GeneralAverage

Corgi vs Cowbell: How Do They Compare for Business Insurance?

Corgi packages startup coverage by stage; Cowbell focuses on cyber and technology E&O, with risk services and a separate Zurich management-liability collaboration.

Introduction to the Corgi vs Cowbell Comparison

A software startup weighing bundled coverage against a focused cyber program should compare limits and included response services. Corgi organizes its package by company stage; Cowbell offers Prime Tech, Prime Tech Plus excess and a separate Zurich management-liability option. Choose Corgi if your funding stage shapes a broader startup package; choose Cowbell if you need cyber and technology E&O. 37 39 2

Buyer Takeaways for Corgi vs Cowbell

Corgi Buyer Takeaways

  • Startup packages scale from pre-seed to growth, with a custom option. 2,3,6,15Company-reported. Company website positioning and package names; named customer stories on the customers page are testimonials, not a verified book of business.
  • Use Corgi’s dashboard to adjust coverage as your company grows. 2,1Company-reported. Company description of post-bind servicing and cancellation. Actual endorsement terms remain in the policy. This does not establish a specific renewal guarantee or a finding that renewals are unavailable.

Cowbell Buyer Takeaways

  • Compare Cowbell’s primary and excess cyber options against your company’s size and risk. 31,33,34,35,36,37Company-reported. Current U.S. broker-resource catalogue and product overviews. Product descriptions are illustrative and actual forms control.
  • Cyber policies may include risk insights and training; other security services are optional. 44,33,37Company-reported. Current U.S. resiliency-services catalogue and cyber product overviews. Eligibility, third-party terms and whether a service is bundled depend on the policy and service agreement.

Corgi vs Cowbell Coverage Lines Compared

CoverageCorgiCowbell
Business owner’s policyListed 2Corgi lists a business owner’s policy in its coverage catalog.Not listed
Cargo and transitListed 2Corgi lists a cargo contractual liability product in its transportation offering.Not listed
Commercial autoListed 2Corgi links to trucking auto-liability coverage from its transportation menu.Not listed
CrimeListed 2Corgi lists crime insurance among its main policies.Listed 40,41Cowbell offers a crime module in Zurich Select Plus for small and medium private companies, available through appointed Zurich E&S wholesalers.
Cyber liabilityListed 2Corgi lists cyber insurance among its business insurance offerings.Listed 33,34,35,36,37Cowbell offers standalone and excess cyber products through its insurance-agency business.
Directors and officersListed 2Corgi lists directors and officers insurance among its business insurance offerings.Listed 40,41Cowbell offers Zurich Select Plus D&O for small and medium private companies, available through appointed Zurich E&S wholesalers.
Employment practices liabilityListed 2Corgi lists employment practices liability among its business-insurance offerings.Listed 40,41Cowbell offers Zurich Select Plus employment practices coverage for small and medium private companies, available through appointed Zurich E&S wholesalers.
Fiduciary liabilityListed 2Corgi lists fiduciary liability in its coverage catalog and package options.Listed 40,41Cowbell offers Zurich Select Plus fiduciary liability for small and medium private companies, available through appointed Zurich E&S wholesalers.
General liabilityListed 2Corgi lists commercial general liability among its business insurance offerings.Not listed
Hired and non-owned autoListed 2Corgi lists hired and non-owned auto liability for employees using rented or personal vehicles for company business.Not listed
Kidnap and ransomListed 2Corgi lists kidnap and ransom among its specialized business-insurance offerings.Not listed
Liquor liabilityListed Corgi markets liquor liability for eligible veterans’ and fraternal lodges with licensed on-premises bars.Not listed
Management liabilityNot listedListed 40,41Cowbell provides access to Zurich management liability for private businesses with fewer than 250 employees and under $50 million in assets through Zurich-appointed wholesalers.
Media liabilityListed 2Corgi lists media liability insurance among its coverage offerings.Not listed
Medical malpracticeListed 2Corgi markets medical malpractice insurance for health care professionals and organizations.Not listed
Professional errors and omissions (E&O)Listed 2Corgi lists miscellaneous errors and omissions coverage for service-based businesses.Not listed
Representations and warrantiesListed 2Corgi lists representations and warranties insurance for M&A buyers and sellers.Not listed
Technology errors and omissions (E&O)Listed 2Corgi lists technology errors and omissions insurance for technology products and services.Listed 38,39Cowbell markets combined technology errors and omissions and cyber coverage, plus follow-form excess, for technology businesses with revenue up to $1 billion.
Umbrella and excess liabilityListed 2Corgi lists commercial umbrella liability insurance.Not listed
Workers’ compensationListed 2Corgi lists workers’ compensation insurance.Not listed

