Cowbell

Material Event filed 2026-06-17

As I drove to work this week, a reminder popped up to tell me that I need to book in for a service. This made me think about how the insurance industry has treated cyber; you wouldn’t drive a car relying on a service certificate from 1995 to tell you if your brakes work today. […] The post Continuous Underwriting: Why “Once a Year” is Broken appeared first on Cowbell .

When a severe cyber incident strikes a large enterprise, the operational fallout often extends far beyond locked servers and compromised data. A devastating ransomware attack or network intrusion can completely disable a company’s physical headquarters – knocking offline essential communication networks, security systems, and physical access controls. In these critical moments, business continuity requires the […] The post Sustaining Operations Under Pressure appeared first on Cowbell .

For modern enterprises, data collection is the engine of efficiency. From fingerprint scanners replacing traditional time clocks to facial recognition software enhancing security, the use of biometric data is everywhere. However, this technological leap has created a massive, highly legal-sensitive privacy minefield. Strict privacy regulations, most notably the Illinois Biometric Information Privacy Act (BIPA), have […] The post Wrongful Collection, BIPA and Navigating the Privacy Minefield appeared first on Cowbell .

“Float like a butterfly, sting like a bee.” — The Greatest Muhammad Ali. Seven years after Cowbell’s inception, the industry has reached a pivotal moment. Today, I want to explore the three dimensions of AI — vector, peril, and promise — and how each is actively reshaping the Cyber, Technology E&O, and emerging AI insurance […] The post AI and Insurance: Vector, Peril, and Promise appeared first on Cowbell .

The speed of modern commerce is often taken for granted. Invoices are generated, approved, and paid in minutes. But the same processes that help a business move faster can also create opportunities for fraud. Cyber insurance conversations often focus on complex ransomware strains or sophisticated network intrusions. Yet, some of the most devastating financial losses […] The post The Power of the Pause: Why Wire Fraud is a Business Risk, Not Just a Cyber Risk appeared first on Cowbell .

When a major cyber incident occurs, the immediate focus naturally gravitates toward the technical and financial fallout. Incident response teams rush to contain the breach, while executives calculate the potential costs of system downtime, regulatory fines, and data recovery. But beneath the surface of compromised networks and lost revenue lies a profound, often overlooked reality: […] The post Mental Anguish Coverage: The Human Element of Cyber Risk appeared first on Cowbell .

Material Event filed 2026-05-27

The cybersecurity landscape is constantly evolving, but few emerging technologies pose as systemic a threat as quantum computing. While wide-scale quantum attacks capable of breaking standard encryption are not happening today, the risk is already here. Threat actors are actively deploying a “harvest now, decrypt later” strategy – stealing encrypted data today with the intent […] The post Quantum Computing Incident Coverage: Preparing for Tomorrow, Today appeared first on Cowbell .

When we think of cyber risk, the default image is often a massive data breach – millions of records exfiltrated and sold on the dark web. However, for today’s enterprise risk managers and CFOs, the threat landscape has evolved far beyond data privacy. Cyber criminals are now directly targeting complex corporate treasuries with sophisticated social […] The post Expanded Cyber Crime Loss Protection: Looking Beyond the Breach appeared first on Cowbell .

I feel it’s time to truly address the elephant in the room. Because there is a genuine fear in the market – perhaps in your own office – that AI wants to take the wheel. The goal of “insurtech” is to remove the underwriter, remove the broker, and turn risk transfer into a vending machine. […] The post Have No Fear, “Symbiotic” Underwriting is Here appeared first on Cowbell .