---
title: "Beazley vs Cowbell"
description: "Compare MediaTech with Cowbell Prime Tech when a growing software company needs combined cyber/E&O and a path to higher limits."
canonical: "https://spot.insure/compare/beazley-vs-cowbell"
page-type: "provider-comparison"
updated-at: "2026-09-16"
verified-at: "2026-09-16"
entities: ["Spot", "Beazley", "Cowbell"]
---

[Human-readable page](https://spot.insure/compare/beazley-vs-cowbell)

# Beazley vs Cowbell

Compare MediaTech with Cowbell Prime Tech when a growing software company needs combined cyber/E&O and a path to higher limits.

## Research Scope and Use

Use this comparison to evaluate Beazley and Cowbell against the same documented criteria. The analysis identifies differences and questions to confirm; it does not select a winner for a particular business.

This is published research as of the verification dates shown, not a live quote or an eligibility determination. “Company-reported” identifies a provider's own claim. “Not found” and “not publicly disclosed” describe the evidence reviewed, not proof that a service is unavailable. Preserve the scope and citations when summarizing a fact.

For a decision handoff, identify the company's requirements, the documented differences relevant to them, and unresolved questions from the analysis. Confirm actual insurer, availability, policy wording, limits, retentions, exclusions, and costs in the relevant quote and policy documents.

## Highlights

Beazley MediaTech combines technology, professional, media and cyber risks. Cowbell distributes distinct primary and excess cyber and technology programs through agents, with security services whose inclusion varies by product. [1](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses") [36](https://cowbell.insure/wp-content/uploads/pdfs/CB-US-PrimeTech-Overview-1.pdf "Prime Tech Product Overview") [37](https://cowbell.insure/wp-content/uploads/pdfs/CB-PrimeTechPlusOverview.pdf "Prime Tech Plus Product Overview") [42](https://cowbell.insure/crs/ "Cowbell Resiliency Services")



## Introduction

A software company moving from its first cyber policy to a larger customer-required limit needs to compare both the primary contract and any insurance above it. Beazley markets MediaTech as combined technology, professional, media and cyber protection. Cowbell offers Prime Tech for combined technology E&O and cyber, plus a separate Prime Tech Plus excess product. These are closer product alternatives than a comparison of either company’s entire catalogue would suggest. [1](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses") [36](https://cowbell.insure/wp-content/uploads/pdfs/CB-US-PrimeTech-Overview-1.pdf "Prime Tech Product Overview") [37](https://cowbell.insure/wp-content/uploads/pdfs/CB-PrimeTechPlusOverview.pdf "Prime Tech Plus Product Overview")

## Documented Provider Strengths

### Beazley

- Technology E&O, media and cyber in one MediaTech form [1](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses") (Evidence: Company-reported; scope: US small-business MediaTech marketing; maximum is advertised capacity, not a guaranteed quote.; verified: 2026-09-16.)
- Execuguard can separate or share executive-risk limits [10](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary "Execuguard (Combined EPL, D&O, and Fiduciary)") (Evidence: Company-reported; scope: US Execuguard; no assertion every coverage is included in every quote.; verified: 2026-09-16.)

### Cowbell

- A range of primary and excess cyber programs serves different business sizes and risk profiles, with eligibility and terms varying by program. [29](https://cowbell.insure/broker-resources/ "Broker Resources") [31](https://cowbell.insure/wp-content/uploads/pdfs/CB-Prime100-Overview.pdf "Prime 100 Product Overview") [32](https://cowbell.insure/wp-content/uploads/pdfs/CB-Prime100Pro-Overview.pdf "Prime 100 Pro Product Overview") [33](https://cowbell.insure/wp-content/uploads/pdfs/CB-Prime250-Overview.pdf "Prime 250 Product Overview") [34](https://cowbell.insure/wp-content/uploads/pdfs/CB-US-PrimeOne-Overview.pdf "Prime One Product Overview") [35](https://cowbell.insure/wp-content/uploads/pdfs/CB-PrimePlus-Overview.pdf "Prime Plus Product Overview") (Evidence: Company-reported; scope: Current U.S. broker-resource catalogue and product overviews. Product descriptions are illustrative and actual forms control.; verified: 2026-09-15.)
- Cowbell pairs cyber insurance with risk insights, training and security services. Included services vary; some require a subscription. [42](https://cowbell.insure/crs/ "Cowbell Resiliency Services") [31](https://cowbell.insure/wp-content/uploads/pdfs/CB-Prime100-Overview.pdf "Prime 100 Product Overview") [35](https://cowbell.insure/wp-content/uploads/pdfs/CB-PrimePlus-Overview.pdf "Prime Plus Product Overview") (Evidence: Company-reported; scope: Current U.S. resiliency-services catalogue and cyber product overviews. Eligibility, third-party terms and whether a service is bundled depend on the policy and service agreement.; verified: 2026-09-15.)