A listing may be arranged through an insurer or partner. “Not listed” means this catalogue has no separate offering recorded; ask the provider whether it can quote the coverage and request the policy terms.

Corgi vs Cowbell Research by Coverage Line

Open what Corgi and Cowbell each document for one coverage line.

Current Reliability Scores for Corgi and Cowbell

Each score uses the rubric for that provider’s documented role. Providers with more than one role may have a score for each.

Corgi Reliability Scores

Hybrid provider

Broker

No Reliability Score

Carrier & MGA

No Reliability Score

Provider assessment

Corgi and Cowbell Review Scores for 2026

These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.

Corgi Review Score

-/ 10

Review Score

No reviews found

The reviewed sources did not yield customer reviews; the inspected Trustpilot profiles showed none. Its Trustpilot page exists but shows no reviews or rating.

Read Corgi reviews

Cowbell Review Score

2.0/ 10

Review Score

1 rated source

Cowbell has one public rating we could find: 1.0 out of 5 on SourceForge from three reviews in 2023. That's too few and too old to say much.

Read Cowbell reviews

Key Differences Between Corgi and Cowbell

Cyber Limits, Technology E&O and Excess Layers

Consider a company that supplies hosted software and whose customer wants more protection before expanding the contract. A breach expense, an outage and a customer’s allegation that software failed to perform are different issues to put in the submission. Cowbell’s Prime Tech combines technology E&O and cyber, while Prime 100 and related standalone cyber programs follow a different scope. Corgi markets technology E&O, a Tech & AI Liability module and cyber. Compare which losses and activities each offered form addresses, rather than asking which website lists the most cyber features. 38 33 2 8

Cowbell offers separate excess cyber and excess technology E&O/cyber products. An excess policy supplies another layer above specified underlying insurance. Its “follow-form” description means it is intended to track parts of that underlying wording, not that every exclusion or reporting condition is identical. If retaining a Corgi primary policy is being considered, ask the broker whether that exact policy qualifies and obtain both forms for comparison. Cowbell’s catalogue alone does not establish compatibility with Corgi. 37 39 1

Security Services and Insurance Upgrades

Cowbell documents security connectors, risk ratings, training and resiliency services. That gives the company’s security lead something specific to evaluate alongside the finance team’s insurance quote: which integrations are supported, who receives findings and which services duplicate tools already purchased. Some offerings are complimentary, time-limited or available by subscription. A service entitlement needs duration and price, not only the phrase “risk management included.” 44 38

Corgi’s reviewed service description emphasizes adding and upgrading insurance as the company hires, raises money and signs contracts. That addresses a different operating task from Cowbell’s documented security tools. Ask Corgi what prevention services accompany the actual proposal; the different public descriptions do not establish that Corgi offers none or that Cowbell’s tools reduce this buyer’s losses. 2 44

Directors Coverage and Wholesale Distribution

Corgi includes directors and officers (D&O) coverage in its startup-package descriptions and provides a public example of the form. Cowbell’s Zurich Select Plus offering provides modular D&O, employment-practices, fiduciary and crime options through appointed Zurich E&S wholesalers. If the same procurement also covers the board, ask the retail broker how it accesses that wholesale program; cyber access alone does not establish Select Plus access. A wholesale distribution channel also does not mean the policy is non-admitted: Zurich describes Select Plus as admitted. 2 5 41

