“He who is not courageous enough to take risks will accomplish nothing in life.”
— Muhammad Ali.
Welcome to this bold new edition of CyberLine Quarterly. Over the past quarter, Cowbell has accelerated innovation, broadened coverage, and deepened its global footprint—all while ensuring businesses large and small remain protected from evolving digital threats. We’re proud to now underwrite businesses with up to $1 billion in revenues in the US and up to £1 billion in the UK. In addition, more than twenty prominent global reinsurers—including four of the top five worldwide—continue to stand behind our ability to safeguard organizations of every size.
Strength in Numbers: Our 85,000-strong user community is the driving force behind our relentless pursuit of excellence. Accompanying this momentum is an ever-growing global risk pool, spanning over 50 million SMEs across the US, UK, Australia, and beyond. With each expansion, we refine our underwriting models in real-time, anchoring our promise to swiftly pay claims—over $250 million disbursed to date—when policyholders need us most.
New Products: Building on a Strong Foundation
For five years, Cowbell has refined underwriting precision in cyber and established sweeping distribution channels. Today, we’re leveraging that expertise to transform the broader commercial insurance space:
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- Professional Liability: We combined Tech E&O and Cyber coverage into one powerful product, ideal for professional services and technology-driven businesses alike; we’re also exploring Miscellaneous Professional Liability offerings to tackle challenges such as generative AI adoption. Our unparalleled broker network and data-driven approach forged in the cyber arena, now power this foray into new coverage lines.
- Management Liability: Coming soon, we’ll unveil a dedicated suite for D&O, EPL, Fiduciary, and Crime. Our proven cyber underwriting methodology will deliver scalable and efficient protection as we expand this offering to wholesale, API-driven, and ultimately broader distribution channels.
New Services: Taking Cyber Risk Prevention a Step Further
Where traditional insurance once prioritized reactive measures, our Cowbell Resiliency Services (CRS) operates on a “shift left” mindset, giving prevention and detection equal weight. With Managed Detection and Response, Identity AI, penetration testing, and cybersecurity training, already a hit in the US, CRS has officially arrived in the UK. With newly expanded 30+ Cowbell Connectors and 40+ Cybersecurity and cloud service providers on Rx Marketplace for proactive interventions, businesses can shield themselves from attacks before they escalate. Should an incident occur, a robust response and recovery framework remains in place, ensuring comprehensive end-to-end protection.
New Markets: Global Footprint, Local Expertise
A 600% year-over-year growth in the UK proves our global momentum is unstoppable. Next, we’re fortifying our presence across the Asia-Pacific region, leveraging our technology deployments in Ireland, Singapore, and US coasts. These deployments supercharge data-driven underwriting, expedite claims management, and deliver real-time insights for brokers and policyholders worldwide. Through local partnerships and a nuanced grasp of each market’s unique demands, we’re poised to provide a best-in-class solution for small and mid-sized businesses everywhere.
A Growing Team and an Evolving Brand—Aligned for Scale
Behind these strides stands a leadership team more unified than ever. We’ve assembled high-growth veterans and forward-thinkers, ensuring that strategic decisions are made with speed and purpose. We’re reimagining our operations around accountability, transparency, and collaboration, and it’s paying dividends for both talent and customers. Cowbell is, at its core, a technology company that also boasts a powerful insurance brand. You’ll soon see a refreshed visual identity that mirrors our bold expansion and ambitious product suite. Expect the Cowbell name to remain synonymous with innovation, reliability, and proactive cyber risk management.
Looking Ahead: Building Our Capacity for Tomorrow’s Risks
Our mission is unwavering: empower organizations to navigate the constantly shifting cyber threat landscape through accessible, data-driven coverage and services. Always expect advanced AI underwriting and expanded risk mitigation solutions from us. We’re doubling down on our fully vertically integrated platform, powered by Cowbell Factors, our proprietary risk rating system, to manage digital commercial risk for small and medium-sized businesses on a global scale. By harnessing real-time data and analytics, we’re poised to deliver tailored solutions faster and more efficiently than ever.
Thank you for joining us in this edition of CyberLine Quarterly. Whether you’re a broker, policyholder, or simply curious about the future of cyber insurance, know that Cowbell stands ready to protect and propel you forward. Together, we’ll make the digital world not just safer, but smarter—and more prepared for whatever tomorrow brings.
Until next time—let’s secure our digital future, one policy at a time.
#MoreCowbell
