---
title: "Cowbell vs Lockton: Cyber Insurance"
description: "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."
canonical: "https://spot.insure/compare/cowbell-vs-lockton/cyber"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "cowbell-vs-lockton"
provider-a: "cowbell"
provider-b: "lockton"
coverage-line: "cyber"
---

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[Human-readable page](https://spot.insure/compare/cowbell-vs-lockton/cyber)

## Agent Guide

**What this page is:** Focused comparison of Cowbell and Lockton for Cyber Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Cyber Insurance questions about Cowbell versus Lockton. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Cowbell vs Lockton for Cyber Insurance: how do they differ?
- Which is better for Cyber Insurance, Cowbell or Lockton?
- What does Cowbell or Lockton publish about Cyber Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Cyber Insurance. Providers: Cowbell and Lockton.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-25.

**Related pages:**
- [Cowbell vs Lockton](https://spot.insure/compare/cowbell-vs-lockton) — all coverage lines for this pair
- [Cyber Insurance guide](https://spot.insure/coverage/cyber) — how this coverage works
- [Cowbell profile](https://spot.insure/insurance-providers/cowbell) — provider profile
- [Lockton profile](https://spot.insure/insurance-providers/lockton) — provider profile

# 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 lets appointed agents bind Prime 100 in minutes; Lockton runs an Inform, Improve, Insure process with security advice before it places coverage.

## Cowbell vs Lockton Cyber Insurance Summary

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](https://cowbell.insure/wp-content/uploads/pdfs/CB-Prime100-Overview.pdf "Prime 100 Product Overview") [2](https://cowbell.insure/wp-content/uploads/pdfs/CB-Prime100Pro-Overview.pdf "Prime 100 Pro Product Overview") [6](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology")

## 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](https://cowbell.insure/wp-content/uploads/pdfs/CB-Prime100-Overview.pdf "Prime 100 Product Overview") [2](https://cowbell.insure/wp-content/uploads/pdfs/CB-Prime100Pro-Overview.pdf "Prime 100 Pro Product Overview") [6](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology")

### 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](https://cowbell.insure/wp-content/uploads/pdfs/CB-Prime100-Overview.pdf "Prime 100 Product Overview") [6](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology")

### 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](https://cowbell.insure/wp-content/uploads/pdfs/CB-Prime100-Overview.pdf "Prime 100 Product Overview") [4](https://cowbell.insure/wp-content/uploads/pdfs/CB-US-PrimeOne-Overview.pdf "Prime One Product Overview") [7](https://global.lockton.com/us/en/technology "Technology")

## 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](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology")
- Ask which Cowbell Prime product and paper fits your revenue, since Palomar and Chaucer change by tier. [1](https://cowbell.insure/wp-content/uploads/pdfs/CB-Prime100-Overview.pdf "Prime 100 Product Overview")
- Ask Lockton for limits and premium; the reviewed pages do not publish them. [6](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology")
- Ask Cowbell for base Prime 100 and Prime 250 limits, which are not in the reviewed overviews. [1](https://cowbell.insure/wp-content/uploads/pdfs/CB-Prime100-Overview.pdf "Prime 100 Product Overview") [3](https://cowbell.insure/wp-content/uploads/pdfs/CB-Prime250-Overview.pdf "Prime 250 Product Overview")

## Cowbell vs Lockton Cyber Insurance Compared

| 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](https://cowbell.insure/wp-content/uploads/pdfs/CB-Prime100-Overview.pdf "Prime 100 Product Overview") [2](https://cowbell.insure/wp-content/uploads/pdfs/CB-Prime100Pro-Overview.pdf "Prime 100 Pro Product Overview") [3](https://cowbell.insure/wp-content/uploads/pdfs/CB-Prime250-Overview.pdf "Prime 250 Product Overview") [4](https://cowbell.insure/wp-content/uploads/pdfs/CB-US-PrimeOne-Overview.pdf "Prime One Product Overview") (Evidence: Company-reported; scope: 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. [7](https://global.lockton.com/us/en/technology "Technology") (Evidence: Company-reported; scope: 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](https://cowbell.insure/wp-content/uploads/pdfs/CB-Prime100-Overview.pdf "Prime 100 Product Overview") [2](https://cowbell.insure/wp-content/uploads/pdfs/CB-Prime100Pro-Overview.pdf "Prime 100 Pro Product Overview") (Evidence: Company-reported; scope: 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. [6](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") (Evidence: Company-reported; scope: 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](https://cowbell.insure/wp-content/uploads/pdfs/CB-Prime100-Overview.pdf "Prime 100 Product Overview") [3](https://cowbell.insure/wp-content/uploads/pdfs/CB-Prime250-Overview.pdf "Prime 250 Product Overview") [4](https://cowbell.insure/wp-content/uploads/pdfs/CB-US-PrimeOne-Overview.pdf "Prime One Product Overview") (Evidence: Company-reported; scope: 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. [6](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") (Evidence: Company-reported; scope: 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](https://cowbell.insure/wp-content/uploads/pdfs/CB-Prime100-Overview.pdf "Prime 100 Product Overview") [3](https://cowbell.insure/wp-content/uploads/pdfs/CB-Prime250-Overview.pdf "Prime 250 Product Overview") (Evidence: Company-reported; scope: '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. [6](https://global.lockton.com/us/en/cyber-technology "Cyber & Technology") (Evidence: Company-reported; scope: Cyber & Technology product page as read 2026-09-23..) |

