Get Started

Berkshire Hathaway Specialty Insurance vs Cowbell

Cowbell lists cyber and technology E&O products and access to Zurich management-liability products through appointed wholesalers. BHSI lists a Network Security & Privacy product with eRiskHub access for cyber exposure education and breach planning, and requires an authorized contracted agent to bind. A buyer prioritizing cyber risk services should compare Cowbell’s included and paid service scopes with the actual BHSI quote and any separate service proposal. 25,46,33,1,5,23

Introduction

Cowbell organizes its U.S. insurance pages around cyber products for small and middle-market businesses, with technology E&O and management-liability options also listed. It pairs insurance with Cowbell Resiliency Services, separating complimentary tools from subscription-based offerings such as managed detection and response. BHSI lists a Network Security & Privacy product with eRiskHub access for cyber exposure education and breach planning; the reviewed pages do not establish which services an individual BHSI account receives or that the service scopes are equivalent. BHSI’s terms also say web submissions do not bind and that contracted National Indemnity group agents need state authority to bind or issue. A company looking for cyber insurance plus risk-assessment or monitoring support can compare Cowbell’s service menu and charges against whatever BHSI proposes, while checking each policy’s wording and issuer.

Small and midsize businesses can compare Cowbell cyber options, while middle-market firms can consider broader programs; Prime 100 targets up to $100 million revenue and Prime 250/Tech up to $1 billion. 34,35,36,37,40Company-reported. Published U.S. product appetites; eligibility is subject to underwriting and product-specific class restrictions.

Cowbell pairs cyber coverage with risk ratings, policyholder insights, security connectors, training and resiliency support; included access may be limited or trial-based, while some services require a subscription. 46,35,39Company-reported. 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.

