Cowbell
Cowbell is an AI-powered cyber and specialty insurance provider that underwrites adaptive coverage for approximately 30,000 SMEs and mid-market organizations across the US, UK, Australia, and Canada, using continuous risk assessment and a broker-distributed platform.
- Company typePrivate
- Founded2019
- HeadquartersPleasanton, United States
- Headcount101–250
- GTM typeB2B
- OfferingServices
What Cowbell does
Cowbell is a specialty insurance provider founded in 2019 and headquartered in Pleasanton, California, that underwrites adaptive cyber and digital protection coverage for small and medium-sized businesses and, more recently, the mid-market segment. The company operates an AI-powered continuous underwriting platform branded Cowbell Factors that ingests signals from approximately 45 million businesses and 30+ security tool integrations (via Cowbell Connectors) to generate real-time risk scores, support sub-five-minute quote-to-bind workflows, and monitor policyholder cyber posture on an ongoing basis. Insurance products span admitted and non-admitted cyber liability (Prime 100, Prime 100 Pro, Prime 250, Prime One, Prime Plus), technology E&O and professional indemnity (Prime Tech), management liability, and emerging risk coverages including affirmative AI-incident and quantum computing risk for organizations with $250M-$1B revenue. Following a November 2025 brand refresh, Cowbell has repositioned itself as a broader digital protection partner.
Cowbell firmographics
Firmographics- Name
- Cowbell
- Legal name
- Cowbell Cyber, Inc.
- Website
- https://cowbell.insure
- Company type
- Private
- Founded year
- 2019
- Operating status
- Operating
- Headcount range
- 101–250 employees
- Short description
- Cowbell is an AI-powered cyber and specialty insurance provider that underwrites adaptive coverage for approximately 30,000 SMEs and mid-market organizations across the US, UK, Australia, and Canada, using continuous risk assessment and a broker-distributed platform.
- Ownership category
- akta.pro rank
Cowbell industry classification
Industry- Product category
- Cyber Insurance
- NAICS
- Insurance and Employee Benefit Funds (5251), Claims Adjusting (524291)
- SIC
- Finance Services (6199)
- akta.pro primary industry
- Standalone Cyber Liability Insurance (FSAJAOAA)
Keywords
Where Cowbell is headquartered
LocationHeadquarters
- HQ city
- Pleasanton
- HQ country
- United States
- HQ region
- North America
Offices13 records
Markets served
Cowbell business model
Business model- GTM type
- B2B
- Offering type
- Services
- Cost components
- Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure
Revenue model
- Cyber Insurance Premiums: Primary revenue from underwriting cyber insurance policies for SMEs and mid-market businesses. Policies offered on admitted and non-admitted basis with coverage limits up to $10 million. Revenue generated through policy premiums with pricing based on risk assessment and coverage limits.
- Cowbell Resiliency Services (CRS): Subscription-based cybersecurity services including Managed Detection & Response, Penetration Testing, IdentityAI, and Compliance as a Service. Self-service platform allows policyholders to access vetted cybersecurity tools with pre-negotiated discounts.
- Cowbell Rx Marketplace: Referral marketplace connecting policyholders with ecosystem of cyber risk management and security partners. Platform provides pre-negotiated discounts on cybersecurity solutions and services.
Pricing tiers
| Model | Billing | Price |
|---|---|---|
| Subscription | Annual | Cowbell Prime One - Mid-market cyber insurance with AI/quantum coverage |
| Subscription | Annual | Cowbell Prime One Australia - SME cyber insurance |
| Subscription | Annual | Cowbell Prime One Tech - UK tech sector coverage |
| Subscription | Annual | Sophos MDR partnership discounts |
| Subscription | Monthly | Cowbell Resiliency Services - Subscription-based cybersecurity tools |
Go-to-market motion3 records
Distribution channels6 records
Marketing channels7 records
Cowbell product offering
Product offeringCore offering
Cowbell provides adaptive cyber and specialty insurance for small and medium-sized businesses and mid-market organizations. Its core products include cyber liability insurance (Prime 100, Prime 100 Pro, Prime 250, Prime One, Prime Plus), technology E&O and management liability coverage, supported by an AI-powered continuous underwriting platform (Cowbell Factors), 30+ security tool integrations, and Cowbell Resiliency Services for risk management and incident response.
