CNA Small Business Insurance: Products, Agents and Service
CNA directs small-business buyers to independent agents and describes CNA Connect as a businessowners policy for more than 600 small-business classes. Issuer and availability vary by policy and state, so confirm both in a quote. 1,2,3
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. 5,6,7
What Is Cyber Insurance?
Cyber insurance can help pay covered response costs and claims against your business after a cyber incident. If your business relies on data, software or outside providers, compare response limits, vendor outages and approval rules. 13,14
Key Differences in Cyber Insurance
Product Tiers, Eligibility, and Carrier
Cowbell’s product PDFs distinguish Prime tiers by revenue and risk profile and name different insurers across the line. The PDFs state limits up to $10 million for select Prime One risks; Prime 100 and Prime 250 should be checked against their own schedules because the reviewed PDFs do not give base figures. CNA describes Epack 3 for small and midsize businesses and EPS Plus for professional-services firms. Request the named product, carrier and schedule for each proposal. 8 10 11 4
Security Services Included With the Policy
Cowbell’s Prime 100 overview lists Cowbell Factors risk ratings, Cowbell Resiliency Services, Cowbell Insights guidance, Cowbell Connectors and first-year Wizer training. CNA describes CyberAssist specialists and tools, along with breach coaches, forensics and notification vendors. This compares a named product’s preparation tools with CNA’s vulnerability and incident-response resources; confirm which services attach to the policy being quoted. 8 4
What to Confirm in Cyber Insurance Quotes
- Ask Cowbell which Prime product and carrier are proposed, and confirm its revenue and state eligibility; ask CNA whether Epack 3 or EPS Plus fits the account. 8 11 4
- Compare the Prime 100 service schedule with CNA’s listed CyberAssist and response resources, then check policy limits and retentions on both quotes. 8 4
CNA and Cowbell Review Scores for 2026
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.
CNA Review Score
Review Score
1 rated source
Customer feedback on CNA is mixed and hard to compare. NerdWallet gave it 4.5 out of 5 for manufacturers, while Trustpilot shows about 1.4 out of 5 from 49 mostly self-selected reviews.[1][5]
Read CNA reviewsCowbell Review Score
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 reviewsCNA vs Cowbell Cyber Insurance Compared
CNA vs Cowbell: Cyber Insurance: documented features by provider
| Criteria | CNA Cyber Insurance | Cowbell Prime Cyber Insurance (Prime 100, Prime 100 Pro, Prime 250, Prime One, Prime Plus) |
|---|---|---|
| Role in This Line | Confirm in your quote. | Cowbell operates as an insurance agency that markets its own named 'Prime' cyber product line, rather than distributing another carrier's off-the-shelf policy under its own brand. 8,10,11Company-reported. Product overview PDFs for Prime 100, Prime 100 Pro, Prime 250, Prime One and Prime Plus. |
| Issuing Insurer | Confirm in your quote. | Cowbell says Prime 100 and Prime 100 Pro paper is provided by Palomar Specialty Insurance Company (AM Best A rating), Prime 250 by Palomar Specialty Insurance Company and Chaucer Insurance Company, and Prime One by Chaucer Specialty Insurance Company; the insurer therefore varies by which Prime product is placed. 8,10,11Company-reported. Footer/underwriting statements in each product PDF. |
| Who It’s For | CNA offers EPS Plus for professional-services firms and Epack 3, an admitted modular policy designed for small and midsize businesses that combines cyber, media, technology and professional liability. 4Company-reported. Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US specialty commercial liability Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control. | Cowbell markets Prime 100 (admitted) to SMEs with up to $100M in revenue, Prime 100 Pro (admitted, available in 47 states) to a similar SME band with broader endorsements, Prime 250 (non-admitted) to businesses up to $1B in revenue, and Prime One (non-admitted) to organizations with more advanced digital exposure, typically $250M+ in annual revenue. 8,9,10,11Company-reported. Risk Appetite sections of each PDF. |
| Coverage Features | Confirm in your quote. | Base Prime 100 coverages include security breach liability, social engineering, hardware replacement, business income and extra expense, extortion threats, computer and funds transfer fraud, and restoration of electronic data; Prime One adds affirmative AI-incident and quantum-computing-incident coverage for more advanced digital exposures. 8,11Company-reported. Prime 100 Coverages and Prime One 'Emerging risk coverage' sections; illustrative, subject to the issued policy's terms. |
