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Covers AIInsurtech MGAChecked 21 Oct 2026

Cowbell AI insurance

Cowbell is a cyber insurer. Its Prime One product for US businesses with $250M to $1B in revenue, written by Chaucer, affirmatively covers AI-related incidents.

cowbell.insure

AFFIRMATIVE COVERAI LOSSES NAMEDCOVERS AI

Declarations

Reg. no. 013

Prime One

Cowbell's non-admitted cyber product for larger US businesses explicitly picks up AI-related incidents alongside quantum-computing risks and a full cyber coverage base. The reported maximum limit is $10 million.

Item 1
Published limit
$10M
maximum limit
Item 2
Type
Standalone policy
Item 3
For
Companies that use AI
Item 4
How to buy
Not stated
Item 5
Backed by
Chaucer Insurance Company, non-admitted
Item 6
Who it is for
Organisations with annual revenue of $250 million to $1 billion
Item 7
Where
United States (non-admitted)
Item 8
Launched
21 April 2026
Item 9
Risks named
AI-driven cyber events
Item 10
Record
Confirmed by issuer

What the sources don't say: Cowbell's release says the AI cover includes unauthorised use of or access to AI systems, but it gives no state-by-state availability.

With Chaucer. Latest change 21 Apr 2026. Checked 21 Oct 2026.Sources: Cowbell, Business Insurance

What Cowbell's cover names

  • AI-driven cyber events: Prime One (013)

Risk names are our labels for what each source describes. Wording, sublimits and exclusions decide what a policy pays.

Change history

  1. Cowbell Prime One adds affirmative AI cover

    A non-admitted cyber product written by Chaucer for US firms with $250M to $1B revenue that affirmatively covers AI-related incidents, with limits up to $10M.

    Source: Cowbell

Questions about Cowbell

Does Cowbell sell AI insurance?

Yes. The register lists 1 offering from Cowbell: Prime One (standalone policy). Each is confirmed on the issuer's own pages.

What limits does Cowbell publish?

Prime One: $10M, maximum limit.

Sources

  1. 1Prime One: US launch for emerging AI and quantum risks
    Cowbell, 21 Apr 2026
  2. 2Cowbell unveils cover for AI, quantum computing risks
    Business Insurance, 21 Apr 2026

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