Cowbell Cyber - Complete Company Profile

Cowbell Cyber is a Insurance company. Cowbell Cyber is a company that harnesses technology, data, and AI to provide small and medium-sized enterprises (SMEs) with advanced warning of cyber risk and adaptive cyber insurance. Cowbell Cyber offers 10 products: Cyber Insurance, Resiliency Services, Technology Errors & Omissions (E&O) Insurance, Managed Detection & Response, Closed-loop Risk Management Platform, Management Liability Insurance, User-Identity Monitoring (IdentityAI), Cowbell Rx Marketplace, Compliance as a Service (COMPaaS), Vendor Risk Assessment.

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Cowbell Cyber

In a world of unpredictable risks, Cowbell equips organizations to manage digital risks, helping businesses understand, prevent, and recover with certainty.

Cowbell Cyber is a company that harnesses technology, data, and AI to provide small and medium-sized enterprises (SMEs) with advanced warning of cyber risk and adaptive cyber insurance.

"The sound approach to risk"

About Cowbell Cyber

Cowbell Cyber is a Insurance company serving global markets. Cowbell Cyber is a company that harnesses technology, data, and AI to provide small and medium-sized enterprises (SMEs) with advanced warning of cyber risk and adaptive cyber insurance.

Company Details

Niche

Insurance

What Cowbell Cyber Offers

10 products and services

Cyber Insurance

Cowbell Prime 100 is an admitted, standalone cyber insurance product designed for small and medium-sized enterprises (SMEs) with up to...

Admitted, standalone cyber insurance
Coverage for a wide range of cyber incidents

Resiliency Services

Cowbell Resiliency Services equips policyholders with tools and expertise to proactively detect and mitigate vulnerabilities, fortify infrastructure, and counter evolving...

24/7/365 U.S.-based security operations support
Real-time threat detection and AI-driven counterintelligence

Technology Errors & Omissions (E&O) Insurance

Prime Tech is a non-admitted professional indemnity insurance offering designed for technology businesses with up to $1B in revenue, providing...

Combined Technology E&O and cyber insurance
Powered by Cowbell Co-Pilot (AI-driven underwriting)

Managed Detection & Response

Cowbell's Managed Detection & Response (MDR), powered by SpearTip, is a subscription-based cyber resiliency service that delivers advanced threat monitoring,...

Continuous monitoring
Proactive threat detection

Closed-loop Risk Management Platform

Cowbell's Closed-loop Risk Management Platform is an AI-powered solution that delivers adaptive cyber insurance services. It is designed to increase...

AI-powered risk quantification using Cowbell Factors™
Continuous risk assessment and benchmarking against millions of accounts

Management Liability Insurance

Cowbell Cyber, in collaboration with Zurich North America, offers the Zurich Select Plus Management Liability product—a modular insurance solution designed...

Private company Directors & Officers (D&O) liability
Employment Practices Liability (EPL)

User-Identity Monitoring (IdentityAI)

IdentityAI is a user-identity monitoring solution that continuously monitors and secures user identities across critical business platforms. It leverages API-driven...

Continuous monitoring of user identities across multiple platforms
API-driven log streaming for real-time data collection

Cowbell Rx Marketplace

Cowbell Rx Marketplace is a curated cybersecurity marketplace that provides organizations with exclusive savings on vetted, reliable cybersecurity solutions. It...

Curated marketplace of cybersecurity products and services
Two approaches to solution selection: threat-based and control-based

Compliance as a Service (COMPaaS)

Cowbell COMPaaS is designed to support organizations pursuing SOC 2 compliance in both U.S. and global markets. It delivers expert-guided...

Expert-guided readiness and high-touch support
Unified solution integrating a robust GRC platform (GoRICO)

Vendor Risk Assessment

Cowbell's Vendor Risk Assessment (VRA) is a subscription-based resiliency service that enables organizations to quickly assess the cyber readiness and...

Centralized dashboard with vendor risk by impact level (Critical, Moderate, Low)
Risk scorecards covering threat intelligence, compliance, endpoint data, and more

Company Information

Enriched company details and information

The sound approach to risk

Description

In a world of unpredictable risks, Cowbell equips organizations to manage digital risks, helping businesses understand, prevent, and recover with certainty.

What They Do

Provide adaptive cyber insurance and risk management services to businesses.

Who They Serve

Small businesses and middle market organizations.

Key Value Propositions

Adaptive coverage
Real-time risk intelligence
Expert claims support
Continuous resilience improvement

Target Customers

Small Businesses
Middle Market Companies

Industries Served

Cybersecurity
Insurance

Contact Information

Navigation Links

API Information

API Summary

API-driven quoting for insurance coverage

API Available
Yes
API Related URLs

Homepage Full Text

Cowbell Launches Self-Service Platform for Cybersecurity Risk Management Services

Testimonials

"Thanks to Cowbell Rx, we saved thousands of dollars on our cybersecurity budget this year, and we are now more insurable at renewal as well."

Prime 100 Policyholder

"The relationship with the team has been fantastic, and the phrase ‘only a phone call away’ has never been truer."

UK Broker

"The relationship with the Cowbell team has been exceptional; their responsiveness, expertise, and commitment to collaboration have made working with them a seamless and rewarding experience."

US Broker

Products & Offerings

Detailed information about Cowbell Cyber's products and services. Each offering is enriched with AI-powered insights to help you understand capabilities, features, and use cases.

Cyber Insurance

Cowbell Prime 100 offers cyber insurance tailored for SMEs, especially those purchasing cyber insurance for the first time or seeking more comprehensive protection than bundled policies. The product is designed to address the most common cyber incidents, such as ransomware, phishing, business interruption, and data compromise, with clear policy language and rapid, customizable coverage.