46 23 5

Coverage Comparison

CoverageBerkshire Hathaway Specialty InsuranceCowbell
Builders riskListed 22BHSI’s current U.S. Builder’s Risk page lists construction-project coverage, including hot testing/commissioning, delay and soft-cost features, and selectively considered Master Builder’s Risk programs. Project scope, eligibility, terms and issuer remain policy-specific.Not listed
Cargo and transitListed 9,10BHSI's current Marine catalog lists Ocean Cargo, Stock Throughputs, and Project Cargo. The older US-12/22-A guide lists Project Cargo as out of appetite, so confirm its current status; BHSI lists Inland Marine separately.Not listed
Commercial propertyListed 11,12BHSI lists all-risk commercial property and selected single-peril options, including earthquake, flood, and windstorm.Not listed
CrimeListed 14BHSI lists Commercial Crime within its Executive First Private Company Portfolio’s comprehensive form, alongside D&O, employment-practices, fiduciary and employed-lawyer coverages. The page targets private companies with at least $10 million in revenue; portfolio limits up to $50 million may be shared or separate and are not a crime-specific limit. Crime coverage is distinct from fidelity bonds.Listed 42,43Cowbell offers a crime module in Zurich Select Plus for small and medium private companies, available through appointed Zurich E&S wholesalers.
Cyber liabilityListed 23,18BHSI markets a U.S. Network Security & Privacy product with third-party breach, response-expense and network-interruption features; its Professional First overview also describes stand-alone Cyber and blended E&O/Cyber forms. Product form, eligibility, terms and issuer depend on the risk and policy.Listed 35,36,37,38,39Cowbell offers standalone and excess cyber products through its insurance-agency business.
Directors and officersListed 13,14Executive First D&O liability materials describe separate public-company and private-company products.Listed 42,43Cowbell offers Zurich Select Plus D&O for small and medium private companies, available through appointed Zurich E&S wholesalers.
Employment practices liabilityListed 14BHSI lists employment-practices liability within its Executive First Private Company Portfolio’s comprehensive form, alongside D&O, fiduciary, crime and employed-lawyer coverages. The page targets private companies with at least $10 million in revenue; portfolio limits up to $50 million may be shared or separate and are not an EPL-specific limit.Listed 42,43Cowbell offers Zurich Select Plus employment practices coverage for small and medium private companies, available through appointed Zurich E&S wholesalers.
Fiduciary liabilityListed 14BHSI lists fiduciary liability within its Executive First Private Company Portfolio’s comprehensive form, alongside D&O, employment-practices, crime and employed-lawyer coverages. The page targets private companies with at least $10 million in revenue; portfolio limits up to $50 million may be shared or separate and are not a fiduciary-specific limit.Listed 42,43Cowbell offers Zurich Select Plus fiduciary liability for small and medium private companies, available through appointed Zurich E&S wholesalers.
General liabilityListed 15,16BHSI lists primary general liability, with contractor and pollution features described in its casualty materials.Not listed
Management liabilityNot listedListed 42,43Cowbell provides access to Zurich management liability for private businesses with fewer than 250 employees and under $50 million in assets through Zurich-appointed wholesalers.
Media liabilityListed 18,19BHSI’s Professional First overview names Media Liability, and its architects/engineers product describes media liability only within a specialized combined design-industry form. The overview’s catalogue listing does not establish standalone terms or current account availability.Not listed
Product liabilityListed 15,16BHSI lists primary products and completed-operations liability as a casualty product.Not listed
Professional errors and omissions (E&O)Listed 17,18,19Professional First materials describe a professional-liability portfolio with several professions and service types.Not listed
Representations and warrantiesListed 20,21BHSI lists Representations & Warranties Insurance within its Transactional Liability products.Not listed
Surety bondsListed 24BHSI’s U.S. Surety page lists performance, payment, advance-payment, maintenance, supply and warranty bonds for contractor and construction-supplier accounts. Bond obligations depend on the bond form, principal, obligee and jurisdiction; this catalogue listing does not establish bond approval or terms.Not listed
Technology errors and omissions (E&O)Listed 18,19Professional First materials identify Technology E&O as a professional-liability product.Listed 40,41Cowbell markets combined technology errors and omissions and cyber coverage, plus follow-form excess, for technology businesses with revenue up to $1 billion.
Tools, equipment and inland marineListed 9BHSI lists inland transit, motor-truck cargo, warehouse legal liability, contractor equipment, and floaters under Inland Marine.Not listed
Umbrella and excess liabilityListed 15,16BHSI lists lead umbrella and excess casualty within its U.S. casualty products.Not listed

A listing may be arranged through an insurer or partner. “Not listed” means this catalogue has no separate offering recorded; ask the provider whether it can quote the coverage and request the policy terms.

Current Spot Scores

Each score uses the rubric for that provider’s documented role. Providers with more than one role may have a score for each.

Berkshire Hathaway Specialty Insurance

Carrier

Carrier & MGA

7.0/ 10

Assessed entity: Berkshire Hathaway Specialty Insurance Company. Scope: Berkshire Hathaway Specialty Insurance Company (BHSIC, NAIC 22276) as a U.S. admitted insurer, using Nebraska and New York regulator records and AM Best. It does not cover policies issued by affiliates under the BHSI brand (for example Berkshire Hathaway International Insurance Ltd in the U.K.), and it is not a claims-outcome measure.

Provider assessment

Cowbell

Managing general agent

Carrier & MGA

6.3/ 10

Assessed provider: Cowbell. Scope: Cowbell US cyber and specialty program-administration activity at the named-entity level, centered on Cowbell Insurance Agency LLC as producer/general-agent/MGA activity. Palomar Specialty Insurance Company and Chaucer Specialty Insurance Company are separate external carrier-paper relationships and are not treated as Cowbell-owned risk-bearing entities; Cowbell Cyber, Inc. is brand/operator context.

Provider assessment

Review Scores

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.

