Insurer guide
Cowbell Insurance Through an Independent Agency: Coverage and States
Blake Insurance Group is an independent insurance agency with access to quote Cowbell. This page lists the Cowbell coverage we can request for clients, the states where we can do it, and how to start.
This page is published by Blake Insurance Group, not by Cowbell. Availability depends on the product, your location and underwriting.
Request a quote
Tell us what you need and mention Cowbell if you want it included. A licensed agent will follow up. Submitting the form does not bind coverage.
If the form does not load, call 888-387-3687, Monday through Friday, 9:00 to 5:00 Arizona time, or email admin@blakeinsurancegroup.com.
Blake Insurance Group LLC is an independent insurance agency. Licensed insurance producer NPN 16117464.
Cowbell coverage and states available through our agency
The table shows each Cowbell coverage type our agency can currently quote and the states, out of the 24 where we are licensed, in which we can quote it.
| Coverage type | For | States we can quote |
|---|---|---|
| Commercial Cyber | Business | AZ, AL, TX, CA, NY, OH, FL, NC, VA, GA, OK, NM, IA, KS, MI, NE, SC, SD, WV, IL, NJ, PA, TN, WA |
If your state or coverage type is not listed, send a request anyway. We can check other insurers we have access to.
About Cowbell
Cowbell sells cyber coverage built for smaller businesses, covering events such as ransomware, data breaches and business interruption from a cyber incident. The insurer named on a Cowbell policy can vary by product, so check that name on your quote. Through our agency we can request the commercial cyber coverage in the table above.
- Founded: 2019.
- Headquarters: Pleasanton, California.
- Focus: Cyber insurance for small and mid-sized businesses.
- Backing: Zurich Insurance Group invested $60 million in Cowbell in 2024.
- How it works: Cowbell scores a business’s cyber risk as part of quoting and offers tools to help reduce that risk.
Company details checked November 2026. Ratings and ownership can change, so confirm current information with the company or the rating agency. Blake Insurance Group is an independent agency and is not owned by Cowbell.
Sources
How to request a Cowbell quote
- Send the request form on this page or call 888-387-3687.
- Tell us the coverage you need and the state where the business operates.
- A licensed agent reviews whether Cowbell is available for your situation and what information the insurer needs.
- You review the quote and decide. Coverage starts only after the insurer accepts your application and confirms it.
Ways to compare your options
You can go whichever direction suits you. None of these commits you to buying.
- Ask a licensed agent. Send a request or call 888-387-3687.
- See other insurers our agency can quote for similar coverage. Attune, Hanover, Hiscox, Pathpoint, Simply Business, Chubb Commercial, weSure.
Who Cowbell is
Cowbell is a cyber insurance MGA based in Pleasanton, California. The company is Cowbell Cyber, Inc. Its licensed agency is Cowbell Insurance Agency LLC, licensed in 49 states plus DC, according to Cowbell's 2025 appetite guide.
Cowbell focuses on small and mid-sized businesses. It also runs its own reinsurance vehicle, called Cowbell Re, according to FF News.
According to the First Connect carrier directory, Cowbell offers commercial cyber in 49 states. Hawaii is the one state not listed.
Zurich Insurance Group's 2024 investment links Cowbell to an insurance group. But we found no source saying Zurich issues Cowbell's US policies.
Who issues Cowbell policies
Cowbell works with more than one insurer, and we couldn't verify the full current list.
- 2020: Cowbell said its admitted cyber was "on AM Best 'A' rated paper." It didn't name the insurer. It was in 31 states then.
- 2026: FF News reported a multi-year agreement with Palomar Excess & Surplus Insurance Company. The deal doubled capacity for Cowbell's Prime 250 product, with nine reinsurers on the panel. The page was dated March 23, 2026.
We couldn't verify ratings for Cowbell's current insurers. Your declarations page will name yours.
An MGA can work with several insurers at once, and each one may back a different product, state or risk size. So two Cowbell policies may not share the same insurer.
What Cowbell sells and how
Cowbell sells standalone cyber insurance for small and mid-sized businesses. Its two main products are Prime 100 and Prime 250. Cowbell's appetite guide says it writes them on an admitted, surplus or excess basis.
Cowbell is broker-first. It reaches businesses through traditional agents, digital platforms and API connections. FF News reported in 2026 that Cowbell works with 17,000 brokers across 3,000 agencies.
Cowbell news, 2024 to 2026
- Earlier: $100 million Series B led by Anthemis, according to Insurance Insider US.
- July 26, 2024: $60 million Series C from Zurich Insurance Group. Total funding reached $202 million.
- 2026: the Palomar capacity agreement, as above.
- January 2026: Simon Hughes named chief commercial officer. We saw only the headline.
The Palomar agreement is the clearest recent sign of Cowbell's paper. Given the insurer's name, Prime 250 policies backed by that deal may be surplus lines, though we couldn't confirm that.
Why the policy form matters for cyber
Cyber policies can vary a lot. Two policies with the same limit can cover very different things. That's why it helps to know which Cowbell product and form you're getting.
An admitted policy generally follows your state's rate and form rules. A surplus lines policy generally has more flexibility but fewer state protections. Cowbell writes both, so the same business could see either. Ask your agent which applies to you and why.
What to check before you buy Cowbell
- The insurer. Find its name on your declarations page and check its rating.
- Prime 100 or Prime 250. Know which product you have and its limits.
- Security questions. Answer the application carefully. Wrong answers can affect a claim.
- What's covered. Check ransomware, business interruption and third-party liability.
- Your state. Confirm availability where you operate.
Sources for the sections above: Cowbell: US appetite guide (2025); Cowbell: release on admitted cyber (2020); FF News: Cowbell doubles underwriting capacity with Palomar (2026) (secondary); FF News: Cowbell secures $60M Series C from Zurich (2024) (secondary); Insurance Insider US: Cowbell $100mn Series B (secondary); First Connect carrier directory: Cowbell (secondary).
Cowbell FAQs
Can Blake Insurance Group quote Cowbell?
Yes. Our agency currently has access to quote Cowbell for the coverage types and states listed on this page. Access can change, and Cowbell decides whether to offer a policy.
Which states can you quote Cowbell in?
Of the 24 states where we are licensed, we can currently quote Cowbell in AZ, AL, TX, CA, NY, OH, FL, NC, VA, GA, OK, NM, IA, KS, MI, NE, SC, SD, WV, IL, NJ, PA, TN, WA. Availability differs by coverage type, as the table shows.
Does a quote request start coverage?
No. Coverage begins only after the insurer accepts your application and confirms it.
Can I compare Cowbell with other insurers?
Yes. As an independent agency we can look at other insurers we have access to for the same coverage, where they are available in your state.
Important information
Independent agency. Blake Insurance Group LLC is an independent insurance agency. The coverage types and states on this page reflect our agency access as checked in November 2026 and can change. Cowbell decides eligibility, pricing and whether to issue a policy.
Trademarks. Cowbell and other company names are trademarks of their owners. This page is not published or endorsed by Cowbell.
Availability. Coverage, prices, discounts and eligibility vary by insurer, state and applicant, and are subject to underwriting. The issued policy controls. A quote request does not bind or change coverage.
Your next step
Send a request and a licensed agent will check Cowbell and other options available to you.