Berkshire Hathaway Specialty Insurance vs Cowbell: How Do They Compare for Tech E&O Insurance?

Cowbell Prime Tech combines E&O and cyber and lists limits up to $5 million; Berkshire Hathaway Specialty Insurance names Technology E&O as a distinct product and identifies target classes. ^5,^8,¹⁰

What Is Berkshire Hathaway Specialty Insurance?

BHSI provides commercial and specialty insurance in the U.S., with product-specific industry lists that include healthcare, energy and technology. Online quote and application submissions are nonbinding. ^1,^2,^3,⁴

Read the Berkshire Hathaway Specialty Insurance profile

Read the Berkshire Hathaway Specialty Insurance Tech E&O Insurance page

What Is Cowbell Insurance?

Cowbell suits small and midsize businesses seeking cyber options by company size, with technology E&O and Zurich management-liability options also available; firms needing broad commercial coverage should compare a full-service broker. Some security services cost extra. ^7,^8,⁹

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Read the Cowbell Tech E&O Insurance page

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

Technology errors and omissions coverage can help pay when a customer claims your software, hosting, installation or technology advice caused financial loss. If you provide tech products or services, check each activity; cyber incidents and unrelated professional work need separate review. ^11,^12,^13,^14,^15,^16,¹⁷

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Key Differences in Tech E&O Insurance

Combined Coverage and Capacity

Cowbell’s Prime Tech combines technology E&O and cyber; its overview lists limits up to $5 million, with a separate excess product also up to $5 million above a primary policy. Berkshire Hathaway Specialty Insurance names a distinct Technology E&O product but does not publish a line limit in its overview. Compare Cowbell’s combined limit structure with Berkshire Hathaway Specialty Insurance’s actual quote, including which policy layer responds to each exposure. ⁸ ⁵

Target Accounts and Services

Cowbell targets technology firms up to $1 billion in revenue, including SaaS, IT consulting and data analytics, and describes access to resiliency services. Berkshire Hathaway Specialty Insurance lists software design, system integration, IT training and staffing as targets, with managed-service providers and certain consultants selective. Ask Cowbell which services attach to E&O rather than cyber and Berkshire Hathaway Specialty Insurance how your operations fit its class list. ⁸ ⁵

What to Confirm in Tech E&O Insurance Quotes

Is the Cowbell limit you need on Prime Tech’s primary form or the separate excess layer, and which resiliency services apply to the E&O placement? ⁸
Does Berkshire Hathaway Specialty Insurance treat your business as a standard target or select technology account? ⁵

Berkshire Hathaway Specialty Insurance and Cowbell 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 Review Score

-/ 10

Review Score

No reviews found

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]

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Cowbell Review Score

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]

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Berkshire Hathaway Specialty Insurance vs Cowbell Tech E&O Compared

Berkshire Hathaway Specialty Insurance vs Cowbell: Tech E&O Insurance: documented features by provider

Criteria	Professional First Technology E&O	Cowbell Prime Tech / Prime Tech Plus
Role in This Line	Confirm in your 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. ^8,¹⁰Company-reported. Prime Tech and Prime Tech Plus overview PDFs.
Issuing Insurer	Confirm in your quote.	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	The Professional First overview identifies IT training, IT staffing, internet service providers, software design and development, and system integration as Technology Services E&O target customers. ⁵Company-reported. Target classes in the U.S. overview dated 2026-06-03-A; does not make technology consulting, telecommunications consulting or managed-service-provider risks ordinary targets. The same overview separates technology consulting, telecommunications consulting services and managed service providers as select customers. ⁵Company-reported. U.S. selection qualification applies; no general eligibility inference.	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	BHSI’s U.S. Professional First overview names Technology E&O as a distinct product offering. ⁵Company-reported. Named U.S. product in dated overview; terms, form and current transaction availability are not provided by the catalogue listing.	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	Confirm in your quote.	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	The Professional First overview describes an in-house claims group integrated with underwriting and streamlined claim reporting for its professional-line portfolio. ⁵Company-reported. Portfolio-level company-reported service, not technology-specific outcomes or an individual-policy claim promise.	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	Confirm in your quote.	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.

Related Pages for Berkshire Hathaway Specialty Insurance vs Cowbell

Tech E&O Pages for Berkshire Hathaway Specialty Insurance and Cowbell

Other Coverage Lines Compared for Berkshire Hathaway Specialty Insurance vs Cowbell

Other Tech E&O Insurance Provider Comparisons

Sources for Berkshire Hathaway Specialty Insurance vs Cowbell

Sources About Berkshire Hathaway Specialty Insurance

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.
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.
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.
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.
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.
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.

Sources About 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.

Sources for the Tech E&O Insurance Guide

Glossary of Insurance Terms. National Association of Insurance Commissioners; Professional Errors and Omissions Liability; Errors and Omissions Liability | Professional Liability other than Medical. Accessed 2026-09-16.
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.
Appendix J – Contractor’s Insurance Requirements, Information Technology Umbrella Contract – Manufacturer Based (Statewide). New York State Office of General Services; §4 Technology Errors and Omissions, printed p.6 / PDF p.6; claims-made tail note. 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.
Chubb DigiTech Enterprise Risk Management Policy — Technology E&O, Cyber and Privacy Short Form Application. ACE American Insurance Company / Chubb; Claims-made notice p.1; §2 Nature of Operations product/service schedule pp.2–3; §7 Technology E&O pp.4–5; §9–10 current and desired coverage pp.5–6. Accessed 2026-09-16.
Cyber Risk for Technology Companies. Travelers; CyberRisk Tech coverage includes… technology errors and omissions; businesses can choose cyber protection, E&O protection or both; E&O coverage helps address… errors, omissions or negligent acts in the performance of its services. Accessed 2026-09-16.