The Cowbell claims approach
- Immediate access to leading breach counsel, forensic investigators, and recovery specialists.
- Competitive rates pre-negotiated with best-in-class vendors.
- A clear process led by our in-house claims team, who respond with speed, empathy, and precision.
The numbers don't lie
65% reduction of ransom demands
through negotiations with the threat actors.
90+ years
of relevant experience within our in-house claims team
1 hour
time of initial acknowledgement after an incident is reported.
Want to learn more? Download our 2026 Cyber Roundup Claims Report
Incident response panel
We work with best-in-class vendors and engage in cross-border/international incident handling so policyholders can access world-leading expertise without unexpected costs during a crisis.
Quiet confidence for every line of business
Energy
The policyholder received an email from what appeared to be a regular supplier, advising that the supplier’s bank details had changed. After confirming the details, the policyholder processed payment for an outstanding invoice. Later that day, the legitimate supplier reported that its bank account information had not changed.
The Cowbell and Incident Response teams helped recover 80% of the fraudulently transferred funds. Cowbell then provided coverage for the remaining unrecoverable loss.
Professional Services
The policyholder’s firewall vendor issued an alert that an unfamiliar IP address had accessed the company’s network. Soon after, systems were encrypted, and a ransom note from a known threat actor appeared, demanding $1.5 million in exchange for decryption keys and the safe return of client data.
Cowbell worked with specialized ransom negotiators who successfully reduced the ransom demand by nearly 70%. The company restored its data and systems from backups, minimizing business interruption and avoiding significant reputational harm.
Construction
The policyholder received an email that appeared to come from its regular parts supplier, stating that they had changed its payment process. The policyholder confirmed that the contact details and branding looked legitimate, and processed a $35,000 wire transfer. A few weeks later, the real supplier contacted the policyholder to ask about the unpaid invoice.
With Cowbell’s quick response and coordination with trusted vendors, the policyholder’s systems were confirmed secure. When the fraudulently transferred funds could not be recovered by the bank, Cowbell reimbursed the loss under the terms of the policy.
Healthcare
A nurse arrived at the office early one morning to find ransom notes printed from the company’s printer by a threat actor group claiming to have encrypted the organization’s systems. The note demanded $500,000 in Bitcoin to unlock access to patient records and other critical data.
Thanks to Cowbell’s prompt coordination and the policyholder’s proactive use of data backups, the business was able to restore its systems quickly and minimize business interruption.
Are you experiencing a cyber event?
Even if you arenʼt certain you have a claim at hand, we are happy to assist you – no matter the outcome.
What we will need first
Company info
Your policy number or company name will help us find your account quicker.
Date of incident
When did you notice that something was wrong? What exactly happened? Every detail matters here.
Point of contact
Who will we be working with? Identify an employee who will be our main point of contact until the claim is resolved.
We're not just here during a claim
Do you have questions about the claims experience, coverages, scenarios, or our pre- and post-claim services? Don’t hesitate to reach out to the Claims team.