## Coverage Comparison

| Coverage Type | Beazley | Cowbell |
| --- | --- | --- |
| Commercial property | Listed [15](https://www.beazley.com/en-us/products/property-usa/north-american-commercial-property "North American Commercial Property") | Not listed |
| Crime | Listed [11](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity") | Listed [38](https://cowbell.insure/mgmt-liability/ "Management Liability Coverage For Small And Medium Enterprises") [39](https://www.zurichna.com/insurance/excess-and-surplus/small-business-management-liability "Small And Midsize Business Management Liability") |
| Cyber liability | Listed [1](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses") [9](https://www.beazley.com/en-us/products/small-business-solutions-usa/cyber-breach-solutions-small-businesses "Full Spectrum Cyber for Small Businesses") | Listed [31](https://cowbell.insure/wp-content/uploads/pdfs/CB-Prime100-Overview.pdf "Prime 100 Product Overview") [32](https://cowbell.insure/wp-content/uploads/pdfs/CB-Prime100Pro-Overview.pdf "Prime 100 Pro Product Overview") [33](https://cowbell.insure/wp-content/uploads/pdfs/CB-Prime250-Overview.pdf "Prime 250 Product Overview") [34](https://cowbell.insure/wp-content/uploads/pdfs/CB-US-PrimeOne-Overview.pdf "Prime One Product Overview") [35](https://cowbell.insure/wp-content/uploads/pdfs/CB-PrimePlus-Overview.pdf "Prime Plus Product Overview") |
| Directors and officers | Listed [10](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary "Execuguard (Combined EPL, D&O, and Fiduciary)") | Listed [38](https://cowbell.insure/mgmt-liability/ "Management Liability Coverage For Small And Medium Enterprises") [39](https://www.zurichna.com/insurance/excess-and-surplus/small-business-management-liability "Small And Midsize Business Management Liability") |
| Employment practices liability | Listed [10](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary "Execuguard (Combined EPL, D&O, and Fiduciary)") | Listed [38](https://cowbell.insure/mgmt-liability/ "Management Liability Coverage For Small And Medium Enterprises") [39](https://www.zurichna.com/insurance/excess-and-surplus/small-business-management-liability "Small And Midsize Business Management Liability") |
| Fidelity bonds | Listed [11](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime "Crime and Fidelity") | Not listed |
| Fiduciary liability | Listed [10](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary "Execuguard (Combined EPL, D&O, and Fiduciary)") | Listed [38](https://cowbell.insure/mgmt-liability/ "Management Liability Coverage For Small And Medium Enterprises") [39](https://www.zurichna.com/insurance/excess-and-surplus/small-business-management-liability "Small And Midsize Business Management Liability") |
| General liability | Listed [17](https://www.beazley.com/en-us/products/environmental-usa/environmental-package-policy "Environmental Package Policy (BeazleyOne Environmental)") [13](https://www.beazley.com/en-us/products/healthcare-usa/virtual-care "Virtual Care") | Not listed |
| Hired and non-owned auto | Listed [17](https://www.beazley.com/en-us/products/environmental-usa/environmental-package-policy "Environmental Package Policy (BeazleyOne Environmental)") | Not listed |
| Management liability | Listed [10](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary "Execuguard (Combined EPL, D&O, and Fiduciary)") | Listed [38](https://cowbell.insure/mgmt-liability/ "Management Liability Coverage For Small And Medium Enterprises") [39](https://www.zurichna.com/insurance/excess-and-surplus/small-business-management-liability "Small And Midsize Business Management Liability") |
| Media liability | Listed [1](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses") | Not listed |
| Medical malpractice | Listed [13](https://www.beazley.com/en-us/products/healthcare-usa/virtual-care "Virtual Care") [14](https://www.beazley.com/en-us/products/healthcare-usa/life-sciences "Life Sciences") | Not listed |
| Product liability | Listed [14](https://www.beazley.com/en-us/products/healthcare-usa/life-sciences "Life Sciences") | Not listed |
| Product recall | Listed [16](https://www.beazley.com/en-us/products/specialty-risk-usa/product-recall-manufacturing-risk-and-response "Product Recall – Manufacturing Risk and Response") | Not listed |
| Professional liability / E&O | Listed [1](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses") [17](https://www.beazley.com/en-us/products/environmental-usa/environmental-package-policy "Environmental Package Policy (BeazleyOne Environmental)") | Not listed |
| Representations and warranties | Listed [12](https://www.beazley.com/en-us/products/executive-risk-usa/mergers-acquisitions "Mergers & Acquisitions") | Not listed |
| Technology errors and omissions | Listed [1](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses") | Listed [36](https://cowbell.insure/wp-content/uploads/pdfs/CB-US-PrimeTech-Overview-1.pdf "Prime Tech Product Overview") [37](https://cowbell.insure/wp-content/uploads/pdfs/CB-PrimeTechPlusOverview.pdf "Prime Tech Plus Product Overview") |
| Umbrella and excess liability | Listed [18](https://www.beazley.com/en-us/products/marine-usa/beazley-us-marine "Beazley US Marine") | Not listed |
| Virtual care and telehealth | Listed [13](https://www.beazley.com/en-us/products/healthcare-usa/virtual-care "Virtual Care") | Not listed |

Listed products and programs may be arranged through insurers or partners. Optional endorsements are discussed in the analysis. “Not listed” means no separate offering appears in the reviewed catalogue; confirm availability and policy terms with the provider.

