Cowbell Prime One
Cowbell Prime One is a cyber insurance product underwritten by Cowbell (UK) (Cowbell Cyber Inc. (USA)), available in UK. It is aimed at small and medium-sized businesses and mid-market companies. Coverage limits reach up to Bespoke; aggregate or any one claim basis; limits per submission.. The policy extends beyond standard cyber liability with Cyber crime / FTF. Policyholders get 6 bundled proactive services — Penetration testing, Training & awareness, Risk assessment and Incident response, among others — designed to reduce breach risk before a claim ever happens. The carrier holds an AM Best rating of A+ (Superior) – AM Best. The product signals support for NIS2/DORA regulatory requirements. It is distributed through insurance brokers.
Product Details§ 01
Advantages & Limitations§ 02
Advantages
- Cowbell UK: AI-native cyber MGA operating in UK market; Cowbell Factors™ continuous risk scoring; closed-loop risk management platform.
- Cowbell Prime One (UK): standalone cyber insurance programme for SMEs and mid-market; annual turnover up to £1bn; written on A+ and A rated paper backed by panel of leading global reinsurers.
- Coverages: ransomware, business interruption, data breach, network security liability, privacy liability, cyber extortion, data recovery, social engineering/FTF, reputational harm.
- Broad sector appetite: accounting, contractors, dental, financial services, healthcare, hospitality, insurance brokerages, law firms, manufacturing, non-profits, professional services, retail, transportation, wholesale.
- UK Resiliency Services (complimentary): Risk Assessment, Cowbell Insights, Cybersecurity Awareness Training, IR Plan Template, Micro-Penetration Testing.
- UK subscription add-ons: full Penetration Testing, Cybersecurity Awareness Training.
- Cowbell Factors™: easy-to-understand risk ratings revealing vulnerabilities clearly; Cowbell Connectors: integrations with leading cloud and security providers.
- 24/7 in-house claims specialists; API-based quoting; Cowbell Academy for broker training.
Limitations
- Broker-only distribution in UK.
- SME to mid-market; turnover up to £1bn.
- UK GDPR and Cyber Security and Resilience Bill advisory context.
Contact & Response§ 03
Frequently asked questions§ 04
+Who is Cowbell Prime One designed for?
Cowbell Prime One by Cowbell (UK) targets small and medium-sized businesses and mid-market companies in UK. Geographic scope: UK..
+What proactive security services are included with Cowbell Prime One?
The policy bundles 6 proactive services: Penetration testing, Training & awareness, Risk assessment, Incident response, Risk platform / portal and Pre-breach advisory. These preventive services are typically included in the premium.
+Does Cowbell Prime One help with NIS2 or DORA compliance?
Cowbell (UK) indicates the following NIS2/DORA support for this product: UK Cyber Security and Resilience Bill advisory included..
+How can I buy Cowbell Prime One in UK?
Cowbell Prime One is sold through insurance brokers — broker contact: https://console.cowbellcyber.co.uk/. Compare it with alternatives in UK on Ryskly before approaching a broker.