Cyber Advantage

Cowbell Factors™

Utilising internal and external data sources, a catalogue of insurable risks, and artificial intelligence to formulate risk ratings that assess your insurance requirements.

What Are Cowbell Factors?

Every Cowbell Factor is a rating index that contributes to the assessment of your organisation’s cyber risk and, consequently, appropriate insurance coverage. The Cowbell Cyber platform assists you in selecting an insurance policy to align with your insurable security threats. Unlike conventional methods, Cowbell Factors utilise continuous monitoring to chart exposure and impact.

Network Security

Measures the strength of the organisation’s network infrastructure and whether security best practices are deployed – encryption, secure protocols, patching frequency. This factor also checks for vulnerabilities, malware, and misconfigurations.

Cloud Security

Measures the strength of an organisation’s cloud security based on footprint on commonly used public clouds (AWS, Azure, GCP, etc), security configuration, and alignment to security best practices.

Endpoint Security

Measures endpoint preparedness (servers, mobile devices, IoT endpoints) towards cyberattacks. This factor incorporates the number of endpoints as well as the level of security hygiene applied to them.

Dark Intelligence

Measures an organisation’s exposure to the darknet, taking into account the type and volume of data exposed and its value for criminal activity (examples: stolen credentials, PII).

Funds Transfer

Tracks risk markers related to the compromise of emails that commonly leads to nefarious activities such as fraudulent funds transfers.

Cyber Extortion

Measures an organisation’s potential exposure to extortion-related attacks such as ransomware.


Measures an organisation’s level of compliance to security standards such as CIS (Center of Internet Security) benchmarks, NIST CSF (Cyber Security Framework), CSC-20 (Critical Security Controls), HIPAA, PCI, EU GDPR, and CCPA.

Supply Chain

Measures an organisation’s susceptibility to software supply chain incidents. This factor is compiled from technographic and firmographic data, web scraping information, and public vulnerability repositories.

How It Works

Cowbell employs artificial intelligence and machine learning algorithms to standardise collected signals, model risks, and compile Cowbell Factors using over 1000 data points and risk signals from various sources.

Loss Cost

Insights from hundreds of thousands of cyber loss cases


Risk signals from internet-facing infrastructure


Your organisation’s inside-out cybersecurity posture

Dark Web Intelligence

Scans of the dark web for potential cyber threats

Business Interruption

Years of industry-specific business interruption data

Regulatory Compliance

Data related to NIST, PCI DSS, CIS, CCPA, and GDPR readiness

Risk signals per account


of SMEs in our risk pool

SMEs monitored

Going Deeper with Cowbell Connectors

Cowbell Cyber can offer a more comprehensive evaluation of your cyber risks when connectors to service providers or security vendors are activated. Activating connectors provides further opportunities to enhance your risk ratings and avail of a premium credit. Feel free to request an up-to-date list as new connectors are added on a monthly basis.

Benchmark Your Cyber Risk