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Product Overview

Cowbell Prime 100 is an admitted, standalone cyber insurance product designed for small and medium-sized enterprises (SMEs) with up to $100M in revenue. It provides fast, flexible, and clear coverage for a wide range of cyber incidents, with policies that are easy to understand and quick to issue. The offering is backed by Palomar Specialty Insurance Company (AM Best FS Rating of A (Excellent)) and a panel of top global reinsurers.

Detailed Description

Cowbell Prime 100 offers cyber insurance tailored for SMEs, especially those purchasing cyber insurance for the first time or seeking more comprehensive protection than bundled policies. The product is designed to address the most common cyber incidents, such as ransomware, phishing, business interruption, and data compromise, with clear policy language and rapid, customizable coverage.

Key Features

  • Admitted, standalone cyber insurance
  • Coverage for a wide range of cyber incidents
  • Customizable policies
  • Streamlined quoting and binding process
  • Cowbell Factors™: Easy-to-understand risk ratings
  • Cowbell Insights: Actionable guidance to strengthen defenses
  • Cowbell Connectors: Integrations with cloud and security providers
  • Complimentary cybersecurity awareness training (unlimited seats for first policy year)
  • Cowbell Resiliency Services (CRS): Tools and expert guidance for vulnerability identification and recovery
  • 24/7 expert claims support

Key Benefits

  • Clarity: Policies address common cyber incidents in clear, broker-friendly language.
  • Speed: Agents can quote, bind, and issue policies in less than five minutes.
  • Customizability: Coverage can be tailored to client needs.
  • Confidence: Backed by highly rated insurers and reinsurers.
  • Resilience: Includes tools and services to strengthen defenses before, during, and after incidents.
  • Expert claims support: 24/7 in-house specialists for guidance and recovery.
Documentation
View Documentation
Who Is It For
  • Small and medium-sized enterprises (SMEs) with up to $100M in revenue
  • Businesses buying cyber insurance for the first time
  • Businesses moving beyond bundled coverage in a Business Owner’s Policy or packaged policy
Requirements
  • For Social Engineering coverage, a documented verification procedure must be completed.
Detailed Sections
Cowbell Prime 100

Admitted, standalone cyber insurance for businesses with up to $100M in revenue. Designed for SMEs, especially those buying cyber insurance for the first time or moving beyond bundled coverage.

What Prime 100 offers
  • Clarity that cuts through complexity: Policies address common cyber incidents in clear terms.
  • Fast, flexible coverage: Agents can quote, bind, and issue policies in less than five minutes.
  • Quiet confidence in protection: Backed by Palomar Specialty Insurance Company and top global reinsurers.
Prime 100 is suitable for a range of businesses and sectors, including
  • Accounting firms
  • Contractors
  • Dental offices
  • Financial services
  • Healthcare
  • Hospitality
  • Insurance agencies
  • Professional services
  • Law firms
  • Manufacturing
  • Medical offices
  • Nonprofits
  • Retailers
  • Truckers
  • Wholesale
The Cowbell advantage

Coverage is designed around what actually happens in a cyber event, explained in clear, simple terms. Every policy delivers resilience before, during, and after an incident.

  • Cowbell Factors: Risk ratings that reveal vulnerabilities.
  • Cowbell Insights: Actionable guidance to strengthen defenses.
  • Cowbell Connectors: Integrations with cloud and security providers.
  • Cybersecurity awareness training: Complimentary, unlimited seats for first policy year.
  • Cowbell Resiliency Services: Tools and expert guidance for vulnerability identification and recovery.
  • Expert claims support: 24/7 in-house specialists.
Prime 100 coverages

Portfolio of coverages designed to address the diversity of cyber incidents and resulting damages.

  • Security Breach Expense
  • Security Breach Liability
  • Extortion Threats
  • Hardware Replacement Costs
  • Telecommunications Fraud
  • Ransom Payments
  • Social Engineering
  • Restoration of Electronic Data
  • Public Relations Expense
  • Business Income & Extra Expense
  • Website Media Liability
  • Computer & Funds Transfer Fraud
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Resiliency Services

Resiliency Services is a suite of cybersecurity services and tools designed to help organizations strengthen their cyber resilience. It includes managed security services, compliance support, employee training, and risk assessments, all aimed at enhancing visibility, accelerating response, and building confidence in cybersecurity readiness.

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Product Overview

Cowbell Resiliency Services equips policyholders with tools and expertise to proactively detect and mitigate vulnerabilities, fortify infrastructure, and counter evolving threats. The offering strengthens cyber resilience alongside tailored cyber insurance to help avoid catastrophic losses.

Detailed Description

Resiliency Services is a suite of cybersecurity services and tools designed to help organizations strengthen their cyber resilience. It includes managed security services, compliance support, employee training, and risk assessments, all aimed at enhancing visibility, accelerating response, and building confidence in cybersecurity readiness.

Key Features

  • 24/7/365 U.S.-based security operations support
  • Real-time threat detection and AI-driven counterintelligence
  • Comprehensive network penetration testing
  • Identity monitoring across cloud platforms
  • Microlearning and phishing simulations for employees
  • Bundled SOC 2 compliance solutions with practitioner-led support
  • Complimentary vendor risk assessment for policyholders
  • SaaS application protection for platforms like Microsoft 365 and Google Workspace

Key Benefits

  • Proactive detection and mitigation of vulnerabilities
  • Fortification of IT infrastructure
  • Countering evolving cyber threats
  • Smarter protection and simpler compliance
  • Continuous education for employees
  • Enhanced visibility and accelerated response
  • Unified cloud monitoring and alerting for SaaS applications
Documentation
View Documentation
Who Is It For
  • Cowbell Cyber policyholders
  • Businesses seeking to strengthen cyber resilience
  • Organizations needing compliance support (e.g., SOC 2)
  • Companies using SaaS applications like Microsoft 365 and Google Workspace
Requirements
  • Some services are complimentary for policyholders
  • Subscription required for certain advanced services
  • Availability may depend on Cowbell's licensing in the customer's state
Detailed Sections
Resiliency Services

Strengthening cyber resilience alongside tailored cyber insurance is crucial to avoiding catastrophic losses. Cowbell Resiliency Services equips policyholders with the tools and expertise to proactively detect and mitigate vulnerabilities, fortify infrastructure, and counter evolving threats.