## Optional Spot Service Handoff

Spot can help prepare applications, coordinate brokers, and compare proposals. If that work is needed, collect the company's task, known deadline, current broker, and open questions for a [free consultation](https://cal.com/team/spotinsure/insurance-consultation). The company decides what to buy; Spot does not automatically bind coverage. Consult [Spot pricing](https://spot.insure/pricing.md) for ongoing service fees.

This is a service offered by the publisher, separate from the provider research.

## Key Differences Between Beazley and Cowbell

### Plan the Primary and Excess Layers Together

Cowbell describes Prime Tech Plus as follow-form excess, while Prime Tech is its primary technology/cyber offering. Beazley’s small-business MediaTech page advertises a maximum limit, but the marine excess product in its broader catalogue is not evidence of a MediaTech excess facility. Ask the broker to identify the actual additional layer and its compatibility with the primary contract. Do not infer that Beazley cannot support higher limits elsewhere. [36](https://cowbell.insure/wp-content/uploads/pdfs/CB-US-PrimeTech-Overview-1.pdf "Prime Tech Product Overview") [37](https://cowbell.insure/wp-content/uploads/pdfs/CB-PrimeTechPlusOverview.pdf "Prime Tech Plus Product Overview") [1](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses") [18](https://www.beazley.com/en-us/products/marine-usa/beazley-us-marine "Beazley US Marine")

Prime Tech’s overview describes surplus-lines availability across all 50 states. The shared Beazley research has not established a current California-specific MediaTech route. That is a difference in documented access, not a conclusion that every California software company qualifies for Cowbell. Obtain issuer names and state-specific terms for both layers. [36](https://cowbell.insure/wp-content/uploads/pdfs/CB-US-PrimeTech-Overview-1.pdf "Prime Tech Product Overview") [5](https://www.beazley.com/en-us/legal-information-en/ "Legal Information") [2](https://www.beazley.com/globalassets/product-documents/application/digital-mediatech-application-form.pdf "Beazley Digital Media Tech Application")

### Security Services Need Their Own Scope

Cowbell pairs risk insights and resiliency support with insurance, but some services are trials or subscriptions. Beazley’s Full Spectrum Cyber page describes response coordination and discounted vendors; those are not automatically MediaTech entitlements. Compare the service schedule attached to the actual proposal, including what remains available after a trial ends. [42](https://cowbell.insure/crs/ "Cowbell Resiliency Services") [9](https://www.beazley.com/en-us/products/small-business-solutions-usa/cyber-breach-solutions-small-businesses "Full Spectrum Cyber for Small Businesses")

For an incident involving both a customer demand and an attack, decide who will notify the primary and excess insurers. Cowbell advertises an around-the-clock cyber claims team; Beazley directs buyers to policy notice instructions first. Neither description demonstrates a better settlement result or replaces the reporting terms of an excess contract. [41](https://cowbell.insure/claims-services/ "Claims And Incident Response Services") [8](https://www.beazley.com/en-us/notify-a-claim/ "Notify a Claim")

### Management Coverage Is Another Placement

Cowbell’s Zurich Select Plus and Beazley’s Execuguard offer management modules, but with different documented product and access structures. Zurich’s investment in Cowbell does not make Zurich the insurer of every Cowbell cyber policy. Keep the executive-risk issuer, application and limits separate from the technology tower. [39](https://www.zurichna.com/insurance/excess-and-surplus/small-business-management-liability "Small And Midsize Business Management Liability") [24](https://cowbell.insure/blog/our-next-era-cowbell-closes-60m-series-c-round/ "Our Next Era — Cowbell Closes $60M Series C Round") [10](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary "Execuguard (Combined EPL, D&O, and Fiduciary)")

## What to Confirm in Quotes

- Does the proposed excess follow the selected E&O, cyber and media sections, and what must happen before it pays? [37](https://cowbell.insure/wp-content/uploads/pdfs/CB-PrimeTechPlusOverview.pdf "Prime Tech Plus Product Overview") [1](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses")
- Which California-approved placement route and legal insurer apply to each layer? [36](https://cowbell.insure/wp-content/uploads/pdfs/CB-US-PrimeTech-Overview-1.pdf "Prime Tech Product Overview") [5](https://www.beazley.com/en-us/legal-information-en/ "Legal Information")
- Which security services are included for the full term, and who reports a mixed technology/cyber claim to every insurer? [42](https://cowbell.insure/crs/ "Cowbell Resiliency Services") [41](https://cowbell.insure/claims-services/ "Claims And Incident Response Services") [9](https://www.beazley.com/en-us/products/small-business-solutions-usa/cyber-breach-solutions-small-businesses "Full Spectrum Cyber for Small Businesses") [8](https://www.beazley.com/en-us/notify-a-claim/ "Notify a Claim")



## Service Comparison

Beazley vs Cowbell: documented services and availability.

