At-Bay vs 
Cowbell: How Do They Compare for Tech E&O Insurance?
Cowbell Prime Tech targets technology firms up to $1B in revenue, offers limits up to $5M and is distributed through agents. At-Bay writes Tech E&O up to $10 million, primary or excess.
At-Bay writes Tech E&O up to $10 million for companies with up to $5 billion in revenue, with its Stance security platform included; Cowbell's Prime Tech puts Tech E&O and cyber in one policy for tech firms up to $1 billion in revenue, with $5 million primary plus $5 million Prime Tech Plus excess. 1,5,6
What Are the Key Differences Between At-Bay and Cowbell Tech E&O Insurance?
Higher-Limit Tech E&O vs One Policy for E&O and Cyber
At-Bay writes Tech E&O as its own line, publishing limits up to $10 million for businesses with revenue up to $5 billion, and counts service credits you owe customers as payable damages. Cowbell's Prime Tech combines Tech E&O and cyber in one policy for tech businesses with up to $1 billion in revenue, with limits up to $5 million plus another $5 million through Prime Tech Plus follow-form excess. Both describe broad breach-of-contract and IP infringement cover and say they don't exclude guarantees, consequential damages or breached warranties. Choose At-Bay if you need more than $5 million of primary E&O or have over $1 billion in revenue; choose Cowbell if you want E&O and cyber in a single policy. 1 5 6
Automated Broker Quotes vs Agent-Sold Surplus Lines
At-Bay takes submissions by email or through its Broker Platform, where automated quotes stop at $100 million in revenue and $3 million in limits; above that, expect underwriter review. Cowbell sells Prime Tech through agents as a surplus-lines policy (fewer state protections) in all 50 states. 5 1
Stance Platform vs Resiliency Services and Training
At-Bay includes its Stance security platform with Tech E&O and sells managed detection and response separately through At-Bay Security, LLC. Cowbell adds Co-Pilot underwriting support, Resiliency Services, Connectors and free Wizer security training. 5 1
What Should You Confirm in At-Bay and Cowbell Tech E&O Insurance Quotes?
- Ask whether Cowbell is quoting Prime Tech, Prime Tech Plus or both, and whether At-Bay is quoting primary, excess or both. 6 1
- Check your revenue and needed limit against Cowbell's $5 million / $1 billion and At-Bay's $10 million / $5 billion ceilings. 5 1
- Ask both which insurer issues the policy; neither names one. 5 1
- Ask which security services are included and which cost extra. 5 1
At-Bay vs Cowbell Tech E&O Insurance Compared
At-Bay vs Cowbell: Tech E&O Insurance: documented features by provider
| Criteria | At-Bay Tech E&O Insurance | Cowbell Prime Tech / Prime Tech Plus |
|---|---|---|
| Limits and Retentions | At-Bay says it writes primary and excess Tech E&O insurance for businesses with revenue up to $5 billion and limits up to $10 million. Through its Broker Platform, brokers can get automated quotes only for businesses up to $100 million in revenue and $3 million in limits. 1Company-reported. Published appetite ceilings, not guaranteed offers; underwriting and the appetite guide control individual accounts. | 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. 5,6Company-reported. Product overview PDFs. |
| How to Apply | You apply for At-Bay Tech E&O coverage by emailing a submission to underwriting@at-bay.com or by requesting an automated quote through At-Bay's Broker Platform. 1Company-reported. Product-page submission instructions; the Broker Platform route is limited to accounts within its lower appetite ceilings. | 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. |
| Coverage Features | At-Bay says its Tech E&O policy expands breach-of-contract coverage beyond a standard technology liability policy, carries no exclusion for breach of warranties, guarantees or consequential damages, and extends intellectual-property infringement coverage to trade-secret misappropriation, cybersquatting, improper deep-linking and source-code license violations, in addition to standard software copyright infringement. 1Company-reported. Product-page coverage highlights; the issued policy and endorsements control actual terms. At-Bay describes negligence coverage for improper installations, coding errors, data-processing flaws, failed implementations and network outages, plus contractual-indemnity coverage for obligations a technology company owes customers from an alleged wrongful act. It also counts service credits issued to settle a claim as payable damages under the policy. 1Company-reported. Product-page coverage highlights; the issued policy and endorsements control actual terms. | 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. |
| Role in This Line | At-Bay places Tech E&O insurance through its disclosed producer, At-Bay Insurance Services LLC, which is licensed as an insurance producer in all 50 states. At-Bay says eligible new excess-and-surplus (E&S) Tech E&O business has been written on its own carrier paper, At-Bay Specialty Insurance Company, since August 2023. 2,3Company-reported. Producer role from the current license page; carrier role from a 2023 transition announcement covering Cyber and Tech E&O together, not confirmed for every current quote. | 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. 5,6Company-reported. Prime Tech and Prime Tech Plus overview PDFs. |
| Risk Services | Every At-Bay Tech E&O policy includes access to At-Bay Stance, a security platform with vulnerability monitoring, vCISO advisory and tabletop exercises, and security awareness training, the same InsurSec package structure marketed with its cyber product. Managed detection and response (MDR) is a separate purchase sold by At-Bay Security, LLC. 1Company-reported. Product-page InsurSec and footnote descriptions; MDR pricing is described as estimated and subject to change. | 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. |
