Cowbell unveils AI liability insurance for small businesses that deploy AI agents. Cyber insurance provider Cowbell Cyber Inc. today unveiled Cowbell AI Liability Insurance, a standalone policy for U.S. small and midsized businesses that covers losses caused by the artificial intelligence agents they deploy. The new policy is meant to deal with a problem that arises when businesses let agents move money or change customer records with nobody signing off first. Coverage hinges on a trigger the company calls an "AI Incident." The definition takes in model drift and attacks that manipulate an agent, not just software acting without approval. Cowbell describes an accounts payable agent misreading approval statuses and paying a supplier twice with no human check. Part of that money disappears when the supplier goes into liquidation. Unrecovered funds like those can be covered, and the policy also pays to investigate what happened and take the agent offline. Inaccurate or unsafe output can be corrected or withdrawn at the insurer's expense, with recipients notified. Usage charges an agent racks up without authorization are covered too, such as when a loop goes unchecked. Cowbell also covers LLMjacking, where an outsider uses stolen credentials or application programming interface keys to run AI workloads and leaves the business holding the bill. Claims brought by customers fall on the third-party side. Cowbell's example there is a bookkeeping firm whose agent files client tax returns using outdated rates, and the clients sue once the penalties and interest arrive. In a case like that, the policy can pay defense costs and any damages or settlements, and the same goes for suits alleging algorithmic discrimination or bodily injury caused by reliance on AI output. Regulatory proceedings are also covered, and where the law allows it so are certain fines and penalties. Cowbell Chief Commercial Officer Simon Hughes said AI liability is "no longer only about people using AI," pointing to agents that act with no human in the decision-making chain. When one goes rogue, he said, a business can take its own losses and face customer claims at the same time. Hughes said the policy was written with that double exposure in mind. Underwriting draws partly on three AI-specific Cowbell Factors covering observability, autonomy and governance. They show underwriters how closely a business monitors its AI tools and how much authority those tools have to act on their own. Cowbell's Risk Advisor agent, launched in October, uses the factors to explain risk signals to policyholders. Businesses can see their own scores by connecting Gemini, Claude, ChatGPT and other tools through Cowbell Connectors. Cowbell already sells some AI coverage. Prime One, which it launched in April for U.S. companies with $250 million to $1 billion in annual revenue, includes affirmative coverage for AI-related incidents inside a cyber policy. The new product is sold on its own and aimed at smaller businesses. Cowbell AI Liability Insurance goes on sale Jan. 1, 2027, and will be available only through wholesale brokers on a non-admitted basis. Cowbell is a venture capital-backed company that has raised more than $200 million, including a $60 million Series C round from Zurich Insurance Group Ltd. in July 2024. Photo: Cowbell. A message from John Furrier, co-founder of SiliconANGLE: Support its mission to keep content open and free by engaging with theCUBE community. Join theCUBE's Alumni Trust Network, where technology leaders connect, share intelligence and create opportunities. * 15M+ viewers of theCUBE videos, powering conversations across AI, cloud, cybersecurity and more * 11.4k+ theCUBE alumni - Connect with more than 11,400 tech and business leaders shaping the future through a unique trusted-based network Are you an AWS customer? Support SiliconANGLE financially by buying your AWS services from its Marketplace portal page and links: https://siliconangle.com/aws-marketplace/. About SiliconANGLE Media. SiliconANGLE Media is a recognized leader in digital media innovation, uniting breakthrough technology, strategic insights and real-time audience engagement. As the parent company of SiliconANGLE, theCUBE Network, theCUBE Research, CUBE365, theCUBE AI and theCUBE SuperStudios - with flagship locations in Silicon Valley and the New York Stock Exchange - SiliconANGLE Media operates at the intersection of media, technology and AI. Founded by tech visionaries John Furrier and Dave Vellante, SiliconANGLE Media has built a dynamic ecosystem of industry-leading digital media brands that reach 15+ million elite tech professionals. Its new proprietary theCUBE AI Video Cloud is breaking ground in audience interaction, leveraging theCUBEai.com neural network to help technology companies make data-driven decisions and stay at the forefront of industry conversations.