Berkshire Hathaway Specialty Insurance

-/ 10

Review Score

The public ratings for Berkshire Hathaway Specialty Insurance are low but thin: Trustpilot shows 2.1 out of 5 from 9 reviews and BBB shows 1 out of 5 from 6. Both mix travel and commercial customers, so we don't count them in a score.[5][7]

Read Berkshire Hathaway Specialty Insurance reviews

Cowbell

2.0/ 10

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 reviews

Key Differences Between Cowbell and Berkshire Hathaway Specialty Insurance

Cyber-Focused Products and Other Commercial Lines

Cowbell’s public menu separates small-business and middle-market cyber options and also lists technology E&O and management liability. BHSI’s U.S. guide spans a wider range of commercial and specialty products. For a company whose immediate concern is a cyber renewal, Cowbell’s focused program structure gives a defined set of questions about primary, excess and technology E&O placement; a buyer seeking several non-cyber lines should compare the broader product combinations each underwriter will quote. Neither provider’s brand-level catalogue promises eligibility or a particular insurer for a risk.

Small and midsize businesses can compare Cowbell cyber options, while middle-market firms can consider broader programs; Prime 100 targets up to $100 million revenue and Prime 250/Tech up to $1 billion. 34,35,36,37,40Company-reported. Published U.S. product appetites; eligibility is subject to underwriting and product-specific class restrictions.

Your policy’s named insurer remains responsible for coverage; Cowbell is an insurance platform and agency that may act as a general agent. Cowbell Insurance Agency LLC identifies itself as a US P&C producer. 25,29,26Company-reported. Cowbell's current U.S. website and producer disclosure; the exact role can vary by product and placement.

BHSI's U.S. industry focus spans real estate, public entities, financial institutions, healthcare, education, manufacturing, retail, logistics, transportation, energy, and technology. The at-a-glance guide associates these industries with particular product segments; it does not say every segment serves every listed industry. 1Company-reported. Company-stated industry focus in the United States section of the At A Glance (U.S. section version 2026-8-03 A); industry lists are segment-specific, not a universal eligibility statement.

23

Cyber-Risk Services and Total Cost

Cowbell divides resiliency services into complimentary tools and subscription-based services. That lets a security lead compare risk assessments, training, vendor review or monitoring with current internal controls, but the buyer should verify which service is included with the selected policy and which needs a separate agreement. BHSI’s Network Security & Privacy page includes eRiskHub access for understanding cyber exposures and planning a breach response. Compare that product-specific resource with the complimentary tools and paid services in Cowbell’s proposal; neither page establishes which services your account will receive or that the service scopes are equivalent. Compare the insurance premium separately from service fees and implementation work.

Cowbell pairs cyber coverage with risk ratings, policyholder insights, security connectors, training and resiliency support; included access may be limited or trial-based, while some services require a subscription. 46,35,39Company-reported. 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.

46 23

Agent Placement and Policy Service

Cowbell says buyers work through an insurance agent or broker, while appointed agents use its platform to quote and bind eligible products. BHSI’s terms say online submissions are nonbinding and only contracted National Indemnity group agents with state authority can bind, issue or change coverage. Ask the named producer how account changes, renewals and cyber incidents are handled, and which insurer decides a claim; neither platform replaces the policy’s notice instructions.

Buyers work through an insurance agent or broker; appointed agents use Cowbell’s platform to quote, bind and issue eligible products, and no direct-buyer quote path was documented. 32,25,33,35Company-reported. Current public U.S. buyer and broker paths. This does not establish that every listed agent can access every Cowbell product.

Ask your agent how to request changes or cancel; Cowbell directs policyholders to agents for cancellations and agents to Cowbell for endorsements. Prime 100 renewal proposals start around 60 days before expiry; Prime 250 requires a signed application and underwriting. 44Company-reported. Current public FAQ for P100 and P250; other products and individual policy terms may use different servicing and renewal procedures.

BHSI's website terms say online application or quote submissions are informational and nonbinding; only contracted agents of the National Indemnity group may bind coverage, issue policies or certificates, or change coverage. Group companies' authority also varies by state, so the terms do not show that every application must begin through an agent. 5Company-reported. The website's own online submissions and binding authority described by BHSI's terms; not a statement about every product's intake process or a claim that purchase can be completed online.

