Cowbell

“Agent” has become a label for almost anything an LLM touches. A saved prompt is an agent. A chatbot with a connector is an agent. A coding loop that runs overnight is an agent. So is a production harness that can plan, act, verify its work, recover from failure, and operate under real business controls. […] The post Not All AI Agents Are Made Equal appeared first on Cowbell .

Material Event filed 2026-07-28

Quarterly Report filed 2026-07-28

How continuous telemetry across AI observability, autonomy, and governance can give brokers and underwriters greater clarity Every major technology shift has forced the insurance industry to rethink how risk is measured. The internet created cyber risk. Cloud computing transformed infrastructure. Now artificial intelligence is changing decision-making itself. Organizations of every size are deploying AI across […] The post Introducing AI Cowbell Factors™: A New Standard for Measuring Enterprise AI Risk appeared first on Cowbell .

Material Event filed 2026-07-09

Throughout the industry, the fear isn’t just that AI will replace the broker. There’s a genuine argument to say that AI will also make every broker sound the same. Because if everyone uses the same algorithm, then where’s the differentiation? Where does your specific expertise – the niche knowledge you’ve built over 20 years in […] The post Be the Pilot, Not Just the Passenger appeared first on Cowbell .

A locked account. A routine help desk call. A password reset that appeared to follow the process. Then $24 million in insurance payments went to the wrong account. In this episode of Behind the Breach, host Amber Wuollet follows an anonymized healthcare scenario involving a large organization where a threat actor gains access through a […] The post Behind the Breach, Episode 3: The Help Desk Call That Cost $24 Million appeared first on Cowbell .

When we discuss cyber insurance, the conversation almost instinctively defaults to compromised data, network outages, and privacy liabilities. However, for U.S. brokers advising the manufacturing, retail, and logistics sectors, that narrative is dangerously incomplete. In these asset-heavy industries, the line between IT (Information Technology) and OT (Operational Technology) has vanished. Today, a cyber attack can […] The post When Digital Threats Have Physical Consequences appeared first on 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 .