| Criteria | Beazley | Cowbell |
| --- | --- | --- |
| Application process | Beazley describes MediaTech placement through third-party platforms or email. Its posted application requests the business’s services and products, employee count, US and non-US revenues, financial statements and expected business changes. A submitted application does not establish acceptance or an effective policy. [1](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses") [2](https://www.beazley.com/globalassets/product-documents/application/digital-mediatech-application-form.pdf "Beazley Digital Media Tech Application") (Evidence: Company-reported; scope: Published small-business placement description and F00859 042022; no application submitted or binding time tested.; verified: 2026-09-16.) | A U.S. buyer works through an insurance agent or broker. Cowbell provides a state-filtered agent directory, while appointed agents use Cowbell's platform to quote, bind and issue eligible products; no direct-to-buyer quote path was documented in the reviewed sources. [28](https://cowbell.insure/find-an-agent/ "Find An Agent") [21](https://cowbell.insure/ "Cowbell") [29](https://cowbell.insure/broker-resources/ "Broker Resources") [31](https://cowbell.insure/wp-content/uploads/pdfs/CB-Prime100-Overview.pdf "Prime 100 Product Overview") (Evidence: Company-reported; scope: Current public U.S. buyer and broker paths. This does not establish that every listed agent can access every Cowbell product.; verified: 2026-09-15.) |
| Availability | The reviewed MediaTech product page, application and US legal disclosures do not establish a current California-specific MediaTech form, admitted or surplus-lines route, or applicant eligibility. A California trade-name and license disclosure alone does not answer those product questions. [1](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses") [2](https://www.beazley.com/globalassets/product-documents/application/digital-mediatech-application-form.pdf "Beazley Digital Media Tech Application") [5](https://www.beazley.com/en-us/legal-information-en/ "Legal Information") [6](https://www.beazley.com/globalassets/dwp/beazley-terms-of-use/ "US Web Services Terms of Use") (Evidence: Not found in reviewed sources; scope: Reviewed public documents as of 2026-09-16; no California regulator product filing or issued quote inspected.; verified: 2026-09-16.)<br><br>Beazley says its M&A team can underwrite and place transactions in all 50 US states. That company-reported statement includes California for M&A, but does not establish MediaTech availability or acceptance of a particular transaction. [12](https://www.beazley.com/en-us/products/executive-risk-usa/mergers-acquisitions "Mergers & Acquisitions") (Evidence: Company-reported; scope: M&A product only; independently verified state authorization not established.; verified: 2026-09-16.) | Cowbell publishes producer and surplus-lines license lists covering all 50 states and the District of Columbia, but a license is not product availability. Current materials separately describe Prime 100 Pro in 47 states, Prime 250 nationwide on surplus or excess paper, and Prime Tech surplus-lines availability in all 50 states. [25](https://cowbell.insure/state-licenses/ "License Information") [26](https://cdicloud.insurance.ca.gov/cal/BusinessNameSearch "Business Name Search") [32](https://cowbell.insure/wp-content/uploads/pdfs/CB-Prime100Pro-Overview.pdf "Prime 100 Pro Product Overview") [33](https://cowbell.insure/wp-content/uploads/pdfs/CB-Prime250-Overview.pdf "Prime 250 Product Overview") [36](https://cowbell.insure/wp-content/uploads/pdfs/CB-US-PrimeTech-Overview-1.pdf "Prime Tech Product Overview") (Evidence: Company-reported; scope: Company-published U.S. licensing and current product availability. A California regulator search for the producer was blocked by CAPTCHA, so the agency's current national license status was not independently confirmed.; verified: 2026-09-15.) |
| Access to insurers | The posted Digital Media Tech application names Beazley Insurance Company, Inc. Beazley’s broader disclosures also describe surplus-lines business through Beazley Excess and Surplus Insurance, Inc. or Beazley-managed Lloyd’s syndicates. The actual MediaTech insurer and California placement basis must be identified in the quote. [2](https://www.beazley.com/globalassets/product-documents/application/digital-mediatech-application-form.pdf "Beazley Digital Media Tech Application") [7](https://www.beazley.com/globalassets/product-documents/beazley-us-contingency-toolkit.pdf "US Contingency Toolkit") (Evidence: Company-reported; scope: Application F00859 042022 and general US toolkit disclosure; no blanket insurer assignment.; verified: 2026-09-16.) | Cowbell's materials name Palomar Specialty Insurance Company for Prime 100 and Prime 100 Pro, Palomar and Chaucer Specialty Insurance Company for Prime 250, and Chaucer for Prime One. Prime Plus and Prime Tech Plus name only A-rated carrier paper, while the Select Plus page says Zurich admitted paper without naming the issuing legal entity. [31](https://cowbell.insure/wp-content/uploads/pdfs/CB-Prime100-Overview.pdf "Prime 100 Product