What to Confirm in Quotes

  • Ask Cowbell which cyber program matches revenue and operations, whether Tech E&O is included or separate, and which policy and insurer cover each section. 35 40
  • Identify Cowbell resiliency features included with the policy, the integrations required, and the cost and term of any subscription service. 46
  • Ask BHSI what cyber and professional products are proposed, which underwriter and insurer handle them, and which contracted agent can bind in the relevant state. 1 5
  • Compare limits, waiting periods, retentions, exclusions, incident response vendors, renewal dates and notice requirements in the actual forms. 25 5

Compare Services

What each provider documents about the services you may need

CriteriaBerkshire Hathaway Specialty InsuranceCowbell
Business role

BHSI’s U.S. At A Glance section (version 2026-8-03 A) lists commercial property, casualty, healthcare professional liability, executive and professional lines, surety, travel, programs, employer stop loss, and homeowners insurance. The guide is informational, not policy coverage, and its brand-level list does not identify the insurer on a particular policy. 1,2,5Company-reported. A description of BHSI's U.S. line list in its U.S. At A Glance section (version 2026-8-03 A) only. The guide says its descriptions are informational and are not coverage; its brand-level list does not assign an issuing insurer to a particular product or policy. This is not a claim that one legal insurer issues every BHSI product.

Berkshire Hathaway Specialty Insurance Company (BHSIC) identifies itself in its Singapore-branch public disclosure as a Nebraska-domiciled direct property and casualty insurer, wholly owned by National Indemnity Company, which is wholly owned by Berkshire Hathaway Incorporated. The Singapore-branch disclosure states this ownership chain. A Missouri Department of Insurance record separately lists BHSIC as active, NAIC 22276, and Property and Casualty in Missouri. Neither source identifies BHSIC as the issuer of every BHSI-branded U.S. policy. 3,4,5Company-reported. Company-reported corporate identity and ownership in BHSI's Singapore-branch public disclosure, corroborated for company identity and Missouri P&C authority by the Missouri Department of Insurance record accessed 2026-09-28. Neither source maps BHSIC as issuer for every BHSI-branded U.S. product; use policy-specific documents for that.

Your policy’s named insurer remains responsible for coverage; Cowbell is an insurance platform and agency that may act as a general agent. Cowbell Insurance Agency LLC identifies itself as a US P&C producer. 25,29,26Company-reported. Cowbell's current U.S. website and producer disclosure; the exact role can vary by product and placement.

Cowbell identifies Zurich as a $60 million Series C investor and partner, while Zurich describes Cowbell as its technology collaborator for Select Plus. The reviewed sources do not describe Cowbell as a Zurich subsidiary or say that Zurich underwrites every Cowbell product. 28,43,27Company-reported. Ownership and commercial relationship characterization in Cowbell's 26 July 2024 financing announcement and current Zurich Select Plus page; no capitalization table was available.

Customer focus

BHSI's U.S. industry focus spans real estate, public entities, financial institutions, healthcare, education, manufacturing, retail, logistics, transportation, energy, and technology. The at-a-glance guide associates these industries with particular product segments; it does not say every segment serves every listed industry. 1Company-reported. Company-stated industry focus in the United States section of the At A Glance (U.S. section version 2026-8-03 A); industry lists are segment-specific, not a universal eligibility statement.

Within its U.S. executive-lines commercial and financial segment, BHSI lists publicly traded and large privately owned commercial firms; investment, money-center, national, and regional banks; asset managers; and insurance companies and brokerages. The size description applies to the commercial-firm entry, not every listed institution or all BHSI products. 1Company-reported. Only the U.S. Executive Lines, Commercial & Financial segment, At A Glance p. 50. The “publicly traded and large privately owned” qualifier attaches to the Commercial Firms bullet only.

Small and midsize businesses can compare Cowbell cyber options, while middle-market firms can consider broader programs; Prime 100 targets up to $100 million revenue and Prime 250/Tech up to $1 billion. 34,35,36,37,40Company-reported. Published U.S. product appetites; eligibility is subject to underwriting and product-specific class restrictions.

