Cowbell Cyber Inc. (Cowbell Cyber Inc. (USA))
Cowbell Prime 100 Pro
by Cowbell Cyber Inc.
B2BA+MGA—USAEnglish
Last updated 46143
Product Details§ 01
Max Insurance Limit
Up to USD 3M (admitted, enhanced).
Min Premium / Revenue
Revenue up to USD 100M; no published minimum premium.
Market Focus
SME, MID
Coverage
Cyber crime / FTF
AM Best Rating
A+ (Superior) – AM Best
MGA / Direct
Yes – MGA (admitted paper; Zurich and other rated carriers).
Policy Language
English
NIS2 / DORA Support
Not applicable.
War Exclusion
War and nation-state cyber exclusion applied (LMA-aligned).
Geographic Scope
USA.
Broker Only
No
Advantages & Limitations§ 02
Advantages
- Cowbell: AI-native cyber MGA; closed-loop risk management platform; Cowbell Factors™ continuous risk scoring using 200+ proprietary signals (no questionnaire required for eligible risks).
- Cowbell Insights: actionable guidance to strengthen defences; Cowbell Connectors: integrations with cloud and security providers (MS365, Google Workspace, CrowdStrike etc.) that validate security practices automatically.
- Cowbell Resiliency Services (CRS — complimentary for all policyholders): Risk Assessment, Cowbell Insights, IR Plan Template, Cybersecurity Awareness Training (Wizer, unlimited seats first 12 months), Micro-Penetration Testing, Vendor Risk Assessment (VRA).
- CRS subscription add-ons: MDR (Managed Detection & Response), full Penetration Testing, IdentityAI (user-identity monitoring), COMPaaS (Compliance as a Service).
- 24/7 in-house claims specialists; expert claims support at policy inception; API-based quoting (bind in under 5 minutes).
- Cowbell Academy for broker training; Rx Marketplace for policyholder security discounts.
- Cowbell Prime 100 Pro: admitted, enhanced standalone cyber insurance for SMEs with up to $100M in revenue; broader coverage and higher limits than Prime 100.
- Enhanced coverages vs Prime 100: broader business interruption, enhanced extortion, social engineering, reputational harm, additional optional coverages.
- Same adaptive underwriting engine as Prime 100; Cowbell Factors™ continuous monitoring.
- Quote, bind and issue in under 5 minutes.
Limitations
- Admitted (standard market); revenue up to $100M.
- USA only (admitted paper).
- Enhanced version of Prime 100 — broader coverage, not excess layer.
Contact & Response§ 03
Customer Contact
24/7 Crisis Hotline
24/7 in-house claims support / https://cowbell.insure/claims-services/
Broker Contact