Cowbell vs 
TechInsurance: How Do They Compare for Tech E&O Insurance?
TechInsurance publishes a median of $67 a month for its bundle and leaves IP coverage to be added. Cowbell Prime Tech lists broad intellectual-property infringement coverage and limits up to $5M.
Cowbell's Prime Tech puts Tech E&O and cyber in one policy, with software copyright and broad IP cover and limits up to $5 million plus excess; TechInsurance sells IT firms two bundled policies, E&O and cyber, at a median of about $67 a month, with IP disputes usually added at extra cost. 1,2,3
What Are the Key Differences Between Cowbell and TechInsurance Tech E&O Insurance?
Higher Limits in One Policy vs a Priced Two-Policy Bundle
Cowbell's Prime Tech combines Tech E&O and cyber in one policy for tech businesses with up to $1 billion in revenue, with limits up to $5 million plus $5 million of Prime Tech Plus excess, sold through agents as surplus lines (fewer state protections). TechInsurance sells two policies together, E&O and cyber liability, for IT and technology companies, and says customers pay a median of $67 a month (about $807 a year) depending on profession, limits, access to personal data and claims history. It doesn't publish a maximum limit. Choose Cowbell if you need several million in limits or IP cover built in; choose TechInsurance if you're a small IT firm that wants a budget figure up front. 1 2 3
Broad IP and Delay Cover vs IP Usually Extra
Cowbell lists software copyright disputes and broad IP infringement among Prime Tech coverages, plus delay in delivery, product failures, extortion, restoration, social engineering and business interruption. TechInsurance's E&O half covers errors, undelivered services, missed deadlines, budget overruns and breach of contract, and its cyber half has first-party and third-party parts; it says IP or copyright disputes usually must be added. 1 3
What Should You Confirm in Cowbell and TechInsurance Tech E&O Insurance Quotes?
- Ask TechInsurance whether IP is added and whether the two policies share a limit or have separate limits. 3
- Ask Cowbell how the $5 million limit is shared between E&O and cyber, and which insurer issues it. 1
- Compare your actual premium, limits and retentions; TechInsurance's $67 median isn't a quote. 3 1
- Ask TechInsurance which insurer issues each policy. 3
Cowbell vs TechInsurance Tech E&O Insurance Compared
Cowbell vs TechInsurance: Tech E&O Insurance: documented features by provider
| Criteria | Cowbell Prime Tech / Prime Tech Plus | TechInsurance Technology Errors and Omissions (Tech E&O) Insurance |
|---|---|---|
| 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. | TechInsurance says tech E&O policyholders pay a median of $67 per month, or about $807 a year, with the exact premium depending on profession risk, policy limits, the amount and access to personally identifiable information the company handles, and claims history. 3Company-reported. Tech E&O product page cost section; a company-reported median from TechInsurance's own book of business, not a published rate table. |
| 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. | TechInsurance targets tech E&O at IT and technology businesses, listing software developers, MSPs, SaaS companies, IT consultants, app developers, data centers and cybersecurity firms among the professions it insures under this bundle. 3Company-reported. Tech E&O product page, Technology professionals we insure section. |
| 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. | TechInsurance says the E&O half of the bundle covers claims over errors, undelivered services, missed deadlines, budget overruns and breach of contract, while the cyber half splits into first-party coverage (for breaches of the buyer's own systems) and third-party coverage (for breaches on a client's systems the buyer worked on). 3Company-reported. Tech E&O product page; general policy description, not a specific policy form. TechInsurance says the standard tech E&O bundle does not automatically include coverage for intellectual property or copyright disputes; that coverage usually must be added to the policy. 3Company-reported. Tech E&O product page, Does E&O insurance cover media and intellectual property (IP) rights? 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. | TechInsurance sells technology errors and omissions (tech E&O) as a bundle of two policies, errors and omissions insurance and cyber liability insurance, built specifically for IT and technology companies. 3Company-reported. Tech E&O product page. |
