Cowbell website screenshot

Cowbell

Cowbell is a Pleasanton, California-based adaptive cyber insurance provider serving small and medium-sized businesses (SMBs) and the middle market with standalone cyber liability coverage, technology errors & omissions (Tech E&O), management liability, and excess cyber products. Founded in 2019, Cowbell pioneered continuous underwriting through its proprietary Cowbell Factors risk benchmarking, which scores organizations against millions of data points to surface vulnerabilities and prioritize remediation. The company pairs its policies with a closed-loop resiliency program (assess-insure-respond-improve) that includes complimentary risk assessments, Cowbell Insights threat detection, incident response planning, cybersecurity awareness training, micro-penetration testing, and vendor risk assessments, plus subscription-based managed detection and response (MDR), penetration testing, identity monitoring (IdentityAI), and Compliance-as-a-Service (COMPaaS). Cowbell operates across the United States (all 50 states plus DC), the United Kingdom, and Australia, is backed by reinsurance partners including Zurich, and offers a public developer program at developers.cowbellcyber.ai exposing REST APIs for agencies, accounts, risk factors, quoting, binding, policy management, and webhooks across its Prime 100, Prime 250, and PrimeOne products. The API surface powers digital aggregator integrations with partners such as Bold Penguin, Herald, Semsee, Sayata, Limit, iBynd, and AmWins. No public OpenAPI specification or open-source SDK is published by Cowbell.

Cowbell is profiled on the APIs.io network. Tagged areas include Cyber Insurance, Insurance, Insurtech, Cybersecurity, and Risk Management.

Cowbell’s developer surface includes engineering blog, FAQ, developer console, academy / training, privacy policy, GitHub presence, YouTube channel, and 23 more developer resources.

9.5/100 minimal ▬ flat Agent 0/100 human only saas Full breakdown ↓
scored 2026-09-08 · rubric v0.20.0
0 APIs
Cyber InsuranceInsuranceInsurtechCybersecurityRisk ManagementRisk AssessmentContinuous UnderwritingSMBCowbell FactorsCyber LiabilityManaged Detection and ResponsePenetration TestingComplianceQuotingBindingsBrokersAgencies

Kin Score

Kin Score Kin Score How this is scored →
scored 2026-09-08 · rubric v0.20.0
Regulatory Posture applies to this provider. Its tags matched the Insurance regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.
Create-or-Update Ergonomics could not be measured. We hold no machine-readable contract for this provider to read, so there is nothing to measure a write surface against. Excluded rather than scored zero: never-measured and measured-empty are different facts. Publishing an OpenAPI is what makes this facet — and several others — scorable at all.
The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.
Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. Every facet and dimension name above is a link: it opens that measurement's own page — what it means, the exact checks that feed it, how the whole catalog distributes on it, and the providers at the top of it. This rating is computed from github.com/api-evangelist/cowbell: open an issue to ask a question, or submit a pull request to add artifacts. Submit an artifact on GitHub — free → Manage your own listing — the Influence plan, $499/mo →

Security Posture 1

Authentication, domain security, vulnerability disclosure, and trust-center signals.

Cowbell Domain Security

TLSv1.3 · HSTS · DMARC

SECURITY

Resources

Get Started 2

Portal, sign-up, and the first successful call

Build 1

SDKs, sample code, and the tooling you integrate with

Access & Security 1

Authentication, authorization, and security posture

Learn 2

Tutorials, courses, talks, and written guidance

Operate 2

Status, limits, changes, and where to get help

Commercial 4

Pricing, plans, and the legal terms of use

Company 9

The organization behind the API

Scroll for all 9

Other 9

Properties that don't map to a standard resource type

Scroll for all 9

Source (apis.yml)