Corgi’s D&O example names Technology Risk Retention Group. Corgi says TRRG has no AM Best rating, and risk retention group (RRG) policies lack state guaranty-fund protection. Corgi also describes eligible admitted/partner alternatives. Cowbell’s products likewise need an insurer-specific check: its cyber brochures name different insurers by program, and Zurich’s collaboration does not make Zurich the insurer on every Cowbell product. If the customer specifies a rating or admitted status, put those requirements into both submissions. 1 20 33 36 41

Renewal, Incidents and Program Cost

Cowbell’s FAQ distinguishes Prime 100’s advance renewal proposal from Prime 250’s signed-application and underwriting process. An upgrade between programs can therefore change the information and lead time needed at renewal. Corgi describes dashboard changes, while renewal terms depend on the policy. Ask both who updates the company’s revenue, services and security information, particularly if a customer contract increased the required limits during the year. 42 2 1

For incident planning, Cowbell describes an around-the-clock cyber claims team and response panel. Corgi describes reporting, documentation and legal coordination, with an affiliated or third-party administrator potentially involved. Match the offered policy’s reporting instructions and approved vendors to the company’s incident plan. Availability of assistance does not establish payment quality, and the insurer remains responsible for covered obligations. 43 2 1

Cost comparison should separate premium from the services being bought. Cowbell discloses payment-method and financing charges, while its public sources do not establish every producer-compensation amount. Corgi discloses possible commissions or fees. Include any Cowbell security subscription, retained policies and excess layer in the budget; comparing an entire Corgi package with a cyber-only quote would answer the wrong question. 42 24 44 1

What Should You Confirm in Corgi and Cowbell Quotes?

  • The contract and coverage map: separate technology-performance liability, cyber response and board needs, identifying the proposed Corgi coverage and exact Cowbell program. 2 38
  • Primary and excess forms together: eligibility of the underlying insurer, attachment point, shared definitions, exclusions and notice requirements. Do not assume a Cowbell excess policy accepts a Corgi primary. 39 1
  • A service entitlement and cost schedule: connectors, training, incident vendors, trials and paid subscriptions, plus all insurance and payment charges. 44 42 1
  • A renewal and reporting plan: who updates the risk information, which application is needed, and which contacts receive a cyber incident or board claim. 42 43 1

Corgi vs Cowbell Services Compared

What each provider documents about the services you may need

CriteriaCorgiCowbell
Customer focus

Technology startups can compare Corgi packages for pre-seed/seed, Series A and growth stages, or ask about a custom option. 2,3,6,15Company-reported. Company website positioning and package names; named customer stories on the customers page are testimonials, not a verified book of business.

Small businesses in offices, retail, restaurants, personal services, self-storage, wholesale, community associations or rental properties may have a new Corgi option; its August 2026 filing announcement says state and product availability differ. 9Company-reported. Company-announced admitted-carrier appetite. Filing a product is not the same as confirmed availability in a given state.

Small and midsize businesses can compare Cowbell cyber options, while middle-market firms can consider broader programs; Prime 100 targets up to $100 million revenue and Prime 250/Tech up to $1 billion. 32,33,34,35,38Company-reported. Published U.S. product appetites; eligibility is subject to underwriting and product-specific class restrictions.

Coverage lines

Startup packages can combine general liability, D&O, Tech E&O, cyber, media, employment practices, fiduciary and hired/non-owned auto; Corgi also offers a Tech & AI Liability module. 2,8,10Company-reported. Website product labels and package descriptions. Labels are not equivalent coverage, and website summaries are not policy wording.

If you need D&O, Corgi’s example shows claims-made protection for directors, officers and the company under form CORG-DO-0100, issued by Technology Risk Retention Group. The example puts defense costs inside the limit and has a $25,000 per-claim retention; your policy controls. 5Company-reported. Public product-page summary last reviewed 24 April 2026 on the page itself; illustrative limits and retentions may differ from a buyer’s policy.

A package that includes property needs another insurer if its liability policy uses a risk retention group, because such groups can write business liability but not property coverage. 19,21Verified. Statutory limit on what an RRG may write. It does not by itself prove which Corgi product sits on which paper.

