Base form
AI Incident Coverage in Prime One
Standalone AI
On sale January 1, 2027
Distribution
Wholesale only (standalone)
Market
SME, non-admitted
What it covers
- AI incident cover in the Prime One cyber base form
- From January 1, 2027: a standalone policy combining first party loss and third party liability for SMEs deploying AI agents
Watch out for
- The standalone AI agent policy is not buyable yet at the date this page was checked (November 14, 2026); anyone quoting it today is quoting an announcement
- Wholesale only distribution means a retail broker needs a wholesale route, which is the route we are building
Who it fits
- Small companies deploying AI agents that need an SME priced answer
- SME cyber buyers who want AI incident cover in the base form today
Who it does not fit
- Larger AI vendors needing high standalone limits
Frequently asked questions
Can we buy Cowbell's AI agent policy now?
No. It was announced on November 10, 2026 and goes on sale January 1, 2027. What we can do now is place the cyber programme correctly and diary the standalone for launch.
Source: Program details from Cowbell's published announcements as compiled in our research checked November 14, 2026.
Talk through your stack before you sign the next contract
Send us the term sheet, the customer MSA, or the renewal you are worried about. We will tell you plainly what it requires, what your current programme does about it, and what we would place differently.