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

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. ^2,4,5Company-reported. Product overview PDFs; actual issued limits depend on underwriting.

Resilience advertises cyber limits up to $20 million, available on a primary or excess basis, with a separate eCrime sublimit of up to $500,000. The page does not publish minimum limits, retentions or deductibles. ⁶Company-reported. "Top-Rated Insurance with Broad Market Appetite" and "Policy Coverage" sections; figures are marketing maximums, not a specific quote.

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.

Resilience markets US cyber insurance across industries including healthcare, higher education, financial institutions and services, manufacturing, construction, law firms, professional services, public entities, retail, hospitality, technology, life sciences, medical devices and pharmaceuticals. ⁶Company-reported. "Broad Market Appetite" availability table for the United States, accessed 2026-09-23; the table does not state a minimum revenue or company-size threshold for cyber (unlike the separate tech E&O appetite range).

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. ^1,4Company-reported. Prime 100 Coverages and Prime One 'Emerging risk coverage' sections; illustrative, subject to the issued policy's terms.

Resilience lists privacy wrongful-act coverage, eCrime coverage up to $500,000, coverage for incident costs that exceed the policy limit (such as legal, forensics and crisis communications), and funds-transfer-fraud recovery assistance among its cyber policy features. ⁶Company-reported. "Policy Coverage" section of the product page; actual insuring agreements, sublimits and exclusions are set by the issued policy.

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.

Resilience pairs a cyber insurance policy with security services such as threat monitoring and breach-and-attack simulations. In the US, the policy is placed by a distributor rather than underwritten by the Resilience brand itself. ⁶Company-reported. Cyber Insurance product page description of the combined offering, accessed 2026-09-23.

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. ^1,3,4Company-reported. Footer/underwriting statements in each product PDF.

Resilience's US disclosure states that cyber insurance products are distributed by Ocrea Risk Services, LLC (NPN 19169260), doing business as Resilience Cyber Insurance Solutions, and underwritten by Homeland Insurance Company of New York or Homeland Insurance Company of Delaware, both subsidiaries of Intact Insurance Group USA LLC. The disclosure does not say which of the two Homeland entities issues a given policy. ⁷Company-reported. US paragraph of Resilience's disclaimer page, accessed 2026-09-23; product- and state-specific issuer mapping is not published.

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.

Resilience says policyholders get proactive threat monitoring from its Risk Operations Center and access to breach-and-attack simulations powered by AttackIQ, in addition to the policy itself. ⁶Company-reported. "The Resilience Advantage" section of the cyber product page.

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. ^4,1Company-reported. Prime One 'When an incident occurs' section and 'Expert Claims Support' feature repeated across the product PDFs.

Resilience describes a fully in-house claims and incident-response team available 24/7, with a dedicated claims manager who stays with the policyholder from initial triage through settlement, backed by an outside panel of privacy-law, forensics and crisis-communications specialists. ⁸Company-reported. Claims & Incident Response page, accessed 2026-09-23; response-time and outcome statistics on that page are company-reported and not independently verified.