Management Liability
Zurich and Cowbell deliver enterprise-trusted management liability coverage, tailored for SMEs.
Cowbell harnesses technology, data and AI to provide SMEs with advanced warning of cyber risk and customized cyber insurance adaptable to the threats of today and tomorrow.
Adaptive Cyber Insurance for Today’s and Tomorrow’s Threats
Adaptive Coverage
Coverage that evolves with the global threat landscape
Closed-Loop Risk Management
Continuous risk assessment and underwriting, fast response
Premium Incentives
Incentives for policyholders to improve their security posture
Closed-Loop Risk Management
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.
Insure
With your broker, determine insurable threats and their financial impacts to develop a cyber insurance policy custom-designed to suit your risk profile.
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.
Improve
Receive continuous risk assessments and recommendations to mitigate risk and optimize premiums via Cowbell Insights and the Cowbell Risk Engineering team.
Assess
Use Cowbell Factors™ to quantify your risk exposure and learn exactly how much and what types of coverage your business needs.
Insure
With your broker, determine insurable threats and their financial impacts to develop a cyber insurance policy custom-designed to suit your risk profile.
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.
Improve
Receive continuous risk assessments and recommendations to mitigate risk and optimize premiums via Cowbell Insights and the Cowbell Risk Engineering team.
Standalone Cyber for Better Financial Protection
Cowbell Prime are standalone, admitted, or surplus cyber insurance programs that deliver customized coverage aligned to your unique risk exposures.
Clarity
Coverages designed to address today’s cyber threat diversity – not only data breaches.
Personalization
Coverages anchored in Cowbell Factors, which identify the unique risk exposure of your organization.
Insights
Actionable recommendations to improve your risk ratings, remediate security weaknesses and optimize premiums.
Cyber Policies
Designed Just For You
Cowbell cyber coverages are specifically designed for enterprises with up to $1 billion in annual revenue. For a healthcare, technology, construction, finance, retail or agriculture business (along with other industries), Cowbell automates insurance applications. As an enterprise risk manager, your work is essentially already done.
PRIME
100
Standalone cyber insurance for businesses with up to $100M in revenue.
Ideal for first-time buyers or businesses upgrading from a Business Owner Policy (BOP) or packaged cyber policy.
PRIME
250
A complete portfolio of surplus, easy-to-understand cyber coverages.
For businesses with up to $1bn in revenue.
PRIME
Plus
Cowbell Prime Plus brings excess cyber risk insurance to businesses that need higher limits and more robust financial protection.
Cyber Insurance Knowledge Center
Reports, tips, and tools to help your agency and business succeed and stay secure.
Cowbell is backed by 20+ global reinsurance partners
Recent Blog Posts
The latest news and insights from the Cowbell team.
Understanding Cyber Insurance: Highlights from Cowbell’s NH DOI Presentation
On June 16, 2025, Cowbell proudly participated in the New Hampshire Property and Casualty Markets Symposium, hosted by the New Hampshire Department of Insurance in Concord, NH. Our very own Emma Werth, VP of Underwriting & Reinsurance, delivered an insightful...
Meet Joe Hoosech: Cowbell’s New Incident Response Lead with a Mission-Driven Mindset
We’re excited to welcome Joe Hoosech to Cowbell as our new Principal of Digital Forensics and Incident Response (DFIR). Joe brings a one-of-a-kind mix of military leadership, cybersecurity know-how, and calm-under-pressure decision-making, exactly what you want when...
CyberLine Quarterly: Unifying Cyber Risk, Professional Indemnity, and Management Liability
“What you’re thinking is what you’re becoming.” — Muhammad Ali. Over the past quarter, Cowbell has redefined the pace and potential of innovation in commercial insurance. To call our latest advancements mere milestones would understate their impact on the...
