CFC vs 
Cowbell: How Do They Compare for Tech E&O Insurance?
Cowbell Prime Tech is for technology firms up to $1B in revenue, with limits up to $5M, sold through agents. CFC's Technology package reaches $10,000,000 for start-ups through multinationals and comes with a $0 deductible incident response service.
CFC's Technology package combines E&O, media and cyber with limits up to $10 million and incident response at a $0 deductible, for startups through multinationals. Cowbell's Prime Tech combines E&O and cyber up to $5 million for tech firms up to $1 billion in revenue, with a $5 million excess layer. 2,5,6
What Are the Key Differences Between CFC and Cowbell Tech E&O Insurance?
Higher Single Limit vs Primary Plus Excess
Both combine Tech E&O and cyber in one policy. CFC's Technology package adds media and breach-of-contract and IP cover, publishes a $10 million maximum and includes incident response at a $0 deductible; it says it fits startups, mid-size and multinational tech firms. Cowbell's Prime Tech is sold through agents on a non-admitted basis (outside state guaranty funds), with up to $5 million primary and Prime Tech Plus as a $5 million follow-form excess layer, for tech firms up to $1 billion in revenue. Choose CFC if you need up to $10 million in one policy or have revenue above $1 billion; choose Cowbell if $5 million fits your contracts or you want to stack excess. 5 6 2 1
Contract Wording
Cowbell lists cover for delayed delivery, negligence, misrepresentation, breach of warranty or contract, product failures and software copyright disputes, and says Prime Tech has no exclusions for guarantees, consequential damages or breach of warranties. CFC names breach-of-contract and IP cover in its form but doesn't publish that no-exclusion list. 5 2
What Should You Confirm in CFC and Cowbell Tech E&O Insurance Quotes?
- Ask which insurer issues each policy; neither Cowbell's materials nor CFC's application names one. 5 3
- Compare Cowbell's $5 million primary plus optional $5 million excess with CFC's $10 million maximum against your contract requirements. 5 6 2
- Check that Cowbell's quoted form keeps the no-exclusion wording for warranties and consequential damages. 5
CFC vs Cowbell Tech E&O Insurance Compared
CFC vs Cowbell: Tech E&O Insurance: documented features by provider
| Criteria | CFC Technology Errors & Omissions | Cowbell Prime Tech / Prime Tech Plus |
|---|---|---|
| Limits and Retentions | CFC publishes a maximum errors & omissions/media/cyber limit of $10,000,000 and a maximum commercial general liability limit of $6,000,000 for this product, with a minimum deductible of $0. 2Company-reported. Brochure 'Limits and deductibles' table; the limit and deductible on an individual policy's declarations control. | Cowbell states Prime Tech offers limits up to $5M, and Prime Tech Plus (the excess layer) also offers limits up to $5M above the underlying primary policy. 5,6Company-reported. Product overview PDFs. |
| Who It’s For | CFC says the Technology product is suitable for start-ups, mid-size and multinational tech companies, without publishing a specific revenue or headcount cutoff on the product page. 1Company-reported. Technology product page introduction; actual eligibility for a given applicant depends on underwriting review of the application. | 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. 5,6Company-reported. Risk Appetite sections of both PDFs. |
| How to Apply | The US Technology application asks for company revenue by year, funding-round history, subcontractor and hosting arrangements, and whether multi-factor authentication is enforced for remote network access and email; it is returned to your insurance broker. 3,1Company-reported. Application form Sections 1, 2 and 4; CFC also lists Connect and named API partners as digital trading channels on the product page, which may bypass a paper application for some brokers. | Cowbell says Prime Tech is available on a surplus-lines basis in all 50 states and is distributed through agents rather than direct to businesses. 5Company-reported. 'Prime Tech Coverage Benefits' list, first bullet. |
| Coverage Features | CFC describes coverage for financial loss, bodily injury or property damage arising from a technology company's products and services, plus legal liability for breach of client contracts and IP infringement claims such as copyright and trademark disputes. 2Company-reported. Product brochure feature descriptions; exclusions and conditions are set by the policy wording, which was not reviewed. The cyber portion of the policy includes network and privacy liability, business interruption, data rectification and recreation costs, extortion cover, and social engineering coverage, sitting inside the same Technology package rather than as a separate purchase. 2Company-reported. Product brochure 'Comprehensive cyber cover' section. | Cowbell lists Prime Tech coverage for delay in delivery, negligence, misrepresentation, breach of warranty/contract, product failures, and software copyright disputes, plus associated cyber-related costs like cyber extortion, data restoration, social engineering, and business interruption. 5Company-reported. Prime Tech FAQ, 'What coverage is offered?' and 'other associated costs' lists. Cowbell says Prime Tech includes duty to defend, defense costs for privacy-related regulatory proceedings, contractual-indemnity coverage, expansive breach-of-contract coverage, broad intellectual-property infringement coverage, and no exclusions for guarantees, consequential damages, or breach of warranties. 5Company-reported. 'Prime Tech Coverage Benefits' list; illustrative, subject to the issued policy. |
| Role in This Line | CFC's Technology product is a single package policy for technology companies that bundles errors & omissions liability, breach-of-contract cover, IP infringement and media liability, and cyber cover. 1,2Company-reported. Technology product page and US product brochure; the policy as issued controls the exact scope for any one customer. | Cowbell markets Prime Tech as a non-admitted professional-indemnity product that combines Technology Errors & Omissions (E&O) with cyber coverage in one policy, and Prime Tech Plus as a follow-form excess layer that sits above a primary Tech E&O/cyber policy. 5,6Company-reported. Prime Tech and Prime Tech Plus overview PDFs. |
| Risk Services | Policyholders get access to CFC's incident response service at a $0 deductible, sitting on a limit separate from the main policy limit, plus a free app with dark web monitoring, phishing simulations and network deep scanning. 2Company-reported. Brochure 'Market leading cyber incident response' and 'Response app highlights' sections; CFC calls its incident response team one of the largest in-house teams in the industry, a characterization not independently verified here. | Cowbell says Prime Tech is 'powered by Cowbell Co-Pilot,' its AI-driven assistive underwriting tool, and that policyholders get the same Cowbell Resiliency Services, Cowbell Connectors, and complimentary Wizer cybersecurity-awareness training offered on its cyber products. 5Company-reported. Prime Tech PDF, page 2 (Cowbell Co-Pilot mention) and 'The Cowbell Advantage' list. |
