For modern enterprises, data collection is the engine of efficiency. From fingerprint scanners replacing traditional time clocks to facial recognition software enhancing security, the use of...
Market Trends Posts
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...
Mental Anguish Coverage: The Human Element of Cyber Risk
When a major cyber incident occurs, the immediate focus naturally gravitates toward the technical and financial fallout. Incident response teams rush to contain the breach, while executives...
Quantum Computing Incident Coverage: Preparing for Tomorrow, Today
The cybersecurity landscape is constantly evolving, but few emerging technologies pose as systemic a threat as quantum computing. While wide-scale quantum attacks capable of breaking standard...
Expanded Cyber Crime Loss Protection: Looking Beyond the Breach
When we think of cyber risk, the default image is often a massive data breach - millions of records exfiltrated and sold on the dark web. However, for today's enterprise risk managers and CFOs, the...
Affirmative AI Incident Coverage: Clearing the Confusion
Artificial Intelligence is fundamentally transforming how large enterprises operate, but it is also arming threat actors with highly scalable, cost-effective tools. From AI-powered social...
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...
AI is changing cyber risk. Coverage needs to keep up.
Artificial intelligence is already reshaping how cyber incidents take place. It’s making attacks faster to create and easier to scale. Social engineering is more convincing. Fraud is more targeted....
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...
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...
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