Cowbell brings omni-powered AI Risk Advisors to policyholders. Oct 05, 2026, 09:00 ET New OMNI agents translate each policyholder's risk signals into prioritized, plain-language actions, with clear evidence supporting every recommendation. * Risk Advisors synthesize Cowbell Factors(TM), including dedicated AI observability, autonomy, and governance Factors, together with Spotlights(TM), security findings, dark web exposure, connected security tools, and policy information to deliver clear, personalized actions. * Risk Advisor is grounded in OMNI's self-healing operational ontology: a living knowledge graph of every Insured, continuously validated against Cowbell's live data. * Available through the Cowbell Platform and Cowbell's OMNI mobile app, Risk Advisor puts OMNI's AI-native decision intelligence directly in policyholders' hands. PLEASANTON, Calif., Oct. 5, 2026 /PRNewswire/ - Cowbell, a leading provider of AI-native cyber and specialty insurance for small and medium-sized enterprises (SMEs), today announced the launch of Risk Advisor, an individualized AI agent that gives every policyholder an evidence-backed plan for reducing their cyber risk. These policyholder-facing AI agents operate within OMNI, Cowbell's AI-native Decision Intelligence System, transforming the risk intelligence Cowbell continuously collects into a prioritized set of actions each business can take to strengthen its cyber resilience. Available through the Cowbell Platform and Cowbell OMNI mobile app, each Risk Advisor is grounded in the policyholder's own cybersecurity posture and policy context. It connects Cowbell Factors, Spotlights, security findings, inside-out connector data, and real-time threat intelligence to identify what matters most, explain why, and recommend practical next steps. "A 40-person manufacturer shouldn't need a team of cybersecurity specialists to understand the risks it faces," said Rajeev Gupta, Co-Founder and Chief Product Officer of Cowbell. "With OMNI, every Cowbell policyholder gets their own AI Risk Advisor, grounded in their business, security posture, and policy context. It continuously interprets the signals around that business, prioritizes what matters, explains the evidence supporting its recommendations, and connects the policyholder with Cowbell's cybersecurity experts when human guidance is needed. This is how cyber insurance becomes an active part of a company's resilience, rather than a document sitting in a drawer." From Risk Signals to Clear Action Businesses often have access to extensive security information but limited time or expertise to interpret it. Risk Advisor brings those signals together and explains what they mean for the individual business. It can identify which factors are influencing a risk score, which findings and Spotlights should be addressed first, what a vulnerability means for the organization, and which actions are most relevant to its systems and exposures. For organizations deploying AI, Risk Advisor interprets three AI Cowbell Factors(TM): AI Exposure for observability, AI Vulnerability for autonomy, and AI Assurance for governance, explaining the signals behind each and prioritizing actions to strengthen the policyholder's AI risk posture. Recommendations are prioritized by urgency and potential risk reduction. Each recommendation explains why it matters and presents the evidence supporting it, helping policyholders address immediate concerns while building a longer-term security plan. "A policyholder can ask why their risk score changed this week and get a specific answer," Gupta continued. "Risk Advisor identifies the findings behind the change, distinguishes confirmed detections from advisory indicators, and prioritizes actions that could have the greatest impact. That combination of specificity, grounding, and transparency is what makes AI actionable for policyholders." More than 60 Cowbell Connectors are available to strengthen Risk Advisor's guidance by providing deeper visibility into each policyholder's environment. Risk Advisor explains the insights each connection adds, summarizes findings from connected tools, and recommends mitigations tailored to the configurations it observes. A Risk Model that Updates Itself Each Risk Advisor draws on OMNI's self-healing operational ontology and Cowbell's Global Risk Pool of more than 55 million businesses. As the platform and risk environment evolve, OMNI continuously validates this model against live operations, incorporating routine changes automatically and escalating material differences for human review, so Risk Advisor's insights stay current without manual rework. Risk Advisor goes beyond information retrieval and generic AI summaries to deliver guidance grounded in evidence specific to each policyholder. Every recommendation remains connected to its supporting signals and sources, giving policyholders visibility into what informed the guidance before they decide how to act. When an issue requires specialized support, Risk Advisor can connect the policyholder with relevant Cowbell Resiliency Services (CRS) and Cowbell's in-house cybersecurity experts. This combination of AI-driven guidance and human expertise gives policyholders a clearer path from identifying a risk to taking action. Availability Risk Advisor is available to Cowbell policyholders in the United States, Australia, and the United Kingdom, effective immediately, in the Cowbell Platform and Cowbell's OMNI mobile app, available in the Apple App Store and Google Play. About Cowbell Cowbell is an AI-native adaptive cyber and specialty insurance company redefining risk transfer and risk management for the AI era. Powered by the Cowbell Platform and OMNI, its AI-native Decision Intelligence System, Cowbell combines risk intelligence, underwriting expertise, claims insights, and resilience services to help businesses and insurance professionals make better decisions across the insurance lifecycle. Serving small and medium-sized organizations globally, Cowbell offers adaptive cyber, AI, technology errors and omissions, professional, and management liability insurance solutions. The company's proprietary risk intelligence platform leverages data from more than 55 million entities in its global risk pool to continuously assess risk, improve insurability, and support more informed underwriting and claims decisions. Cowbell operates across the United States, Australia, and the United Kingdom and is backed by more than 25 leading global (re)insurance partners. Through Cowbell Resiliency Services (CRS), policyholders gain access to cybersecurity advisory services, digital forensics and incident response capabilities, and proactive risk mitigation solutions designed to strengthen resilience before, during, and after a cyber event. Media Contact SOURCE Cowbell Cyber, Inc.