How continuous telemetry across AI observability, autonomy, and governance can give brokers and underwriters greater clarity Every major technology shift has forced the insurance industry to rethink...
Founders’ Corner Posts
Be the Pilot, Not Just the Passenger
Throughout the industry, the fear isn't just that AI will replace the broker. There’s a genuine argument to say that AI will also make every broker sound the same. Because if everyone uses the same...
Continuous Underwriting: Why “Once a Year” is Broken
As I drove to work this week, a reminder popped up to tell me that I need to book in for a service. This made me think about how the insurance industry has treated cyber; you wouldn't drive a car...
AI and Insurance: Vector, Peril, and Promise
"Float like a butterfly, sting like a bee." — The Greatest Muhammad Ali. Seven years after Cowbell’s inception, the industry has reached a pivotal moment. Today, I want to explore the three...
Have No Fear, “Symbiotic” Underwriting is Here
I feel it’s time to truly address the elephant in the room. Because there is a genuine fear in the market - perhaps in your own office - that AI wants to take the wheel. The goal of "insurtech" is...
Scaling Protection for the Modern Enterprise
Throughout my career in the insurance industry - from underwriting and building specialized programs, to managing portfolios at Markel - I’ve seen firsthand how the market responds to evolving...
Survival of the Quickest: Why Speedy Quoting is a Defense Mechanism, Not Just a KPI
Within Insurance, "speed" is usually discussed in terms of workflow. Can we get the slip signed before the weekend? Can we bind before the 1st of the month? It is seen as an administrative...
The Sound Approach to AI Risk Insurance
“He who is not courageous enough will accomplish nothing in life." - Muhammad Ali. The business world is moving at breakneck speed, and Artificial Intelligence is sitting right in the...
Ending the Black Box: Why “Risk Scores” Are the New Currency of Trust
For decades, the Insurance Market has run on a simple, unspoken agreement: you give us the risk data, we give you a premium. How we got from point A to point B was often a mystery - a "black box"...
CyberLine Quarterly: Resonance in Cyber Insurance
“It’s the repetition of affirmations that leads to belief. And once that belief becomes a deep conviction, things begin to happen.” - The Greatest Muhammad Ali The 2030 Horizon: Socio-economic...
Cowbell Blog
Deepen your understanding of cyber risk with insights that make cyber insurance and cybersecurity clearer, smarter, and easier to navigate.
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