Overview
Cowbell is the pioneer of Adaptive Cyber Insurance, providing AI-powered cyber insurance solutions primarily for small and medium-sized enterprises. Founded in January 2019 by Jack Kudale, the company emerged from stealth in September 2019. Cowbell's unique approach uses AI-based continuous underwriting powered by Cowbell Factors to compress insurance processes from submission to issue in under 5 minutes.
The company serves nearly 30,000 SME policyholders through 9,000+ agency partners and operates across all 50 US states, DC, the UK, and Australia. Cowbell has its own carrier subsidiary (Cowbell Specialty Insurance Company) and reinsurance captive (Cowbell Re). The company ranked #13 on the 2024 Inc. 5000 and #1 in insurance.
Products & Services
Cowbell Prime 100
Standalone cyber insurance for SMEs with up to $250M in revenue (admitted).
Key Features
- Standalone cyber coverage
- Admitted product
- Revenue up to $250M
Target Users: Small and medium-sized enterprises
Distribution: Retail and wholesale agents
Cowbell Prime 250
Expanded cyber insurance with 25 coverages in 3 packages for mid-market businesses.
Key Features
- 25 coverages across 3 packages
- Expanded limits
- Mid-market focus
Target Users: Mid-market businesses
Distribution: Retail and wholesale agents
Cowbell Prime 1000
Cyber insurance for larger businesses with up to $1B in revenue.
Key Features
- High-limit cyber coverage
- Enterprise-grade protection
- Revenue up to $1B
Target Users: Businesses up to $1B revenue
Distribution: Wholesale and retail agents
Cowbell Prime One
Standalone cyber insurance designed for SMEs in the UK and Australian markets.
Key Features
- Localized cyber coverage
- International regulatory compliance
- SME-focused
Target Users: UK and Australian SMEs
Distribution: Local agent networks
Prime Tech
Tech E&O coverage with GenAI-powered underwriting via Cowbell Co-Pilot.
Key Features
- Technology errors and omissions
- GenAI-powered underwriting
- Cowbell Co-Pilot integration
Target Users: Technology companies
Distribution: Retail and wholesale agents
Zurich Select Plus
Co-branded management liability product developed in partnership with Zurich North America.
Key Features
- Directors & Officers (D&O)
- Employment Practices Liability (EPL)
- Fiduciary Liability
- Crime
Target Users: SMEs requiring management liability coverage
Distribution: Retail and wholesale agents
Cowbell Resiliency Services (CRS)
Cybersecurity services suite to help policyholders improve their security posture.
Key Features
- Identity AI
- Managed detection and response
- Security awareness training
Target Users: Cowbell policyholders
Distribution: Bundled with Cowbell policies
At a Glance
- Founded
- 2019
- Headquarters
- Pleasanton, California
- Employees
- 201-500
Category & Focus
Links
Last updated: 2026-03-25