Cowbell, a leading provider of cyber insurance for small to medium-sized enterprises (SMEs) and middle-market businesses, today announced a major expansion of its product portfolio to include a comprehensive multi-line insurance offering from Zurich North America (Zurich) within the United States. Building on its established success in Cyber and Technology Errors & Omissions (Tech E&O), Cowbell has collaborated with Zurich to offer Zurich Select Plus through the E&S distribution channel for small to medium-sized private businesses. Zurich Select Plus is a co-branded modular suite of four coverages: Directors & Officers (D&O), Employment Practices Liability (EPL), Crime, and Fiduciary insurance.

With this launch, Cowbell now offers cyber, technology errors and omissions, and management liability coverage through both a fully integrated API and a proprietary agentic email automation platform.

The move mirrors Cowbell's recent diversification in the UK, where it introduced professional indemnity insurance tailored for technology providers. Together, these initiatives reflect the company's vision to scale its tech-enabled platform globally and deliver intelligent insurance solutions to businesses wherever they operate.

"In cyber insurance, we've earned a reputation for underwriting discipline, broad distribution, and a user-friendly experience," said Jack Kudale, Founder and CEO of Cowbell. "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."

The launch of Zurich Select Plus follows Cowbell's announcement, nearly a year ago, that it had secured a $60 million Series C investment led by Zurich Insurance Group. 

"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," said Kristof Terryn, CEO of Zurich North America. "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."

At the heart of this evolution is Cowbell's agentic email automation platform, representing a seismic shift in submission processing. Using large language model (LLM) agents, the platform automates submission workflows by extracting, enriching, and validating data from emails, attachments, and images.

Cowbell's cyber, management, and professional liability programs are available to select agents and brokers in the United States.