Cybersecurity services

Our SaaS offering strengthens organizational resilience with smarter protection, simpler compliance, and continuous education. It helps businesses enhance visibility, accelerate response, and build lasting confidence in their cybersecurity readiness.

  • Managed Detection & Response (MDR): 24/7/365 U.S.-based security operations support with real-time threat detection and AI-driven counterintelligence.
  • Penetration testing-as-a-service (PTaaS): Comprehensive network assessments to identify and mitigate vulnerabilities.
  • Cowbell IdentityAI℠: Identity monitoring across cloud platforms and a complimentary 30-day trial for policyholders.
  • Cybersecurity training-as-a-service (CTaaS): Microlearning, phishing simulations, and interactive tools to educate employees and reduce human error.
  • Cowbell COMPaaS℠: Compliance as a Service, offering Bundled SOC 2 solutions and practitioner-led support.
  • Cowbell VRA: Complimentary Vendor Risk Assessment for policyholders.

Elevate your cybersecurity posture with SaaS Application protection by gaining high-level insights with a unified cloud monitoring and alerting system. The protection safeguards various applications, including Microsoft 365, Google Workspace, and email tenants, minimizing disruptions so you can focus on running your business.

This is intended as a general description of certain types of managed security services, including incident response, continuous security monitoring, and advisory services available to qualified customers through SpearTip, LLC, as part of Zurich Resilience Solutions, which is part of the Commercial Insurance Business of Zurich Insurance Group. SpearTip, LLC does not guarantee any particular outcome. The opinions expressed herein are those of SpearTip, LLC as of the date of the release and are subject to change without notice. This document has been produced solely for informational purposes. All information contained in this document has been compiled and obtained from sources believed to be reliable and credible but no representation or warranty, express or implied, is made by Zurich Insurance Company Ltd or any of its affiliated companies (collectively, Zurich Insurance Group) as to their accuracy or completeness. This document is not intended to be legal, underwriting, financial, investment or any other type of professional advice. Zurich Insurance Group disclaims any and all liability whatsoever resulting from the use of or reliance upon this document. Nothing express or implied in this document is intended to create legal relations between the reader and any member of Zurich Insurance Group. Certain statements in this document are forward-looking statements, including, but not limited to, statements that are predictions of or indicate future events, trends, plans, developments or objectives. Undue reliance should not be placed on such statements because, by their nature, they are subject to known and unknown risks and uncertainties and can be affected by numerous unforeseeable factors. The subject matter of this document is also not tied to any specific service offering or an insurance product nor will it ensure coverage under any insurance policy. No member of Zurich Insurance Group accepts any liability for any loss arising from the use or distribution of this document. This document does not constitute an offer or an invitation for the sale or purchase of securities in any jurisdiction.

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Technology Errors & Omissions (E&O) Insurance

Prime Tech blends E&O and cyber insurance to protect technology companies from financial and reputational losses caused by performance issues or security failures. The coverage is designed to evolve with modern threats and is powered by Cowbell Co-Pilot, an AI-driven underwriting tool for customized, efficient coverage.

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Product Overview

Prime Tech is a non-admitted professional indemnity insurance offering designed for technology businesses with up to $1B in revenue, providing combined Technology Errors & Omissions (E&O) and cyber coverage. It addresses risks related to technology performance and digital security, with policy limits up to $5M.

Detailed Description

Prime Tech blends E&O and cyber insurance to protect technology companies from financial and reputational losses caused by performance issues or security failures. The coverage is designed to evolve with modern threats and is powered by Cowbell Co-Pilot, an AI-driven underwriting tool for customized, efficient coverage.

Key Features

  • Combined Technology E&O and cyber insurance
  • Powered by Cowbell Co-Pilot (AI-driven underwriting)
  • Cowbell Factors: easy-to-understand risk ratings
  • Cowbell Insights: actionable guidance to strengthen defenses
  • Cowbell Connectors: integrations with cloud and security providers
  • Cybersecurity awareness training (complimentary for first policy year via Wizer)
  • Cowbell Resiliency Services (CRS): tools and expert guidance for risk management
  • 24/7 in-house expert claims support

Key Benefits

  • Comprehensive protection combining E&O and cyber coverage
  • Coverage that evolves with today’s threats
  • Tailored for technology sector exposures
  • Clear, simple policy language for brokers and clients
  • AI-driven, efficient underwriting via Cowbell Co-Pilot
  • Limits up to $5M
  • Surplus Lines available in all 50 states
  • Duty to defend
  • Defense costs for privacy-related regulatory proceedings
  • Contractual indemnity coverage for obligations to customers
  • Expansive breach of contract coverage
  • Broad intellectual property infringement coverage
  • Complex negligence coverage
  • No exclusions for guarantees, consequential damages, or breach of warranties
Documentation
View Documentation
Who Is It For
  • Technology businesses with up to $1B in revenue
  • SaaS providers
  • IT consultants
  • AV/Video services
  • Content management software companies
  • Data analytics firms
  • Data center/Colocation services
  • Database management system providers
  • Hardware resellers
  • Health and wellness software companies
  • IT staffing firms
  • IT system integrators
  • Mobile app developers
  • Non-mission critical hardware manufacturers (Accessories)
  • Office productivity software companies
  • Reservation software providers
  • SaaS/App service providers
  • Schedule management system providers
  • Training software companies
  • Web services companies
Requirements
  • Technology business with up to $1B in revenue
  • Available on a non-admitted basis (see compliance section for details)
Detailed Sections
Cowbell Prime Tech

Prime Tech is a non-admitted professional indemnity offering designed for technology businesses with up to $1B in revenue that need combined Technology Errors & Omissions (E&O) and cyber coverage. It’s the ideal solution for companies where performance issues or security failures could cause financial or reputational loss. Prime Tech provides limits up to $5M.