apis.yml Raw ↑
aid: cowbell
name: Cowbell
description: Cowbell is a Pleasanton, California-based adaptive cyber insurance provider serving small and medium-sized businesses
  (SMBs) and the middle market with standalone cyber liability coverage, technology errors & omissions (Tech E&O), management
  liability, and excess cyber products. Founded in 2019, Cowbell pioneered continuous underwriting through its proprietary
  Cowbell Factors risk benchmarking, which scores organizations against millions of data points to surface vulnerabilities
  and prioritize remediation. The company pairs its policies with a closed-loop resiliency program (assess-insure-respond-improve)
  that includes complimentary risk assessments, Cowbell Insights threat detection, incident response planning, cybersecurity
  awareness training, micro-penetration testing, and vendor risk assessments, plus subscription-based managed detection and
  response (MDR), penetration testing, identity monitoring (IdentityAI), and Compliance-as-a-Service (COMPaaS). Cowbell operates
  across the United States (all 50 states plus DC), the United Kingdom, and Australia, is backed by reinsurance partners including
  Zurich, and offers a public developer program at developers.cowbellcyber.ai exposing REST APIs for agencies, accounts, risk
  factors, quoting, binding, policy management, and webhooks across its Prime 100, Prime 250, and PrimeOne products. The API
  surface powers digital aggregator integrations with partners such as Bold Penguin, Herald, Semsee, Sayata, Limit, iBynd,
  and AmWins. No public OpenAPI specification or open-source SDK is published by Cowbell.
type: Index
deliveryModel:
  model: saas
  open_source: false
  commercial: true
  callable_host: false
  label: Hosted service · you call their endpoint
  confidence: medium
  source:
  - pricing
  generated: '2026-08-28'
  method: derived
accessModel:
  pricing: unknown
  onboarding: unknown
  trial: false
  try_now: false
  public: false
  label: Unknown
  confidence: low
  source: []
  generated: '2026-07-22'
  method: derived
position: Producing
access: 3rd-Party
image: https://kinlane-images.s3.amazonaws.com/shared/apis-json/icons/cowbell.png
tags:
- Cyber Insurance
- Insurance
- Insurtech
- Cybersecurity
- Risk Management
- Risk Assessment
- Continuous Underwriting
- SMB
- Cowbell Factors
- Cyber Liability
- Managed Detection and Response
- Penetration Testing
- Compliance
- Quoting
- Bindings
- Brokers
- Agencies
tags_raw:
- Cyber Insurance
- Insurance
- InsurTech
- Cybersecurity
- Risk Management
- Risk Assessment
- Continuous Underwriting
- SMB
- Cowbell Factors
- Cyber Liability
- Managed Detection and Response
- Penetration Testing
- Compliance
- Quoting
- Binding
- Brokers
- Agencies
url: https://raw.githubusercontent.com/api-evangelist/cowbell/refs/heads/main/apis.yml
created: '2026-05-25'
modified: '2026-05-25'
specificationVersion: '0.23'
apis: []
common:
- type: DomainSecurity
  url: security/cowbell-domain-security.yml
- type: Website
  url: https://cowbell.insure
- type: About
  url: https://cowbell.insure/about-cowbell/
- type: Team
  url: https://cowbell.insure/team/
- type: BoardOfDirectors
  url: https://cowbell.insure/bod/
- type: Careers
  url: https://cowbell.insure/careers/
- type: Blog
  url: https://cowbell.insure/blog/
- type: Newsroom
  url: https://cowbell.insure/news/
- type: DataReports
  url: https://cowbell.insure/data-reports/
- type: ContactUs
  url: https://cowbell.insure/contact-us/
- type: FAQ
  url: https://cowbell.insure/faqs/
- type: Developer
  url: https://developers.cowbellcyber.ai
- type: APIQuickstart
  url: https://developers.cowbellcyber.ai/reference/cyber-api-quickstart
- type: APIQuoting
  url: https://cowbell.insure/api-quoting/
- type: InterfaceLicense
  url: https://cowbell.insure/api-license/
- type: Console
  url: https://console.cowbellcyber.ai/login
- type: ClaimsServices
  url: https://cowbell.insure/claims-services/
- type: FindAnAgent
  url: https://cowbell.insure/find-an-agent/
- type: BrokerResources
  url: https://cowbell.insure/broker-resources/
- type: Academy
  url: https://cowbell.insure/cowbell-academy/
- type: RxMarketplace
  url: https://cowbell.insure/rx-new/
- type: StateLicenses
  url: https://cowbell.insure/state-licenses/
- type: Privacy
  url: https://cowbell.insure/privacy/
- type: TermsOfService
  url: https://cowbell.insure/terms/
- type: GitHub
  url: https://github.com/cowbell-cyber
- type: LinkedIn
  url: https://www.linkedin.com/company/cowbell-cyber
- type: Twitter
  url: https://twitter.com/cowbellcyber
- type: YouTube
  url: https://www.youtube.com/@cowbellcyber
- type: Facebook
  url: https://www.facebook.com/cowbellcyber
- type: Crunchbase
  url: https://www.crunchbase.com/organization/cowbell-cyber-inc
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com

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