What Are the Key Differences Between CNA and Cowbell Tech E&O Insurance?
Combined policy and published limits
Cowbell’s Prime Tech combines Tech E&O and cyber in a non-admitted policy and offers up to $5 million; Prime Tech Plus adds up to $5 million excess. CNA describes its technology E&O as supporting contractual requirements but provides no matching limit in the reviewed claims. Ask CNA for the available primary limit and ask Cowbell whether the excess layer follows your proposed primary form; published maxima are not guaranteed for every applicant. [3] [5]
Contract, warranty and risk-service terms
Cowbell lists delay, negligence, breach of warranty or contract, product failure and software copyright disputes, and says the policy has no exclusions for guarantees, consequential damages or warranty breaches. CNA describes contractual support and privacy-risk resources without listing these terms. Cowbell also names Co-Pilot, resiliency services, connectors and Wizer training. Compare the quoted wording and included services rather than infer equal scope from each provider’s technology label. [3] [5]