You can compare Cowbell’s distinct admitted Prime 100/100 Pro, non-admitted Prime 250/Prime One and follow-form excess Prime Plus programs; their revenue fit, limits, coverage and jurisdiction differ. 31,33,34,35,36,37Company-reported. Current U.S. broker-resource catalogue and product overviews. Product descriptions are illustrative and actual forms control.

Cowbell advertises up to $3 million for Prime 100 Pro, up to $10 million for select Prime One risks including AI and quantum exposures, and up to $5 million excess through Prime Plus; underwriting and policy terms control. 34,36,37Company-reported. Selected differentiators in current U.S. product overviews; these are maximum advertised limits, not guaranteed buyer terms.

Eligible technology firms up to $1 billion revenue can ask about non-admitted Prime Tech, combining Tech E&O and cyber with up to $5 million limits; Prime Tech Plus is a separate excess option up to $5 million. 38,39Company-reported. Current U.S. Prime Tech and Prime Tech Plus marketing overviews; product appetite and actual terms are subject to underwriting.

Private companies under 250 employees and $50 million assets may consider Zurich Select Plus for D&O, EPL, fiduciary or crime; Zurich says appointed E&S wholesalers use Cowbell’s platform. 40,41Verified. Current Zurich Select Plus U.S. wholesale offering. Availability through a wholesaler does not guarantee eligibility or inclusion of all four modules.

Use your issued policy to decide what is covered: Cowbell says product overviews are examples only and do not alter coverage, conditions, exclusions, availability or underwriting. 33,34,35,36,37,38,39Company-reported. Disclaimers in the current U.S. Prime 100, Prime 100 Pro, Prime 250, Prime One, Prime Plus, Prime Tech and Prime Tech Plus overviews.

Servicing and renewals

You can add or upgrade policies through Corgi’s dashboard as funding, hiring or contract needs change; renewal and cancellation remain subject to your policy and state rules. 2,1Company-reported. Company description of post-bind servicing and cancellation. Actual endorsement terms remain in the policy. This does not establish a specific renewal guarantee or a finding that renewals are unavailable.

Cowbell pairs cyber coverage with risk ratings, policyholder insights, security connectors, training and resiliency support; included access may be limited or trial-based, while some services require a subscription. 44,33,37Company-reported. Current U.S. resiliency-services catalogue and cyber product overviews. Eligibility, third-party terms and whether a service is bundled depend on the policy and service agreement.

Ask your agent how to request changes or cancel; Cowbell directs policyholders to agents for cancellations and agents to Cowbell for endorsements. Prime 100 renewal proposals start around 60 days before expiry; Prime 250 requires a signed application and underwriting. 42Company-reported. Current public FAQ for P100 and P250; other products and individual policy terms may use different servicing and renewal procedures.

Fees and compensation

Ask for the commission or customer fee on your policy because Corgi Insurance Services may receive either from you or the insurer. 1Company-reported. Producer compensation disclosure. Website, self-serve, or other direct distribution is not a finding of zero commissions or fees. Specific amounts were not published in the reviewed sources.

Corgi gives annual price examples of $2,000–$5,000 for eligible pre-seed/seed startups and $5,000–$15,000 for Series A; your quote depends on risk, state, coverage and limits. 2,6,7Company-reported. Company-reported ranges and a marketing savings claim, not comparable quotes. They are not premiums for a defined risk, limit, retention, or policy period. “Underwrites directly” is not a finding of zero producer commissions or fees, and no public methodology for the 30 percent figure was found.

Cowbell lists several payment methods and financing for direct-billed policies; credit cards carry a disclosed 2.99% processing fee, and financing terms are shown before enrollment. 42Company-reported. Current U.S. direct-bill FAQ. Agency-billed policies use different payment routes, and policy invoices control account-specific instructions.

Request your broker’s compensation disclosure and itemized premium because reviewed US sources do not publish Cowbell’s producer commissions or universal premiums. 24,42,27,32Not found in reviewed sources. Review of Cowbell's U.S. terms, FAQ, licensing page and current product overviews as of 15 September 2026; this is not a finding that compensation or other fees do not exist.

