The newly launched OMNI proxy can transform the risk signals of each policyholder into action recommendations with clear priorities and easy to understand language, and provides clear evidence to support each recommendation.

• Risk Advisor integrates __BJWKEEP_00002™, including specialized AI for observability, autonomy, and governance factors, as well as __BJWKEEP_00004™, security discovery, dark web exposure, connected security tools, and policy information, to provide clear and personalized action recommendations.
• Risk Advisor is built upon the self-repairing operational ontology of OMNI, which is a dynamic knowledge graph that covers every insured individual, and it continuously verifies with the real-time data from Cowbell.
• Risk Advisor can be used through the Cowbell platform and the OMNI mobile application of Cowbell, directly delivering the native decision-making intelligence of OMNI's AI to the policyholder.

Pleasanton, California, USA, October 5, 2026 / PRNewswire / -- Cowbell is a provider of native cybersecurity and specialized insurance services for small and medium-sized enterprises (SMEs). The company announced today the launch of Risk Advisor, a personalized cybersecurity agency that offers each policyholder a evidence-backed plan to reduce their cyber risks. These cybersecurity agencies for policyholders operate within OMNI, which is a native decision-making intelligence system of Cowbell. This system can transform the risk intelligence continuously collected by Cowbell into a set of prioritized actions that every enterprise can take to enhance their cyber resilience.

Risk Advisor can be used through the Cowbell platform and the Cowbell OMNI mobile application. Each Risk Advisor is built on the basis of the policyholder's network security status and policy background. It connects Cowbell Factors, Spotlights, security findings, internal and external connector data, as well as real-time threat intelligence to identify the most important issues, explain the reasons, and recommend practical next steps.

Cowbell, co-founder and Chief Product Officer, Rajeev Gupta stated: "A manufacturer with 40 employees should not need a team of cybersecurity experts to understand the risks it faces. With the help of OMNI, every Cowbell policyholder can have their own AI risk advisor, based on their business, cybersecurity posture, and policy background. It will continuously interpret signals related to that business, prioritize the most important matters, explain the evidence supporting the recommendations, and connect the policyholder with Cowbell's cybersecurity experts when human guidance is needed. This is how cyber insurance becomes a positive part of a company's resilience, rather than just a document filed away in a drawer."

From risk signals to clear actions

Enterprises often have access to a large amount of security information, but they may have limited time or specialized knowledge to interpret this information. Risk Advisor aggregates these signals and explains what they mean for individual enterprises. It can identify the factors that affect the risk score, which findings and Spotlights should be prioritized for handling, what a particular vulnerability means to an organization, and which actions are most relevant to their systems and exposure levels.

For organizations that deploy AI, Risk Advisor will interpret three aspects of AI Cowbell Factors ™: AI Exposure for observability, AI Vulnerability for autonomy, and AI Assurance for governance. It will also explain the significance behind each aspect and prioritize actions that contribute to strengthening the risk profile of policyholders AI.

Suggestions will be prioritized based on urgency and the degree of potential risk reduction. Each suggestion is explained in terms of its importance, along with evidence supporting that suggestion, to help policyholders establish a longer-term security plan while addressing current issues.

Gupta added, "Policyholders can inquire about why their risk scores have changed this week and receive specific answers. Risk Advisor identifies the findings that led to these changes, distinguishes between confirmed detections and advisory indicators, and prioritizes actions that may have the greatest impact. It is this combination of specificity, solidity, and transparency that makes AI truly actionable for policyholders."

Currently, there are over 60 Cowbell Connectorss that can be used to enhance the guidance capabilities of Risk Advisor, providing deeper visibility into the environment for each policyholder. Risk Advisor will explain the additional insights provided by each connection, summarize the findings from the connected tools, and recommend corresponding mitigation measures based on the observed configurations.

Self-updating risk models

Each Risk Advisor relies on the self-repairing operational ontology of OMNI as well as Cowbell which covers over 55 million enterprises with Global Risk Pool. As the platform and risk environment evolve, OMNI will continuously verify this model using real-time operational data, automatically incorporate regular changes, and escalate significant discrepancies for manual review. This ensures that the insights provided by Risk Advisor remain up-to-date without the need for manual rework.

Risk Advisor is not just about information retrieval or general AI summaries; rather, it provides guidance based on specific evidence for each policyholder. Each recommendation is linked to its supporting signals and sources, allowing policyholders to see the information on which those recommendations are based before deciding how to proceed.

When professional support is required, Risk Advisor can connect policyholders with relevant internal cybersecurity experts from Cowbell Resiliency Services ( CRS ) as well as Cowbell. The combination of guidance driven by AI and human professional expertise enables policyholders to more clearly move from identifying risks to taking action.

For more details, please refer to omni.cowbell.insure.

Availability

Effective from today, Risk Advisor is available to policyholders of Cowbell in the United States, Australia, and the United Kingdom. It can be used through the Cowbell platform and the OMNI mobile app of Cowbell, which can be downloaded from Apple App Store and Google Play.

About Cowbell

Cowbell is a AI native adaptive network and specialized insurance company that is redefining risk transfer and risk management for the AI era. Leveraging the Cowbell platform and the OMNI AI native decision-making intelligence system, Cowbell combines risk intelligence, underwriting expertise, claims insights, and resilience services to help businesses and insurance professionals make better decisions throughout the entire insurance lifecycle.

Cowbell serves small and medium-sized organizations around the world, providing adaptive network insurance, AI insurance, coverage for technical errors and omissions, professional liability, as well as management liability insurance solutions. The company's proprietary risk intelligence platform utilizes data from over 55 million entities in its global risk pool to continuously assess risks, improve insurability, and support more informed underwriting and claims decision-making.

Cowbell operates in the United States, Australia, and the United Kingdom, and is supported by over 25 leading global reinsurance partners. Through Cowbell Resiliency Services ( CRS ), policyholders can access cybersecurity consulting services, digital forensics, and incident response capabilities, as well as proactive risk mitigation solutions designed to enhance resilience before, during, and after cyber incidents occur.

For more information, please visit www.cowbell.insure.

Media Contact

Christian Morley