Cowbell Prime 100 Pro is a standalone, admitted cyber insurance product for small and medium-sized enterprises (SMEs) with up to $100M in annual revenue. It is underwritten on paper provided by Palomar Specialty Insurance Company (AM Best FS Rating: A - Excellent) and backed by a panel of global reinsurers. The product is available in 41 U.S. states. Coverage limits reach up to $3M, with policy term options across short-, standard-, and long-term durations. The product targets a range of sectors including contractors, education, financial services, hospitality, nonprofits, professional services, retail, and transportation. First-party expense coverages include a breach fund, extortion threats and ransom payments, and replacement or restoration of electronic data. First-party loss coverages include business income and extra expense, and cyber crime incidents. Third-party coverage includes cyber liability. Enhancement endorsements available include: system failure loss, contingent business interruption, blanket additional insured, primary and noncontributory, specified defense/breach counsel, cryptojacking loss, bricking cost, and waiver of subrogation. Additional coverages include social engineering, public relations expense, website media liability, and computer and funds transfer fraud. The product includes access to several risk and resilience services for policyholders: - Cowbell Factors: risk ratings that identify vulnerabilities - Cowbell Insights: actionable guidance for improving security posture - Cowbell Connectors: integrations with cloud and security providers - Cybersecurity awareness training (via Wizer, complimentary for first policy year) - Cowbell Resiliency Services (CRS): tools and expert guidance for vulnerability identification and recovery - 24/7 in-house claims support Quoting requires only six underwriting questions for accounts under $50M in revenue.