Cowbell rebuilds part of its cyber-underwriting model around AI-specific risk factors
The cyber managing general agent Cowbell added three AI-specific inputs to its proprietary rating system: an AI Exposure Factor weighing how much damage an AI system could do and what actions it is permitted to take, an AI Vulnerability Factor drawn from observed performance rather than self-attestation, and an AI Assurance Factor scoring governance by observable controls. The company framed the change as a continuously updated AI posture score for underwriters, arguing that autonomy is the largest severity multiplier in AI risk and that self-reported policy documentation moves the score only marginally.