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Claims & Incident Response services

Expert support when it matters most

A cyber incident can bring uncertainty, stress, and disruption. Fortunately, our in-house claims specialists and vetted panel of incident response experts work together and are available to you 24/7/365 to minimise impact and guide recovery, so you can focus on getting back to business.

Report a claim

The Cowbell
claims approach

When every minute counts, you need more than coverage. You need:
  • 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

67% of ransom payments avoided

due to data recovery from our forensics team

95% of claims resolved

at no added cost to policyholders

60+ years

of combined relevant experience within our claims team

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

Wholesale

A threat actor compromises a warehouse manager’s credentials and gains access to the company’s ERP platform. They interrupt order fulfilment workflows by encrypting files and altering shipment data. Simultaneously, spoofed supplier emails are sent requesting changes to bank details for future payments.

Cowbell activates its claims and incident response teams to contain the treat, advise on legal obligations, and support recovery.

Read the full claims scenario

Not-for-profits

An attacker impersonates the finance director and request a bank change for an upcoming £30,000 grant disbursement. Simultaneously, ransomware disables access to the charity’s donor database and event registration platform.

The Cowbell claims team and incident response panel recover the loss caused by the fraudulent funds transfer, respond to lost income from interrupted fundraising or delayed grant funding, and help the charity maintain trust through clear public messaging and donor reassurance.

Read the full claims scenario

Public sector

A council’s housing benefits portal is disabled by a coordinated DDoS attack, cutting off access for thousands of residents. Days later, ransomware spreads through the network, encrypting shared files and preventing access to key operational systems. The incident attracts media attention. There are early signs that personal data may have been accessed.

Cowbell connects the council with experienced PR specialists to handle media interest, stakeholder updates, and reassure citizens, while also covering Emergency IT support and overtime staffing, costs for temporary systems or communications platforms, and any covered business interruption or ransom-related response costs.

Read the full claims scenario

Contractors

An attacker encrypts the firm’s platforms. Site drawings and RAMS are unavailable, access cards fail to provision, and crane/plant hires can’t be confirmed. The client threatens penalties for missed milestones.

The Cowbell Claims team immediately activates DFIR and the breach counsel to restore project files and site access, and advise on any contractual and notification issues. Additionally, we quantify delay costs and reimburse extra expenses such as overtime and short-term IT workarounds, while our PR vendor support to manage employer/PC expectations, extension-of-time messaging, and subcontractor coordination.

Read the full claims scenario

Experiencing an incident?

Even if you arenĘĽt certain you have a claim at hand, we are happy to assist you – no matter the outcome.

Report a claim