“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 industry.
Dual Breakthrough
Powered by agentic automation, Cowbell is now the first insurance provider to offer cyber, professional indemnity, and management liability coverage through both a fully integrated API and a proprietary email submissions platform. This dual-channel innovation sets a new standard for digital distribution across commercial P&C lines.
Since its inception, Cowbell has enabled its producer network to quote, bind, and issue cyber coverage in minutes via our vertically integrated platform. Today, the method of submission—API or email—is no longer a limitation. Our technology ensures a seamless path forward for underwriters, agents, and insureds alike.
As our user community nears 100,000 globally, we’re deepening our reach into the resilient SME risk pool across North America, Europe, and Asia Pacific. Platform deployments across our three regional hubs—US-West, EU-West, and AP-Southeast—have positioned us to swiftly enter new markets and scale our product suite.
With operating leverage in sight, our first-half performance represents a defining milestone in Cowbell’s global growth trajectory.
Seismic Shift
Driving this transformation is Cowbell’s Prime X framework—an AI-powered underwriting engine that streamlines complex workflows. Central to this evolution is our proprietary agentic email automation platform, which uses large language model (LLM) agents to revolutionize submission handling.
The platform automates intake by extracting, enriching, and validating data from emails, attachments, and even images. Leveraging a proprietary database of over 50 million businesses, it integrates firmographic and technographic intelligence to build high-fidelity risk profiles. This results in dramatically faster and more accurate processing, freeing underwriters to focus on high-impact decision-making.
By combining LLM-powered data extraction with real-time validation and intelligent escalation, Cowbell has removed traditional friction points, enabling underwriting teams to operate at the speed of trust.
Management Liability
In partnership with Zurich Insurance Group, we recently launched Zurich Select Plus, a co-branded, multi-line suite that builds on our success in Cyber and Tech E&O. This new offering expands our portfolio to include four key management liability coverages: Private D&O, Employment Practices Liability (EPL), Crime, and Fiduciary Liability.
Zurich Select Plus pairs Zurich’s financial strength and claims expertise with Cowbell’s technology-driven underwriting platform. The result is a streamlined experience that delivers adaptive underwriting, simplified workflows, and rapid quote-to-bind capabilities.
Initially available to select wholesale partners via API and email submissions, Zurich Select Plus will soon be accessible across our full producer network nationwide.
Cyber Resilience
The Cowbell Resiliency Services (CRS) suite continues to expand, now including cybersecurity awareness training, penetration testing, managed detection and response (MDR), SOC 2 compliance support, and our newly launched incident response service.
Delivered in partnership with leading cybersecurity experts, these white-labeled services help policyholders implement a “shift left” approach—embedding security earlier in their operations to close the gap between technical controls and insurance coverage.
Fully integrated into the Cowbell platform and driven by the Cowbell Risk Framework (CRF), CRS enables SMEs to manage cyber risk through continuous, closed-loop engagement.
The Sound Approach
As cybercrime becomes the third-largest economy globally, trailing only the U.S. and China, organizations are becoming increasingly exposed to digital supply chain threats. At the same time, emerging technologies like agentic AI and quantum encryption are challenging long-standing underwriting assumptions. In a world shaped by the systems that support us, businesses need to feel confident and secure—not just in moments of crisis, but in the quiet certainty of knowing they’re protected.
In this environment, the need for a unified, global approach to commercial insurance has never been greater. Addressing today’s dynamic risk landscape demands more than vigilance; it calls for integrated risk intelligence, seamless distribution, and forward-looking underwriting strategies that evolve at the pace of innovation. Rather than being defined by dangerous distractions, we believe organizations can move forward with focus, strength, and clarity.
At Cowbell, we call this The Sound Approach to Risk: a commitment to intelligently bridging insurance and cybersecurity, unifying traditionally siloed lines, and advancing risk resilience through innovation and scale. It’s how we make cybersecurity manageable, cyber insurance nimble, and confidence in protection attainable. Because strength doesn’t have to shout—it hums beneath the surface, steady and sure. Quiet until it needs to be heard. This is Cowbell.
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