Aon vs Cowbell: How Do They Compare for Cyber Insurance?

Aon describes cyber insurance brokerage and risk-advisory services. It is not identified as the risk-bearing insurer, and the global page does not name the carrier for a particular placement. ³Company-reported. Aon’s official global product/capability page. The statement is limited to Aon’s marketing of brokerage or advisory services, not policy issuance.

Cowbell operates as an insurance agency that markets its own named 'Prime' cyber product line, rather than distributing another carrier's off-the-shelf policy under its own brand. ^7,9,10Company-reported. Product overview PDFs for Prime 100, Prime 100 Pro, Prime 250, Prime One and Prime Plus.

The reviewed page does not identify the insurer or the legal producing entity for a specific placement. Ask Aon to identify both for the quoted risk. ³Not found in reviewed sources. Aon’s global product/capability page reviewed 2026-09-30; no buyer quote, binder or policy was reviewed. This does not establish that no insurer or producing entity is available.

Cowbell says Prime 100 and Prime 100 Pro paper is provided by Palomar Specialty Insurance Company (AM Best A rating), Prime 250 by Palomar Specialty Insurance Company and Chaucer Insurance Company, and Prime One by Chaucer Specialty Insurance Company; the insurer therefore varies by which Prime product is placed. ^7,9,10Company-reported. Footer/underwriting statements in each product PDF.

Aon describes cyber services for organizations managing cyber risk. Its global practice page does not publish a complete industry, revenue, security-control or state-by-state eligibility schedule. ³Company-reported. Audience stated by Aon on its global capability page; this does not establish a specific applicant’s eligibility or placement availability by U.S. state.

Cowbell markets Prime 100 (admitted) to SMEs with up to $100M in revenue, Prime 100 Pro (admitted, available in 47 states) to a similar SME band with broader endorsements, Prime 250 (non-admitted) to businesses up to $1B in revenue, and Prime One (non-admitted) to organizations with more advanced digital exposure, typically $250M+ in annual revenue. ^7,8,9,10Company-reported. Risk Appetite sections of each PDF.

Aon describes cyber insurance as one part of cyber risk financing and says it reviews policy offerings because terms and conditions vary. For professional-services firms, it discusses coordinating cyber and professional-liability coverage. This is brokerage guidance and does not establish the terms of any cyber policy. ³Company-reported. Aon’s broker-authored explanation of the insurance line. It does not establish an individual insured’s policy entitlement; the insurer’s form, endorsements and declarations control.

Base Prime 100 coverages include security breach liability, social engineering, hardware replacement, business income and extra expense, extortion threats, computer and funds transfer fraud, and restoration of electronic data; Prime One adds affirmative AI-incident and quantum-computing-incident coverage for more advanced digital exposures. ^7,10Company-reported. Prime 100 Coverages and Prime One 'Emerging risk coverage' sections; illustrative, subject to the issued policy's terms.

The reviewed page does not state a standard buyer-specific limit, retention or deductible for this placement. Confirm amounts, sublimits and conditions in the quote and issued policy. ³Not publicly disclosed. Aon’s global product/capability page reviewed 2026-09-30; no buyer quote or policy form was reviewed.

Cowbell states Prime 100 Pro adds endorsements with limits up to $3M, Prime One offers limits up to $10M for select risks, and Prime Plus is an excess layer offering up to $5M above a primary cyber policy; base Prime 100 and Prime 250 limit figures are not published in the reviewed PDFs. ^8,10,11Company-reported. Product overview PDFs; actual issued limits depend on underwriting.

Aon describes cyber claims advocacy and preparation and relationships with third-party incident-response providers. The retained official source notes that provider contracts are separate, no performance guarantee is made, and referral remuneration may occur; confirm the providers, scope and compensation applicable to a client. ³Company-reported. Company-reported brokerage and advisory services. Account-specific service terms are not stated.

Cowbell says every Prime policy includes Cowbell Factors risk ratings, Cowbell Resiliency Services, Cowbell Insights guidance, Cowbell Connectors integrations with cloud/security providers, and complimentary Wizer cybersecurity-awareness training with unlimited seats in the first policy year. ^7,9Company-reported. 'The Cowbell Advantage' section, repeated across the reviewed product PDFs.

Confirm in your quote.

Cowbell says agents can quote, bind and issue Prime 100 policies in less than five minutes, and that Prime 100 Pro requires only six underwriting questions for accounts under $50M in revenue; Prime products are distributed through appointed agents rather than direct to consumers. ^7,8Company-reported. Prime 100 and Prime 100 Pro overview PDFs; speed figures are company-reported, not independently timed.

Confirm in your quote.

Cowbell says its in-house cyber claims team has over 80 years of combined claims-handling experience and provides 24/7 in-house claims support from initial triage through resolution. ^10,7Company-reported. Prime One 'When an incident occurs' section and 'Expert Claims Support' feature repeated across the product PDFs.