Cowbell vs Hub International: Technology E&O Insurance

Cowbell Prime Tech has published limits up to $5M for tech firms up to $1B in revenue and goes through agents. HUB International brokers a policy customized to your size and limits, and reports insuring over 5,000 technology companies.

Kearny Risk organizes these comparisons for firms whose advice, content or technology creates professional exposures.Research updated 2026-09-25

Areas of coverage

Cowbell

  • role: Cowbell markets Prime Tech as a non-admitted professional-indemnity product that combines Technology Errors & Omissions (E&O) with cyber coverage in one policy, and Prime Tech Plus as a follow-form excess layer that sits above a primary Tech E&O/cyber policy. Prime Tech and Prime Tech Plus overview PDFs.company-reportedSource ↗Source ↗
  • insurer: Neither reviewed PDF names the specific issuing insurer for Prime Tech or Prime Tech Plus; both state coverage, terms and availability vary by state and are subject to underwriting approval without naming a carrier. Disclaimer paragraphs of both PDFs, read on 2026-09-23.not-disclosedSource ↗Source ↗
  • eligibility: Cowbell targets Prime Tech and Prime Tech Plus at technology businesses with up to $1B in revenue, listing example segments such as SaaS/app service providers, IT consultants, data analytics, hardware resellers, and web design or web services firms. Risk Appetite sections of both PDFs.company-reportedSource ↗Source ↗
  • coverage: Cowbell lists Prime Tech coverage for delay in delivery, negligence, misrepresentation, breach of warranty/contract, product failures, and software copyright disputes, plus associated cyber-related costs like cyber extortion, data restoration, social engineering, and business interruption. Prime Tech FAQ, 'What coverage is offered?' and 'other associated costs' lists.company-reportedSource ↗
  • coverage: Cowbell says Prime Tech includes duty to defend, defense costs for privacy-related regulatory proceedings, contractual-indemnity coverage, expansive breach-of-contract coverage, broad intellectual-property infringement coverage, and no exclusions for guarantees, consequential damages, or breach of warranties. 'Prime Tech Coverage Benefits' list; illustrative, subject to the issued policy.company-reportedSource ↗
  • limits: Cowbell states Prime Tech offers limits up to $5M, and Prime Tech Plus (the excess layer) also offers limits up to $5M above the underlying primary policy. Product overview PDFs.company-reportedSource ↗Source ↗
  • services: Cowbell says Prime Tech is 'powered by Cowbell Co-Pilot,' its AI-driven assistive underwriting tool, and that policyholders get the same Cowbell Resiliency Services, Cowbell Connectors, and complimentary Wizer cybersecurity-awareness training offered on its cyber products. Prime Tech PDF, page 2 (Cowbell Co-Pilot mention) and 'The Cowbell Advantage' list.company-reportedSource ↗
  • application: Cowbell says Prime Tech is available on a surplus-lines basis in all 50 states and is distributed through agents rather than direct to businesses. 'Prime Tech Coverage Benefits' list, first bullet.company-reportedSource ↗

HUB International

  • role: HUB brokers technology E&O as part of its general E&O practice, naming technology as one of the industries it serves, and separately markets it as one line within its dedicated technology-industry practice. E&O product page and technology-industry page as read 2026-09-23; neither names an issuing insurer.company-reportedSource ↗Source ↗
  • eligibility: HUB's technology-industry page addresses fast-growing startups and established software, hardware or digital-media businesses, and says HUB currently insures more than 5,000 technology companies; that count is a company-reported figure not independently verified here. Technology-industry page framing; not specific to technology E&O alone, since the page covers HUB's full technology insurance program.company-reportedSource ↗
  • coverage: HUB's general E&O page says policies typically cover defense costs, judgments, settlements and fines from allegations of misrepresentation, breach of professional services, wrongful practices and misleading advice, and can be structured with prior-acts coverage back to a retroactive date and tail coverage for an extended reporting period. General E&O coverage description; the page does not give technology-specific coverage examples beyond listing technology as a served industry.company-reportedSource ↗
  • limits: HUB's E&O page says policies typically include per-claim and aggregate limits, but does not publish specific limit amounts for technology E&O. E&O product-page structure description; specific limits are set on the quote and declarations.not-disclosedSource ↗
  • insurer: Neither the E&O page nor the technology-industry page names an issuing insurer for technology E&O; HUB places this coverage with insurers that vary by client and placement. Checked both pages on 2026-09-23; no carrier is disclosed on either.not-foundSource ↗Source ↗
  • application: HUB directs prospects to connect with a broker; the E&O page describes policies as customized to business size, industry, location, risk base and desired limits, without an online quote flow. Product-page call to action as read 2026-09-23.company-reportedSource ↗

What Are the Key Differences Between Cowbell and HUB International Tech E&O Insurance?

