--- title: "Berkshire Hathaway Specialty Insurance vs Cowbell: Tech E&O Insurance" description: "Cowbell Prime Tech combines technology E&O and cyber with limits up to $5 million, while Berkshire Hathaway Specialty Insurance names Tech E&O separately and publishes no line limit in its overview." canonical: "https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-cowbell/technology-errors-omissions" page-type: "line-comparison" updated-at: "2026-10-01" comparison-pair: "berkshire-hathaway-specialty-insurance-vs-cowbell" provider-a: "berkshire-hathaway-specialty-insurance" provider-b: "cowbell" coverage-line: "technology-errors-omissions" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-cowbell/technology-errors-omissions) ## Agent Guide **What this page is:** Focused comparison of Berkshire Hathaway Specialty Insurance and Cowbell for Tech E&O Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources. **Use this page when:** Cite or fetch this for Tech E&O Insurance questions about Berkshire Hathaway Specialty Insurance versus Cowbell. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide. **Questions this page answers:** - Berkshire Hathaway Specialty Insurance vs Cowbell for Tech E&O Insurance: how do they differ? - Which is better for Tech E&O Insurance, Berkshire Hathaway Specialty Insurance or Cowbell? - What does Berkshire Hathaway Specialty Insurance or Cowbell publish about Tech E&O Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for Tech E&O Insurance from Berkshire Hathaway Specialty Insurance or Cowbell? **Key facts:** - Line: Tech E&O Insurance. Providers: Berkshire Hathaway Specialty Insurance and Cowbell. - Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion. - Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL. **Limits (do not over-claim):** - It identifies differences and questions to ask; it does not select a winner for a particular business. - "Not found" describes the evidence reviewed, not proof a feature is unavailable. - Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here. **Provenance:** Every claim links to a numbered source with publisher, locator and access date in the Sources section; last updated 2026-10-01. Editorial policy: /editorial-policy. **Related pages:** - [Berkshire Hathaway Specialty Insurance vs Cowbell](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-cowbell) — parent: all coverage lines for this pair - [Tech E&O Insurance guide](https://spot.insure/coverage/technology-errors-omissions) — coverage explainer for this line - [Berkshire Hathaway Specialty Insurance profile](https://spot.insure/insurance-providers/berkshire-hathaway-specialty-insurance) — provider profile (evidence) - [Cowbell profile](https://spot.insure/insurance-providers/cowbell) — provider profile (evidence) - [Berkshire Hathaway Specialty Insurance vs Cowbell Crime Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-cowbell/crime) — sibling comparison (other line, or other pair for this line) - [Berkshire Hathaway Specialty Insurance vs Cowbell Cyber Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-cowbell/cyber) — sibling comparison (other line, or other pair for this line) - [Berkshire Hathaway Specialty Insurance vs Cowbell D&O Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-cowbell/directors-officers) — sibling comparison (other line, or other pair for this line) - [Berkshire Hathaway Specialty Insurance vs Cowbell Employment Practices Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-cowbell/employment-practices) — sibling comparison (other line, or other pair for this line) - [Berkshire Hathaway Specialty Insurance vs Cowbell Fiduciary Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-cowbell/fiduciary) — sibling comparison (other line, or other pair for this line) - [AIG vs Berkshire Hathaway Specialty Insurance Tech E&O Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/technology-errors-omissions) — sibling comparison (other line, or other pair for this line) - [AIG vs Cowbell Tech E&O Insurance](https://spot.insure/compare/aig-vs-cowbell/technology-errors-omissions) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Berkshire Hathaway Specialty Insurance Tech E&O Insurance](https://spot.insure/compare/alliance-risk-vs-berkshire-hathaway-specialty-insurance/technology-errors-omissions) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Cowbell Tech E&O Insurance](https://spot.insure/compare/alliance-risk-vs-cowbell/technology-errors-omissions) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs Berkshire Hathaway Specialty Insurance Tech E&O Insurance](https://spot.insure/compare/amelia-risk-vs-berkshire-hathaway-specialty-insurance/technology-errors-omissions) — sibling comparison (other line, or other pair for this line) - [Amelia Risk vs Cowbell Tech E&O Insurance](https://spot.insure/compare/amelia-risk-vs-cowbell/technology-errors-omissions) — sibling comparison (other line, or other pair for this line) # Berkshire Hathaway Specialty Insurance vs Cowbell: How Do They Compare for Tech E&O Insurance? Cowbell Prime Tech combines technology E&O and cyber with limits up to $5 