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

At $25 million to $10 billion in revenue, Resilience advertises tech E&O limits up to $10 million. Cowbell Prime Tech offers up to $5M, plus an excess layer, for technology businesses up to $1B in revenue.

Cowbell's Prime Tech combines Tech E&O and cyber for tech companies with up to $1 billion in revenue, including small ones, with up to $5 million primary and another $5 million excess. Resilience only writes companies with $25 million to $10 billion in revenue, with limits up to $10 million and a 24/7 in-house claims team. ^1,^2,^3,⁴

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

Your Revenue Decides: Up to $1 Billion vs $25 Million and Up

Cowbell's Prime Tech targets technology businesses with up to $1 billion in revenue, with limits up to $5 million and another $5 million through Prime Tech Plus excess. Resilience targets U.S. tech companies with $25 million to $10 billion in revenue, across services, hardware, data centers, telecom, software and web, with limits up to $10 million primary or excess. Choose Cowbell if you're under $25 million in revenue; choose Resilience if you're over $1 billion; in between, compare both. ¹ ² ³

Security Tools vs an In-House Claims Team

Cowbell's Prime Tech combines E&O and cyber and includes its Co-Pilot tool, resiliency services and Wizer security training, sold only through agents. Resilience builds endorsements into the policy form and runs a 24/7 in-house claims and incident-response team with a dedicated claims manager. Cowbell's materials don't describe who handles claims. ¹ ³ ⁵

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

Ask your agent which insurer issues Cowbell Prime Tech; it's sold as surplus lines, so state guaranty funds won't back it. Resilience's policy comes from a Homeland Insurance company. ⁴ ¹
Check your revenue against Cowbell's $1 billion ceiling and Resilience's $25 million floor. ³ ¹
Ask whether you need Prime Tech Plus excess to match Resilience's $10 million. ² ³
Ask Cowbell who handles claims. ⁵ ¹

Cowbell vs Resilience Tech E&O Insurance Compared

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

Criteria	Cowbell Prime Tech / Prime Tech Plus	Resilience Technology E&O
Limits and Retentions	Cowbell states Prime Tech offers limits up to $5M, and Prime Tech Plus (the excess layer) also offers limits up to $5M above the underlying primary policy. ^1,²Company-reported. Product overview PDFs.	Resilience advertises technology E&O limits up to $10 million, available on both a primary and an excess basis. The page does not publish retentions or deductibles. ³Company-reported. "A Broad Market Appetite" benefit, accessed 2026-09-23; the figure is a marketing maximum, not a specific quote.
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.	Resilience targets US technology E&O business with $25 million to $10 billion in revenue for primary and excess placements, spanning technology services, technology hardware, data centers, telecommunications, software and web services. ³Company-reported. "A Broad Market Appetite" benefit and segment list on the product page, accessed 2026-09-23; smaller companies fall outside the published revenue range.
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.	Resilience says its policy endorsements are integrated directly into the policy form, which it calls "Coverage Certainty," for what it describes as a straightforward, beginning-to-end read rather than a base form layered with separate endorsement documents. ³Company-reported. "Coverage Certainty" benefit on the product page; the actual policy as issued controls. Resilience lists six technology segments it underwrites for E&O: technology services (MSP/MSSP, consulting, staffing, storage services, VARs), technology hardware and networking equipment manufacturing, data centers, telecommunications, software (including AI, security software and payment processors) and web services. ³Company-reported. "Comprehensive coverage for technology risks" segment list on the product page, accessed 2026-09-23.
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.	Resilience markets technology E&O as professional liability coverage for technology companies with complex risk, distributed in the US by a separate insurance agency rather than underwritten by the Resilience brand itself. ³Company-reported. Technology E&O product page introduction, accessed 2026-09-23.