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

Cowbell offers up to $10 million on Prime One for select risks; Risklytics places cyber for robotics and AI firms and says contracts often ask for $1 million or more.

Cowbell assigns Prime products by revenue and names Palomar or Chaucer by tier. Risklytics says companies typically need cyber once they hold customer data in production, or when an enterprise or government contract requires it. ^1,^2,^3,^4,^6,⁷

What Are the Key Differences Between Cowbell and Risklytics Cyber Insurance?

Revenue Tiers Versus a Data-or-Contract Trigger

Cowbell tells you which Prime product to buy from revenue: Prime 100 up to $100 million, Prime 250 up to $1 billion, Prime One typically at $250 million and above. Risklytics does not publish revenue bands. It says companies typically need this coverage the first time they hold customer data in production, and that enterprise and government contracts require it once a vendor touches their data. Cowbell's gate is size. Risklytics' gate is data and contracts. Choose Cowbell if you want a Prime product matched to revenue with a named insurer; choose Risklytics if your trigger is production customer data or a contract asking for cyber, and you want to apply online with a licensed producer on the file. ¹ ⁴ ⁶

Named Prime Paper Versus a Carrier Revealed at Bind

Cowbell names Palomar Specialty or Chaucer Specialty in the product overviews. Risklytics does not name the carrier that underwrites Risklytics Cyber Liability Insurance; it says it places business with specialist insurers willing to write robotics, autonomy and AI risk, and that the issuing carrier appears on the bound policy. ¹ ⁶ ⁷

Agent Bind Versus an Online Application With No Broker Fee

Cowbell Prime is sold through appointed agents, with Prime 100 described as a minutes-long bind. You start Risklytics Cyber Liability Insurance through its online application. Risklytics says there is no broker fee on top of the premium and a licensed producer stays on the file until the program binds. ¹ ⁸ ⁷

What Should You Confirm in Cowbell and Risklytics Cyber Insurance Quotes?

Ask Risklytics which specialist insurer would issue the policy and whether a $1 million-plus contract ask is the limit it will quote. ⁶
Ask which Cowbell Prime tier and insurer fit your revenue. ¹
Ask Cowbell for unpublished Prime 100 and Prime 250 base limits. ³

Cowbell vs Risklytics Cyber Insurance Compared

Cowbell vs Risklytics: Cyber Insurance: documented features by provider

Criteria	Cowbell Prime Cyber Insurance (Prime 100, Prime 100 Pro, Prime 250, Prime One, Prime Plus)	Risklytics Cyber Liability Insurance
Limits and Retentions	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.	Risklytics lists a typical ask of $1 million or more in enterprise contracts for this line. ⁶Company-reported. Lines page; actual limits are set on the bound policy.
Who It’s For	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.	Risklytics says companies typically need this coverage the first time they hold customer data in production, and that enterprise and government contracts require it once a vendor touches their data. ⁶Company-reported. Lines page.
How to Apply	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. ^1,²Company-reported. Prime 100 and Prime 100 Pro overview PDFs; speed figures are company-reported, not independently timed.	You start Risklytics Cyber Liability Insurance through Risklytics' online application. Risklytics says there is no broker fee on top of the premium and a licensed producer stays on the file until the program binds; its commission is paid by the carrier out of the premium either way. ^8,⁷Company-reported. Pricing page describes the general application and fee process, not a line-specific form.
Coverage Features	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.	Risklytics describes Cyber Liability as paying for breach cleanup, legally required notifications, and the claims that follow a hack or data leak, such as a ransomware attack or exfiltrated customer records, and says it does not respond to a model giving bad output with no breach involved. ⁶Company-reported. Lines page; the issued policy and declarations control actual coverage.
Role in This Line	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.	Risklytics Insurance Services is a licensed insurance producer (NPN 22311838) that places Risklytics Cyber Liability Insurance with outside carriers; it says it does not underwrite policies itself. ⁷Company-reported. About page; describes Risklytics' brokerage model generally, restated for this line.
Issuing Insurer	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.	Risklytics does not name the carrier that underwrites Risklytics Cyber Liability Insurance on its site. It says it places business with specialist insurers willing to write robotics, autonomy and AI risk; the issuing carrier appears on the bound policy. ^6,⁷Company-reported. Lines page and about page; no specific insurer is published for this line.
Risk Services	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.	Risklytics calls cyber the easiest line for its clients to get with reasonable security basics in place, and says whether a prompt-injection attack or a model leaking data is covered depends on policy wording it reads before binding. ⁶Company-reported. Lines page.