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Protect your clients with on of the most proactive cyber insurance solutions available.

Risk Engineering

Insure with Confidence

Cowbell overcomes the challenges of traditional cyber insurance: the tendency for the nature of cyber to become complex, the imperfect ability to correlate loss and incidents and the inability to observe cyber self-protection efforts.


Better Coverage Limits

Cowbell Factors™ inspire confidence in underwriting and enable higher limits for appropriate coverage.

Risk Transfer

Selective Risk Transfer

Real-time visibility of risk exposures increases overall premium adequacy and allows for ongoing coverage review.


Closing the Insurability Gap

Continuous innovation introduces coverage for supply chain-related incidents, cloud workloads, mobile threats, insider threats and more.

Prime 100 Coverage Options

Incident Response Plan and Other Resources with Every Policy

Being prepared to respond to a cyber incident is as important as deploying the best cybersecurity tools and security best practices. To help you share the benefits of Cowbell’s Adaptive Cyber Insurance program with your clients, we are making available our Incident response plan and generative AI policy templates.

Incident Response Plan

New Research Calls for ‘Less Fear and More Action’ from SMEs

While AI advancements continue to escalate both the complexity and spread of cyberattacks, the survey – commissioned by Cowbell – revealed a cavalier approach from UK leaders to the consequences:

  • 77% of UK SMEs do not have any in-house security
  • 32% of CEOs were confident a cyberattack would not impact their ability to do business
  • 1 in ten (10%) of all business leaders said they do not need to improve their position regarding cyber risk
  • 87% or respondents did not consider reputational damage as a significant risk to business

Data breaches cost UK businesses an average of £3.2m last year – with the UK being the sixth most expensive country for data breaches in the world. This is in addition to the Government’s latest Cybersecurity Breaches Survey, showing 59% of medium businesses experienced breaches or attacks in the last 12 months.

Despite these statistics – and GCHQ’s National Cyber Security Centre warning that global ransomware threats are expected to rise with AI – complacency among SMEs was seen across the leadership bench, with only 20% of CHROs, 22% of Director roles and 28% of CEOs considering cyber threats to be their biggest risk. Worryingly, the risk of cyber threats almost fell off the CFOs’ radar, who ranked it second to last out of 14 possible threats, with only 8% considering it their biggest risk.

Alongside a trend for underestimating the current cyber climate, the survey also highlighted confusion around first responses in the event of a cyber breach; nearly 1 in ten (8%) CEOs said that they would engage with the threat actor directly.

Rather than notifying their insurance provider, over half of all respondents (52%) said their first course of action would be to notify the IT team should a breach occur.

When respondents were asked about the ‘first action they would take following a data breach’, a clear lack of unified response across the C-suite was evident:

  • CEOs: 10% said they would notify regulators, while 10% said they’d contact the in-house tech team
  • CFOs: 17% would notify the in-house tech team, 10% would inform clients/customers and  10% would notify the finance team
  • HR Directors: 24% felt they should notify the in-house finance team first
  • Senior marketers: 31% thought they should first inform their tech team, while 25% said they’d notify their insurance provider

Read the Press Release

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cyber events avoided

incident response plans downloaded