Claims assistance

Corgi says its claims team can help with reporting, documents, legal coordination and updates, but an affiliate or third-party administrator may handle the file; the named insurer decides coverage and payment. 1,2,12Company-reported. Company claims-handling and TPA disclosures. Offering claims administration is not a measure of claims-payment quality, and the TPA announcement does not by itself identify the administrator on a Corgi-issued policy.

Cowbell says its in-house cyber claims team and response panel are available 24/7; have your policy number, incident date, details and contact ready. The issuing insurer and policy determine coverage and payment. 43,33,36Company-reported. Cowbell's current U.S. cyber claims-services page and product overviews; company-reported service description, not an independently measured outcome.

Sources for Corgi vs Cowbell

Corgi Official Website

  1. Disclaimers & Licensing. Corgi Insurance Services, Inc.; Carrier Financial Strength (including “federally chartered” and “federal prudential oversight” wording); About Corgi; Licensing; Premium and Payment Disclosures (producer commissions, fees, or other consideration, amounts available on request); Binding Authority and Policy Issuance; page last updated 04/05/26. Accessed 2026-09-15.
  2. Corgi Insurance homepage. Corgi Insurance Services, Inc.; Product packages: Cyber and Directors & Officers; Growth Stage and Custom Package; Self-Serve (apply, get quoted in minutes, bind same-day) and Book a Demo paths; Explore Our Main Policies: Commercial General Liability, Crime Insurance, Fiduciary Liability, Hired and Non-Owned Auto (HNOA), Worker’s Compensation; Specialized coverages: Employment Practices Liability (EPLI), K&R (Kidnap & Ransom), Representations and Warranties; Commercial Umbrella Liability; Business Owners Policy (BOP); Coverage sales cards: Media Liability, Medical Malpractice, Miscellaneous E&O; Core Operations: Tech E&O Insurance; Tech & AI Liability product module; Transportation menu: Auto Liability, Contractual Liability Insurance - Cargo; FAQ on cost, claims, and binding; footer entity, program-administrator and issuing-carrier notices. Accessed 2026-09-16.
  3. About Corgi. Corgi Insurance Services, Inc.; Company description; Federally Regulated, A-Rated Admitted Access, and Licensed Nationwide sections. Accessed 2026-09-15.
  4. Insurance Producer Licenses. Corgi Insurance Services, Inc.; Corgi Insurance Services, Inc. state-by-state producer license table. Accessed 2026-09-15.
  5. Directors & Officers (D&O) Insurance for Startups. Corgi Insurance Services, Inc.; Form CORG-DO-0100 coverage summary; policy notes stating TRRG underwrites the D&O coverage part; footer identifying Corgi Insurance Company, Inc. NAIC 17989. Accessed 2026-09-15.
  6. Customer Success Stories. Corgi Insurance Services, Inc.; Page heading and named technology-company testimonials; cost FAQ. Accessed 2026-09-15.
  7. Partnerships. Corgi Insurance Services, Inc.; Direct Underwriting savings claim; partner-page process; onboarding-to-claims handling claim. Accessed 2026-09-15.
  8. Insurance for AI, Built for Model Risk. Corgi Insurance Services, Inc.; Tech & AI Liability product description and related AI-risk FAQ. Accessed 2026-09-15.
  9. Corgi Insurance Launches Admitted Insurance Carrier. PR Newswire (Corgi press release); Announcement of Corgi Insurance Company, Inc.; planned small-business product classes; guaranty-association eligibility statement. Accessed 2026-09-15.
