Cowbell Factors™ are Cowbell’s proprietary risk ratings that compile in real-time an organization’s cyber risk profile in support of the insurance process. Cowbell Factors anchor Cowbell’s underwriting and help guide coverage and cyber policy configuration.

Cowbell Factors are continuously updated and present an up-to-date view of an organization's risk profile as compared to Cowbell's risk pool made of more than 30 million accounts in the U.S. (and growing). Businesses (whether they are policyholders or not) can view their Cowbell Factors at any time on Cowbell's platform and track how their risk ratings are evolving. Cowbell Factors are a good indication of how the organization compares to industry peers with regards to security.

Businesses that do not have yet a cyber policy with Cowbell Cyber can sign-up to view their Cowbell Factors at

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