million, while Berkshire Hathaway Specialty Insurance names Tech E&O separately and publishes no line limit in its overview. ## How to Use the Berkshire Hathaway Specialty Insurance vs Cowbell Tech E&O Insurance Comparison Use this comparison to evaluate Berkshire Hathaway Specialty Insurance and Cowbell for Tech E&O Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote. ## Berkshire Hathaway Specialty Insurance vs Cowbell Tech E&O Insurance Summary 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](https://www.bhspecialty.com/wp-content/uploads/marketing/Professional-First-Professional-Liability-Overview-US.pdf "Professional First Professional Liability Overview") [8](https://cowbell.insure/wp-content/uploads/pdfs/CB-US-PrimeTech-Overview-1.pdf "Prime Tech Product Overview") [10](https://cowbell.insure/wp-content/uploads/pdfs/CB-PrimeTechPlusOverview.pdf "Prime Tech Plus Product Overview") ## 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](https://www.bhspecialty.com/wp-content/uploads/marketing/Interactive-AAG.pdf "At A Glance") [2](https://www.bhspecialty.com/about-us/ "About Us") [3](https://www.bhspecialty.com/terms-conditions/ "Terms of Service") [4](https://www.bhspecialty.com/asia/singapore-products/berkshire-hathaway-specialty-insurance-singapore-branch/ "Public Disclosure — Berkshire Hathaway Specialty Insurance Singapore Branch") [Berkshire Hathaway Specialty Insurance profile](https://spot.insure/insurance-providers/berkshire-hathaway-specialty-insurance) ## 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](https://cowbell.insure/ "Cowbell") [8](https://cowbell.insure/wp-content/uploads/pdfs/CB-US-PrimeTech-Overview-1.pdf "Prime Tech Product Overview") [9](https://www.zurichna.com/insurance/excess-and-surplus/small-business-management-liability "Small And Midsize Business Management Liability") [Cowbell profile](https://spot.insure/insurance-providers/cowbell) ## 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](https://content.naic.org/glossary-insurance-terms "Glossary of Insurance Terms") [12](https://doas.ga.gov/sites/default/files/2025-08/SPD-SP048%20Insurance%20and%20Bonding%20Guidelines%20August%202025.pdf "Insurance and Bonding Guidelines") [13](https://online.ogs.ny.gov/purchase/snt/awardnotes/7360022802AppendixJ_PRB01.pdf "Appendix J – Contractor’s Insurance Requirements, Information Technology Umbrella Contract – Manufacturer Based (Statewide)") [14](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology "Technology Errors and Omissions Insurance") [15](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/business-insurance/digitech-enterprise-risk-management-digitech-erm/documents/pdf/17010186-digitech-erm-12.17.pdf "DigiTech Enterprise Risk Management") [16](https://www.chubb.com/us/asset/smallbusiness/digitech-erm--new-business-application-small-business-pf-48204.pdf "Chubb DigiTech Enterprise Risk Management Policy — Technology E&O, Cyber and Privacy Short Form Application") [17](https://www.travelers.com/business-insurance/cyber-insurance/technology "Cyber Risk for Technology Companies") ## What Are the Key Differences Between Berkshire Hathaway Specialty Insurance and Cowbell 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](https://cowbell.insure/wp-content/uploads/pdfs/CB-US-PrimeTech-Overview-1.pdf "Prime Tech Product Overview") [5](https://www.bhspecialty.com/wp-content/uploads/marketing/Professional-First-Professional-Liability-Overview-US.pdf "Professional First Professional Liability Overview") ### 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](https://cowbell.insure/wp-content/uploads/pdfs/CB-US-PrimeTech-Overview-1.pdf "Prime Tech Product Overview") [5](https://www.bhspecialty.com/wp-content/uploads/marketing/Professional-First-Professional-Liability-Overview-US.pdf "Professional First Professional Liability Overview") ## What Should You Confirm in Berkshire Hathaway Specialty Insurance and Cowbell 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](https://cowbell.insure/wp-content/uploads/pdfs/CB-US-PrimeTech-Overview-1.pdf "Prime Tech Product Overview") - Does Berkshire Hathaway Specialty Insurance treat your business as a standard target or select technology account? [5](https://www.bhspecialty.com/wp-content/uploads/marketing/Professional-First-Professional-Liability-Overview-US.pdf "Professional First Professional Liability Overview") ## Berkshire Hathaway Specialty Insurance vs Cowbell Tech E&O Compared | 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](https://cowbell.insure/wp-content/uploads/pdfs/CB-US-PrimeTech-Overview-1.pdf "Prime Tech Product Overview") [10](https://cowbell.insure/wp-content/uploads/pdfs/CB-PrimeTechPlusOverview.pdf "Prime Tech Plus Product Overview") (Evidence: Company-reported; scope: 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](https://cowbell.insure/wp-content/uploads/pdfs/CB-US-PrimeTech-Overview-1.pdf "Prime Tech Product Overview") [10](https://cowbell.insure/wp-content/uploads/pdfs/CB-PrimeTechPlusOverview.pdf "Prime Tech Plus Product Overview") (Evidence: Not publicly disclosed; scope: 