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.

Insure with Confidence

Activate Robust Cyber Resilience

Cowbell overcomes the challenges of traditional cyber insurance: the correlated nature of security breach risks, the imperfect ability to prove loss to an insurer, and the inability to observe cyber self-protection efforts.

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.

Apply the Cowbell Factor to Your Business