Cowbell vs Foxquilt

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. ^1,5,2Company-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. ^4,19,3Company-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.

Foxquilt markets a North American small-business insurance platform and describes licensed-broker services. Its terms name Foxquilt Insurance Services Inc. as the website, products and services operator. Its agent page calls Foxquilt a ‘North American Carrier’ and reports admitted CGL paper in 42 U.S. states and seven Canadian provinces, but names no license-holding entity or license identifier there. The reviewed sources do not map the Inc. or the separately listed Foxquilt Insurance Services LLC to a particular U.S. placement, delegated authority or issuing insurer, so the brand’s U.S. regulated role remains unresolved. ^{23,34,35,25,36}Company-reported. Foxquilt brand and the separately named Inc. and LLC; company disclosures accessed through 2026-09-29. License wording is provider-published and was not independently regulator-verified; no exact license identifiers were found in the inspected provider disclosures.

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. ^{10,11,12,13,16}Company-reported. Published U.S. product appetites; eligibility is subject to underwriting and product-specific class restrictions.

Foxquilt says it serves small and midsize businesses and business-to-business networks. Its current CGL and E&O pages name contractors, e-commerce, personal services, consultants, technology and creative professionals, licensed professionals, and beauty and health services as target examples; listed classes are not guarantees of eligibility. ^24,27,28Company-reported. Company-described North American small-business audience and example product classes; actual appetite depends on product, class, state and underwriting.

You can compare Cowbell’s distinct admitted Prime 100/100 Pro, non-admitted Prime 250/Prime One and follow-form excess Prime Plus programs; their revenue fit, limits, coverage and jurisdiction differ. ^{9,11,12,13,14,15}Company-reported. Current U.S. broker-resource catalogue and product overviews. Product descriptions are illustrative and actual forms control.

Cowbell advertises up to $3 million for Prime 100 Pro, up to $10 million for select Prime One risks including AI and quantum exposures, and up to $5 million excess through Prime Plus; underwriting and policy terms control. ^12,14,15Company-reported. Selected differentiators in current U.S. product overviews; these are maximum advertised limits, not guaranteed buyer terms.

Eligible technology firms up to $1 billion revenue can ask about non-admitted Prime Tech, combining Tech E&O and cyber with up to $5 million limits; Prime Tech Plus is a separate excess option up to $5 million. ^16,17Company-reported. Current U.S. Prime Tech and Prime Tech Plus marketing overviews; product appetite and actual terms are subject to underwriting.

Private companies under 250 employees and $50 million assets may consider Zurich Select Plus for D&O, EPL, fiduciary or crime; Zurich says appointed E&S wholesalers use Cowbell’s platform. ^18,19Verified. Current Zurich Select Plus U.S. wholesale offering. Availability through a wholesaler does not guarantee eligibility or inclusion of all four modules.

Use your issued policy to decide what is covered: Cowbell says product overviews are examples only and do not alter coverage, conditions, exclusions, availability or underwriting. ^{11,12,13,14,15,16,17}Company-reported. Disclaimers in the current U.S. Prime 100, Prime 100 Pro, Prime 250, Prime One, Prime Plus, Prime Tech and Prime Tech Plus overviews.

Foxquilt has current product-specific pages for commercial general liability, professional E&O, workers’ compensation, commercial auto, cyber, commercial property, builders risk, umbrella and crime. The About page separately lists Business Owner’s Policy, Umbrella/Excess and Inland Marine among “Our Primary Coverages”; its umbrella page describes umbrella and distinguishes it from excess. A cleaner-program page describes limited mobile-equipment (inland marine) and crime coverage and uses a Crime/Bonds label without bond terms. The E&O page includes technology and creative professions within broader E&O; the reviewed material does not establish a separate technology E&O form. ^{27,28,29,30,31,32,33,24,38,39,40}Company-reported. Current Foxquilt pages inspected 2026-09-29. These are marketed coverage memberships, not a conclusion that detailed policy terms are adequate for comparison. Product scope differs between standalone pages, a primary-coverages list, subfeatures and the ConvertLabs cleaner program; quote and policy determine actual terms, jurisdiction, issuer and eligibility.

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. ^8,1,9,11Company-reported. Current public U.S. buyer and broker paths. This does not establish that every listed agent can access every Cowbell product.

Foxquilt says customers can request and buy CGL and E&O online, with team assistance available, and receive documents after purchase. Its screens show example businesses, sample limits and prices; these are company illustrations, not quotes tested for a buyer or evidence that every risk can bind online. ^27,28,23Company-reported. Company-reported CGL and E&O purchase workflow; no form was submitted and no quote or purchase was completed in this research.

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. ^22,11,15Company-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.

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. ²⁰Company-reported. Current public FAQ for P100 and P250; other products and individual policy terms may use different servicing and renewal procedures.

Foxquilt says CGL and E&O policy documents and certificates are emailed after purchase and describes digital account tools. For agents and brokers, Foxquilt advertises digital endorsement and cancellation management and change requests in Foxden; this does not establish who has contractual authority or the processing terms for a particular policy. The public material reviewed does not establish policy-specific renewal handling, endorsement authority, cancellation process or service-level guarantees. ^27,28,24,25Company-reported. Company-reported buyer servicing statements and agent/broker portal marketing; no account access or live service interaction tested.

Ask which insurer is on your declarations: Cowbell names Palomar for Prime 100/100 Pro, Palomar and Chaucer for Prime 250, Chaucer for Prime One, and more general carrier descriptions for excess, Tech Plus and Select Plus. ^{11,12,13,14,15,17,18,7}Company-reported. Named paper providers in the current reviewed product materials. The quote and policy must identify the actual insurer for a specific product, state and account.

Foxquilt’s product pages display Markel, Greenlight Re and Lloyd’s-related marks under “Backed by industry leaders.” The reviewed pages do not map those names to the insurer, reinsurer, coverholder, or delegated authority for a particular U.S. product, state or policy; confirm the insurer and producer on the quote and policy documents. ^27,28,24Not publicly disclosed. Foxquilt brand marketing and the reviewed public CGL/E&O pages; no policy or state-specific issuer schedule reviewed.