Cowbell vs Travelers Cyber Insurance

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. ^4,6,7Company-reported. Product overview PDFs for Prime 100, Prime 100 Pro, Prime 250, Prime One and Prime Plus.

Travelers underwrites CyberRisk Tech as a scalable policy for technology and life-sciences companies, letting a business choose cyber protection, technology E&O protection, or both within the same policy. ¹²Company-reported. Product page "What does cyber insurance coverage for technology companies include?" section.

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. ^4,6,7Company-reported. Footer/underwriting statements in each product PDF.

Not described in the reviewed sources.

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. ^4,5,6,7Company-reported. Risk Appetite sections of each PDF.

Travelers targets CyberRisk Tech at technology and life-sciences companies, citing their reliance on digital systems and sensitive data, including intellectual property and patient or clinical information. ¹²Company-reported. Product page introduction.

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. ^4,7Company-reported. Prime 100 Coverages and Prime One 'Emerging risk coverage' sections; illustrative, subject to the issued policy's terms.

Travelers says CyberRisk Tech includes technology errors and omissions, privacy and security, media and regulatory proceedings liability insuring agreements, plus breach response, cybercrime and business loss (first-party) coverages such as forensic investigations, public relations costs, business interruption loss and cyber extortion costs. ¹²Company-reported. Product page "How does CyberRisk tech coverage mitigate cyber risk?" and "What does cyber insurance coverage for technology companies include?" sections; exact terms and exclusions are set by the issued policy.

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. ^5,7,8Company-reported. Product overview PDFs; actual issued limits depend on underwriting.

The reviewed page does not publish limits, retentions or premiums for CyberRisk Tech; amounts would appear on a quote or declarations. ¹²Not found in reviewed sources. Product page as read on 2026-09-23.

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. ^4,6Company-reported. 'The Cowbell Advantage' section, repeated across the reviewed product PDFs.

Travelers includes Cyber Risk Services at no additional cost for Cyber-coverage policyholders: a 24/7 Cyber Risk Dashboard, continuous threat monitoring, pre-breach consultation, and post-breach support pairing policyholders with Claim specialists and an outside cyber breach coach who connects them to forensics investigators and crisis communications professionals. ¹²Company-reported. Product page "How can technology companies identify cyber risks earlier?" and "How do Cyber Risk Services support technology and life sciences policyholders?" sections; availability varies by policy eligibility.

Travelers says organizations that engaged with its Cyber Risk Dashboard and related services saw cyber claim frequency and severity reduced by nearly 20% compared with policyholders that did not, based on its own claims data. ¹²Company-reported. Product page footnote on the risk-reduction statistic; this is a company-reported outcome, not independently verified.

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. ^4,5Company-reported. Prime 100 and Prime 100 Pro overview PDFs; speed figures are company-reported, not independently timed.

CyberRisk Tech is bought through a Travelers independent agent or Travelers representative. ¹²Company-reported. Product page "Consult your insurance agent about cyber insurance for technology and life sciences" section.

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. ^7,4Company-reported. Prime One 'When an incident occurs' section and 'Expert Claims Support' feature repeated across the product PDFs.

Not described in the reviewed sources.