Cowbell, a US-based cyber insurance provider for SMEs and middle-market companies, has partnered with Zurich North America to launch Zurich Select Plus, a modular multi-line insurance product available through the E&S channel.
The partnership aims to diversify Cowbell’s existing portfolio, moving beyond its core cyber and Tech E&O insurance offerings. By incorporating Zurich’s Zurich Select Plus product suite, Cowbell seeks to enhance risk coverage options for its SME client base, streamlining access through both digital and agentic email automation channels.
Cowbell, known for its AI-powered platform and predictive risk modelling, has traditionally focused on cyber insurance and Technology Errors & Omissions (Tech E&O) cover. It has recently expanded internationally, offering professional indemnity insurance for technology firms in the UK. This global growth reflects Cowbell’s ambition to deliver intelligent, tech-driven insurance solutions across various risk categories and markets.
Zurich Select Plus, co-branded with Cowbell, brings together four management liability coverages: Directors & Officers (D&O), Employment Practices Liability (EPL), Crime, and Fiduciary insurance. It is offered through the E&S (excess and surplus) distribution channel and is aimed at small to medium-sized private businesses in the US.
Zurich North America is part of Zurich Insurance Group, a leading multi-line insurer that serves customers in global and local markets. With this new offering, Zurich is extending its digital reach via Cowbell’s platform, which allows bindable quotes to be generated within seconds of underwriting data submission.
The collaboration builds on Zurich Insurance Group’s $60m Series C investment in Cowbell, made nearly a year ago. It underscores Zurich’s broader strategy to become a transformative risk advisor, especially for SMEs.
Cowbell’s proprietary agentic email automation platform, powered by large language model (LLM) agents, plays a crucial role in the partnership. The system automates data extraction, enrichment, and validation from submissions—whether in emails, documents, or images—accelerating quote generation and policy issuance.
Cowbell’s expanded insurance suite, now including cyber, management, and professional liability lines, is available to select agents and brokers across the United States.
“In cyber insurance, we’ve earned a reputation for underwriting discipline, broad distribution, and a user-friendly experience,” Cowbell founder and CEO Jack Kudale said. “Cyber remains one of the most complex risks facing businesses today. By leveraging our first-of-its-kind, vertically integrated, AI-powered platform and proprietary risk modeling, we’ve simplified the process, enabling faster, more streamlined transactions for our broker partners. Now, we’ve aligned with Zurich to bring innovation to additional lines of coverage, further advancing our mission to provide comprehensive, tech-forward insurance to the global SME and middle-market segment.”
“At the one-year mark of Zurich’s investment in Cowbell, we are pleased to offer our industry-leading Zurich Select Plus product for D&O, EPL, Fiduciary, and Crime coverages. Through Cowbell’s digital platform, the Zurich Cowbell collaboration and relationship can provide bindable quotes within seconds of receiving the required underwriting information,” Zurich North America CEO Kristof Terryn said. “This growing alliance is just one of many ways Zurich is a transformative risk advisor and manager for businesses, including small and medium-sized enterprises.”
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