  10. Corgi Insurance Raises $108 Million, Receives Regulatory Approval to Launch the First Full-Stack Insurance Carrier for Startups. PR Newswire (Corgi press release); 9 January 2026 funding announcement; listed startup coverage lines; ARR figure. Accessed 2026-09-15.
  11. Corgi Reaches $2.6B Valuation With $106M Series B1 Three Weeks After $160M Unicorn Round. PR Newswire (Corgi press release); 28 May 2026 company statement of $378 million total funding and planned vertical expansion. Accessed 2026-09-15.
  12. Corgi Insurance Launches Corgi Claims, the AI-Native TPA. PR Newswire (Corgi press release); 29 June 2026 launch of Corgi Claims as a TPA; disclaimer that claims services are provided through licensed subsidiaries and affiliates. Accessed 2026-09-15.
  13. Corgi Insurance and Silicon Valley Bank Partner to Connect Clients to Preferred Coverage Solutions. PR Newswire (Corgi and Silicon Valley Bank press release); 17 June 2026 partnership announcement for SVB client access to Corgi products. Accessed 2026-09-15.
  14. Corgi: Rebuilding Insurance with AI. Kindred Ventures; 8 January 2026 investor announcement describing Corgi as a full-stack carrier with a captive reinsurer; 40,000+ policyholders across 49 states. Accessed 2026-09-15.
  15. Corgi Insurance company profile. Y Combinator; Summer 2024 batch; San Francisco location; 2024 founding; team size 250; description as a full-stack insurance carrier for startups. Accessed 2026-09-15.
  16. Registered Federal Risk Retention Groups. Rhode Island Department of Business Regulation; Report date 23 June 2026; registration entry for Technology Risk Retention Group, Inc., NAIC 17763, 425 Bush St., San Francisco, CA 94108. Accessed 2026-09-15.
  17. NAIC Listing of Companies. National Association of Insurance Commissioners; June 2026 listing, numerical entry 17763 P 1 AZ TECHNOLOGY RRG INC. Accessed 2026-09-15.
  18. Insurance Topics: Risk Retention Groups. National Association of Insurance Commissioners; Topic page last updated 13 October 2025: member-owned liability insurers formed under state and federal law; may be formed under a state's captive or traditional insurance laws; domiciled in one state and registered in others; treated as multi-state companies subject to modified NAIC accreditation standards. Accessed 2026-09-15.
  19. 15 U.S.C. § 3901 — Definitions. U.S. House Office of the Law Revision Counsel; Liability Risk Retention Act definitions of liability and risk retention group, including state charter, member-ownership, and liability-only activity limits. Accessed 2026-09-15.
  20. 15 U.S.C. § 3902 — Risk retention groups. U.S. House Office of the Law Revision Counsel; Non-domicile state registration and policy notice requirements; exemption from state insurance insolvency guaranty associations. Accessed 2026-09-15.
  21. Arizona Revised Statutes § 20-2402. Arizona Legislature; Risk retention groups chartered and licensed in Arizona may write only liability insurance under that chapter. Accessed 2026-09-15.
  22. Corgi built its name insuring AI startups. Its new carrier targets dry cleaners, salons and more. Insurance Business; 27 August 2026 report identifying Technology Risk Retention Group as an Arizona-chartered RRG and noting that the admitted-carrier announcement does not specify domicile, licensed states, or rating status. Accessed 2026-09-15.

