chubb; Coverage Synopsis > Third-Party Liability Coverage > Technology Errors and Omissions; Cyber, Privacy and Network Security Liability; footer product-summary disclaimer. Accessed 2026-09-16.
- Chubb DigiTech Enterprise Risk Management Policy — Technology E&O, Cyber and Privacy Short Form Application. ACE American Insurance Company / Chubb; Claims-made notice p.1; §2 Nature of Operations product/service schedule pp.2–3; §7 Technology E&O pp.4–5; §9–10 current and desired coverage pp.5–6. Accessed 2026-09-16.
- Cyber Risk for Technology Companies. Travelers; CyberRisk Tech coverage includes… technology errors and omissions; businesses can choose cyber protection, E&O protection or both; E&O coverage helps address… errors, omissions or negligent acts in the performance of its services. Accessed 2026-09-16.
