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Cowbell Cyber business insurance review

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This AI-powered platform pinpoints your business’s risk and monitors threats in real time.

  • Get a quote if you’re in the market for wide cyber protection.
  • Pick something else if you’re weary of working with startups.
  • Best for small to medium-sized businesses.


Available states

Workers' comp

General liability

Product liability

What business insurance coverage does Cowbell Cyber offer?

Fintech startup Cowbell Cyber launched Cowbell Prime 100 — a platform that issues $1 million to $5 million in cyber insurance coverage. This cyber-focused policy includes coverage for:

  • Security breaches. Pay expenses for reaching out to the people affected, recovering lost information and repairing the damage.
  • Cyber liability. Repair the harm your business’s cyber attack caused to other people, such as customers or employees.
  • Public relations. Restore your reputation by hiring a public relations professional using this coverage.
  • Social engineering. This cyber policy helps in cases where criminals disguise themselves or otherwise deceive someone into giving out sensitive information.
  • Account transfer fraud. Offers protection for when criminals steer a money transfer into a fake account, stealing the funds.
  • Phone fraud. After a breach, criminals might use the business’s phone number to make unauthorized calls or transactions. This policy pays for the expense of fighting this kind of fraud.
  • Ransom and extortion. Cowbell Cyber pays the ransom or helps meet the demands of criminals to regain lost information if it’s deemed the best way to deal with the situation.
  • Data recovery. Cover the cost of restoring lost business or customer information after a breach.
  • Hardware replacement. Replace corrupt hardware and systems for a clean slate after an attack.
  • After-breach repairs. Pay for your security firm’s work in patching up system flaws, preventing the same attack from happening in the future.
  • Lost business income. Keep a steady flow of income even though your business revenue might be affected by the attack.

How does Cowbell Cyber insurance work?

Cowbell Prime 100 uses artificial intelligence to figure out your business’s cyber risk in real time. It then pairs your business with the policy that matches your risk level. By doing away with paperwork and complicated applications, this policy lets businesses buy coverage within minutes.

The platform consistently monitors risks to a company’s cybersecurity and flags any threats that could lead to financial losses. It also allows businesses to adjust coverage as its needs evolve.

The startup relies on its Cowbell Factors, a system that pinpoints risks using a score of 100, and considers your business’s cloud, compliance and network security.

Cowbell Prime 100 premiums start at $1,100 annually for a $1 million policy.

What factors does Cowbell’s system use to determine my business’s risk?

Cowbell sets your risk level based on information such as:

  • The past cost of cyber attacks
  • Years of data about your industry’s risk
  • Analyzing weaknesses in your systems
  • Your compliance with business regulations
  • Ongoing scans of current cyber threats

How Cyber Prime 100 stands out: CEO Jack Kudale

“Our simplified insurance application process with expedited quote and bind process, along with our ability to offer tailored coverage with visibility into threats and risk exposure, all contribute to a better SMB client experience,” Founder and CEO Jack Kudale said when announcing the new product.

“Everybody benefits from real-time risk insights flowing seamlessly across stakeholders. With Cowbell Prime 100, agents can now serve their clients tailored cyber coverage, faster,” Kudale said.

Where can I get business insurance from Cowbell Cybers?

Cowbell Insurance Agency is licensed in these 30 states:

  • Alabama
  • Arkansas
  • Arizona
  • California
  • Colorado
  • Connecticut
  • Georgia
  • Iowa
  • Illinois
  • Indiana
  • Massachusetts
  • Maryland
  • Michigan
  • Minnesota
  • Missouri
  • North Carolina
  • Nebraska
  • New Jersey
  • Nevada
  • Ohio
  • Oregon
  • Pennsylvania
  • South Carolina
  • South Dakota
  • Tennessee
  • Texas
  • Utah
  • Virginia
  • Washington
  • Wisconsin

Pros and cons of Cowbell Cyber


  • Wide cyber protection. Some business policies only cover a few risks or limit coverage to around $1 million. Cowbell Cyber’s policy covers up to $5 million for many types of attacks.
  • Coverage is set with a broker’s help. While AI identifies your company’s risks, a personal broker helps you navigate the best coverage and strategies for your risk profile.
  • Your risk is assessed in minutes. Both potential customers and non-policyholders can sign up for a free assessment of a business’s cyber risk.
  • Ongoing cyber monitoring. The AI-powered platform helps your business see its risks on demand, helping you cover system weaknesses efficiently.


  • No other insurance policies offered. You’ll need to choose another insurance company for other business protection.
  • Not available nationwide. Cowbell Cyber is licensed in 30 states, disqualifying many businesses from using its policy.
  • Less experienced than competitors. The company is a startup that’s been in the industry for about a year. Some business owners might prefer a more established company to back their cyber insurance claims.

Cowbell Cyber business insurance reviews and complaints

Because of Cowbell Cyber’s startup status, you won’t find many customer reviews or complaints online. The company isn’t accredited by the Better Business Bureau and doesn’t hold accounts on reputable review sites like Trustpilot just yet.

Cowbell does have AM Best A-rated financial backers, namely Boost Insurance, Markel Global Reinsurance Company, Renaissance Re Holdings and Nephila Capital.

How to contact Cowbell Cyber

You can reach out to Cowbell Cyber with your questions in a variety of ways, like:

  • Phone. Get in touch by calling customer service at 800-6338-666.
  • Email. Prefer online communication? Shoot an email to
  • Online message. Use the company’s message form on its contact tab.
  • Mail. Send any physical letters to its main office at:
    Cowbell Cyber, Inc.
    Pleasanton Office:
    6800 Koll Center Pkwy.
    Suite 210
    Pleasanton, CA 94566

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Frequently asked questions about Cowbell Cyber insurance

Expert review

Sarah George

Review by

Sarah George is a writer at Finder who unravels complicated topics about insurance, business and finance. She's been wordsmithing for nearly five years, after earning an English education degree. Her insurance know-how has been featured on You can usually find Sarah sipping hot tea and talking through movie plots in her downtime.

Expert review

Cowbell Cyber’s policy harnesses the power of technology to help small or middle-sized businesses stay protected against Internet and computer system attacks. Its business model means you can see your cyber risk level at any point and stay on top of any weaknesses your business has.

But this company is still in its beginning seedling stages. So you’ll have to be comfortable with the blend of modern innovation and lack of experience that this company brings to the market. Make sure you find the best cyber insurance option for you by comparing this policy with several others.

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