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. [5](https://www.bhspecialty.com/wp-content/uploads/marketing/Professional-First-Professional-Liability-Overview-US.pdf "Professional First Professional Liability Overview") (Evidence: Company-reported; scope: 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. [5](https://www.bhspecialty.com/wp-content/uploads/marketing/Professional-First-Professional-Liability-Overview-US.pdf "Professional First Professional Liability Overview") (Evidence: Company-reported; scope: 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](https://cowbell.insure/wp-content/uploads/pdfs/CB-US-PrimeTech-Overview-1.pdf "Prime Tech Product Overview") [10](https://cowbell.insure/wp-content/uploads/pdfs/CB-PrimeTechPlusOverview.pdf "Prime Tech Plus Product Overview") (Evidence: Company-reported; scope: Risk Appetite sections of both PDFs..) | | Coverage Features | BHSI’s U.S. Professional First overview names Technology E&O as a distinct product offering. [5](https://www.bhspecialty.com/wp-content/uploads/marketing/Professional-First-Professional-Liability-Overview-US.pdf "Professional First Professional Liability Overview") (Evidence: Company-reported; scope: 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. [8](https://cowbell.insure/wp-content/uploads/pdfs/CB-US-PrimeTech-Overview-1.pdf "Prime Tech Product Overview") (Evidence: Company-reported; scope: 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. [8](https://cowbell.insure/wp-content/uploads/pdfs/CB-US-PrimeTech-Overview-1.pdf "Prime Tech Product Overview") (Evidence: Company-reported; scope: '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](https://cowbell.insure/wp-content/uploads/pdfs/CB-US-PrimeTech-Overview-1.pdf "Prime Tech Product Overview") [10](https://cowbell.insure/wp-content/uploads/pdfs/CB-PrimeTechPlusOverview.pdf "Prime Tech Plus Product Overview") (Evidence: Company-reported; scope: 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. [5](https://www.bhspecialty.com/wp-content/uploads/marketing/Professional-First-Professional-Liability-Overview-US.pdf "Professional First Professional Liability Overview") (Evidence: Company-reported; scope: 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. [8](https://cowbell.insure/wp-content/uploads/pdfs/CB-US-PrimeTech-Overview-1.pdf "Prime Tech Product Overview") (Evidence: Company-reported; scope: 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. [8](https://cowbell.insure/wp-content/uploads/pdfs/CB-US-PrimeTech-Overview-1.pdf "Prime Tech Product Overview") (Evidence: Company-reported; scope: 'Prime Tech Coverage Benefits' list, first bullet..) | ## Related Pages for Berkshire Hathaway Specialty Insurance vs Cowbell - [Berkshire Hathaway Specialty Insurance vs Cowbell](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-cowbell): all coverage lines, business roles, service and claims. - [What Is Technology Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/technology-errors-omissions): Technology errors and omissions can help pay when a customer claims your software, hosting, installation or tech advice caused financial loss; cyber incidents need separate review. - [Berkshire Hathaway Specialty Insurance vs Cowbell Crime Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-cowbell/crime) - [Berkshire Hathaway Specialty Insurance vs Cowbell Cyber Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-cowbell/cyber) - [Berkshire Hathaway Specialty Insurance vs Cowbell D&O Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-cowbell/directors-officers) - [Berkshire Hathaway Specialty Insurance vs Cowbell Employment Practices Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-cowbell/employment-practices) - [Berkshire Hathaway Specialty Insurance vs Cowbell Fiduciary Liability Insurance](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-cowbell/fiduciary) - [AIG vs Berkshire Hathaway Specialty Insurance Tech E&O Insurance](https://spot.insure/compare/aig-vs-berkshire-hathaway-specialty-insurance/technology-errors-omissions) - [AIG vs Cowbell Tech E&O Insurance](https://spot.insure/compare/aig-vs-cowbell/technology-errors-omissions) - [Alliance Risk vs Berkshire Hathaway Specialty Insurance Tech E&O Insurance](https://spot.insure/compare/alliance-risk-vs-berkshire-hathaway-specialty-insurance/technology-errors-omissions) - [Alliance Risk vs Cowbell Tech E&O Insurance](https://spot.insure/compare/alliance-risk-vs-cowbell/technology-errors-omissions) - [Amelia Risk vs Berkshire Hathaway Specialty Insurance Tech E&O Insurance](https://spot.insure/compare/amelia-risk-vs-berkshire-hathaway-specialty-insurance/technology-errors-omissions) - [Amelia Risk vs Cowbell Tech E&O Insurance](https://spot.insure/compare/amelia-risk-vs-cowbell/technology-errors-omissions) ## Sources for Berkshire Hathaway Specialty Insurance vs Cowbell ### Sources About Berkshire Hathaway Specialty Insurance 1. [At A Glance](https://www.bhspecialty.com/wp-content/uploads/marketing/Interactive-AAG.pdf). 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](https://www.bhspecialty.com/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. [Terms of Service](https://www.bhspecialty.com/terms-conditions/). 