Why Prime Tech
  • Comprehensive protection: Blends E&O and cyber coverage to address risks tied to both technology performance and digital security.
  • Tailored for tech companies: Designed for exposures that matter most in the technology sector.
  • Technology and Innovation: Powered by Cowbell Co-Pilot, an AI-driven assistive underwriting tool.
Risk Appetite
  • AV/Video services
  • Content management software
  • Data analytics
  • Data center/Colocation services
  • Database management systems
  • Hardware resellers
  • Health and wellness software
  • IT consulting services
  • IT staffing
  • IT system integrators
  • Mobile app developer
  • Non-mission critical hardware manufacturing (Accessories)
  • Office productivity software
  • Reservation software
  • SaaS/App service provider
  • Schedule management system
  • Training software
  • Web services
The Cowbell advantage

Coverage is designed around what actually happens in a cyber event, explained in clear, simple terms. Every policy delivers resilience before, during, and after an incident.

  • Cowbell factors: Easy-to-understand risk ratings
  • Cowbell insights: Actionable guidance
  • Cowbell connectors: Integrations with cloud and security providers
  • Optimize your premium: Activate a connector for a 5% premium credit (Prime 250 only)
  • Cybersecurity awareness training: Complimentary for first policy year via Wizer
  • Cowbell resiliency services (CRS): Tools and expert guidance
  • Expert claims support: 24/7 in-house specialists
Prime Tech coverage benefits
  • Surplus Lines available in all 50 states
  • Duty to defend
  • Defense costs for privacy-related regulatory proceedings
  • Contractual indemnity coverage for obligations owed to customers
  • Expansive breach of contract coverage
  • Broad intellectual property infringement coverage
  • Complex negligence coverage
  • No exclusions for guarantees, consequential damages, or breach of warranties
Prime Tech FAQ
  • Coverage offered: Delay in delivery, Negligence, Misrepresentation, Breach of warranty/contract, Product failures, Copyright of software code
  • Associated costs: Technology service/product failures, Defective hardware, Unplanned outages, Software glitches, IP rights disputes
  • Typical claims: Defense costs, Settlements/judgments, Court fees, Privacy breach notification, Cyber extortion, Data restoration, Social engineering, Business interruption, System failure, Cyber crime
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Managed Detection & Response

Cowbell MDR provides continuous monitoring, proactive threat detection, and rapid response to cyber threats. The service is powered by SpearTip and is part of Cowbell Resiliency Services. It is engineered for businesses of all sizes, with solutions tailored to the presence or absence of internal IT/security teams.

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Product Overview

Cowbell's Managed Detection & Response (MDR), powered by SpearTip, is a subscription-based cyber resiliency service that delivers advanced threat monitoring, proactive detection, and rapid response to cyber threats. It operates 24/7/365, leveraging security analytics, AI, and expert SOC engineers to protect organizations from evolving threats such as ransomware, phishing, and insider attacks. MDR is designed to enhance cyber resilience, reduce response times, and mitigate risks for organizations without requiring extensive in-house cybersecurity resources.

Detailed Description

Cowbell MDR provides continuous monitoring, proactive threat detection, and rapid response to cyber threats. The service is powered by SpearTip and is part of Cowbell Resiliency Services. It is engineered for businesses of all sizes, with solutions tailored to the presence or absence of internal IT/security teams.

Key Features

  • Continuous monitoring
  • Proactive threat detection
  • Rapid incident response
  • Security analytics and artificial intelligence
  • Expert SOC engineers
  • Monthly reports
  • Notifications and alerts
  • IdentityAI included

Key Benefits

  • 24/7/365 real-time protection against cyber threats
  • Reduces response times to incidents
  • Mitigates risks without requiring extensive in-house cybersecurity resources
  • Strengthens overall security posture
  • Monthly reporting and notifications
Documentation
View Documentation
Who Is It For
  • Small and medium-sized enterprises (SMEs) with or without internal IT/security teams
  • Organizations seeking to strengthen their security posture and reduce cyber risk
  • Cowbell policyholders looking for managed security services
Requirements
  • Available to qualified customers through SpearTip, LLC, as part of Zurich Resilience Solutions.
  • Endpoint count up to 150 for listed solutions.
Detailed Sections
Resiliency Services

Enhancing cyber resilience with Managed Detection and Response (MDR) is crucial to preventing costly breaches. Powered by SpearTip, Cowbell Resiliency Services delivers advanced MDR with continuous monitoring, proactive threat detection, and rapid response.

Managed detection and response

Cowbell MDR combines cutting-edge security analytics, artificial intelligence, and expert SOC engineers to identify and neutralize threats before they cause harm. Operating 24/7/365, it provides real-time protection against evolving cyber threats like ransomware, phishing, and insider attacks. By leveraging Cowbell MDR, policyholders can strengthen their security posture, reduce response times, and mitigate risks without requiring extensive in-house cybersecurity resources.

