What Are the Key Differences Between Cowbell and Marsh Tech E&O Insurance?
A Packaged E&O-and-Cyber Policy vs a Broker-Built Program
Cowbell’s Prime Tech combines Technology E&O with cyber, sold through agents to tech businesses with up to $1 billion in revenue, with limits up to $5 million and Prime Tech Plus adding up to $5 million of follow-form excess. Marsh treats tech E&O as a financial and professional liability specialty, serving technology alongside banking, insurance, asset management, media and healthcare, and builds it into data-center programs with property, casualty and other lines. Choose Cowbell if you want E&O and cyber on one policy with published limits; choose Marsh if you run data centers or need E&O coordinated with a larger program. [4] [3] [7] [6]
Named Tech and Cyber Perils vs Gaps at Data-Center Scale
Cowbell lists delay in delivery, negligence, misrepresentation, breach of warranty or contract, product failures and software copyright disputes, plus cyber costs such as extortion, restoration, social engineering and business interruption. Marsh warns that off-the-shelf tech E&O wasn’t built for the scale and concentration of modern data centers and can leave gaps, and publishes no limits. [4] [6]
What Should You Confirm in Cowbell and Marsh Tech E&O Insurance Quotes?
- If you run a data center, ask Marsh how tech E&O fits with property and casualty in its program, and ask Cowbell whether Prime Tech covers that exposure on its own. [6] [4]
- Get the insurer’s name from both. Cowbell writes Prime Tech as surplus lines cover, which isn’t backed by state guaranty funds. [4] [7]
- Compare the limits Marsh places with Cowbell’s $5 million primary and $5 million excess. [4] [6]
- Ask whether Marsh’s placement combines E&O and cyber like Prime Tech or sits as a separate E&O layer. [7] [4]