A Named E&O-Plus-Cyber Product vs a Broker's Search

Cowbell sells Prime Tech, combining Technology E&O with cyber, through agents in all 50 states, with limits up to $5 million. HUB brokers tech E&O through its general E&O practice and its technology-industry team and publishes no limits or insurers. Choose Cowbell if you want tech-specific E&O and cyber on one policy through your agent; choose HUB if you want a broker comparing insurers or need more than $5 million. [4] [6] [7]

Tech-Specific Perils vs General E&O Terms

Cowbell names delay in delivery, negligence, misrepresentation, breach of warranty or contract, product failures and software copyright disputes, plus cyber extortion, data restoration, social engineering and business interruption. HUB's E&O page describes defense, judgments, settlements and fines for professional mistakes, with optional prior-acts and tail cover. If missed delivery dates or copyright claims worry you, Cowbell names them; ask HUB to show the same on its proposed wording. [4] [6]

What Should You Confirm in Cowbell and HUB International Tech E&O Insurance Quotes?

  • Ask HUB whether its proposal combines Tech E&O and cyber, and whether prior-acts and tail cover are included. [6]
  • Ask Cowbell which insurer issues Prime Tech (it's sold on a surplus-lines basis, outside standard state-licensed markets) and how your $5 million is split between E&O and cyber. [4]
  • Ask HUB for per-claim and aggregate limits. [6]

Cowbell's Prime Tech gives tech companies E&O and cyber in one policy with up to $5 million, naming late delivery, breach of warranty and software copyright disputes as covered; HUB is a broker that shops tech E&O and can keep prior-acts and tail cover in place. HUB publishes no limits.

Sources reviewed

  1. 01
    Chubb DigiTech Enterprise Risk Management Policy — Technology E&O, Cyber and Privacy Short Form Application

    ACE American Insurance Company / Chubb · Claims-made notice p.1; §2 Nature of Operations product/service schedule pp.2–3; §7 Technology E&O pp.4–5; §9–10 current and desired coverage pp.5–6 · accessed 2026-09-16

  2. 02
    DigiTech Enterprise Risk Management

    Chubb · Coverage Synopsis > Third-Party Liability Coverage > Technology Errors and Omissions; Cyber, Privacy and Network Security Liability; footer product-summary disclaimer · accessed 2026-09-16

  3. 03
    Prime Tech Plus Product Overview

    Cowbell · Product Overview; Seamless excess protection; Tailored for technology providers; Risk Appetite industry list · accessed 2026-09-23

  4. 04
    Prime Tech Product Overview

    Cowbell · Product Overview; Risk Appetite; Prime Tech Coverage Benefits; Prime Tech FAQ (typical Tech E&O claims scenarios, coverage offered, associated costs) · accessed 2026-09-23

  5. 05
    Insurance and Bonding Guidelines

    Georgia Department of Administrative Services · Professional Liability / Errors and Omissions p.6; Technology Errors & Omissions (Cyber Liability) §9 pp.7–8 · accessed 2026-09-16

  6. 06
    Errors and Omissions (E&O) Insurance Coverage

    HUB International · Industries served list naming technology among accounting, architecture, creative, dental, engineering, financial, medical and media; prior-acts coverage; claims-made structure; claims-notification steps · accessed 2026-09-23

  7. 07
    Insurance for Technology Companies

    HUB International · Technology Company Insurance & Risk Management introduction for startups, software, hardware and digital-media companies; technology-specific coverage list including professional liability/technology E&O; technology-client count claim · accessed 2026-09-23

  8. 08
    Glossary of Insurance Terms

    National Association of Insurance Commissioners · Professional Errors and Omissions Liability; Errors and Omissions Liability | Professional Liability other than Medical · accessed 2026-09-16

  9. 09
    Appendix J – Contractor’s Insurance Requirements, Information Technology Umbrella Contract – Manufacturer Based (Statewide)

    New York State Office of General Services · §4 Technology Errors and Omissions, printed p.6 / PDF p.6; claims-made tail note · accessed 2026-09-16

  10. 10
    Technology Errors and Omissions Insurance

    The Hartford · What Is Technology Errors and Omissions Insurance?; differences between cyber liability and errors and omissions; How Technology Errors and Omissions Insurance Works With Contracts · accessed 2026-09-16

  11. 11
    Cyber Risk for Technology Companies

    Travelers · CyberRisk Tech coverage includes… technology errors and omissions; businesses can choose cyber protection, E&O protection or both; E&O coverage helps address… errors, omissions or negligent acts in the performance of its services · accessed 2026-09-16

Ask Kearny Risk to help relate this comparison to your services and contracts.

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