Adaptive Cyber Insurance

Cowbell Prime One

A standalone cyber insurance programme available nationwide for businesses with annual turnover up to £1bn.

Why Cowbell Prime 250

Why Cowbell Prime One

Cowbell Prime One brings clarity to cyber insurance policies and superior protection.


Written on “A+” and “A” rated paper, backed by a panel of top global reinsurers.


A portfolio of coverages dedicated to cyber that addresses today’s cyber threats – not just data breaches.


The ability to customise policies to match the unique risk exposures of every business.

What’s Unique About Prime One


Preset industry-specific packages with multiple limit options issued within minutes.


Cowbell Factors continuously quantify cyber risks and provide industry-peer benchmarking.


Cowbell Insights continuously update risk recommendations so that policyholders can proactively remediate identified exposures.


Placing cyber liability risk shouldn’t be overwhelming. At Cowbell, we’ve simplified the process and developed a product that can be tailored to the unique needs of your clients.

What Are Cowbell Factors?

Every Cowbell Factor is a rating index that contributes to the evaluation of your organisation’s cyber risk and, therefore, appropriate insurance coverage. The Cowbell Cyber platform guides you to select an insurance policy to match your insurable security threats. Unlike traditional methods, Cowbell Factors apply continuous observation to map 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 lead 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.

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