Cowbell vs 
Gallagher: How Do They Compare for Tech E&O Insurance?
Backed by a 250-plus person practice, Gallagher is a broker placing tech E&O with cyber through outside carriers. Cowbell markets its Prime Tech policy, with limits up to $5M, through agents on a surplus-lines basis.
Cowbell’s Prime Tech is a set product for tech firms up to $1 billion in revenue: E&O and cyber together, up to $5 million, with a matching excess layer and included resilience services and training. Gallagher is a broker placing a similar combined policy with outside insurers, with no published limits. 1,2,3
What Are the Key Differences Between Cowbell and Gallagher Tech E&O Insurance?
Named Program With $5 Million Limits vs Broker Placement
Cowbell’s Prime Tech combines tech E&O and cyber in one policy for tech businesses with up to $1 billion in revenue, with limits up to $5 million and a Prime Tech Plus excess layer also up to $5 million. Gallagher’s technology practice places a combined E&O and cyber policy, covering breaches, ransomware and privacy violations, with outside insurers, and publishes no limits, retentions or premiums. Choose Cowbell if you want known limits and a product your agent can quote directly; choose Gallagher if you want a broker with 7,500-plus tech clients and over $1 billion in placed premium shopping several insurers. 1 2 3
Security Services on the Policy vs Broker Tools
Cowbell says Prime Tech policyholders get Cowbell Resiliency Services, Connectors, its Co-Pilot tool and free Wizer security training. Gallagher offers practice-level tools, including Drive analytics, Go, STEP training, Submit tracking and Verify certificates, through more than 250 technology specialists, but doesn’t say they come with every tech E&O placement. 1 3
What Should You Confirm in Cowbell and Gallagher Tech E&O Insurance Quotes?
- Ask Gallagher which insurer, form and limits it is placing. 3
- Ask Cowbell which insurer issues Prime Tech. It is written outside the standard state-regulated market, so state guaranty-fund protection generally does not apply. 1
- Ask both how their wording treats late delivery, copyright disputes and ransomware. 1 3
- Ask Gallagher whether its digital tools come with your tech E&O placement. 3
Cowbell vs Gallagher Tech E&O Insurance Compared
Cowbell vs Gallagher: Tech E&O Insurance: documented features by provider
| Criteria | Cowbell Prime Tech / Prime Tech Plus | Gallagher Technology Errors and Omissions (Tech E&O) Insurance |
|---|---|---|
| Who It’s For | 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. 1,2Company-reported. Risk Appetite sections of both PDFs. | Gallagher says its Technology insurance practice serves technology and telecommunications clients ranging from startups to middle-market businesses to global enterprises, and reports more than 7,500 such clients and over $1 billion in annual premium placed. 3Company-reported. Group-level technology industry practice page; company-reported client and premium figures, not independently verified. |
| Coverage Features | 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. 1Company-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. 1Company-reported. 'Prime Tech Coverage Benefits' list; illustrative, subject to the issued policy. | Gallagher markets technology E&O as a single policy combining coverage for errors and omissions from rendering or failing to render professional services with cyber liability coverage for perils such as data breaches, ransomware attacks and privacy violations. 3Company-reported. Group-level technology industry practice page; a service description, not a specific policy's insuring agreement or exclusions. |
| Role in This Line | 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. 1,2Company-reported. Prime Tech and Prime Tech Plus overview PDFs. | Gallagher's Technology insurance practice places technology E&O coverage with outside carriers for tech-sector clients; it does not underwrite the policy. 3Company-reported. Group-level technology industry practice page. |
| Risk Services | 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. 1Company-reported. Prime Tech PDF, page 2 (Cowbell Co-Pilot mention) and 'The Cowbell Advantage' list. | Gallagher offers technology clients a digital suite including Gallagher Drive for data-driven risk analytics, Gallagher Go as a client self-service portal, Gallagher STEP for online safety training, Gallagher Submit for insurance-submission tracking, and Gallagher Verify for certificate management. 3Company-reported. Group-level technology industry practice page; not confirmed as included with every tech E&O placement. Gallagher says its Technology insurance practice includes more than 250 dedicated professionals and points to named team leaders reachable at Rolling Meadows, Illinois phone numbers. 3Company-reported. Group-level technology industry practice page. |