Application process

BHSI's website terms say online application or quote submissions are informational and nonbinding; only contracted agents of the National Indemnity group may bind coverage, issue policies or certificates, or change coverage. Group companies' authority also varies by state, so the terms do not show that every application must begin through an agent. 5Company-reported. The website's own online submissions and binding authority described by BHSI's terms; not a statement about every product's intake process or a claim that purchase can be completed online.

Buyers work through an insurance agent or broker; appointed agents use Cowbell’s platform to quote, bind and issue eligible products, and no direct-buyer quote path was documented. 32,25,33,35Company-reported. Current public U.S. buyer and broker paths. This does not establish that every listed agent can access every Cowbell product.

Sources

Berkshire Hathaway Specialty Insurance Official Website

  1. At A Glance. Berkshire Hathaway Specialty Insurance; United States section, zero-based PDF pages 49–53 (viewer pages 50–54): product/industry lists on pages 49–50; U.S. disclosure/version footer on page 53 is 2026-8-03 A. The 2026-09-14 A footer is on preceding European page 48, not the U.S. section. Accessed 2026-09-29.
  2. About Us. Berkshire Hathaway Specialty Insurance; About BHSI; company profile page re-opened through official site on 2026-09-28; company says it is part of National Indemnity group. Accessed 2026-09-28.
  3. Public Disclosure — Berkshire Hathaway Specialty Insurance Singapore Branch. Berkshire Hathaway Specialty Insurance; Singapore branch public disclosure, Company Profile ¶¶ 1–2; direct page opened 2026-09-28. ¶ 1 identifies BHSIC as a Nebraska-domiciled direct P&C insurer; ¶ 2 states BHSIC is wholly owned by National Indemnity Company, itself wholly owned by Berkshire Hathaway Incorporated. Accessed 2026-09-28.
  4. Company Details — Berkshire Hathaway Specialty Insurance Company. Missouri Department of Insurance; Company Details fields: legal name, active license status, NAIC number 22276, and Property and Casualty description; Missouri regulator record also lists 2025 property-casualty lines. Accessed 2026-09-28. Accessed 2026-09-28.
  5. Terms of Service. Berkshire Hathaway Specialty Insurance; Important Information Concerning Use of this Web Site, paragraphs 2–4; nonbinding submissions, contracted-agent authority, state variation, product availability and policy-specific terms. Accessed 2026-09-28.
  6. United States. Berkshire Hathaway Specialty Insurance; United States products directory, opened 2026-09-28. Rendered page lists U.S. category links and Casualty/Property headings (lines 6–44); this directory view is navigation, not the linked product pages or a full review of product materials. Accessed 2026-09-28.
  7. Claims — United States. Berkshire Hathaway Specialty Insurance; Claims Reporting, lines 34–91; separate product-specific directions, then “All other claims” email, 24-hour toll-free phone, postal/overnight mail. Accessed 2026-09-28.
  8. Claims Excellence — United States. Berkshire Hathaway Specialty Insurance; Claims Service Standards, version US 2024-10-07A in footer/document end; page 2 lines 30–34 describe coverage discussion and third-party settlement communications. Accessed 2026-09-28.
  9. Marine. Berkshire Hathaway Specialty Insurance; Inland and ocean marine product list, covered property classes and target businesses; lines 18-69. Accessed 2026-09-28.
  10. Ocean Marine Cargo Overview. Berkshire Hathaway Specialty Insurance; Two-page U.S. marketing PDF marked US-12/22-A; product types lines 14-20; ocean marine cargo appetite, capacity and placement lines 43-57; out-of-appetite and target risk characteristics lines 58-72; terms disclaimer lines 103-114. Accessed 2026-09-28.
  11. Property. Berkshire Hathaway Specialty Insurance; All-risk, single-peril, catastrophe, inland/ocean marine and builder's risk offerings; target account descriptions. Accessed 2026-09-28.
  12. General Property Appetite Guide. Berkshire Hathaway Specialty Insurance; Page 1: minimum premium, product/forms, territory, attachment and working capacity; page 2 footer identifies 2026-02-10 A; lines 0-9, 89-99. Accessed 2026-09-28.