## About Cowbell and Lockton and Cyber Insurance

- [Cowbell company profile](https://spot.insure/insurance-providers/cowbell) · [Cowbell customer reviews](https://spot.insure/insurance-providers/cowbell/reviews)
- [Lockton company profile](https://spot.insure/insurance-providers/lockton) · [Lockton customer reviews](https://spot.insure/insurance-providers/lockton/reviews)
- [What Is Cyber Insurance?](https://spot.insure/coverage/cyber)

## Related Pages for Cowbell vs Lockton Cyber Insurance

- [Cowbell vs Lockton](https://spot.insure/compare/cowbell-vs-lockton): all coverage lines, business roles, service and claims.
- [What Is Cyber Insurance?](https://spot.insure/coverage/cyber): Cyber insurance can help pay covered breach response, data recovery, interruption and liability costs; vendor incidents and funds-transfer fraud need separate checks.
- [Cowbell Cyber Insurance](https://spot.insure/insurance-providers/cowbell/cyber)
- [Lockton Cyber Insurance](https://spot.insure/insurance-providers/lockton/cyber)

## Sources for Cowbell vs Lockton Cyber Insurance

### Sources About Cowbell

1. [Prime 100 Product Overview](https://cowbell.insure/wp-content/uploads/pdfs/CB-Prime100-Overview.pdf). Cowbell; Product Overview; Risk Appetite; The Cowbell Advantage; Prime 100 Coverages; 'Paper provided by Palomar Specialty Insurance Company' footer. Accessed 2026-09-23.
2. [Prime 100 Pro Product Overview](https://cowbell.insure/wp-content/uploads/pdfs/CB-Prime100Pro-Overview.pdf). Cowbell; Product Overview; Expanded coverage options; Streamlined process for agents; Confidence that resonates; Available In 47 U.S. States list. Accessed 2026-09-23.
3. [Prime 250 Product Overview](https://cowbell.insure/wp-content/uploads/pdfs/CB-Prime250-Overview.pdf). Cowbell; Product Overview; Confidence at scale; Available in 50 states and D.C. on surplus papers; Prime 250 Coverages. Accessed 2026-09-23.
4. [Prime One Product Overview](https://cowbell.insure/wp-content/uploads/pdfs/CB-US-PrimeOne-Overview.pdf). Cowbell; Risk appetite: organizations with more advanced digital exposures, typically $250M+ in annual revenue; core and additional coverage elements; 'written on a non-admitted basis by Chaucer Specialty Insurance Company' footer. Accessed 2026-09-23.
5. [Prime Plus Product Overview](https://cowbell.insure/wp-content/uploads/pdfs/CB-PrimePlus-Overview.pdf). Cowbell; Product Overview; Why Prime Plus; 'offered on a non-admitted basis with paper provided by AM Best A (Excellent) rated carriers' footer. Accessed 2026-09-23.

### Sources About Lockton

6. [Cyber & Technology](https://global.lockton.com/us/en/cyber-technology). Lockton; A Custom Approach; The Lockton Difference; Inform, Improve, and Insure three-step approach; team of over 100 Associates; contact cyber@lockton.com. Accessed 2026-09-23.
7. [Technology](https://global.lockton.com/us/en/technology). Lockton; Unique expertise in Cyber Liability; industries served (electronic hardware, information technology, internet, medical equipment, semiconductors, software, telecommunications). Accessed 2026-09-23.

Updated 2026-09-25. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/cowbell-vs-lockton/cyber.md)
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