---
title: "Cowbell vs Resilience: Tech E&O Insurance"
description: "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."
canonical: "https://spot.insure/compare/cowbell-vs-resilience/technology-errors-omissions"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "cowbell-vs-resilience"
provider-a: "cowbell"
provider-b: "resilience"
coverage-line: "technology-errors-omissions"
---

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[Human-readable page](https://spot.insure/compare/cowbell-vs-resilience/technology-errors-omissions)

## Agent Guide

**What this page is:** Focused comparison of Cowbell and Resilience for Tech E&O Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources.

**Use this page when:** Cite or fetch this for Tech E&O Insurance questions about Cowbell versus Resilience. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Cowbell vs Resilience for Tech E&O Insurance: how do they differ?
- Which is better for Tech E&O Insurance, Cowbell or Resilience?
- What does Cowbell or Resilience publish about Tech E&O Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Tech E&O Insurance. Providers: Cowbell and Resilience.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here.

**Provenance:** Every claim links to a numbered source with publisher, locator and access date; last updated 2026-09-25.

**Related pages:**
- [Cowbell vs Resilience](https://spot.insure/compare/cowbell-vs-resilience) — all coverage lines for this pair
- [Tech E&O Insurance guide](https://spot.insure/coverage/technology-errors-omissions) — how this coverage works
- [Cowbell profile](https://spot.insure/insurance-providers/cowbell) — provider profile
- [Resilience profile](https://spot.insure/insurance-providers/resilience) — provider profile

# 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 covers tech companies up to $1 billion in revenue, including those under $25 million, with up to $5 million plus $5 million excess; Resilience only takes companies with $25 million to $10 billion in revenue, with limits up to $10 million.

## Cowbell vs Resilience Tech E&O Insurance Summary

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](https://cowbell.insure/wp-content/uploads/pdfs/CB-US-PrimeTech-Overview-1.pdf "Prime Tech Product Overview") [2](https://cowbell.insure/wp-content/uploads/pdfs/CB-PrimeTechPlusOverview.pdf "Prime Tech Plus Product Overview") [3](https://cyberresilience.com/products/technology-errors-and-omissions-insurance "Technology E&O") [4](https://cyberresilience.com/disclaimer/ "Disclaimer")

## 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](https://cowbell.insure/wp-content/uploads/pdfs/CB-US-PrimeTech-Overview-1.pdf "Prime Tech Product Overview") [2](https://cowbell.insure/wp-content/uploads/pdfs/CB-PrimeTechPlusOverview.pdf "Prime Tech Plus Product Overview") [3](https://cyberresilience.com/products/technology-errors-and-omissions-insurance "Technology E&O")

### 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](https://cowbell.insure/wp-content/uploads/pdfs/CB-US-PrimeTech-Overview-1.pdf "Prime Tech Product Overview") [3](https://cyberresilience.com/products/technology-errors-and-omissions-insurance "Technology E&O") [5](https://cyberresilience.com/products/claims-incident-response "Claims & Incident Response")

## 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](https://cyberresilience.com/disclaimer/ "Disclaimer") [1](https://cowbell.insure/wp-content/uploads/pdfs/CB-US-PrimeTech-Overview-1.pdf "Prime Tech Product Overview")
- Check your revenue against Cowbell's $1 billion ceiling and Resilience's $25 million floor. [3](https://cyberresilience.com/products/technology-errors-and-omissions-insurance "Technology E&O") [1](https://cowbell.insure/wp-content/uploads/pdfs/CB-US-PrimeTech-Overview-1.pdf "Prime Tech Product Overview")
- Ask whether you need Prime Tech Plus excess to match Resilience's $10 million. [2](https://cowbell.insure/wp-content/uploads/pdfs/CB-PrimeTechPlusOverview.pdf "Prime Tech Plus Product Overview") [3](https://cyberresilience.com/products/technology-errors-and-omissions-insurance "Technology E&O")
- Ask Cowbell who handles claims. [5](https://cyberresilience.com/products/claims-incident-response "Claims & Incident Response") [1](https://cowbell.insure/wp-content/uploads/pdfs/CB-US-PrimeTech-Overview-1.pdf "Prime Tech Product Overview")