Overview") [32](https://cowbell.insure/wp-content/uploads/pdfs/CB-Prime100Pro-Overview.pdf "Prime 100 Pro Product Overview") [33](https://cowbell.insure/wp-content/uploads/pdfs/CB-Prime250-Overview.pdf "Prime 250 Product Overview") [34](https://cowbell.insure/wp-content/uploads/pdfs/CB-US-PrimeOne-Overview.pdf "Prime One Product Overview") [35](https://cowbell.insure/wp-content/uploads/pdfs/CB-PrimePlus-Overview.pdf "Prime Plus Product Overview") [37](https://cowbell.insure/wp-content/uploads/pdfs/CB-PrimeTechPlusOverview.pdf "Prime Tech Plus Product Overview") [38](https://cowbell.insure/mgmt-liability/ "Management Liability Coverage For Small And Medium Enterprises") [27](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=3880&event=companyProfile "Palomar Specialty Insurance Company — Company Profile") (Evidence: Company-reported; scope: Named paper providers in the current reviewed product materials. The quote and policy must identify the actual insurer for a specific product, state and account.; verified: 2026-09-15.) |
| Servicing and renewals | Beazley publishes a MediaTech renewal application. The reviewed renewal form and product page do not establish a guaranteed renewal, dedicated account manager, or turnaround commitment for policy changes. [4](https://www.beazley.com/globalassets/product-documents/application/beazley-media-tech-renewal-app-us.pdf "Beazley MediaTech Renewal Application") [1](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/ "MediaTech for Small Businesses") (Evidence: Company-reported; scope: Public renewal document and service description; no policyholder account or service performance tested.; verified: 2026-09-16.)<br><br>Full Spectrum Cyber for small businesses combines Beazley Breach Response with security tools and services. Beazley describes incident-response coordination and discounted vendor services. Its myBeazley quote-and-bind route is for brokers handling accounts below $35 million in revenue and limits no higher than $5 million; these are cyber-route criteria, not MediaTech eligibility rules. [9](https://www.beazley.com/en-us/products/small-business-solutions-usa/cyber-breach-solutions-small-businesses "Full Spectrum Cyber for Small Businesses") (Evidence: Company-reported; scope: Small-business Full Spectrum Cyber only; services, costs and entitlements depend on actual arrangements.; verified: 2026-09-16.) | Cowbell describes continuous risk ratings, policyholder insights, security connectors, cybersecurity training and resiliency support alongside its cyber products. Some services are complimentary or limited to a trial or first policy year; managed detection, penetration testing, identity monitoring and compliance support also appear as subscription services for qualified customers. [42](https://cowbell.insure/crs/ "Cowbell Resiliency Services") [31](https://cowbell.insure/wp-content/uploads/pdfs/CB-Prime100-Overview.pdf "Prime 100 Product Overview") [35](https://cowbell.insure/wp-content/uploads/pdfs/CB-PrimePlus-Overview.pdf "Prime Plus Product Overview") (Evidence: Company-reported; scope: Current U.S. resiliency-services catalogue and cyber product overviews. Eligibility, third-party terms and whether a service is bundled depend on the policy and service agreement.; verified: 2026-09-15.)<br><br>Cowbell's FAQ directs policyholders to their agent for cancellation and directs agents to Cowbell for endorsements. It describes different renewal workflows: Prime 100 proposals are generated roughly 60 days before expiration, while Prime 250 requires a signed renewal application and underwriting review before a quote is released. [40](https://cowbell.insure/faqs/ "Frequently Asked Questions") (Evidence: Company-reported; scope: Current public FAQ for P100 and P250; other products and individual policy terms may use different servicing and renewal procedures.; verified: 2026-09-15.) |
| Claims assistance | Beazley directs customers to check their policy’s notification instructions first. Its website provides a notice-of-loss form and a US claims email route. The existence of these channels does not establish claims-handling quality or a promise that a loss is covered. [8](https://www.beazley.com/en-us/notify-a-claim/ "Notify a Claim") (Evidence: Company-reported; scope: Public US notice channels; no claim submitted or outcomes independently assessed.; verified: 2026-09-16.) | Cowbell says its in-house cyber claims team and incident-response panel are available around the clock. Its public intake instructions ask for the policy number or company name, the incident date and details, and a point of contact; coverage and claim payment still depend on the issuing insurer and policy. [41](https://cowbell.insure/claims-services/ "Claims And Incident Response Services") [31](https://cowbell.insure/wp-content/uploads/pdfs/CB-Prime100-Overview.pdf "Prime 100 Product Overview") [34](https://cowbell.insure/wp-content/uploads/pdfs/CB-US-PrimeOne-Overview.pdf "Prime One Product Overview") (Evidence: Company-reported; scope: Cowbell's current U.S. cyber claims-services page and product overviews; company-reported service description, not an independently measured outcome.; verified: 2026-09-15.) |

