Cowbell
Cowbell focuses on cyber coverage for small and mid-size businesses, using a continuous risk rating it calls Cowbell Factors to tailor terms to the individual account.
What they are known for
Cowbell is a cyber-only market built for smaller businesses. It rates risk continuously with its Cowbell Factors model and adjusts coverage to the individual account, which can make it a strong fit for Main Street operations.
When we may consider Cowbell
We may compare Cowbell for small and mid-size businesses that want cyber coverage sized to their actual operations rather than a one-size template.
Good to know before you choose
Cowbell is often a surplus lines, non-admitted market. Appetite and terms vary by class, revenue, and controls. We line it up against other markets so the fit is clear.
Explore related coverage
Service and claims
This page is about market access, not policy service. If we placed your cyber policy, start a request in the Service Center or see the Carrier Directory. For a cyber incident, use the breach or incident hotline printed on your policy documents right away.
Vantage Point Risk is an independent insurance agency. Carrier availability, coverage options, eligibility, pricing, and underwriting decisions vary by state, coverage type, business operations, and carrier appetite. Mention of an insurance company does not guarantee availability, appointment status, eligibility, or placement with that company.
Want your cyber coverage compared across markets?
We place cyber through multiple markets and compare them side by side, matched to how your business actually runs. Tell us about your risk and we will find the fit.