Amelia Risk vs Cowbell Tech E&O Insurance

Amelia Risk places Tech E&O as a listed brokerage line; Cowbell’s Prime Tech combines Technology E&O with cyber on surplus lines for firms up to $1 billion in revenue.

What Is Amelia Risk?

Amelia Risk is a women-owned San Francisco insurance brokerage that says it designs commercial programs for startups, consumer packaged goods, technology companies, and consumer-product brands by approaching multiple insurers rather than selling a self-serve policy. ^1,^2,³

Read the Amelia Risk profile

What Is Cowbell Insurance?

Cowbell is a specialty-insurance platform and agency focused on cyber risk for small and midsize businesses. Its U.S. catalogue also includes combined Technology E&O and cyber products and a Zurich management-liability offering distributed through appointed wholesalers. ^7,^8,⁹

Read the Cowbell profile

What Is Technology Errors and Omissions (E&O) Insurance?

Technology errors and omissions (E&O) insurance addresses claims that a technology product or service caused a customer or other third party a financial loss. It doesn't extend to cyber incidents, bodily injury or professional services outside the quoted product. ^11,^12,¹³

Read the full coverage guide

Key Differences in Tech E&O Insurance

Listed Brokerage Line Versus Prime Tech

Amelia Risk places Technology E&O as its own listed line through a four-step brokerage process. Cowbell markets Prime Tech as a non-admitted professional-indemnity product that combines Technology E&O with cyber in one policy, and Prime Tech Plus as a follow-form excess layer, distributed through agents rather than direct to businesses. Neither Amelia Risk’s dedicated page nor Cowbell’s reviewed PDFs name the issuing insurer. ⁴ ⁶ ⁸ ¹⁰

Contract and Warranty Language

Amelia Risk describes Tech E&O as protection if a product or service fails and causes financial loss. Cowbell lists Prime Tech coverage for delay in delivery, negligence, misrepresentation, breach of warranty or contract, product failures and software copyright disputes, plus cyber-related costs, and says the product includes duty to defend, contractual-indemnity coverage, expansive breach-of-contract coverage, broad intellectual-property infringement coverage, and no exclusions for guarantees, consequential damages or similar items as described on the overview. ⁴ ⁸

Revenue Band, Limits and Services

Cowbell targets technology businesses with up to $1 billion in revenue and states Prime Tech and Prime Tech Plus each offer limits up to $5 million. Amelia Risk markets to software, hardware, robotics, AI, autonomous-vehicle software and life-sciences clients without a published revenue cap or limit figure. Cowbell says policyholders get Co-Pilot, Resiliency Services, Connectors and Wizer training; Amelia Risk’s Tech E&O pages do not describe those tools. ⁸ ¹⁰ ⁵ ⁴

What to Confirm in Tech E&O Insurance Quotes

Ask whether you need a Tech E&O-only placement (Amelia Risk) or an E&O-plus-cyber Prime Tech policy (Cowbell). ⁶ ⁸
Confirm surplus-lines status, state availability and the $5 million limit cap on Cowbell against Amelia Risk’s unpublished limits. ⁸ ⁴
Get the issuing insurer from both. ⁴ ⁸
Check warranty, consequential-damage and IP wording on the actual forms. ⁸ ⁴

