Cowbell Cyber: AI-Driven Cyber Insurance for SMEs

AI-Powered Continuous Underwriting

What it means for you: Receive dynamic, real-time risk assessments and pricing that adjust continuously to evolving threats, delivering tailored protection unlike traditional static policies.

Real example: A client’s policy premium and coverage limits automatically adapt after Cowbell's platform detects new network vulnerabilities, ensuring ongoing protection without the need for lengthy policy reviews.

Best fit for: Small and medium businesses that require proactive cyber risk management and fast, personalized coverage decisions.

24/7 Dedicated Claims Support

What it means for you: Access around-the-clock claims assistance specializing in cyber incident response to mitigate damages quickly and efficiently.

Real example: During a ransomware attack, Cowbell coordinated with incident handlers and negotiated ransom reductions, minimizing financial impact and downtime.

Best fit for: Businesses seeking a claims team knowledgeable in cyber threats and fast response to complex incidents.

Strong Financial Backing & Coverage Flexibility

What it means for you: Benefit from a financially stable carrier supported by $202M funding and Zurich Insurance partnership, offering coverage up to $15M tailored to varied SME needs.

Real example: Larger SME clients secure high-limit policies with endorsements customized for manufacturing or construction cyber risks.

Best fit for: SMEs requiring scalable coverage options backed by credible financial partners.

Specialized SME Market Focus and Rapid Growth

What it means for you: Engage with a carrier focused solely on SME cyber needs proven by its rapid growth and localized Colorado and Utah presence.

Real example: Cowbell’s tailored product launches and broker education initiatives support regional businesses unfamiliar with traditional cyber insurance complexities.

Best fit for: Colorado and Utah small to mid-size companies that desire expert SME cyber solutions and streamlined service.

Online Account Portal

• View policy details and documents anytime
• Make payments and manage billing preferences
• Update contact and business risk profile information for continuous underwriting

Access: https://cowbell.insure/account

Cowbell Cyber Mobile App Features

• Real-time risk monitoring and alerts to keep you informed of emerging cyber risks
• Policy overview and document access for easy reference on the go
• Access to cyber risk management resources and best practices
• Secure login with multi-factor authentication for data protection

Download: Available on iOS and Android

Available Payment Methods

• Automatic Payment: Bank account and credit card options with no known discounts
• Online Payment: Secure payments accepted via customer portal, no fees
• Phone Payment: Available through customer service at 1-800-984-4276, no fees
• Mail Payment: Payments accepted by mail to Cowbell Cyber billing address; allow 5-7 business days processing
• In-Person: Not applicable; direct pay through portal or phone recommended

Payment Schedules

• Monthly: No fees; available for budgeting flexibility
• Quarterly: No discounts currently offered
• Semi-Annual: No discounts currently offered
• Annual: No published discounts currently available

Cyber Insurance Discounts

• Multi-Year Policy: Customers renewing policies for multiple years may receive price consideration depending on underwriting review
• Risk Management Engagement Discount: Participation in Cowbell Academy and active risk mitigation can favorably affect pricing

Multi-Policy Discounts

• Bundled Cyber & Tech Liability: Combining Prime Tech E&O with core cyber policy may provide tailored pricing advantages

Cowbell Cyber Works Best For:

Small & Medium Enterprises (SMEs)

• Annual revenues up to $1 billion
• Seeking adaptive and proactive cyber risk protection
• Value technology-driven underwriting and rapid policy issuance

Technology & Software Companies

• Require combined cyber and professional liability coverage
• Benefit from Cowbell Prime Tech and Co-Pilot AI underwriting
• Need efficient, tailored risk management solutions

Businesses in Manufacturing & Construction

• Need industry-specific endorsements for contract and bid protection
• Require coverage for cyber-related business interruptions
• Prefer specialized products catered to their unique operational risks

Consider Other Options If:

• You require personal, local agent servicing beyond digital engagement and rapid underwriting
• Your business demands highly personalized, hands-on claims handling with extensive in-person support
• You need cyber insurance bundled with broad commercial property or casualty lines not specialized for cyber risk

Our job is finding the right fit for your specific needs. If Cowbell Cyber isn't ideal for your situation, we'll help you find who is.