  • 24/7/365 operation
  • Real-time protection
  • Covers ransomware, phishing, insider attacks
  • Reduces response times
  • No need for extensive in-house cybersecurity resources
Engineered solutions for every business

Pricing is based on internal resources and the number or endpoints monitored within your organization. Select a solution that fits your security needs.

Elite: Up to 150 endpoints

SMEs with no internal IT / Security teams. Fully Managed Security (24/7/365 Threat Monitoring). Delivery Channel: Notifications & Alerts. Monthly reports. Online Access: No Customer Login (Full Service). IdentityAI Included.

  • Up to 150 endpoints
  • No internal IT/Security teams required
  • Fully managed security
  • Notifications & Alerts
  • Monthly reports
  • No customer login
  • IdentityAI included
Professional: Up to 150 endpoints

SMEs with IT / Security teams. Fully Managed Security (24/7/365 Threat Monitoring). Delivery Channel: Notifications & Alerts, and Customer Dashboard. Monthly reports. Online Access: SpearTip Enterprise Platform. IdentityAI Included.

  • Up to 150 endpoints
  • For organizations with IT/Security teams
  • Fully managed security
  • Notifications & Alerts
  • Customer dashboard
  • Monthly reports
  • SpearTip Enterprise Platform access
  • IdentityAI included
Supporting Resources

Closed-loop Risk Management Platform

The Closed-loop Risk Management Platform offers robust, adaptive cyber insurance services built on an AI-powered platform. It provides organizations with tools to quantify risk exposure, determine appropriate coverage, and receive continuous risk assessments and recommendations. The platform supports the full insurance lifecycle, from risk assessment and underwriting to claims and ongoing risk improvement.

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Product Overview

Cowbell's Closed-loop Risk Management Platform is an AI-powered solution that delivers adaptive cyber insurance services. It is designed to increase an organization's insurability, provide up-to-date insights into risk exposures, and help proactively mitigate cyber threats and potential losses. The platform operates through a closed-loop approach, empowering organizations to assess, insure, respond, and improve their cyber risk posture.

Detailed Description

The Closed-loop Risk Management Platform offers robust, adaptive cyber insurance services built on an AI-powered platform. It provides organizations with tools to quantify risk exposure, determine appropriate coverage, and receive continuous risk assessments and recommendations. The platform supports the full insurance lifecycle, from risk assessment and underwriting to claims and ongoing risk improvement.

Key Features

  • AI-powered risk quantification using Cowbell Factors™
  • Continuous risk assessment and benchmarking against millions of accounts
  • Cowbell Insights for early detection and vulnerability identification
  • Custom-designed cyber insurance policies
  • API-based instant quoting
  • Rule-based and AI-assisted underwriting
  • Dedicated cyber claims specialists and rapid claims response
  • Live, consultative risk sessions with Cowbell Risk Engineering team
  • Access to security resources via Cowbell Rx marketplace

Key Benefits

  • Increases organization’s insurability
  • Offers complete insight into risk exposure
  • Empowers proactive loss mitigation
  • Provides continuous risk assessments and recommendations
  • Enables customized cyber insurance policies
  • Delivers rapid, informed claims handling and recovery services
How It Works
1.Assess: Quantify risk exposure using Cowbell Factors™ to determine coverage needs.
2.Insure: Work with a broker to develop a custom cyber insurance policy based on risk profile.
3.Respond: Access immediate post-incident recovery services from Cowbell’s security and insurance experts.
4.Improve: Receive continuous risk assessments and recommendations to optimize premiums and mitigate risk.
Documentation
View Documentation
Who Is It For
  • Organizations seeking to improve their cyber insurability
  • Businesses needing insight into cyber risk exposure
  • Companies looking to proactively mitigate cyber threats and losses
  • Small businesses and middle market companies (as referenced in navigation)
Detailed Sections
Closed-loop risk management

Robust adaptive cyber insurance services built on top of an AI-powered platform designed to increase your organization’s insurability, give you up-to-date insights into your risk exposures, and to help you proactively mitigate threats and potential losses.

The Cowbell advantage

Our closed-loop approach to risk management increases your organization’s insurability, offers complete insight into risk exposure, and empowers you to take control of loss mitigation.

  • Assess: Use Cowbell Factors™ to quantify your risk exposure and learn exactly how much and what types of coverage your business needs.
  • Respond: Cowbell’s security and insurance experts are on-call and always ready to immediately help you with a full range of post-incident recovery services.
  • Insure: With your broker, determine insurable threats and their financial impacts to develop a cyber insurance policy custom-designed to suit your risk profile.
  • Improve: Receive continuous risk assessments and recommendations to mitigate risk and optimize premiums via Cowbell Insights and the Cowbell Risk Engineering team.
The 4 pillars powering closed-loop risk management

Data Science, Risk Engineering, Underwriting, and Claims are the four pillars that power the platform, each contributing to risk quantification, expert guidance, dynamic underwriting, and rapid claims response.

  • Data Science: 1,000+ inside-out and outside-in data points and risk signals power eight Cowbell Factors.
  • Risk Engineering: Cyber risk experts offer live interaction pre- and post-bind, sourcing hundreds of calls per quarter to avoid cyber events.
  • Underwriting: Instant quoting and binding for small risks, with dynamic prioritization of referrals and dynamic assessment for risk aggregation and pricing.
  • Claims: Fast response times with better information, and rapid follow-through to shorten recovery time and decrease claim severity.
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Management Liability Insurance

Zurich Select Plus Management Liability is a modular insurance product for small and medium-sized private businesses, providing a suite of protections including D&O, employment practices liability, fiduciary liability, and crime coverage. The product is designed to deliver speed from quoting to policy issuance and is supported by Zurich's claims service.

