Cowbell Prime 250 is a non-admitted, standalone cyber insurance product designed for middle market businesses with $100M to $1B in annual revenue. It is underwritten on surplus paper and available across all 50 states and Washington D.C. Coverage areas include: - Ransomware and extortion costs - Business interruption loss - Cyber crime loss (social engineering, fraudulent fund transfers) - Data restoration - Liability costs (defense expenses, monetary damages) - System failure - Bricking costs (hardware replacement/remediation) - Reputational harm expenses - Media liability (IP infringement, advertising liability) - Cryptojacking losses - Utility fraud attacks - Missed bid coverage (construction risks) - Contractual damages (manufacturing risks) Beyond insurance coverage, policyholders receive access to value-added services: - Cowbell Factors: Risk ratings that identify vulnerabilities - Cowbell Insights: Actionable guidance for improving security posture - Cowbell Connectors: Integrations with cloud and security providers that validate security practices; activating a connector qualifies policyholders for a 5% premium credit - Cybersecurity Awareness Training: Provided via Wizer, with unlimited seats at no additional cost for the first policy year - Cowbell Resiliency Services (CRS): Tools and expert guidance for vulnerability identification and recovery - Expert Claims Support: 24/7 in-house claims specialists Coverage is backed by Palomar Specialty Insurance Company and Chaucer Insurance Company (AM Best FS Rating: A - Excellent), with support from global reinsurers.