  13. Executive First Directors & Officers Liability Insurance. Berkshire Hathaway Specialty Insurance; Product Highlights: government investigations, shareholder derivative actions, late-notice qualification, defense counsel selection; Top Targets: large commercial and financial firms, lines 6–19. Accessed 2026-09-28.
  14. Executive First Private Company Portfolio. Berkshire Hathaway Specialty Insurance; Product Highlights: D&O, EPL, Fiduciary, Commercial Crime and Employed Lawyers in one comprehensive form; shared or separate limits to $50m; EPL First services. Top Targets: private companies at $10m+ revenues and listed industries, lines 11–25. Portfolio limit is not a separate line limit. Accessed 2026-09-28.
  15. Casualty Appetite Guide - U.S. Berkshire Hathaway Specialty Insurance; Casualty appetite PDF page 1: $50K minimum premium, GL/products/lead umbrella/excess lines, selected $10M excess capacity, placement forms and target/avoided classes; guide dated 2026-07-15. Accessed 2026-09-28.
  16. Casualty. Berkshire Hathaway Specialty Insurance; US casualty product lines and features: Primary General Liability lines 10-34; Primary Products/Completed Operations Liability 35-44; Lead Umbrella and Excess Casualty 46-63. Accessed 2026-09-28.
  17. Professional First Professional Liability. Berkshire Hathaway Specialty Insurance; U.S. Professional Liability landing page links Professional Liability / Network Security & Privacy, stand-alone Network Security & Privacy, and Architects, Engineers and Consultants PL, lines 6–15; footer copyright © 2026. Accessed 2026-09-28.
  18. Professional First Professional Liability Overview. Berkshire Hathaway Specialty Insurance; PDF pp.1–2: claims group and reporting; primary blended E&O/Cyber and stand-alone Cyber forms; line capacity statement; named Lawyers PL, Technology E&O, Miscellaneous PL, Media Liability, Network Security & Privacy; named technology-services target types and selection categories; dated 2026-06-03-A. Group capacity not a line policy limit. Source version: 2026-06-03-A. Accessed 2026-09-28.
  19. Professional First Architects, Engineers and Consultants Professional Liability. Berkshire Hathaway Specialty Insurance; Product Highlights: professional/pollution liability; media, technology and cyber/network security/privacy liability; direct breach/extortion expenses; risk services; primary/excess and project-specific product availability; target professions, lines 6–29. Its combined-form technology feature is not itself a standalone Tech E&O statement. Accessed 2026-09-28.
  20. Transactional Liability. Berkshire Hathaway Specialty Insurance; Product Highlights list R&W, tax, contingent-liability and class-action-settlement insurance; Top Targets list manufacturing, financial institutions, technology, real estate, energy, healthcare and retail, lines 6–27. The target list is for the transactional-liability portfolio, not exclusive R&W eligibility. Accessed 2026-09-28.
  21. Transactional Liability Overview. Berkshire Hathaway Specialty Insurance; PDF pp.1–2: R&W, tax, contingent-liability, and class-action-settlement products; portfolio-wide primary/excess and up-to-$25m capacity; premiums/retentions vary by transaction/risk; portfolio appetite and in-house claims group; R&W buyer-use descriptions; dated 2025-05-16-A. Product-specific limits and final terms not stated. Source version: 2025-05-16-A. Accessed 2026-09-28.
  22. Builder’s Risk. Berkshire Hathaway Specialty Insurance; Current U.S. page: all-risk, hot testing/commissioning, delay/startup/soft costs, single-peril/DIC primary/excess; separate EAR and CAR target categories; Master Builder’s Risk selectively considered, lines 6–35. Reopened 2026-09-28. Accessed 2026-09-28.
  23. Professional First Network Security & Privacy Policy. Berkshire Hathaway Specialty Insurance; Product Highlights: third-party breach exposures, regulatory investigations/fines/penalties, direct breach/extortion expenses, electronic-content media liability, business interruption from network-security failure, eRiskHub; Top Targets: professional-services firms, lines 6–19. Accessed 2026-09-28.
  24. Surety. Berkshire Hathaway Specialty Insurance; Product Highlights name performance, payment, advance-payment, maintenance, supply and warranty bonds; Top Targets name regional/national/global contractors and construction suppliers/services; PPP/project-delivery capability; lines 6–32. Accessed 2026-09-28.

