The Cowbell Factor™
Continuous Insight for Risk Managers
The Cowbell Factor uses inside-out data collection, a library of insurable threats, and artificial intelligence to develop a unique score that quantifies your insurance needs.
The Cowbell Factor
The Cowbell Factor is the ratings index to determine your organization’s cyber risk—and appropriate insurance coverage. The Cowbell Cyber platform guides you to select an insurance policy to match your insurable security threats. Unlike traditional methods, the Cowbell Factor applies continuous observation to map exposure and impact.
Talk to your broker about the Cowbell solution.
Expedited Quoting For Brokers
Relevant Coverage for Policyholders
Aggregated Risk Analysis For Reinsurers
1
Loss Cost
Insights from hundreds of thousands of cyber loss cases
2
Outside In
Risk signals from internet-exposed infrastructure
3
Inside Out
Your organization’s inside-out cyber security posture
4
Dark Web Intelligence
Continuous scans of the dark web for potential cyber threats
5
Business Interruption
Years of industry-specific business interruption data
6
Regulatory Compliance
Data related to NIST, CIS, CCPA, and GDPR readiness
The Unique Cowbell Approach
Response, recovery, and residual phases in the aftermath of cyberattacks shift attention to the quantification of risk. The Cowbell Factor assesses insurable threats and maps them to risk exposures, on a continuous basis, leveraging both inside-out and outside-in data sources. The result: a cyber insurance policy tailored to your risk and business needs.
Assess Exposure
Cowbell quantifies security threats—augmenting them with probability and severity of risk exposure.
SELECT COVERAGE
Using your unique Cowbell Factor, choose coverage that matches your risk exposure and risk transfer needs.
REMEDIATION GUIDANCE
While Cowbell Factor quantifies your organization’s security risk, detailed remediation guidance helps improve insurability.
OPTIMIZE PREMIUMS
Used as an early detection signal for risk transfer, your Cowbell Factor ensures your premiums cover your insurance needs.
Activate Robust Cyber Resilience
BETTER COVERAGE LIMITS
Cowbell Factor-inspired confidence in underwriting enables higher limits for appropriate coverage.
SELECTIVE RISK TRANSFER
Real-time visibility of risk exposures increases overall premium adequacy and allows ongoing coverage review.
CLOSING THE INSURABILITY GAP
Continuous innovation introduces coverage for cloud workloads, mobile threats, social engineering, and more.