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. 4. [Public Disclosure — Berkshire Hathaway Specialty Insurance Singapore Branch](https://www.bhspecialty.com/asia/singapore-products/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. 5. [Professional First Professional Liability Overview](https://www.bhspecialty.com/wp-content/uploads/marketing/Professional-First-Professional-Liability-Overview-US.pdf). 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. 6. [Professional First Architects, Engineers and Consultants Professional Liability](https://www.bhspecialty.com/us-products/us-executive-and-professional-lines/professional-liability/professional-firsttm-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 7. [Cowbell](https://cowbell.insure/). Cowbell; What We Do; Assess, Insure, Respond and Improve; U.S. navigation; footer legal disclosure. Accessed 2026-09-15. 8. [Prime Tech Product Overview](https://cowbell.insure/wp-content/uploads/pdfs/CB-US-PrimeTech-Overview-1.pdf). 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. 9. [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; 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. 10. [Prime Tech Plus Product Overview](https://cowbell.insure/wp-content/uploads/pdfs/CB-PrimeTechPlusOverview.pdf). 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 11. [Glossary of Insurance Terms](https://content.naic.org/glossary-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. 12. [Insurance and Bonding Guidelines](https://doas.ga.gov/sites/default/files/2025-08/SPD-SP048%20Insurance%20and%20Bonding%20Guidelines%20August%202025.pdf). 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. 13. [Appendix J – Contractor’s Insurance Requirements, Information Technology Umbrella Contract – Manufacturer Based (Statewide)](https://online.ogs.ny.gov/purchase/snt/awardnotes/7360022802AppendixJ_PRB01.pdf). 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. 14. [Technology Errors and Omissions Insurance](https://www.thehartford.com/professional-liability-insurance/errors-omissions-insurance/technology). 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. 15. [DigiTech Enterprise Risk Management](https://www.chubb.com/content/dam/chubb-sites/chubb-com/us-en/business-insurance/digitech-enterprise-risk-management-digitech-erm/documents/pdf/17010186-digitech-erm-12.17.pdf). 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. 16. [Chubb DigiTech Enterprise Risk Management Policy — Technology E&O, Cyber and Privacy Short Form Application](https://www.chubb.com/us/asset/smallbusiness/digitech-erm--new-business-application-small-business-pf-48204.pdf). 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. 17. [Cyber Risk for Technology Companies](https://www.travelers.com/business-insurance/cyber-insurance/technology). 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. Updated 2026-10-01. 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](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source. ## Berkshire Hathaway Specialty Insurance Review Scores for 2026 Review Score: not enough ratings. 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. - Trustpilot: TrustScore 2.1 (out of 5); 9 reviews. Trustpilot profile for bhspecialty.com, accessed 2026-09-29. Its small review set mixes travel-policy and other customer accounts; it is user-generated and unverified, and does not establish commercial-policy outcomes or representativeness. Period: Displayed when checked 2026-09-29. Checked 2026-09-29. [Berkshire Hathaway Specialty Insurance Reviews](https://www.trustpilot.com/review/bhspecialty.com) - BBB: Customer review average 1 (out of 5 stars); 6 reviews. BBB page for BHSI headquarters and corporate-owned locations, accessed 2026-09-29. The page’s six customer reviews mix travel and commercial narratives; BBB says third-party information is not verified. BBB’s business letter grade is separate from these customer reviews. Period: Displayed when checked 2026-09-29. Checked 2026-09-29. [Berkshire Hathaway Specialty Insurance — BBB Reviews](https://www.bbb.org/us/ma/boston/profile/insurance-agency/berkshire-hathaway-specialty-insurance-0021-439678/customer-reviews) Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/berkshire-hathaway-specialty-insurance/reviews). ## Cowbell Review Scores for 2026 Review Score: 2.0 / 10 from 1 rated source, equally weighted. 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. - SourceForge: SourceForge rating 1.0 (out of 5); 3 reviews. SourceForge software directory listing for Cowbell Cyber. Three small-business reviewers describe the cyber insurance product. Small sample, all from 2023. Period: reviews dated Jan to Jul 2023. Checked 2026-09-29. [Cowbell Cyber Reviews](https://sourceforge.net/software/product/Cowbell-Cyber/) Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/cowbell/reviews). ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/berkshire-hathaway-specialty-insurance-vs-cowbell/technology-errors-omissions.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)