Cowbell Official Website

  1. Cowbell. Cowbell; What We Do; Assess, Insure, Respond and Improve; U.S. navigation; footer legal disclosure. Accessed 2026-09-15.
  2. Terms And Conditions. Cowbell; Opening paragraphs identifying Cowbell Cyber, Inc. and its subsidiaries; Paid Services §3; footer producer disclosure. Accessed 2026-09-15.
  3. Company. Cowbell; Technology That Signals Protection; Backed By Prominent Venture And Growth Investors; office locations; footer legal disclosure. Accessed 2026-09-15.
  4. 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.
  5. License Information. 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.
  6. Business Name Search. California Department of Insurance; License search for Cowbell Insurance Agency. Accessed 2026-09-15.
  7. Palomar Specialty Insurance Company — Company Profile. 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.
  8. Find An Agent. Cowbell; State selector and directory of appointed U.S. agents and brokers. Accessed 2026-09-15.
  9. Broker Resources. Cowbell; Current U.S. sales enablement catalog listing Prime 100, Prime 100 Pro, Prime 250, Prime One, Prime Plus, Prime Tech and Prime Tech Plus materials. Accessed 2026-09-15.
  10. Cowbell Overview. Cowbell; Our Products: cyber, Professional Indemnity, Zurich management liability and Cowbell Resiliency Services; product-level qualifications. Accessed 2026-09-15.
  11. Prime 100 Product Overview. Cowbell; PDF pp. 1–4: admitted standalone cyber for businesses up to $100 million revenue; Palomar paper; coverage descriptions; US0001 1025 disclaimer. Accessed 2026-09-16.
  12. Prime 100 Pro Product Overview. 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 2026-09-16.
  13. Prime 250 Product Overview. 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 2026-09-16.
  14. Prime One Product Overview. 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 2026-09-16.
  15. Prime Plus Product Overview. Cowbell; PDF pp. 1–2: non-admitted follow-form excess cyber for businesses up to $1 billion; up to $5 million excess limits; A-rated carriers; US0001 0226. Accessed 2026-09-16.
  16. Prime Tech Product Overview. 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; edition PRIME TECH US0001 1025. Accessed 2026-09-16.
  17. Prime Tech Plus Product Overview. Cowbell; PDF pp. 1–3: Seamless excess protection: follow-form excess Technology E&O and cyber for technology businesses up to $1 billion; up to $5 million; A-rated paper; edition PRIME PLUS US0002 1025. Accessed 2026-09-16.
  18. Management Liability Coverage For Small And Medium Enterprises. Cowbell; FAQs: How can I access… and What size accounts are targeted?; Cowbell Management Liability introduction; Zurich Select Plus description: admitted paper; private-company D&O, employment practices, fiduciary liability and crime modules. Accessed 2026-09-16.
  19. 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.
  20. Frequently Asked Questions. 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.
  21. Claims And Incident Response Services. Cowbell; Cowbell Claims Approach; incident-response panel; reporting channels; initial company, incident-date and contact information; claims assistance description. Accessed 2026-09-15.
  22. Cowbell Resiliency Services. Cowbell; Cybersecurity services; policyholder access and trials; subscription services; service-provider and insurance-coverage qualifications. Accessed 2026-09-15.

Updated . Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. Editorial policy. To suggest a correction, contact Spot with the page URL and supporting source.

Suggested Comparisons

All Comparisons

Get Help With Insurance Buying and Renewals.

Get help buying coverage and managing renewals, with less paperwork for your team. Start with a free consultation.

Talk to Spot