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Product Overview

Cowbell Cyber, in collaboration with Zurich North America, offers the Zurich Select Plus Management Liability product—a modular insurance solution designed to bring the comprehensive protections typically available to large companies to small and medium-sized private businesses. This product helps SMEs navigate complex legal landscapes and safeguard their operational and financial stability, with coverage backed by Zurich's admitted paper and claims service.

Detailed Description

Zurich Select Plus Management Liability is a modular insurance product for small and medium-sized private businesses, providing a suite of protections including D&O, employment practices liability, fiduciary liability, and crime coverage. The product is designed to deliver speed from quoting to policy issuance and is supported by Zurich's claims service.

Key Features

  • Private company Directors & Officers (D&O) liability
  • Employment Practices Liability (EPL)
  • Fiduciary liability
  • Crime coverage (theft, fraud, embezzlement)
  • Modular, tailored suite of protections
  • Offered on Zurich admitted paper
  • Backed by Zurich Claims service

Key Benefits

  • Comprehensive protection for directors, officers, and the company
  • Coverage for legal expenses, settlements, and regulatory actions
  • Helps attract and retain executive talent
  • Supports business continuity during legal challenges
  • Assists with regulatory compliance
  • Aids in reputation management during claims
How It Works
1.Appointed wholesalers of Zurich E&S can access the Cowbell platform via API.
2.Reach out to Cowbell or Zurich representative for access and quoting.
3.Speedy quoting and policy issuance enabled by Cowbell's technology platform.
Documentation
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Who Is It For
  • Small and medium-sized private businesses (SMEs)
  • Businesses with under 250 employees and under $50M in assets
Requirements
  • Business must be a private company
  • Targeted for companies with under 250 employees and under $50M in assets
Detailed Sections
Coverage built for small and medium-sized enterprises

Zurich North America and Cowbell have collaborated to bring the Zurich Select Plus management liability product—a modular solution designed to meet the substantial coverage needs of large companies—to small and medium-sized private businesses. This versatile and tailored suite of protections aims to equip these enterprises with the necessary tools to navigate a complex legal landscape while safeguarding their operational and financial stability. This solution is offered on Zurich admitted paper and is backed by the reputable Zurich Claims service, ensuring reliable support and coverage.

Protect your small to midsize business with Zurich’s Select Plus Management Liability solutions

Zurich North America and Cowbell have collaborated to bring the Zurich Select Plus management liability product—a modular solution designed to meet the substantial coverage needs of large companies—to small and medium-sized private businesses. This versatile and tailored suite of protections aims to equip these enterprises with the necessary tools to navigate a complex legal landscape while safeguarding their operational and financial stability. This solution is offered on Zurich admitted paper and is backed by the reputable Zurich Claims service, ensuring reliable support and coverage.

  • Private company D&O
  • Employment practices liability
  • Fiduciary liability
  • Crime
Target industries
  • Specialty chemicals
  • Technology
  • Energy/Utilities
  • Construction
  • Industrial machinery, tools, and equipment
  • Manufacturing
  • Hospitality (Hotels/Restaurants)
  • Retail
  • Integrated freight & logistics
Frequently asked questions
  • Appointed wholesalers of Zurich E&S can access the Cowbell platform via API.
  • Product is designed for SME private company business, defined as under 250 employees and under $50M in assets.
  • Partnership with Cowbell enables Zurich to offer the product with increased speed and efficiency.
  • Management liability includes D&O, EPL, fiduciary liability, and crime coverage.
  • Management liability coverage protects directors, officers, and the company, covers legal expenses, helps attract talent, supports business continuity, assists with regulatory compliance, and aids in reputation management.
  • Most common claims are employment practices liability (EPL) claims: discrimination, wrongful termination, harassment, retaliation.
Supporting Resources

User-Identity Monitoring (IdentityAI)

IdentityAI is designed to streamline detection and remediation of identity-based attacks, reducing the mean time to detect and remediate threats from days to minutes. It integrates with major cloud and security platforms to provide centralized visibility and automated security actions.

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Product Overview

IdentityAI is a user-identity monitoring solution that continuously monitors and secures user identities across critical business platforms. It leverages API-driven log streaming, AI-based analytics, and automated remediation to detect and respond to identity-based threats in real time, significantly reducing the frequency and severity of breaches.

Detailed Description

IdentityAI is designed to streamline detection and remediation of identity-based attacks, reducing the mean time to detect and remediate threats from days to minutes. It integrates with major cloud and security platforms to provide centralized visibility and automated security actions.

Key Features

  • Continuous monitoring of user identities across multiple platforms
  • API-driven log streaming for real-time data collection
  • AI correlations and cyber intelligence to identify suspicious behavior and anomaly patterns
  • Automated remediation actions such as password resets, disabling compromised accounts, and blocking adversary pathways
  • Centralized visibility across integrated tools and cloud services
  • Proactive threat hunting with real-time analytics and AI-driven rulesets

Key Benefits

  • Reduces mean time to detect threats from 36 days to 15 minutes
  • Reduces mean time to remediate from 36 days to 49 minutes
  • Drastically reduces the chance of lateral movement and fraudulent wire transfers
  • Helps organizations save significant financial losses from cyber incidents
  • Automates remediation actions, freeing up security teams
Use Cases
  • Detecting and remediating identity-based attacks
  • Preventing fraudulent wire transfers
  • Blocking lateral movement within organizational environments
  • Automating incident response for compromised accounts
Documentation
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Who Is It For
  • Organizations using Microsoft 365, Google Workspace, Microsoft Defender, Duo, Okta, Salesforce, Amazon Cloud Trails, and MSP RMM tools
  • Businesses seeking to reduce risk from identity-based attacks, wire fraud, and lateral movement
  • Security teams looking to automate incident response and reduce operational overhead
Detailed Sections
Resiliency Services

Identity-based attacks escalate quickly to fraudulent transfers and lateral movement. IdentityAI streamlines detection and remediation, significantly reducing the frequency and severity of breaches.

