Cowbell

Cowbell is an adaptive cyber insurance carrier founded in 2019 and headquartered in Pleasanton, California, providing cyber liability, professional indemnity, and management liability coverage to small and mid-sized businesses. The company uses AI-assisted underwriting powered by its proprietary Cowbell Factors risk scoring — benchmarked against millions of accounts — to deliver tailored, API-driven policies that reflect each organization's unique cyber risk profile. Cowbell's closed-loop approach integrates continuous risk assessment, rapid claims response, and resiliency services including managed detection, penetration testing, and compliance tools to help businesses improve their security posture over time.