INSURANCE CARRIER
Cowbell Cyber Insurance
Cowbell is a cyber-liability specialist using AI and continuous risk assessment to underwrite cyber insurance for small and mid-market businesses.
Commercial Lines
- File a claim 833-633-8666 · 24/7 cyber incident hotline
- Online Account & claims portal
- After hoursCyber claims: 1-833-633-8866 anytime. Incident response team available immediately.
A note on availability: We are not currently placing new business with this carrier in Alabama. A free coverage review can confirm which carriers we can place coverage with for your situation.
Coverage Focus
What this carrier writes
Overview
About This Carrier
Cowbell is a cyber-liability specialist using AI and continuous risk assessment to underwrite cyber insurance for small and mid-market businesses. Their underwriting platform continuously scans for vulnerabilities and adjusts risk scoring in real time. Coverage includes first-party and third-party cyber, with competitive pricing for SMB cyber that often beats traditional carriers.
Strengths
What This Carrier Does Well
AI-driven underwriting produces quick quotes and rewards businesses with strong security posture through lower premiums
Continuous risk assessment adjusts your profile in real time based on observable security improvements
Continuous risk assessment adjusts your profile in real time based on observable security improvements
Limitations to Know
Where They Fall Short
Cyber-only; does not bundle with business packages or other commercial lines
Cyber-only; does not bundle with business packages or other commercial lines
Right Fit
Who They Are Best For
Best Fit For
Small and mid-size businesses needing standalone cyber liability with fast digital underwriting.
Not a Good Fit For
Large enterprises with complex cyber risk programs or businesses with poor security hygiene. Cowbell's underwriting standards exclude the highest-risk cyber profiles, making coverage unavailable for those unable to meet policy limits tied to their risk posture.
Appetite & Coverage
What They Write
- Line of Business
- Commercial Lines
- Coverage Types
- Cyber liability for small to mid-market businesses
- Carrier's Licensed States
- GA and most US states
- Commercial Lines States
- GA and most US states
- BOP Appetite
- Not a business package carrier; cyber-only
- Industry Classes
- Technology, professional services, retail, e-commerce, small healthcare practices, manufacturing, nonprofits
Pricing & Claims
What to Expect
Best Pricing For
Small business cyber where strong security posture (MFA, endpoint protection, backups) drives lower premiums. Often beats traditional carriers on price for low-risk profiles in tech, e-commerce, and professional services.
Pricing Context
Cowbell is competitive for SMB cyber liability, with pricing that tends to be accessible for smaller accounts that larger cyber markets price too high or require too much underwriting data to bind.
Claims Experience
Purpose-built cyber claims process with breach coach, forensics, and ransomware negotiation resources. Schedule a coverage review to discuss whether Cowbell's claims support fits your business. Admitted Status: Admitted carrier for cyber liability Olive Cover, the brand of Olive Insurance Services, LLC, is your independent insurance agent. We help you file your claim and advocate on your behalf. Coverage decisions on any claim are made by your insurance carrier under the terms of your policy.
Admitted Status: Admitted carrier for cyber liability
Olive Cover, the brand of Olive Insurance Services, LLC, is your independent insurance agent. We help you file your claim and advocate on your behalf. Coverage decisions on any claim are made by your insurance carrier under the terms of your policy.
Quick Facts