Identity AI

IdentityAI continuously monitors and secures user identities across critical platforms: Microsoft 365, Google Workspace, Microsoft Defender, Duo, Okta, Salesforce, Amazon Cloud Trails, and MSP RMM tools.

  • API-driven log streaming: Pulling security logs from each platform in real time.
  • AI correlations & cyber intelligence: Analyzing massive data sets to identify suspicious behavior and anomaly patterns.
  • Automated remediation: Executing immediate security actions—like forcing password resets, disabling compromised accounts, and blocking adversary pathways—significantly reducing risk.
Measurable impact

By shrinking the detection-and-response window from days to minutes, IdentityAI drastically reduces the chance of lateral movement and fraudulent wire transfers, helping organizations save hundreds of thousands—potentially millions—of dollars.

  • Mean time to detect: Before: 36 Days, With IdentityAI: 15 Minutes
  • Mean time to remediate: Before: 36 Days, With IdentityAI: 49 Minutes
Why Identity AI?
  • Proactive Threat Hunting: Real-time analytics and AI-driven rulesets proactively detect anomalies and block compromised accounts in minutes.
  • Enhanced Fraud Prevention: 32% of attacks result in wire fraud averaging $320,000; faster detection directly prevents or contains losses.
  • Centralized Visibility: Integrates with a wide range of tools and cloud services, providing a single pane of glass for monitoring identity security.
  • Future-Proofing Against Lateral Movement: Detects unusual login patterns or privilege escalation attempts quickly, preventing attackers from pivoting within your environment.
  • Reduced Operational Overhead: Automated responses free up security teams to focus on higher-value tasks.

Cowbell Rx Marketplace

Cowbell Rx Marketplace connects organizations with a curated network of cybersecurity partners, offering vetted solutions to address both specific cyber threats and gaps in security controls. The marketplace is designed to simplify the process of selecting cybersecurity products and services, providing exclusive savings and expert guidance to help businesses enhance their cyber resilience and insurability.

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Product Overview

Cowbell Rx Marketplace is a curated cybersecurity marketplace that provides organizations with exclusive savings on vetted, reliable cybersecurity solutions. It offers a network of trusted partners and clear guidance to help businesses strengthen their cyber defenses and improve insurability.

Detailed Description

Cowbell Rx Marketplace connects organizations with a curated network of cybersecurity partners, offering vetted solutions to address both specific cyber threats and gaps in security controls. The marketplace is designed to simplify the process of selecting cybersecurity products and services, providing exclusive savings and expert guidance to help businesses enhance their cyber resilience and insurability.

Key Features

  • Curated marketplace of cybersecurity products and services
  • Two approaches to solution selection: threat-based and control-based
  • Vetted, reliable partner solutions
  • Guidance to help organizations choose the right solutions
  • Integration with Cowbell's cyber insurance offerings

Key Benefits

  • Exclusive savings on trusted cybersecurity solutions
  • Access to a curated network of vetted partners
  • Clear choices and steady guidance for cybersecurity decision-making
  • Improved cyber defenses and insurability
  • Options to address both specific threats and security gaps
Documentation
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Who Is It For
  • Businesses seeking to improve their cybersecurity posture
  • Organizations looking for cost-effective, vetted cybersecurity solutions
  • Cowbell Cyber policyholders aiming to become more insurable at renewal
Detailed Sections
Cowbell Rx cybersecurity marketplace

Gain exclusive savings on trusted cybersecurity solutions. Our curated network of partners cuts through the noise with vetted, reliable options that strengthen your defenses while keeping costs down. With Cowbell Rx, you get clear choices, steady guidance, and protection that resonates.

Choose your approach

Organizations can focus on threats they want to stop or fix weaknesses in their security. The best strategy combines both, keeping businesses safe from attacks while also shoring up their defenses.

  • Threat-based: Identify dangers like ransomware, insider threats, or hackers and pick solutions to block those threats.
  • Control-based: Identify weak areas like passwords, cloud storage, or network monitoring and find tools to strengthen them.

“Thanks to Cowbell Rx, we saved thousands of dollars on our cybersecurity budget this year, and we are now more insurable at renewal as well.” - Policyholder

Supporting Resources

Compliance as a Service (COMPaaS)

Cowbell COMPaaS provides a comprehensive, expert-guided service to help organizations achieve SOC 2 compliance efficiently. Powered by GoRICO and built by Accorian security experts, the service combines automation, a GRC platform, and practitioner-led support to reduce the complexity, time, and cost of compliance.

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Product Overview

Cowbell COMPaaS is designed to support organizations pursuing SOC 2 compliance in both U.S. and global markets. It delivers expert-guided readiness and high-touch support throughout the compliance journey, streamlining the process with a unified solution that integrates a robust GRC platform and expert guidance.

Detailed Description

Cowbell COMPaaS provides a comprehensive, expert-guided service to help organizations achieve SOC 2 compliance efficiently. Powered by GoRICO and built by Accorian security experts, the service combines automation, a GRC platform, and practitioner-led support to reduce the complexity, time, and cost of compliance.