Offering Details

Amelia Risk vs Cowbell Tech E&O Insurance: documented features by provider

Criteria	Technology Errors and Omissions	Cowbell Prime Tech / Prime Tech Plus
Role in This Line	Amelia Risk is a brokerage, not an insurer, and it places Technology Errors & Omissions as its own listed policy line, separate from the general liability and umbrella grouping on its policies page. ^6,⁴Company-reported. Policies hub and dedicated Tech E&O page as read on 2026-09-23. Does not identify which insurer would issue a placed policy.	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. ^8,¹⁰Company-reported. Prime Tech and Prime Tech Plus overview PDFs.
Issuing Insurer	The dedicated Tech E&O page does not name an issuing insurer, wholesale market or program; Amelia Risk's general pages say it places business with the dozens of insurance companies it works with, so the actual carrier for a Tech E&O placement depends on underwriting. ^4,²Not publicly disclosed. Dedicated Tech E&O page and specialties process page, both as read on 2026-09-23. A checked gap, not a statement that no insurer exists.	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. ^8,¹⁰Not publicly disclosed. Disclaimer paragraphs of both PDFs, read on 2026-09-23.
Who It’s For	Amelia Risk says a company should generally consider Tech E&O once people are using its technology, whether in beta or full release. ⁴Company-reported. Dedicated Tech E&O page's purchase-timing guidance. A general trigger the firm states, not an underwriting eligibility rule. Amelia Risk markets Tech E&O to its technology-industry clients, a specialty vertical it describes as covering software, hardware, robotics, AI, autonomous-vehicle software and life-sciences companies. ⁵Company-reported. Technology specialty page as read on 2026-09-16. Describes the firm's marketed audience, not a stated size or revenue threshold.	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. ^8,¹⁰Company-reported. Risk Appetite sections of both PDFs.
Coverage Features	Amelia Risk describes Tech E&O as a more specific term for professional liability: it protects a company if its product or service fails and causes a client or user a financial loss. ⁴Company-reported. Dedicated Tech E&O page copy. A general definition, not a specimen policy form or list of exclusions.	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. ⁸Company-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. ⁸Company-reported. 'Prime Tech Coverage Benefits' list; illustrative, subject to the issued policy.
Limits and Retentions	Not described in the reviewed sources.	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. ^8,¹⁰Company-reported. Product overview PDFs.
Risk Services	Not described in the reviewed sources.	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. ⁸Company-reported. Prime Tech PDF, page 2 (Cowbell Co-Pilot mention) and 'The Cowbell Advantage' list.
How to Apply	Amelia Risk applies its general four-step brokerage process to a Tech E&O request: it gathers information about the company, approaches insurers on the client's behalf, reviews the resulting quotes together, and lets the client decide how to proceed. ²Company-reported. Specialties page process description, which applies across the firm's lines rather than describing a Tech E&O-specific intake form.	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. ⁸Company-reported. 'Prime Tech Coverage Benefits' list, first bullet.
Claims Support	Amelia Risk says it advocates for a client's needs during claims as part of its general brokerage process; the reviewed pages do not describe a Tech E&O-specific claims procedure or dedicated claims contact. ²Company-reported. Specialties page 'Our Process' section. A general brokerage claims-advocacy statement, not a line-specific claims service.	Not described in the reviewed sources.

Full Comparison

More Amelia Risk vs Cowbell Comparisons

Other Tech E&O Insurance Comparisons

Sources

Amelia Risk

Amelia Risk Insurance Brokers. Amelia Risk Insurance Brokers; Who is Amelia?; specialty tiles for startups, CPG, technology, and consumer products; schema.org Organization name and logo; footer locations San Francisco and East Bay; Client Login Portal, Pay Now, and Privacy links; official logo asset. Accessed 2026-09-16.
Our Specialties. Amelia Risk Insurance Brokers; Our Process: four-step description of gathering information, approaching the dozens of insurance companies Amelia works with, reviewing quotes, and the client deciding how to proceed; claims advocacy sentence. Accessed 2026-09-23.
About Us. Amelia Risk Insurance Brokers; Opening brokerage description; How we're different (no multiple PDFs to print, sign, and scan); We do the right thing (underwriters, wholesale brokers, and strategic partners). Accessed 2026-09-16.
Technology Errors and Omissions. Amelia Risk Insurance Brokers; What's covered by a Technology Errors & Omissions Policy?; When should a company buy a Technology Errors & Omissions Policy? Accessed 2026-09-23.
Insurance For Technology Companies. Amelia Risk Insurance Brokers; Software, hardware, robotics, AI, autonomous-vehicle software and life-sciences audience; Insurance policies for tech companies to consider: Tech E&O. Accessed 2026-09-16.
Insurance Policies. Amelia Risk Insurance Brokers; Policies hub card: Technology Errors & Omissions, listed separately from General Liability & Umbrella. Accessed 2026-09-23.

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.

Tech E&O Insurance Guide

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.
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.