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

After a consultation request, Newfront, a broker, has its Cyber Risk team negotiate tech E&O wording. Cowbell markets Prime Tech as one non-admitted policy with limits up to $5M, sold through agents.

Cowbell gives you a defined Tech E&O and cyber policy, Prime Tech, with limits up to $5 million, an excess option and security services, for companies up to $1 billion in revenue. Newfront is a broker that negotiates custom Tech E&O wording alongside cyber and uses modeling to recommend limits. ^1,^2,³

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

Defined Combined Policy vs Negotiated Wording

Cowbell's Prime Tech already combines Technology E&O with cyber, lists specific perils, and adds Prime Tech Plus as follow-form excess, sold through agents to companies up to $1 billion in revenue. Newfront's Cyber Risk practice brokers Tech E&O and says its Tech E&O and Cyber team negotiates bespoke language instead of an off-the-shelf form, without listing exclusions. Choose Cowbell if you want known terms quickly; choose Newfront if customer contracts demand tailored wording or you're above $1 billion in revenue. ¹ ² ³

$5 Million Published vs Modeled Limits

Cowbell says Prime Tech and Prime Tech Plus each offer limits up to $5 million. Newfront uses proprietary modeling data to choose limits that fit your exposure and tolerance but publishes no limits, retentions or premiums. ¹ ³

Security Services and Training vs Hands-On Claims Consulting

Cowbell pairs the policy with Co-Pilot underwriting help, Resiliency Services, Connectors and Wizer security training. Newfront assesses your cyber setup, negotiates once you meet insurer requirements, and offers hands-on claims consulting before and after a breach; you start with a consultation. ¹ ³ ⁴

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

Ask Newfront which insurer's form it's negotiating and how it treats delay, copyright and cyber costs that Cowbell lists on Prime Tech. ³ ¹
Compare Cowbell's $5 million limits with Newfront's modeled recommendation. ¹ ³
Ask Cowbell's agent about its surplus-lines status, meaning the insurer isn't backed by state guaranty funds. ¹ ⁴
Ask both for the issuing insurer; neither names one. ¹ ³

Cowbell vs Newfront Tech E&O Insurance Compared

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

Criteria	Cowbell Prime Tech / Prime Tech Plus	Newfront Cyber Risk Technology Errors & Omissions
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.	The reviewed page markets the Cyber Risk practice broadly, without a technology-E&O-specific eligibility threshold; Newfront says its cyber team helps clients navigate "increased underwriting standards" as carriers evaluate applicants. ³Company-reported. Cyber Risk page's Our Approach introduction.
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.	You engage Newfront's Cyber Risk practice for technology E&O placement by requesting a consultation, which asks for your industry, company details and the service you need rather than issuing an instant quote. ⁴Company-reported. General consultation intake, not a technology-E&O-specific application path.
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.	Newfront names its "Tech E&O and Cyber team" specifically and says that team "negotiates bespoke language to ensure the broadest terms available in the marketplace," indicating technology E&O is negotiated alongside cyber wording rather than sold as an off-the-shelf form; the reviewed page does not describe specific tech E&O exclusions or professional-services scope. ³Company-reported. Cyber Risk page's Subject Matter Expertise section.
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.	Newfront lists Technology Errors and Omissions (E&O) as one of the named coverages its Cyber Risk practice places, alongside cyber liability, data breach, business interruption, network security liability and cyber extortion coverage. Newfront brokers this coverage; it does not underwrite it. ³Company-reported. Cyber Risk page's Key Coverages list.
Risk Services	Cowbell says Prime Tech is 'powered by Cowbell Co-Pilot,' its AI-driven assistive underwriting tool, and that policyholders get the same Cowbell Resiliency Services, Cowbell Connectors, and complimentary Wizer cybersecurity-awareness training offered on its cyber products. ¹Company-reported. Prime Tech PDF, page 2 (Cowbell Co-Pilot mention) and 'The Cowbell Advantage' list.	Newfront says it delivers risk assessment on cyber infrastructure and policy design, negotiates coverage and placement once a client is aligned with regulatory and carrier requirements, and provides "hands-on" claims consultation before and after a breach or claim, applied to the cyber-and-tech-E&O tower it services together. ³Company-reported. Cyber Risk page's Our Approach section; describes the cyber practice generally, applied to tech E&O as a listed coverage within it.