Cowbell vs Lockton: How Do They Compare for Cyber Insurance?

Lockton is a broker for tech sectors with a three-step approach; Cowbell sells its own Prime line, with risk ratings, training and in-house claims support.

Cowbell says appointed agents can quote and bind Prime 100 in under five minutes. Lockton brokers cyber through an Inform, Improve, Insure process that quantifies exposure and recommends security work before placement. ^1,^2,⁶

What Are the Key Differences Between Cowbell and Lockton Cyber Insurance?

Minutes to Bind Versus Advice Before Placement

Cowbell says appointed agents can quote, bind and issue Prime 100 in less than five minutes, with Prime 100 Pro using six questions for accounts under $50 million. Lockton does not offer that self-serve bind. It uses Inform, Improve, Insure: quantify financial exposure, recommend security improvements, then negotiate terms with insurers. Choose Cowbell if you want an agent to bind a named Prime form quickly; choose Lockton if you want exposure analysis and security recommendations before anyone shops a market. ¹ ² ⁶

Bundled Ratings and Training Versus a Hundred-Person Team

Every Cowbell Prime policy includes Cowbell Factors ratings, Resiliency Services, Insights, Connectors and complimentary Wizer awareness training with unlimited seats in the first year. Lockton describes a different service model: more than 100 associates reviewing cybersecurity posture, running incident-response exercises and helping design governance frameworks. Cowbell's extras travel with the policy you buy. Lockton's extras are delivered by its own cyber team around the placement. ¹ ⁶

Revenue Tiers Versus Named Technology Industries

Cowbell sorts eligibility by revenue, from Prime 100 for SMEs up to $100 million through Prime One for organizations with more advanced digital exposure, typically $250 million and up. Lockton's technology practice names industries instead of a revenue cutoff: electronic hardware, information technology, internet, medical equipment, semiconductors, software and telecommunications. If you sit outside those industries, ask Lockton whether another practice would handle you; if you sit above a Prime band, ask Cowbell which product still applies. ¹ ⁴ ⁷

What Should You Confirm in Cowbell and Lockton Cyber Insurance Quotes?

Ask Lockton which insurer it is negotiating with, because the cyber page does not name one. ⁶
Ask which Cowbell Prime product and paper fits your revenue, since Palomar and Chaucer change by tier. ¹
Ask Lockton for limits and premium; the reviewed pages do not publish them. ⁶
Ask Cowbell for base Prime 100 and Prime 250 limits, which are not in the reviewed overviews. ¹ ³

Cowbell vs Lockton Cyber Insurance Compared

Cowbell vs Lockton: Cyber Insurance: documented features by provider

Criteria	Cowbell Prime Cyber Insurance (Prime 100, Prime 100 Pro, Prime 250, Prime One, Prime Plus)	Lockton Cyber & Technology Insurance Brokerage
Who It’s For	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. ^1,^2,^3,⁴Company-reported. Risk Appetite sections of each PDF.	Lockton's technology practice says it works with clients in electronic hardware, information technology, internet, medical equipment, semiconductors, software and telecommunications, and highlights cyber liability as a core exposure for those industries. ⁷Company-reported. Technology industry page as read 2026-09-23. No minimum company size or revenue threshold was published.
How to Apply	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. ^1,²Company-reported. Prime 100 and Prime 100 Pro overview PDFs; speed figures are company-reported, not independently timed.	The Cyber & Technology page lists a named contact (its EVP, U.S. Cyber & Technology Leader) and the email cyber@lockton.com as the way to reach the team, rather than a self-serve online quote tool. ⁶Company-reported. Cyber & Technology page as read 2026-09-23.
Role in This Line	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. ^1,^3,⁴Company-reported. Product overview PDFs for Prime 100, Prime 100 Pro, Prime 250, Prime One and Prime Plus.	Lockton brokers cyber insurance and pairs placement with its own risk-management advice under a three-step Inform, Improve, Insure approach: quantifying cyber financial exposure, recommending security improvements, then negotiating coverage terms with insurers. ⁶Company-reported. Cyber & Technology product page as read 2026-09-23.
Risk Services	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. ^1,³Company-reported. 'The Cowbell Advantage' section, repeated across the reviewed product PDFs.	Lockton describes services beyond placement: reviewing a client's cybersecurity posture, running incident-response exercises, and helping design security governance frameworks and cyber-hygiene policies, delivered by a team it says has over 100 Associates specializing in cyber risk. ⁶Company-reported. Cyber & Technology product page as read 2026-09-23.