Cowbell vs HUB International: How Do They Compare for Tech E&O Insurance?

Cowbell Prime Tech has published limits up to $5M for tech firms up to $1B in revenue and goes through agents. HUB International brokers a policy customized to your size and limits, and reports insuring over 5,000 technology companies.

Cowbell's Prime Tech gives tech companies E&O and cyber in one policy with up to $5 million, naming late delivery, breach of warranty and software copyright disputes as covered; HUB is a broker that shops tech E&O and can keep prior-acts and tail cover in place. HUB publishes no limits. ^1,^2,^3,⁴

What Are the Key Differences Between Cowbell and HUB International Tech E&O Insurance?

A Named E&O-Plus-Cyber Product vs a Broker's Search

Cowbell sells Prime Tech, combining Technology E&O with cyber, through agents in all 50 states, with limits up to $5 million. HUB brokers tech E&O through its general E&O practice and its technology-industry team and publishes no limits or insurers. Choose Cowbell if you want tech-specific E&O and cyber on one policy through your agent; choose HUB if you want a broker comparing insurers or need more than $5 million. ¹ ³ ⁴

Tech-Specific Perils vs General E&O Terms

Cowbell names delay in delivery, negligence, misrepresentation, breach of warranty or contract, product failures and software copyright disputes, plus cyber extortion, data restoration, social engineering and business interruption. HUB's E&O page describes defense, judgments, settlements and fines for professional mistakes, with optional prior-acts and tail cover. If missed delivery dates or copyright claims worry you, Cowbell names them; ask HUB to show the same on its proposed wording. ¹ ³

What Should You Confirm in Cowbell and HUB International Tech E&O Insurance Quotes?

Ask HUB whether its proposal combines Tech E&O and cyber, and whether prior-acts and tail cover are included. ³
Ask Cowbell which insurer issues Prime Tech (it's sold on a surplus-lines basis, outside standard state-licensed markets) and how your $5 million is split between E&O and cyber. ¹
Ask HUB for per-claim and aggregate limits. ³

Cowbell vs HUB International Tech E&O Insurance Compared

Cowbell vs HUB International: Tech E&O Insurance: documented features by provider

Criteria	Cowbell Prime Tech / Prime Tech Plus	HUB International Technology Errors and Omissions 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.	HUB's technology-industry page addresses fast-growing startups and established software, hardware or digital-media businesses, and says HUB currently insures more than 5,000 technology companies; that count is a company-reported figure not independently verified here. ⁴Company-reported. Technology-industry page framing; not specific to technology E&O alone, since the page covers HUB's full technology insurance program.
How to Apply	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. ¹Company-reported. 'Prime Tech Coverage Benefits' list, first bullet.	HUB directs prospects to connect with a broker; the E&O page describes policies as customized to business size, industry, location, risk base and desired limits, without an online quote flow. ³Company-reported. Product-page call to action as read 2026-09-23.
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.	HUB's general E&O page says policies typically cover defense costs, judgments, settlements and fines from allegations of misrepresentation, breach of professional services, wrongful practices and misleading advice, and can be structured with prior-acts coverage back to a retroactive date and tail coverage for an extended reporting period. ³Company-reported. General E&O coverage description; the page does not give technology-specific coverage examples beyond listing technology as a served industry.
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.	HUB brokers technology E&O as part of its general E&O practice, naming technology as one of the industries it serves, and separately markets it as one line within its dedicated technology-industry practice. ^3,⁴Company-reported. E&O product page and technology-industry page as read 2026-09-23; neither names an issuing insurer.