## Cowbell vs Resilience Tech E&O Insurance Compared

| 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](https://cowbell.insure/wp-content/uploads/pdfs/CB-US-PrimeTech-Overview-1.pdf "Prime Tech Product Overview") [2](https://cowbell.insure/wp-content/uploads/pdfs/CB-PrimeTechPlusOverview.pdf "Prime Tech Plus Product Overview") (Evidence: Company-reported; scope: 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. [3](https://cyberresilience.com/products/technology-errors-and-omissions-insurance "Technology E&O") (Evidence: Company-reported; scope: "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](https://cowbell.insure/wp-content/uploads/pdfs/CB-US-PrimeTech-Overview-1.pdf "Prime Tech Product Overview") [2](https://cowbell.insure/wp-content/uploads/pdfs/CB-PrimeTechPlusOverview.pdf "Prime Tech Plus Product Overview") (Evidence: Company-reported; scope: 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. [3](https://cyberresilience.com/products/technology-errors-and-omissions-insurance "Technology E&O") (Evidence: Company-reported; scope: "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. [1](https://cowbell.insure/wp-content/uploads/pdfs/CB-US-PrimeTech-Overview-1.pdf "Prime Tech Product Overview") (Evidence: Company-reported; scope: Prime Tech FAQ, 'What coverage is offered?' and 'other associated costs' lists..)<br><br>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. [1](https://cowbell.insure/wp-content/uploads/pdfs/CB-US-PrimeTech-Overview-1.pdf "Prime Tech Product Overview") (Evidence: Company-reported; scope: '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. [3](https://cyberresilience.com/products/technology-errors-and-omissions-insurance "Technology E&O") (Evidence: Company-reported; scope: "Coverage Certainty" benefit on the product page; the actual policy as issued controls..)<br><br>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. [3](https://cyberresilience.com/products/technology-errors-and-omissions-insurance "Technology E&O") (Evidence: Company-reported; scope: "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](https://cowbell.insure/wp-content/uploads/pdfs/CB-US-PrimeTech-Overview-1.pdf "Prime Tech Product Overview") [2](https://cowbell.insure/wp-content/uploads/pdfs/CB-PrimeTechPlusOverview.pdf "Prime Tech Plus Product Overview") (Evidence: Company-reported; scope: 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. [3](https://cyberresilience.com/products/technology-errors-and-omissions-insurance "Technology E&O") (Evidence: Company-reported; scope: Technology E&O product page introduction, accessed 2026-09-23..) |

## About Cowbell and Resilience and Tech E&O Insurance

- [Cowbell company profile](https://spot.insure/insurance-providers/cowbell) · [Cowbell customer reviews](https://spot.insure/insurance-providers/cowbell/reviews)
- [Resilience company profile](https://spot.insure/insurance-providers/resilience) · [Resilience customer reviews](https://spot.insure/insurance-providers/resilience/reviews)
- [What Is Technology Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/technology-errors-omissions)

## Related Pages for Cowbell vs Resilience Tech E&O Insurance

- [Cowbell vs Resilience](https://spot.insure/compare/cowbell-vs-resilience): all coverage lines, business roles, service and claims.
- [What Is Technology Errors and Omissions (E&O) Insurance?](https://spot.insure/coverage/technology-errors-omissions): Technology errors and omissions can help pay when a customer claims your software, hosting, installation or tech advice caused financial loss; cyber incidents need separate review.
- [Cowbell Tech E&O Insurance](https://spot.insure/insurance-providers/cowbell/technology-errors-omissions)
- [Resilience Tech E&O Insurance](https://spot.insure/insurance-providers/resilience/technology-errors-omissions)

## Sources for Cowbell vs Resilience Tech E&O Insurance

### Sources About Cowbell

1. [Prime Tech Product Overview](https://cowbell.insure/wp-content/uploads/pdfs/CB-US-PrimeTech-Overview-1.pdf). Cowbell; Product Overview; Risk Appetite; Prime Tech Coverage Benefits; Prime Tech FAQ (typical Tech E&O claims scenarios, coverage offered, associated costs). Accessed 2026-09-23.
2. [Prime Tech Plus Product Overview](https://cowbell.insure/wp-content/uploads/pdfs/CB-PrimeTechPlusOverview.pdf). Cowbell; Product Overview; Seamless excess protection; Tailored for technology providers; Risk Appetite industry list. Accessed 2026-09-23.

### Sources About Resilience

3. [Technology E&O](https://cyberresilience.com/products/technology-errors-and-omissions-insurance). Resilience; "Comprehensive coverage for technology risks" segment list; "Key Benefits" section: A Broad Market Appetite, Comprehensive Coverage, Coverage Certainty, Superior Capacity. Accessed 2026-09-23.
4. [Disclaimer](https://cyberresilience.com/disclaimer/). Resilience; USA paragraph: "Insurance products are distributed by Ocrea Risk Services, LLC (NPN 19169260) dba Resilience Cyber Insurance Solutions. Resilience products are underwritten by Homeland Insurance Company of New York or Homeland Insurance Company of Delaware, each subsidiaries of Intact Insurance Group USA LLC". Accessed 2026-09-23.
5. [Claims & Incident Response](https://cyberresilience.com/products/claims-incident-response). Resilience; "Our Claims Advantage" and "Our Difference" sections: 24/7 in-house Claims & Incident Response team, fully in-house claims staff, dedicated claims manager from triage through settlement, world-class outside panel. Accessed 2026-09-23.

Updated 2026-09-25. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/cowbell-vs-resilience/technology-errors-omissions.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)