Common vulnerabilities
Ransomware
disrupting warehouse management or logistics platforms
Business Email Compromise (BEC)
used to hijack supplier payments
Supply chain attacks
via third-party software vulnerabilities
Credential compromise
impacting EDI systems or logistics portals
Outdated legacy systems
with poor segmentation or MFA gaps
Realistic incident scenario
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. Order backlogs form quickly. Deliveries to major retail partners are delayed. Payment processing is frozen while finance teams verify transaction histories. The business faces both revenue loss and reputational risk with key accounts.
How Cowbell can help
Cowbell activates its 24/7 UK-based claims team, engaging DFIR experts to contain the threat and verify if sensitive data was accessed. Breach counsel is appointed to advise on legal obligations particularly around supplier notification and payment fraud recovery.
Business Interruption Support:
Our policy provides cover for the interruption to warehouse and distribution systems including lost income and extra expenses like temporary staffing or system re-routing.
Funds Transfer Fraud:
If payment redirection occurred, Cowbell supports recovery efforts and covers losses under Funds Transfer Fraud provisions (subject to policy terms).
Third-Party & Contractual Support:
In cases where missed deliveries lead to customer penalties, Cowbell assists in handling legal response and exploring cover under Security Breach Liability if data was impacted.
Post-Incident Hardening:
Following containment, Cowbell supports security improvements like credential management, segmentation audits, and vendor risk controls helping prevent recurrence.
Why a cyber policy with Cowbell matters for distributors
Pre-breach support
Risk engineering consultations and access to Cowbell’s cyber risk tools
Rapid vendor deployment
Forensics, legal, comms, and ransom experts on call
BI and fraud cover
Tailored for tech-reliant operations like wholesale distribution
Coverage for third-party claims
When partners are affected, you’re still protected
Ongoing resilience
Panel experts help you strengthen systems after recovery
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?