Cowbell Official Website

  1. Cowbell. Cowbell; What We Do; Assess, Insure, Respond and Improve; U.S. navigation; footer legal disclosure. Accessed 2026-09-15.
  2. Terms And Conditions. Cowbell; Opening paragraphs identifying Cowbell Cyber, Inc. and its subsidiaries; Paid Services §3; footer producer disclosure. Accessed 2026-09-15.
  3. Company. Cowbell; Technology That Signals Protection; Backed By Prominent Venture And Growth Investors; office locations; footer legal disclosure. Accessed 2026-09-15.
  4. Our Next Era — Cowbell Closes $60M Series C Round. Cowbell; 26 July 2024 announcement describing Zurich as a Series C investor and partner. Accessed 2026-09-15.
  5. License Information. Cowbell; Cowbell Insurance Agency LLC producer and surplus-lines license lists for 50 states and the District of Columbia; footer availability qualification. Accessed 2026-09-15.
  6. Business Name Search. California Department of Insurance; License search for Cowbell Insurance Agency. Accessed 2026-09-15.
  7. Palomar Specialty Insurance Company — Company Profile. California Department of Insurance; Company information: NAIC 20338, California ID 1969-5, Unlimited-Normal status, property-and-casualty company, Oregon domicile. Accessed 2026-09-15.
  8. Find An Agent. Cowbell; State selector and directory of appointed U.S. agents and brokers. Accessed 2026-09-15.
  9. Broker Resources. Cowbell; Current U.S. sales enablement catalog listing Prime 100, Prime 100 Pro, Prime 250, Prime One, Prime Plus, Prime Tech and Prime Tech Plus materials. Accessed 2026-09-15.
  10. Cowbell Overview. Cowbell; Our Products: cyber, Professional Indemnity, Zurich management liability and Cowbell Resiliency Services; product-level qualifications. Accessed 2026-09-15.
  11. Prime 100 Product Overview. Cowbell; PDF pp. 1–4: admitted standalone cyber for businesses up to $100 million revenue; Palomar paper; coverage descriptions; US0001 1025 disclaimer. Accessed 2026-09-16.
  12. Prime 100 Pro Product Overview. Cowbell; PDF pp. 1–4: admitted cyber for businesses up to $100 million; enhanced options and $3 million limit; 47-state list; Palomar paper; US0001 0826 disclaimer. Accessed 2026-09-16.
  13. Prime 250 Product Overview. Cowbell; PDF pp. 1–4: non-admitted standalone cyber for businesses up to $1 billion; 50 states and D.C.; Palomar and Chaucer paper; illustrative-coverage disclaimer. Accessed 2026-09-16.
  14. Prime One Product Overview. Cowbell; PDF pp. 1–3: non-admitted cyber for advanced digital exposures, typically $250 million-plus revenue; selected risks up to $10 million; Chaucer Specialty; US0001 0426. Accessed 2026-09-16.
  15. Prime Plus Product Overview. Cowbell; PDF pp. 1–2: non-admitted follow-form excess cyber for businesses up to $1 billion; up to $5 million excess limits; A-rated carriers; US0001 0226. Accessed 2026-09-16.
  16. Prime Tech Product Overview. Cowbell; PDF pp. 1–4: non-admitted combined Technology E&O and cyber for technology businesses up to $1 billion; up to $5 million; surplus lines in 50 states; edition PRIME TECH US0001 1025. Accessed 2026-09-16.
  17. Prime Tech Plus Product Overview. Cowbell; PDF pp. 1–3: Seamless excess protection: follow-form excess Technology E&O and cyber for technology businesses up to $1 billion; up to $5 million; A-rated paper; edition PRIME PLUS US0002 1025. Accessed 2026-09-16.
  18. Management Liability Coverage For Small And Medium Enterprises. Cowbell; FAQs: How can I access… and What size accounts are targeted?; Cowbell Management Liability introduction; Zurich Select Plus description: admitted paper; private-company D&O, employment practices, fiduciary liability and crime modules. Accessed 2026-09-16.
  19. Small And Midsize Business Management Liability. Zurich North America; Zurich Select Plus collaboration; admitted paper and Zurich Claims; modular suite: D&O, Employment Practices and Third-Party Discrimination Liability, Fiduciary Liability and Crime modules; access for appointed Zurich E&S wholesalers; target under 250 employees and $50 million assets; access and target-account FAQs. Accessed 2026-09-16.
  20. Frequently Asked Questions. Cowbell; Policy cancellation; direct- and agency-bill payment; 2.99% credit-card fee; premium financing; P100 and P250 renewals; endorsements; risk-engineering call. Accessed 2026-09-15.
  21. Claims And Incident Response Services. Cowbell; Cowbell Claims Approach; incident-response panel; reporting channels; initial company, incident-date and contact information; claims assistance description. Accessed 2026-09-15.
  22. Cowbell Resiliency Services. Cowbell; Cybersecurity services; policyholder access and trials; subscription services; service-provider and insurance-coverage qualifications. Accessed 2026-09-15.

Updated . Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. Editorial policy. To suggest a correction, email The General Average with the page URL and supporting source.

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