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 .

Artificial Intelligence is fundamentally transforming how large enterprises operate, but it is also arming threat actors with highly scalable, cost-effective tools. From AI-powered social engineering and deepfakes to prompt injection and data poisoning, the risks are no longer theoretical. However, the insurance market’s response to these emerging threats has created a paradox. While the risks […] The post Affirmative AI Incident Coverage: Clearing the Confusion appeared first on Cowbell .

Quarterly Report filed 2026-04-29

Throughout my career in the insurance industry – from underwriting and building specialized programs, to managing portfolios at Markel – I’ve seen firsthand how the market responds to evolving risks. The one constant I’ve learned is that successfully scaling an insurance product isn’t simply about offering higher limits. It requires a fundamental understanding of the […] The post Scaling Protection for the Modern Enterprise appeared first on Cowbell .

Material Event filed 2026-04-28

Material Event filed 2026-04-27

Some cyber risks unfold over a much longer period than a typical incident. Quantum computing is one of them. At scale, quantum systems have the potential to break widely used encryption methods. That level of capability is not in active use today, but the risk is already present in how data is being collected and […] The post Looking Ahead: Quantum Risk in Cyber Insurance appeared first on Cowbell .

Material Event filed 2026-04-13

Artificial intelligence is already reshaping how cyber incidents take place. It’s making attacks faster to create and easier to scale. Social engineering is more convincing. Fraud is more targeted. Techniques like prompt injection—where inputs are designed to influence how an AI system behaves—and data tampering are starting to show up in real environments. For brokers […] The post AI is changing cyber risk. Coverage needs to keep up. appeared first on Cowbell .

Within Insurance, “speed” is usually discussed in terms of workflow. Can we get the slip signed before the weekend? Can we bind before the 1st of the month? It is seen as an administrative convenience. In my world though, speed is seen differently. I view it as a security feature. When I speak to brokers, […] The post Survival of the Quickest: Why Speedy Quoting is a Defense Mechanism, Not Just a KPI appeared first on Cowbell .