# Cowbell

> The Sound Approach to Risk

## At a glance

| Field | Value |
| --- | --- |
| Type | MGA |
| Region | NA |
| Headquarters | Pleasanton, California |
| Founded | 2019 |
| Stage | Growth |
| Employees | 201-500 |

## 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

## Links

- Website: <https://cowbell.insure>
- Directory profile: <https://insurtechlist.com/companies/cowbell/>
- Blog: <https://cowbell.insure/blog/>
- Careers: <https://cowbell.insure/careers/>
- Linkedin: <https://www.linkedin.com/company/cowbell-cyber>
- Press/news: <https://cowbell.insure/news-events/>

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*Last updated: 2026\-03\-25*