Product overview
Cowbell is an adaptive cyber and specialty insurance provider offering a platform-based architecture combining AI-powered underwriting with a portfolio of insurance products. The core offerings include cyber insurance products (Prime 100, Prime 100 Pro, Prime 250, Prime One, Prime Plus), professional liability (Prime One Tech), and management liability coverage. These are supported by the Cowbell Factors continuous underwriting platform, API-based quoting, and Cowbell Resiliency Services including IdentityAI, COMPaaS, and the Rx Marketplace. The closed-loop approach (assess, insure, respond, improve) integrates risk scanning, AI-assisted underwriting, policy issuance, and ongoing resilience services into a unified ecosystem.
Differentiator
Problem solved
Functional benefit
Brands
- Cowbell Prime 100: Adaptive cyber insurance for small businesses
- Cowbell Prime 100 Pro
- Cowbell Prime 250
- Cowbell Prime One
- Cowbell Prime Plus
- Cowbell Prime Tech
- Cowbell Resiliency Services (CRS)
- Cowbell Rx
- Cowbell Factors
- Cowbell Insights
- Cowbell Connectors
- IdentityAI
- COMPaaS
- Cowbell COMPaaS-AI
Products and services
- Cowbell Prime 100 Adaptive cyber liability insurance for small businesses providing coverage against evolving cyber risks before, during, and after an incident.
- Cowbell Prime 100 Pro Premium tier adaptive cyber insurance for small businesses with enhanced coverage and additional risk management features beyond the base Prime 100 offering.
- Cowbell Prime 250 Non-admitted cyber insurance product for businesses requiring higher coverage limits, available for surplus lines accounts.
- Cowbell Prime One Non-admitted cyber insurance for mid-sized organizations with annual revenues between $250M and $1B, offering coverage limits up to $10M with affirmative coverage for AI-related incidents and quantum computing risks.
- Cowbell Prime Plus Excess cyber insurance coverage providing additional policy limits beyond primary cyber insurance for larger risk exposures.
- Prime One Tech Technology E&O coverage combining cyber insurance with professional indemnity for UK technology professionals, covering liabilities tied to advice, design, and services delivered.
- Management Liability Insurance protection for leaders and small to medium-sized organizations addressing exposures from critical decision-making in a fast-changing world.
- Cowbell Resiliency Services (CRS) Comprehensive cybersecurity risk management platform including complimentary services (connectors, risk assessment, training, pen testing, vendor risk assessment) and subscription-based offerings (MDR, IdentityAI, COMPaaS).
- Cowbell Rx Marketplace Referral marketplace connecting policyholders with ecosystem cyber risk management and security partners offering exclusive discounts on vetted cybersecurity solutions and services.
- Claims & Incident Response Services 24/7 claims handling with in-house cyber-specialist team and vetted panel of incident response experts providing immediate access to breach counsel, forensic investigators, and recovery specialists.
Quantifiable outcome
- 65% reduction of ransom demands through negotiations
- +5 more outcomes
Companies that use Cowbell
Customer profileNamed customers4 records
Segments5 records
Ideal customer profiles4 records
Cowbell technology and API
TechnologyTechnology focussed Yes
API detail
- Has API
- Yes
- API docs
- API detail
Core technology
AI maturity
App detail
Integration2 records
AI capability6 records
Feature8 records
Cowbell partnerships and signals
Strategic signalPartnerships
Seven partnerships are on record, tiered core and flagship.
- Chaucer Insurance CompanycoreChaucer Insurance Company underwrites Cowbell Prime One policies on a non-admitted basis in the U.S. market. This collaboration enables Cowbell to offer coverage for AI-related incidents and quantum computing risks to mid-market organizations with revenues $250M-$1B.
- Matthieu Chan TsincoreSenior Vice President of Resiliency Services; participates in industry events discussing cyber insurance demand around major global events; promoted from VP Cybersecurity Services role.
- Zurich Australian Insurance LtdflagshipExclusive multi-year partnership for Australia market. Zurich Australian Insurance Ltd writes Prime One cyber insurance policies for Australian SMEs with annual turnover up to A$100 million. Product uses AI-powered underwriting enabling quoting and binding in under 5 minutes.
- Anthony WallcoreAppointed as Head of Underwriting for Australia to lead local underwriting and claims capabilities for Prime One product launch.
- Alric LalcoreAppointed as Head of Business Development for Australia to oversee local operations and market development for Australian expansion.
- Palomar HoldingscorePalomar Holdings reinsurance treaty agreement renewal supporting Cowbell's reinsurance captive Cowbell Re. Partnership enhances data science, underwriting, risk engineering, and claims management capabilities.
