Cowbell Prime 100 is a standalone, admitted cyber insurance product designed for small and medium-sized enterprises (SMEs) with up to $100M in annual revenue. It targets businesses purchasing cyber insurance for the first time or transitioning from bundled coverage in a Business Owner's Policy. Coverage areas include: - Security Breach Expense (forensics, notification, call center, monitoring) - Security Breach Liability (defense costs, damages, regulatory fines, PCI DSS penalties) - Extortion Threats and Ransom Payments - Hardware Replacement Costs - Telecommunications Fraud - Social Engineering - Restoration of Electronic Data - Public Relations Expense - Business Income & Extra Expense - Website Media Liability - Computer & Funds Transfer Fraud Beyond insurance coverage, policyholders receive access to supporting services: - Cowbell Factors: Risk ratings that identify vulnerabilities - Cowbell Insights: Guidance for strengthening security defenses - Cowbell Connectors: Integrations with cloud and security providers to validate security practices - Cybersecurity Awareness Training (via Wizer, unlimited seats, no additional cost for the first policy year) - Cowbell Resiliency Services (CRS): Tools and expert guidance for vulnerability identification and recovery - 24/7 expert claims support Policies are underwritten on paper provided by Palomar Specialty Insurance Company (AM Best FS Rating: A/Excellent) and backed by a panel of global reinsurers. Agents can quote, bind, and issue policies in under five minutes. The product is available across a broad range of sectors including healthcare, financial services, legal, manufacturing, retail, and more.