Cowbell Prime Plus vs Kovrr Cyber Risk Quantification: Side-by-Side Comparison (2026)

Cowbell Prime Plus

Mid-market and enterprise risk officers who need excess cyber liability coverage without the admission requirements of standard carriers should evaluate Cowbell Prime Plus for its follow-form structure, which layers cleanly onto existing primary policies without forcing coverage rewrites. The $5M limit ceiling and eligibility through $1B revenue covers most scaling companies, and the bundled Resiliency Services (prevention through recovery) mean you're not buying insurance in isolation. Skip this if your organization needs primary coverage rather than excess; Cowbell Prime Plus is backstop insurance, not replacement.

Kovrr Cyber Risk Quantification

Risk and compliance leaders at mid-market and enterprise firms who need to translate security spend into board-legible financial language should start with Kovrr Cyber Risk Quantification. The platform's Monte Carlo modeling produces defensible loss projections by scenario and ties control upgrades directly to ROI, solving the perennial "why should we pay for this?" conversation that derails security budgets. Kovrr maps cleanly to NIST GV.RM and GV.OV, meaning you'll actually close the gap between risk appetite statements and capital allocation decisions. Skip this if your board doesn't ask for cyber materiality numbers or your insurance broker handles your exposure math; Kovrr is built for organizations that treat risk quantification as governance, not compliance theater.