| Limits and Retentions | Confirm in your quote. | Cowbell states Prime 100 Pro adds endorsements with limits up to $3M, Prime One offers limits up to $10M for select risks, and Prime Plus is an excess layer offering up to $5M above a primary cyber policy; base Prime 100 and Prime 250 limit figures are not published in the reviewed PDFs. 9,11,12Company-reported. Product overview PDFs; actual issued limits depend on underwriting. |
| Risk Services | CNA CyberAssist gives policyholders cybersecurity specialists, tools and services to identify vulnerabilities, strengthen defenses and respond. 4Company-reported. Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US specialty commercial liability Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control. CNA identifies breach coaches, forensic firms and notification/call-center vendors for incident response. 4Company-reported. Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US specialty commercial liability Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control. | Cowbell says every Prime policy includes Cowbell Factors risk ratings, Cowbell Resiliency Services, Cowbell Insights guidance, Cowbell Connectors integrations with cloud/security providers, and complimentary Wizer cybersecurity-awareness training with unlimited seats in the first policy year. 8,10Company-reported. 'The Cowbell Advantage' section, repeated across the reviewed product PDFs. |
| How to Apply | Confirm in your quote. | Cowbell says agents can quote, bind and issue Prime 100 policies in less than five minutes, and that Prime 100 Pro requires only six underwriting questions for accounts under $50M in revenue; Prime products are distributed through appointed agents rather than direct to consumers. 8,9Company-reported. Prime 100 and Prime 100 Pro overview PDFs; speed figures are company-reported, not independently timed. |
| Claims Support | Confirm in your quote. | Cowbell says its in-house cyber claims team has over 80 years of combined claims-handling experience and provides 24/7 in-house claims support from initial triage through resolution. 11,8Company-reported. Prime One 'When an incident occurs' section and 'Expert Claims Support' feature repeated across the product PDFs. |
Related Pages for CNA vs Cowbell Cyber Insurance
Cyber Insurance Pages for CNA and Cowbell
Other Coverage Lines Compared for CNA vs Cowbell
Other Cyber Insurance Provider Comparisons
Sources for CNA vs Cowbell Cyber Insurance
Sources About CNA
- Insurance for Small Businesses. CNA; Insurance for Small Businesses, lines 38-50 and 65-67 (CNA Central and agent route); lines 79-106 (product and stated appetite lists); page footer line 132 (CNA registered service mark). Accessed 2026-09-28.
- CNA Connect Small Businessowners Policy (BOP) | CNA Insurance. CNA; CNA Connect; coverages, product range, services. Accessed 2026-09-28.
- General Disclaimer. CNA; General Disclaimer paragraphs 1 and 5 (HTML lines 24 and 28): CNA describes Continental Casualty Company and its relevant affiliates; references to CNA may include one or more CCC affiliates; each particular policy/product/service is the responsibility only of the specific CNA company that issues or supplies it. Footer line 57 identifies CNA Financial Corporation as trademark registrant. Re-read 2026-09-29. Accessed 2026-09-29.
- Cyber Insurance - Cyber Risk Solutions | CNA Insurance. CNA; Cyber, Media, Technology & Professional Liability; product sections. 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; 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.
- 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 100 Product Overview. Cowbell; Product Overview; Risk Appetite; The Cowbell Advantage; Prime 100 Coverages; 'Paper provided by Palomar Specialty Insurance Company' footer. Accessed 2026-09-23.
- Prime 100 Pro Product Overview. Cowbell; Product Overview; Expanded coverage options; Streamlined process for agents; Confidence that resonates; Available In 47 U.S. States list. Accessed 2026-09-23.
- Prime 250 Product Overview. Cowbell; Product Overview; Confidence at scale; Available in 50 states and D.C. on surplus papers; Prime 250 Coverages. Accessed 2026-09-23.
- Prime One Product Overview. Cowbell; Risk appetite: organizations with more advanced digital exposures, typically $250M+ in annual revenue; core and additional coverage elements; 'written on a non-admitted basis by Chaucer Specialty Insurance Company' footer. Accessed 2026-09-23.
- Prime Plus Product Overview. Cowbell; Product Overview; Why Prime Plus; 'offered on a non-admitted basis with paper provided by AM Best A (Excellent) rated carriers' footer. Accessed 2026-09-23.
Sources for the Cyber Insurance Guide
- Cyber Insurance. Federal Trade Commission; Opening; First-Party and Third-Party Coverage; First-Party Coverage; Third-Party Coverage; What Should Your Cyber Insurance Policy Cover. Accessed 2026-09-16.
- CyberEdge specimen policy. AIG; General Terms §§4–6, PDF pp.3–6; Security and Privacy §1 p.11, §2(l)/(p) p.14, §3 pp.15–18, exclusions p.18; Event Management §1 and §2(h), PDF pp.19–20. Accessed 2026-09-16.