## Related Reading

- [What Is Beazley?](https://spot.insure/insurance-providers/beazley)
- [What Is Cowbell Insurance?](https://spot.insure/insurance-providers/cowbell)

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- [Beazley vs Heffernan](https://spot.insure/compare/beazley-vs-heffernan)
- [Beazley vs Hiscox](https://spot.insure/compare/beazley-vs-hiscox)
- [Beazley vs HUB International](https://spot.insure/compare/beazley-vs-hub-international)
- [Beazley vs Kinro](https://spot.insure/compare/beazley-vs-kinro)
- [Beazley vs Layr](https://spot.insure/compare/beazley-vs-layr)
- [Beazley vs Lockton](https://spot.insure/compare/beazley-vs-lockton)
- [Beazley vs Marsh](https://spot.insure/compare/beazley-vs-marsh)
- [Beazley vs Mylo](https://spot.insure/compare/beazley-vs-mylo)
- [Beazley vs Newfront](https://spot.insure/compare/beazley-vs-newfront)
- [Beazley vs ERGO NEXT Insurance](https://spot.insure/compare/beazley-vs-next-insurance)
- [Beazley vs Pie Insurance](https://spot.insure/compare/beazley-vs-pie-insurance)
- [Beazley vs Relm Insurance](https://spot.insure/compare/beazley-vs-relm)
- [Beazley vs Resilience](https://spot.insure/compare/beazley-vs-resilience)
- [Beazley vs RiskCube](https://spot.insure/compare/beazley-vs-riskcube)
- [Beazley vs Risklytics](https://spot.insure/compare/beazley-vs-risklytics)
- [Beazley vs StartupInsurance.ai](https://spot.insure/compare/beazley-vs-startupinsurance)
- [Beazley vs TechInsurance](https://spot.insure/compare/beazley-vs-techinsurance)
- [Beazley vs The Hartford](https://spot.insure/compare/beazley-vs-the-hartford)
- [Beazley vs Travelers Insurance](https://spot.insure/compare/beazley-vs-travelers)
- [Beazley vs USI](https://spot.insure/compare/beazley-vs-usi)
- [Beazley vs Vouch](https://spot.insure/compare/beazley-vs-vouch)
- [Beazley vs WithCoverage](https://spot.insure/compare/beazley-vs-withcoverage)
- [CFC vs Cowbell](https://spot.insure/compare/cfc-vs-cowbell)
- [Chubb vs Cowbell](https://spot.insure/compare/chubb-vs-cowbell)
- [Coalition vs Cowbell](https://spot.insure/compare/coalition-vs-cowbell)
- [Corgi vs Cowbell](https://spot.insure/compare/corgi-vs-cowbell)
- [Coterie Insurance vs Cowbell](https://spot.insure/compare/coterie-vs-cowbell)
- [Coverdash vs Cowbell](https://spot.insure/compare/coverdash-vs-cowbell)
- [Cowbell vs Embroker](https://spot.insure/compare/cowbell-vs-embroker)
- [Cowbell vs Founder Shield](https://spot.insure/compare/cowbell-vs-foundershield)
- [Cowbell vs Gallagher](https://spot.insure/compare/cowbell-vs-gallagher)
- [Cowbell vs Harper](https://spot.insure/compare/cowbell-vs-harper)
- [Cowbell vs Heffernan](https://spot.insure/compare/cowbell-vs-heffernan)
- [Cowbell vs Hiscox](https://spot.insure/compare/cowbell-vs-hiscox)
- [Cowbell vs HUB International](https://spot.insure/compare/cowbell-vs-hub-international)
- [Cowbell vs Kinro](https://spot.insure/compare/cowbell-vs-kinro)
- [Cowbell vs Layr](https://spot.insure/compare/cowbell-vs-layr)
- [Cowbell vs Lockton](https://spot.insure/compare/cowbell-vs-lockton)
- [Cowbell vs Marsh](https://spot.insure/compare/cowbell-vs-marsh)
- [Cowbell vs Mylo](https://spot.insure/compare/cowbell-vs-mylo)
- [Cowbell vs Newfront](https://spot.insure/compare/cowbell-vs-newfront)
- [Cowbell vs ERGO NEXT Insurance](https://spot.insure/compare/cowbell-vs-next-insurance)
- [Cowbell vs Pie Insurance](https://spot.insure/compare/cowbell-vs-pie-insurance)
- [Cowbell vs Relm Insurance](https://spot.insure/compare/cowbell-vs-relm)
- [Cowbell vs Resilience](https://spot.insure/compare/cowbell-vs-resilience)
- [Cowbell vs RiskCube](https://spot.insure/compare/cowbell-vs-riskcube)
- [Cowbell vs Risklytics Insurance](https://spot.insure/compare/cowbell-vs-risklytics)
- [Cowbell vs StartupInsurance.ai](https://spot.insure/compare/cowbell-vs-startupinsurance)
- [Cowbell vs TechInsurance](https://spot.insure/compare/cowbell-vs-techinsurance)
- [Cowbell vs The Hartford](https://spot.insure/compare/cowbell-vs-the-hartford)
- [Cowbell vs Travelers Insurance](https://spot.insure/compare/cowbell-vs-travelers)
- [Cowbell vs USI](https://spot.insure/compare/cowbell-vs-usi)
- [Cowbell vs Vouch](https://spot.insure/compare/cowbell-vs-vouch)
- [Cowbell vs WithCoverage](https://spot.insure/compare/cowbell-vs-withcoverage)

