Business

Cyber Liability from Cowbell

Cyber liability insurance with enhanced coverage options for your business.

Limits

$50K – $3M

Deductible

$1K – $50K

Starting at

$14/month

Available

42 States

What is Cowbell Prime 100 Pro?

Cowbell Prime 100 Pro is designed for businesses of one, and for small and medium-sized enterprises with up to $100M in revenue, that need broader coverage and flexible options beyond a standard Business Owners Policy. It suits businesses seeking stronger protection against emerging threats, with coverage that grows alongside their operations.

Prime 100 Pro grows with you. Extend the core cyber protection with endorsements such as cryptojacking, contingent business interruption, and reverse social engineering, with limits up to $3M. Businesses can also choose short-, standard-, or long-term policy options, adding flexibility while keeping protection reliable.

Why does Cyber Liability matter?

Breach Response

Customer notification, credit monitoring setup, and forensic expert costs following a data breach.

Ransomware Protection

Ransomware and cyber extortion can lock your systems. Coverage is designed to help with response and recovery.

Business Interruption

Designed to help replace income lost when a cyber incident takes your systems offline.

Third-Party Liability

Designed to help with responsibility for exposed customer or partner data, and regulatory fines where insurable.

What comes with the policy besides the insurance?

Every Cowbell policyholder can use the complimentary cyber resiliency offerings included with the policy.

Cowbell Factors

Risk ratings, written to be understood, that show where a business is vulnerable.

Expert Claims Support

In-house specialists available 24/7 to guide recovery after an incident.

Cybersecurity Awareness Training

Training programs that help employees identify threats before they become a cyber event. Offered through Wizer; policyholders get unlimited seats at no additional cost for the first policy year.

Cowbell Connectors

Integrations with leading cloud and security providers that validate security practices in the background.

Cowbell Insights

Practical, actionable guidance for strengthening defenses.

Cowbell Resiliency Services

Tools and expert guidance to identify vulnerabilities, strengthen defenses, and recover faster. Includes cyber risk assessment, advisory calls, micro penetration testing, dark web monitoring, vendor risk assessment, and the Incident Response team.

Who is this built for?

Cowbell Prime 100 Pro is written for these classes of business, among others.

Contractors

Trades and construction businesses that rely on digital scheduling, invoicing, and payment systems.

Education Services

Training providers and education businesses holding student and family records.

Financial Services

Firms handling account data, payments, and regulated client information.

Hospitality

Venues and food service businesses processing card payments and bookings.

K-12 Education

Schools holding student, family, and staff records across connected systems.

Nonprofit Organizations

Organizations holding donor and beneficiary data on limited IT budgets.

Office and Administrative Services

Back-office and administrative firms handling client documents and records.

Professional Services and Consultants

Advisory businesses holding confidential client material and correspondence.

Public Administration

Public bodies holding citizen records across legacy and connected systems.

Retailers

Storefront and online retailers processing card payments and customer accounts.

Transportation

Fleet and logistics businesses dependent on dispatch, tracking, and routing systems.

What does the policy cover?

Cowbell Breach Fund for first-party breach expenses

Extortion threats and ransom payments

Replacement or restoration of electronic data

Business income and extra expense

Cyber crime incidents

Third-party cyber liability

Enhancement endorsements including system failure loss and contingent business interruption

Blanket additional insured, primary and noncontributory, and waiver of subrogation

Who is this for?

Consultant — Covers the cost of a data breach if you store client information, contracts, or financial records.

Consultant insurance

Freelancer — Covers a breach of client data stored on your laptop, cloud drive, or invoicing software.

Freelancer insurance

Photographer — Covers a breach of client photos, contracts, or payment details stored digitally.

Photographer insurance

Sole proprietor — Covers breach response costs when client data lives on your own devices and accounts.

Sole proprietor insurance

Real estate agent — Covers breach response when closing documents and client financial details move through your email.

Real estate agent insurance

Blogger — Covers response costs if a reader email list, logins, or affiliate accounts are exposed.

Blogger insurance

Virtual assistant — Covers response costs if the client logins and accounts you hold are exposed or misused.

Virtual assistant insurance

Bookkeeper — Covers response costs if bank feeds and client financial records in your systems are breached.

Bookkeeper insurance

Web designer — Covers breach response when a vulnerability introduced during your work exposes customer data.

Web designer insurance

See every profession we cover

Where is it available?

Available in 47 U.S. states

Alabama
Alaska
Arizona
Arkansas
California
Colorado
Connecticut
Delaware
Florida
Georgia
Hawaii
Idaho
Illinois
Indiana
Iowa
Kansas
Kentucky
Louisiana
Maine
Maryland
Massachusetts
Michigan
Minnesota
Mississippi
Missouri
Montana
Nebraska
Nevada
New Hampshire
New Jersey
New Mexico
North Carolina
North Dakota
Ohio
Oklahoma
Oregon
Pennsylvania
Rhode Island
South Carolina
South Dakota
Tennessee
Texas
Utah
Virginia
West Virginia
Wisconsin
Wyoming

Cowbell Prime 100 Pro is the first admitted Cowbell cyber insurance product in Hawaii.

What are the limits and deductibles?

Limit Options

$50K – $3M

Deductible

$1K – $50K

Admitted

Yes

Availability

47 states

Frequently Asked Questions

Who is Prime 100 Pro designed for?

Small and medium-sized enterprises with up to $100M in revenue that need broader coverage and flexible options beyond a standard Business Owners Policy.

What limits are available?

Limit options run from $50,000 to $3 million, with deductible options from $1,000 to $50,000.

Is this admitted coverage?

Yes. Cowbell Prime 100 Pro is admitted, standalone cyber insurance.

What makes this different from basic cyber coverage?

Prime 100 Pro extends core cyber protection with endorsements typically reserved for larger businesses, such as cryptojacking, contingent business interruption, and reverse social engineering.

Can I choose my policy term?

Yes. Businesses can choose short, standard, or long-term policy options.

Which states is it available in?

Cowbell Prime 100 Pro is available in 47 states: Alabama, Alaska, Arizona, Arkansas, California, Colorado, Connecticut, Delaware, Florida, Georgia, Hawaii, Idaho, Illinois, Indiana, Iowa, Kansas, Kentucky, Louisiana, Maine, Maryland, Massachusetts, Michigan, Minnesota, Mississippi, Missouri, Montana, Nebraska, Nevada, New Hampshire, New Jersey, New Mexico, North Carolina, North Dakota, Ohio, Oklahoma, Oregon, Pennsylvania, Rhode Island, South Carolina, South Dakota, Tennessee, Texas, Utah, Virginia, West Virginia, Wisconsin, and Wyoming. Prime 100 Pro is the first admitted Cowbell cyber insurance product in Hawaii.

Does the policy include anything besides insurance?

Yes. Every Cowbell policyholder can use the complimentary cyber resiliency offerings, including cyber risk assessment, cybersecurity advisory calls, micro penetration testing, cybersecurity awareness training for all employees, dark web monitoring, vendor risk assessment, and the Incident Response team.

Defend your business with Cyber Liability.

Disclaimer: This product is offered subject to availability, carrier underwriting guidelines, eligibility, state of residence, and applicable regulatory approvals. Coverage, limits, premiums, and features may vary by carrier and may change without notice. Quotes shown are estimates and not a guarantee of coverage or final pricing. Final terms are determined by the issuing insurance carrier and outlined in the policy documents. Olli is a licensed insurance producer and not the underwriter of these products.