Cowbell Cyber Inc. (Cowbell Cyber Inc. (USA))

Cowbell Prime Plus

by Cowbell Cyber Inc.
B2BA+MGAUSAEnglish
Last updated 46143

Product Details§ 01

Max Insurance Limit
Bespoke excess limits; follows primary policy capacity.
Min Premium / Revenue
Mid-market; requires in-force primary cyber policy; no published minimum.
Market Focus
MID, LARGE
Coverage
Cyber crime / FTF, Primary & excess
AM Best Rating
A+ (Superior) – AM Best
MGA / Direct
Yes – MGA (Zurich and other rated carrier capacity).
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 Plus: excess cyber insurance for mid-market businesses; sits above primary Cowbell or third-party cyber policy.
  • Provides additional limits above primary policy; follows form of underlying policy.
  • Designed for clients needing aggregate limits beyond primary capacity; seamless integration with Cowbell primary products.
  • CRS resiliency services available to Prime Plus policyholders.

Limitations

  • Excess layer only — requires in-force primary cyber policy.
  • Mid-market focus; follows form of underlying primary policy.
  • USA.

Contact & Response§ 03

24/7 Crisis Hotline
24/7 in-house claims support / https://cowbell.insure/claims-services/