## Sources

### [Beazley Official Website](https://www.beazley.com/en-us/)

1. [MediaTech for Small Businesses](https://www.beazley.com/en-US/products/small-business-solutions-usa/mediatech-for-small-businesses/). Beazley; What we offer; How can we help; Tools & Resources. Accessed 2026-09-16.
2. [Beazley Digital Media Tech Application](https://www.beazley.com/globalassets/product-documents/application/digital-mediatech-application-form.pdf). Beazley; F00859, 042022 edition, pages 1–2: notice, general information and revenue information. Accessed 2026-09-16.
3. [Beazley MediaTech Sample Policy](https://www.beazley.com/globalassets/product-documents/policy-form/beazley-media-tech-policy-us.pdf). Beazley; F00731, 022019 edition; printed pages 14, 16–18: definitions and exclusions (PDF pages 15, 17–19). Accessed 2026-09-16.
4. [Beazley MediaTech Renewal Application](https://www.beazley.com/globalassets/product-documents/application/beazley-media-tech-renewal-app-us.pdf). Beazley; F00729, 022019 edition; page 1, title and claims-made notice. Accessed 2026-09-16.
5. [Legal Information](https://www.beazley.com/en-us/legal-information-en/). Beazley; Website conditions: US jurisdiction availability, surplus lines and policy wording disclaimers; Beazley plc identity. Accessed 2026-09-16.
6. [US Web Services Terms of Use](https://www.beazley.com/globalassets/dwp/beazley-terms-of-use/). Beazley; Page 1: operating entities and California insurance license table. Accessed 2026-09-16.
7. [US Contingency Toolkit](https://www.beazley.com/globalassets/product-documents/beazley-us-contingency-toolkit.pdf). Beazley; PDF page 13: Event Tech Protect disclaimer; page 26: Disclaimer US (BZPAC211). Accessed 2026-09-16.
8. [Notify a Claim](https://www.beazley.com/en-us/notify-a-claim/). Beazley; Policy-first guidance; Submit a Notice of Loss; US email directory. Accessed 2026-09-16.
9. [Full Spectrum Cyber for Small Businesses](https://www.beazley.com/en-us/products/small-business-solutions-usa/cyber-breach-solutions-small-businesses). Beazley; What we offer; Responsive Cyber; Vendor Services; Small and medium sized businesses. Accessed 2026-09-16.
10. [Execuguard (Combined EPL, D&O, and Fiduciary)](https://www.beazley.com/en-us/products/executive-risk-usa/execuguard-combined-epl-do-and-fiduciary). Beazley; What we offer: separate/shared limits; admitted/non-admitted; How can we help. Accessed 2026-09-16.
11. [Crime and Fidelity](https://www.beazley.com/en-us/products/executive-risk-usa/fidelity-and-crime). Beazley; What we offer: Commercial Crime versus Financial Fidelity Bonds; fraudulent instruction condition. Accessed 2026-09-16.
12. [Mergers & Acquisitions](https://www.beazley.com/en-us/products/executive-risk-usa/mergers-acquisitions). Beazley; What we offer: representations/warranties, target customers and 50-state statement. Accessed 2026-09-16.
13. [Virtual Care](https://www.beazley.com/en-us/products/healthcare-usa/virtual-care). Beazley; Available Coverages; Who we can help; Where is this offered. Accessed 2026-09-16.
14. [Life Sciences](https://www.beazley.com/en-us/products/healthcare-usa/life-sciences). Beazley; What we offer; Our Coverages; Who we can help. Accessed 2026-09-16.
15. [North American Commercial Property](https://www.beazley.com/en-us/products/property-usa/north-american-commercial-property). Beazley; Coverage highlights; Who we can help; Where is this offered. Accessed 2026-09-16.
16. [Product Recall – Manufacturing Risk and Response](https://www.beazley.com/en-us/products/specialty-risk-usa/product-recall-manufacturing-risk-and-response). Beazley; What we offer; Who we can help; Where is this offered. Accessed 2026-09-16.
17. [Environmental Package Policy (BeazleyOne Environmental)](https://www.beazley.com/en-us/products/environmental-usa/environmental-package-policy). Beazley; Key Coverages; Additional Coverages; Who we can help. Accessed 2026-09-16.
18. [Beazley US Marine](https://www.beazley.com/en-us/products/marine-usa/beazley-us-marine). Beazley; What we offer: Marine Hull and Marine Liability; primary and excess. Accessed 2026-09-16.
19. [US Specialty Programs](https://www.beazley.com/en-us/products/specialty-risk-usa/us-specialty-programs). Beazley; What we offer; Who we can help; Where is this offered. Accessed 2026-09-16.
20. [Explore All Products](https://www.beazley.com/en-us/products/). Beazley; US product directory, all product categories including Small Business Solutions and Reinsurance. Accessed 2026-09-16.

