Cowbell vs Harper Cyber Insurance

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. ^4,6,7Company-reported. Product overview PDFs for Prime 100, Prime 100 Pro, Prime 250, Prime One and Prime Plus.

For cyber insurance, Harper describes calling the insurance companies that write the coverage for a business and presenting the resulting options to choose from, rather than issuing a cyber policy itself. ¹²Company-reported. Homepage 'What we cover' introduction and coverage list, where cyber is one of the enumerated lines.

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. ^4,6,7Company-reported. Footer/underwriting statements in each product PDF.

Harper's public pages do not name the insurer or insurers that would underwrite a cyber policy; the homepage shows an unlabeled panel of insurer logos it says it works with, without listing carriers for cyber specifically. ¹²Not publicly disclosed. Checked the homepage insurer-logo panel and eCommerce industry page on 2026-09-23.

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. ^4,5,6,7Company-reported. Risk Appetite sections of each PDF.

Harper positions cyber coverage as relevant to online retailers, dropshipping businesses, marketplace sellers and private-label or direct-to-consumer brands on its eCommerce industry page, while also listing cyber as a general coverage option for any business on the homepage intake. ^11,12Company-reported. eCommerce industry page 'Who this is for' section combined with the homepage's general cyber checkbox; no cyber-specific eligibility criteria (such as revenue thresholds) were found.

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. ^4,7Company-reported. Prime 100 Coverages and Prime One 'Emerging risk coverage' sections; illustrative, subject to the issued policy's terms.

Harper's homepage summarizes cyber insurance as coverage for the cleanup if a business's systems or card payments get hacked. ¹²Company-reported. Homepage 'What we cover' blurb; the issued policy and declarations would control actual insuring agreements and exclusions.

On its eCommerce industry page, Harper describes cyber protection as covering data breaches, payment fraud, hacking incidents and exposure of customer information, and its FAQ adds that cyber liability coverage may apply to customer notification costs, credit monitoring and certain regulatory expenses. ¹¹Company-reported. eCommerce industry page; this description is given in the context of online retailers, dropshippers, marketplace sellers and DTC brands, and may not describe cyber coverage the same way for other industries.

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. ^5,7,8Company-reported. Product overview PDFs; actual issued limits depend on underwriting.

The reviewed pages do not publish cyber policy limits, retentions or a claims-made versus occurrence trigger; the eCommerce page's cost FAQ discusses eCommerce insurance overall rather than cyber coverage alone, so it is not used as a cyber-specific figure here. ^12,11Not publicly disclosed. Checked the homepage and eCommerce industry page on 2026-09-23.

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. ^4,6Company-reported. 'The Cowbell Advantage' section, repeated across the reviewed product PDFs.

Not described in the reviewed sources.

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. ^4,5Company-reported. Prime 100 and Prime 100 Pro overview PDFs; speed figures are company-reported, not independently timed.

You can start a cyber quote through Harper's online intake by selecting the 'Hacking, data breaches, card fraud (cyber)' checkbox alongside the business's state, estimated annual revenue and a description of what it does. ¹²Company-reported. Homepage quote-intake form.

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. ^7,4Company-reported. Prime One 'When an incident occurs' section and 'Expert Claims Support' feature repeated across the product PDFs.

Not described in the reviewed sources.