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Combining outside-in and inside-out continuous risk assessment, Cowbell delivers coverages tailored to identified risk exposures in minutes and empowers policyholders to improve their cyber risk posture. Coverage is specifically designed for cyber risk exposure—not entwined with other lines of coverage. Ongoing observation capabilities allow you to adjust your cyber insurance coverage as your business evolves. No hardware or software installation. Artificial intelligence techniques determine your insurable threat rating. Cowbell Factors provide decisive insight into the likelihood and severity of an insurable threat that enables you to select appropriate coverage, implement remediation guidance, and optimize premiums. Fast, automated, continuous exposure assessment puts all the pieces in place to determine the correct policy for your needs. It also means coverage and premiums can be adjusted on an ongoing basis.

With DigiTech® ERM and Chubb’s approach to Widespread Events coverage, businesses can tailor coverage to their unique exposures and needs, providing for greater coverage certainty and also providing long-term stability in the cyber insurance marketplace. Market-leading, highly customizable solutions to address clients’ unique needs, regardless of size, industry or type of risk. Broadened definition of protected Information includes biometrics, internet browsing history and personally identifiable photos and videos. Coverage territory applicable to anywhere in the universe to address continued evolution of hosting and data storage. Ransomware encounter endorsement addresses the increasing risk of ransomware by allowing for a tailored set of coverage, limit, retention, and coinsurance to apply uniformly across all cyber coverages.