### [Cowbell Official Website](https://cowbell.insure/)

21. [Cowbell](https://cowbell.insure/). Cowbell; What We Do; Assess, Insure, Respond and Improve; U.S. navigation; footer legal disclosure. Accessed 2026-09-15.
22. [Terms And Conditions](https://cowbell.insure/terms/). Cowbell; Opening paragraphs identifying Cowbell Cyber, Inc. and its subsidiaries; Paid Services §3; footer producer disclosure. Accessed 2026-09-15.
23. [Company](https://cowbell.insure/about-cowbell/). Cowbell; Technology That Signals Protection; Backed By Prominent Venture And Growth Investors; office locations; footer legal disclosure. Accessed 2026-09-15.
24. [Our Next Era — Cowbell Closes $60M Series C Round](https://cowbell.insure/blog/our-next-era-cowbell-closes-60m-series-c-round/). Cowbell; 26 July 2024 announcement describing Zurich as a Series C investor and partner. Accessed 2026-09-15.
25. [License Information](https://cowbell.insure/state-licenses/). Cowbell; Cowbell Insurance Agency LLC producer and surplus-lines license lists for 50 states and the District of Columbia; footer availability qualification. Accessed 2026-09-15.
26. [Business Name Search](https://cdicloud.insurance.ca.gov/cal/BusinessNameSearch). California Department of Insurance; Search for Cowbell Insurance Agency on 15 September 2026 returned ‘Captcha validation failed’; no license result was obtained. Accessed 2026-09-15.
27. [Palomar Specialty Insurance Company — Company Profile](https://interactive.web.insurance.ca.gov/companyprofile/companyprofile?doFunction=getCompanyProfile&eid=3880&event=companyProfile). California Department of Insurance; Company information: NAIC 20338, California ID 1969-5, Unlimited-Normal status, property-and-casualty company, Oregon domicile. Accessed 2026-09-15.
28. [Find An Agent](https://cowbell.insure/find-an-agent/). Cowbell; State selector and directory of appointed U.S. agents and brokers. Accessed 2026-09-15.
29. [Broker Resources](https://cowbell.insure/broker-resources/). Cowbell; Current U.S. sales enablement catalogue listing Prime 100, Prime 100 Pro, Prime 250, Prime One, Prime Plus, Prime Tech and Prime Tech Plus materials. Accessed 2026-09-15.
30. [Cowbell Overview](https://cowbell.insure/wp-content/uploads/pdfs/CB-CowbellOverview.pdf). Cowbell; Our Products: cyber, Professional Indemnity, Zurich management liability and Cowbell Resiliency Services; product-level qualifications. Accessed 2026-09-15.
31. [Prime 100 Product Overview](https://cowbell.insure/wp-content/uploads/pdfs/CB-Prime100-Overview.pdf). Cowbell; PDF pp. 1–4: admitted standalone cyber for businesses up to $100 million revenue; Palomar paper; coverage descriptions; US0001 1025 disclaimer. Accessed 2026-09-15.
32. [Prime 100 Pro Product Overview](https://cowbell.insure/wp-content/uploads/pdfs/CB-Prime100Pro-Overview.pdf). Cowbell; PDF pp. 1–4: admitted cyber for businesses up to $100 million; enhanced options and $3 million limit; 47-state list; Palomar paper; US0001 0826 disclaimer. Accessed 2026-09-15.
33. [Prime 250 Product Overview](https://cowbell.insure/wp-content/uploads/pdfs/CB-Prime250-Overview.pdf). Cowbell; PDF pp. 1–4: non-admitted standalone cyber for businesses up to $1 billion; 50 states and D.C.; Palomar and Chaucer paper; illustrative-coverage disclaimer. Accessed 2026-09-15.
34. [Prime One Product Overview](https://cowbell.insure/wp-content/uploads/pdfs/CB-US-PrimeOne-Overview.pdf). Cowbell; PDF pp. 1–3: non-admitted cyber for advanced digital exposures, typically $250 million-plus revenue; selected risks up to $10 million; Chaucer Specialty; US0001 0426. Accessed 2026-09-15.
35. [Prime Plus Product Overview](https://cowbell.insure/wp-content/uploads/pdfs/CB-PrimePlus-Overview.pdf). Cowbell; PDF pp. 1–2: non-admitted follow-form excess cyber for businesses up to $1 billion; up to $5 million excess limits; unnamed A-rated carriers; US0001 0226. Accessed 2026-09-15.
36. [Prime Tech Product Overview](https://cowbell.insure/wp-content/uploads/pdfs/CB-US-PrimeTech-Overview-1.pdf). Cowbell; PDF pp. 1–4: non-admitted combined Technology E&O and cyber for technology businesses up to $1 billion; up to $5 million; surplus lines in 50 states; US0001 1025. Accessed 2026-09-15.
37. [Prime Tech Plus Product Overview](https://cowbell.insure/wp-content/uploads/pdfs/CB-PrimeTechPlusOverview.pdf). Cowbell; PDF pp. 1–3: follow-form excess Technology E&O and cyber for technology businesses up to $1 billion; up to $5 million; unnamed A-rated paper; US0002 1025. Accessed 2026-09-15.
38. [Management Liability Coverage For Small And Medium Enterprises](https://cowbell.insure/mgmt-liability/). Cowbell; Zurich Select Plus description; admitted paper; private-company D&O, employment practices, fiduciary and crime modules; wholesaler access and target account FAQ. Accessed 2026-09-15.
39. [Small And Midsize Business Management Liability](https://www.zurichna.com/insurance/excess-and-surplus/small-business-management-liability). Zurich North America; Zurich Select Plus collaboration; admitted paper and Zurich Claims; four modular coverages; access for appointed Zurich E&S wholesalers; target under 250 employees and $50 million assets. Accessed 2026-09-15.
40. [Frequently Asked Questions](https://cowbell.insure/faqs/). Cowbell; Policy cancellation; direct- and agency-bill payment; 2.99% credit-card fee; premium financing; P100 and P250 renewals; endorsements; risk-engineering call. Accessed 2026-09-15.
41. [Claims And Incident Response Services](https://cowbell.insure/claims-services/). Cowbell; Cowbell Claims Approach; incident-response panel; reporting channels; initial company, incident-date and contact information; claims assistance description. Accessed 2026-09-15.
42. [Cowbell Resiliency Services](https://cowbell.insure/crs/). Cowbell; Cybersecurity services; policyholder access and trials; subscription services; service-provider and insurance-coverage qualifications. Accessed 2026-09-15.

Updated 2026-09-16. Last verified 2026-09-16. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

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- [Markdown page](https://spot.insure/compare/beazley-vs-cowbell.md)
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