Key Features

  • Expert-guided readiness and high-touch support
  • Unified solution integrating a robust GRC platform (GoRICO)
  • Self-driven, all-in-one approach to compliance
  • Gap analysis to understand compliance posture
  • Penetration testing to fortify systems
  • Audit preparation with expert assistance
  • Risk assessment to identify vulnerabilities
  • Policy & procedure support with easy-to-use templates
  • Practitioner-led support with dedicated specialists
  • Flexible framework and tailored solutions
  • Transparent pricing

Key Benefits

  • Accelerates SOC 2 compliance with expert guidance and automation
  • Reduces the burden of compliance with a single, comprehensive solution
  • Ensures a hassle-free, streamlined approach to security compliance
  • Eliminates inefficiencies and streamlines vendor coordination
  • Cuts down on time and costs associated with compliance
How It Works
1.Automate compliance, risk assessments, and audit preparation using the GoRICO GRC platform
2.Receive expert guidance and end-to-end support from Accorian security specialists
3.Conduct gap analysis to assess current compliance posture
4.Perform penetration testing to identify and address vulnerabilities
5.Prepare for audits with practitioner-led support
6.Utilize policy and procedure templates to streamline documentation
7.Engage in risk assessments to proactively manage threats
Documentation
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Who Is It For
  • Organizations pursuing SOC 2 compliance
  • Businesses in the U.S. and global markets seeking security compliance
  • Companies seeking to enable growth through SOC 2 certification
Detailed Sections
Resiliency Services

Designed to support organizations pursuing SOC 2 compliance in both U.S. and global markets, Cowbell COMPaaS delivers expert-guided readiness and high-touch support throughout the compliance journey.

SOC 2 bundle

SOC 2 compliance is essential for enabling growth, but achieving it shouldn’t be complex or time-intensive. Powered by GoRICO and built by Accorian security experts, Cowbell COMPaaS streamlines your compliance journey with a unified solution. By integrating a robust GRC platform with expert guidance, we eliminate inefficiencies, cut down on time and costs, and streamline vendor coordination.

  • Accelerates SOC 2 compliance with expert guidance and automation.
  • Reduces the burden of compliance with a single, comprehensive solution.
  • Ensures a hassle-free, streamlined approach to security compliance.
Accorian’s bundled approach

Accorian’s SOC 2 Bundle, powered by GoRICO, offers a self-driven, all-in-one approach to compliance. Unlike solutions that only automate controls, we provide expert guidance, a GRC platform, and end-to-end support. With a flexible framework, transparent pricing and tailored solutions, we make SOC 2 compliance seamless, ensuring real security, not just a checkbox.

GoRICO - Our purpose built GRC platform

Automate compliance, risk assessments and audit prep.

Gap analysis

Understand your compliance posture.

Penetration testing

Fortify systems against real-world threats.

Audit preparation

Be audit-ready with expert assistance.

Risk assessment

Identify vulnerabilities before they escalate.

Policy & procedure support

Easy-to-use templates for policy creation.

Practitioner-led support

Dedicated specialists to guide you every step.

Vendor Risk Assessment

Cowbell VRA addresses the growing threat of vendor-related cyber risk by offering integrated, real-time risk intelligence. Organizations can evaluate vendors, track key indicators, and maintain audit readiness from a single dashboard.

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Product Overview

Cowbell's Vendor Risk Assessment (VRA) is a subscription-based resiliency service that enables organizations to quickly assess the cyber readiness and resiliency of their vendor partners. It provides real-time visibility into key risk indicators, helping organizations make informed decisions, mitigate risk, and strengthen supply chain security.

Detailed Description

Cowbell VRA addresses the growing threat of vendor-related cyber risk by offering integrated, real-time risk intelligence. Organizations can evaluate vendors, track key indicators, and maintain audit readiness from a single dashboard.

Key Features

  • Centralized dashboard with vendor risk by impact level (Critical, Moderate, Low)
  • Risk scorecards covering threat intelligence, compliance, endpoint data, and more
  • Detailed vendor profiles highlighting vulnerabilities (e.g., Funds Transfer, Cloud Security, Dark Intelligence)
  • Real-time monitoring of 9 key risk dimensions
  • Audit-readiness support

Key Benefits

  • Detect and address risks before they impact your business
  • Compare vendor performance to industry benchmarks instantly
  • Monitor 9 key risk dimensions in real time, without extra tools
  • Reduce exposure and stay audit-ready
  • Assess your top 5 vendors for free
Documentation
View Documentation
Who Is It For
  • Organizations concerned about third-party/vendor cyber risk
  • Businesses seeking to strengthen supply chain security
  • Companies needing to monitor and assess multiple vendors
Detailed Sections
Resiliency Services

Quickly assess the cyber readiness and resiliency of your vendor partners with real-time visibility into key indicators. Empower your organization to make informed decisions, mitigate risk, and strengthen your supply chain security.

Vendor Risk Assessment (VRA)

Vendor risk is one of today’s fastest-growing cybersecurity threats. Cowbell VRA closes the gap with integrated, real-time risk intelligence. Easily evaluate vendors, track key indicators, and stay audit-ready, all from a single dashboard.

  • 35% of data breaches originate with third-party vendors
  • 60% of organizations lack visibility into vendor security postures
  • 75% work with 25+ vendors, expanding their attack surface
See it in action
  • Centralized Dashboard – Get a clear snapshot of vendor risk by impact level (Critical, Moderate, Low)
  • Risk Scorecards – Understand vendor risk across threat intel, compliance, endpoint data, and more
  • Detailed Profiles – Pinpoint vulnerabilities from Funds Transfer to Cloud Security and Dark Intelligence
What you gain
  • Peace of mind: Detect and address risks before they impact your business
  • Clarity: Compare vendor performance to industry benchmarks instantly
  • Efficiency: Monitor 9 key risk dimensions in real time, without extra tools
  • Confidence: Reduce exposure and stay audit-ready
  • Savings: Assess your top 5 vendors for free
Curated cybersecurity solutions