Cowbell vs Newfront 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.

Newfront's Cyber Risk practice brokers cyber coverage: it assesses risk, negotiates coverage and placement, and provides claims consultation. It does not underwrite the policy itself. ¹³Company-reported. Cyber Risk offering page.

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.

The reviewed Cyber Risk page does not name the insurer or insurers that would issue a cyber policy placed through Newfront. ¹³Not publicly disclosed. Cyber Risk page as read on 2026-09-23; carrier depends on the specific placement.

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.

The Cyber Risk page does not state a company-size or industry eligibility threshold; it speaks generally about clients facing "evolving cyber risk and increased underwriting standards." ¹³Not publicly disclosed. Our Approach section; general framing, not a stated eligibility rule.

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.

Newfront lists Cyber Liability Insurance, Data Breach Insurance, Technology Errors and Omissions (E&O), Business Interruption, Network Security Liability, and Cyber Extortion and Ransomware Coverage among its cyber Key Coverages. ¹³Company-reported. Cyber Risk page Key Coverages list; the page treats technology E&O as part of the same practice.

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.

Newfront's cyber page does not publish limits or retentions. It says its technology team provides proprietary modeling data to inform decisions on limits aligned with a client's risk exposure and tolerance. ¹³Company-reported. Subject Matter Expertise section; describes an internal modeling service, not published limit figures.

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.

Newfront says dedicated cyber security specialists advise on security-improvement opportunities and current cybersecurity practices against phishing, ransomware and DDoS threats, and that its Tech E&O and Cyber team negotiates bespoke policy language. ¹³Company-reported. Subject Matter Expertise section of the cyber page.

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 start a cyber placement by requesting a consultation through Newfront's Cyber Risk page, which is led by Jennifer Wilson, Head of the Cyber Practice. ¹³Company-reported. Cyber Risk page call-to-action and Leadership section; no online quoting or binding described.

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.

Newfront says it provides "hands-on" claims consultation for cyber breaches, including pre- and post-loss advocacy and resolution consultation to prepare clients on breach-response protocol before a claim. ¹³Company-reported. Claims Consultation section of the cyber page; a described service, not a claims-outcome statistic.