Cyber insurer Cowbell has teamed up with Zurich North America to bring a new insurance offering to small- and medium-sized businesses across the United States. This partnership expands Cowbell’s lineup beyond cyber and technology errors and omissions coverage to include a package called Zurich Select Plus. The product combines four types of insurance: Directors & Officers (D&O), Employment Practices Liability (EPL), Crime, and Fiduciary insurance.
This move builds on Cowbell’s existing strengths in cyber and Tech E&O coverage, now adding key management liability protections to better serve private businesses. The suite will be available through the excess and surplus (E&S) insurance channel, reaching select brokers and agents who work with U.S. companies.
A standout feature of Cowbell’s service is its use of artificial intelligence, particularly large language model agents, to speed up the insurance application process. The company’s platform can automatically pull and verify data from emails, attachments, and images. This innovation allows brokers to get quotes quickly and with less hassle. Zurich’s CEO for North America, Kristof Terryn, highlighted that Cowbell’s digital tools mean quotes can be bound within seconds after submitting all required information.
Cowbell’s CEO, Jack Kudale, said cyber risk remains a significant challenge for businesses. By combining AI-driven solutions with Zurich’s insurance products, the company aims to make buying multiple types of coverage easier and faster for brokers and their clients.
This product launch follows Cowbell’s recent efforts to expand its offerings outside the U.S., including moves into the UK market. It also comes after Zurich led a $60 million investment round in Cowbell last year, strengthening their partnership.
Overall, this collaboration marks a fresh step in helping smaller businesses handle a wider range of risks with smarter technology and a broader insurance portfolio.