Cowbell vs 
Marsh: How Do They Compare for Tech E&O Insurance?
Cowbell Prime Tech is a packaged tech E&O and cyber policy with limits up to $5M for firms up to $1B in revenue. Marsh instead designs data center programs that combine tech E&O with property and casualty lines.
Cowbell’s Prime Tech puts Tech E&O and cyber in one policy for tech companies with up to $1 billion in revenue, with limits up to $5 million and another $5 million of excess. Marsh places tech E&O as a specialty and builds it into data-center programs alongside property and casualty. 1,2,4,3
What Are the Key Differences Between Cowbell and Marsh Tech E&O Insurance?
A Packaged E&O-and-Cyber Policy vs a Broker-Built Program
Cowbell’s Prime Tech combines Technology E&O with cyber, sold through agents to tech businesses with up to $1 billion in revenue, with limits up to $5 million and Prime Tech Plus adding up to $5 million of follow-form excess. Marsh treats tech E&O as a financial and professional liability specialty, serving technology alongside banking, insurance, asset management, media and healthcare, and builds it into data-center programs with property, casualty and other lines. Choose Cowbell if you want E&O and cyber on one policy with published limits; choose Marsh if you run data centers or need E&O coordinated with a larger program. 1 2 4 3
Named Tech and Cyber Perils vs Gaps at Data-Center Scale
Cowbell lists delay in delivery, negligence, misrepresentation, breach of warranty or contract, product failures and software copyright disputes, plus cyber costs such as extortion, restoration, social engineering and business interruption. Marsh warns that off-the-shelf tech E&O wasn’t built for the scale and concentration of modern data centers and can leave gaps, and publishes no limits. 1 3
What Should You Confirm in Cowbell and Marsh Tech E&O Insurance Quotes?
- If you run a data center, ask Marsh how tech E&O fits with property and casualty in its program, and ask Cowbell whether Prime Tech covers that exposure on its own. 3 1
- Get the insurer’s name from both. Cowbell writes Prime Tech as surplus lines cover, which isn’t backed by state guaranty funds. 1 4
- Compare the limits Marsh places with Cowbell’s $5 million primary and $5 million excess. 1 3
- Ask whether Marsh’s placement combines E&O and cyber like Prime Tech or sits as a separate E&O layer. 4 1
Cowbell vs Marsh Tech E&O Insurance Compared
Cowbell vs Marsh: Tech E&O Insurance: documented features by provider
| Criteria | Cowbell Prime Tech / Prime Tech Plus | Marsh 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. | Marsh names technology among the specialized industries its professional liability (E&O) experts serve, alongside banking, insurance and asset management, media and healthcare. 4Company-reported. Marsh professional liability page, What We Offer section. |
| 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. | Marsh says off-the-shelf technology E&O policies were not built for the scale and concentration of modern data centers and can leave gaps. It designs data center programs that combine technology E&O with property, casualty and other lines. 3Company-reported. Data center insurance page, Closing the gaps in conventional coverage section; describes a gap in standard tech E&O for one customer segment (data centers), not the general product. |
| 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. | Marsh treats technology errors and omissions (tech E&O) as one of its financial and professional liability specialties, with dedicated attention to the technology industry, and separately names it as a building block within its data-center insurance programs. 4,3Company-reported. Marsh professional liability page and data-center insurance page. |
