Cowbell Tech E&O Insurance

Cowbell Prime Tech / Prime Tech Plus

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.

Issuing Insurer

Not publicly disclosed. Neither reviewed PDF names the specific issuing insurer for Prime Tech or Prime Tech Plus; both state coverage, terms and availability vary by state and are subject to underwriting approval without naming a carrier. ^1,²Disclaimer paragraphs of both PDFs, read on 2026-09-23.

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.

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.

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.

Risk Services

Cowbell says Prime Tech is 'powered by Cowbell Co-Pilot,' its AI-driven assistive underwriting tool, and that policyholders get the same Cowbell Resiliency Services, Cowbell Connectors, and complimentary Wizer cybersecurity-awareness training offered on its cyber products. ¹Company-reported. Prime Tech PDF, page 2 (Cowbell Co-Pilot mention) and 'The Cowbell Advantage' list.

How to Apply

Cowbell says Prime Tech is available on a surplus-lines basis in all 50 states and is distributed through agents rather than direct to businesses. ¹Company-reported. 'Prime Tech Coverage Benefits' list, first bullet.