Who Is Cowbell?
Cowbell is a managing general agent (MGA) founded in 2019 and headquartered in Pleasanton, California, that specializes in standalone cyber insurance for small and mid-sized enterprises. It pioneered what it calls Adaptive Cyber Insurance, using artificial intelligence for continuous risk assessment and underwriting. Its flagship program, Cowbell Prime, is designed for businesses with revenue up to $500 million, and its coverage is backed by rated insurance-carrier capacity. As an MGA rather than a direct carrier, Cowbell gives independent agents digital access to cyber coverage.
For Better Choice Insurance Group, Cowbell is a specialist market for a fast-growing exposure many small businesses overlook: cyber risk. Because Cowbell operates as an MGA with an AI-driven platform, we can generate bindable cyber quotes in minutes and pair them with risk-management and breach-response tools for our clients. When a business needs standalone cyber protection, Cowbell is one of the markets we use to place it quickly and knowledgeably.
What They’re Known For
- Standalone Cyber Insurance: The Cowbell Prime program provides dedicated cyber coverage for small and mid-sized businesses.
- Adaptive Underwriting: AI-driven, continuous risk assessment using Cowbell's proprietary risk-rating approach.
- Risk Management Services: Policyholders get risk prevention, mitigation, and incident-response support, not just a policy.
- Fast Digital Quotes: An MGA platform that lets agents quote and bind cyber coverage in minutes.
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Where We Write Cowbell Insurance
Better Choice Insurance Group offers Cowbell coverage to clients across our service areas:
- Illinois: St. Charles, Naperville, Chicago, Aurora, Schaumburg
- Texas: San Antonio, Dallas, Houston, Austin, Fort Worth
- Indiana: Indianapolis, Carmel, Fishers
- Minnesota: Minneapolis, St. Paul, Bloomington