- SophoscoreStrategic partnership enables Sophos MDR and endpoint customers in the US and UK to access Cowbell cyber insurance with optimized pricing based on security health. Customers share endpoint health information with Cowbell to receive tailored coverage and risk assessments. Partnership provides material discounts (33% in Australia, 12% in UK) to Sophos MDR customers.
Scale indicators16 records
Recent moves9 records
Expansion highlights6 records
Cowbell competitors and assessment
Company assessmentDirect peers
- At-Bay: At-Bay is a cyber insurance MGA focused on U.S. SMEs and mid-market companies with continuous security monitoring and an active reinsurance captive (At-Bay ILS), closely paralleling Cowbell's model.
- Coalition: Coalition is a leading cyber insurtech providing active insurance, continuous risk assessment, and incident response for SMEs and mid-market, with global reach—Cowbell's most direct competitor in AI-driven cyber underwriting.
- Resilience: Resilience provides cyber insurance and security solutions for mid-market and enterprise clients; Cowbell's incoming CFO John Botros previously served as Resilience's finance chief, evidencing close operational comparability.
- Corvus Insurance: Corvus is a cyber-focused MGA using data-driven underwriting for SMEs and mid-market; it overlaps with Cowbell's broker-distributed cyber specialty insurance model.
Broad incumbents
- Beazley: Beazley is a global specialty insurer with a large cyber and technology E&O practice serving SMEs and mid-market; it competes with Cowbell's Prime Tech and broader specialty offerings.
- Chubb: Chubb is a major global P&C carrier with established cyber products across SME and mid-market; it represents incumbent competition Cowbell targets with AI-driven continuous underwriting.
- Hiscox: Hiscox is a specialty insurer with deep SME and professional lines expertise including cyber and professional indemnity; Cowbell's Management Liability and PI expansions directly overlap.
- Travelers: Travelers is a large U.S. P&C carrier with a growing cyber book for SMEs and mid-market, competing for broker placements and treaty capacity in Cowbell's core segments.
- Tokio Marine HCC: Tokio Marine HCC's Cyber & Professional Lines Group is a major cyber carrier for SMEs and mid-market, providing incumbent paper and competing with Cowbell Prime products.
- AIG: AIG is a global insurer with established cyber and specialty lines offerings across SME, mid-market, and enterprise tiers, representing broad incumbent competition.
Market position
Strengths5 records
Weaknesses5 records
Competitive moat5 records
Key risks6 records
Key highlights7 records
Customer concentration
Cowbell social profiles
Digital presenceCowbell financial estimates
Financial estimateRevenue estimate
Valuation estimate
Cowbell leadership team
Management profileNumber of profiles
Profiles16 records
Cowbell subsidiaries and ownership
Company hierarchySubsidiaries2 records
Cowbell funding detail
Funding detailFunding overview
Funding rounds5 records
Investors16 records
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Cowbell M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Cowbell
What does Cowbell do?
Cowbell provides adaptive cyber and specialty insurance for small and medium-sized businesses and mid-market organizations. Its core products include cyber liability insurance (Prime 100, Prime 100 Pro, Prime 250, Prime One, Prime Plus), technology E&O and management liability coverage, supported by an AI-powered continuous underwriting platform (Cowbell Factors), 30+ security tool integrations, and Cowbell Resiliency Services for risk management and incident response.
Is Cowbell a public or private company?
Cowbell is a private company. It is classified as venture growth investor backed and is currently operating.
When was Cowbell founded?
Cowbell was founded in 2019. It employs 101 to 250 people.
Where is Cowbell based?
Cowbell is headquartered in Pleasanton, United States, in the North America region.
How does Cowbell make money?
Three revenue lines are on record. Cyber Insurance Premiums are the primary driver. The others are cowbell Resiliency Services (CRS) and cowbell Rx Marketplace.
Who are Cowbell's main competitors?
Direct peers on record are At-Bay, Coalition, Resilience and Corvus Insurance. Broad incumbents are Beazley, Chubb, Hiscox, Travelers, Tokio Marine HCC and AIG.
Does Cowbell have an API?
Yes. Cowbell offers API-based quoting capabilities that enable brokers to generate quotes programmatically. The platform features a developer console for accessing API services. The API enables real-time risk assessment integration and automated quote generation for cyber insurance policies. Developer documentation is at console.cowbellcyber.ai.
What industry is Cowbell in?
Cowbell's product category is Cyber Insurance. Its primary akta.pro industry code is FSAJAOAA, Standalone Cyber Liability Insurance. Its NAICS code is 5251 and its SIC code is 6199.