The Cowbell Platform now runs the entire policy lifecycle for specialty insurance. AI-native, end to end. OMNI grounds each decision in live business data, orchestrates intelligent action across every stage, and holds every interaction governed, traceable, and accountable.
Illustrative Cowbell Factor scores shown: Industry Aggregate 60, Company Aggregate 75. These are example values, not audited platform metrics.
Every number is tracked in production, scored on each interaction, and traceable to its sessions.
Industry comparisons are drawn from published research: quote-and-bind speed from McKinsey, where digital carriers quote and bind in minutes rather than days; and underwriter workload from Accenture, which finds underwriters spend 70% of their time on non-underwriting work. OMNI figures are Cowbell production metrics.
All bi-directional, all wired into day-to-day insurance workflows.
Moo · The intelligence layer
The foundational insurance intelligence powering every agent across the platform.
Insurance Intelligenceactive
Context Awareactive
Closed Loop Ontologyactive
Long Term Memoryactive
Micro Surfacesactive
Role Based Accessactive
Task Automationactive
Web, Slack, Mobileactive
Groundedactive
Fully Auditableactive
Specialized agents · Bi-directional
10 agentsCyber Claims Advisor
Claims Triage Agent
Cyber claims triage through resolution.
Concierge Agent
Service Coordinator
Answers service questions and keeps work moving.
Cyber Pulse
Cyber Risk Pool Intelligence
Monitors cyber posture and emerging exposures.
Cyber UW Assistant
Cybersecurity Risk Specialist
Cyber risk signals for faster underwriting.
Risk Insights Advisor
Policyholder Advisor
Risk insights and guidance for policyholders.
ML UW Assistant
Management Liability Specialist
Liability risk and policy guidance for teams.
Pulse
Production Analytics
Production analytics for portfolio health.
Risk Engineering Agent
Risk Assessment & Analysis
Inspection findings into practical guidance.
Submission Specialist
Submission Analyzer
Structures submissions and next actions.
Tech E&O UW Assistant
Tech E&O Risk Specialist
Technology exposures and coverage guidance.
Custom agents
Build, configure, and deploy agents for any workflow.
Live agents never break while you iterate
Configure anything
Prompt · Skills · Tools · MCPs · Knowledge Base · Integrations · Access Control
Build anything
Renewal chaser · Submission intake triage · Large-loss watchdog · Book-of-business reporter · Portfolio analytics
Cyber · Tech E&O · Management Liability (D&O, EPL, Crime, Fiduciary). Many lines, one AI engine.
Insurance Intelligence is an ontology: a living, executable model of the insurance business, its entities, relationships, and rules, validated continuously against live operations. It grounds OMNI's reasoning at every stage an account moves through, from the first submission to the claim, and every renewal after.
Inbound submissions and their attachments are read, classified, and extracted. Completeness, industry, and appetite are pre-checked, and anything missing or stalled is flagged before an underwriter opens it.
OMNI assembles the whole risk picture: Cowbell Factors benchmarked against real peers, security findings with remediation, and the threat actors active in the account's own sector.
The right specialist reviews the risk, matches appetite, interprets coverage, drafts broker follow-ups, and proposes a quote with its full reasoning shown.
Quotes are drafted, re-rated across products with Copy Quote, and created, updated, or bound right in the conversation. Bind orders that arrive by email flow straight in.
Broker-of-record changes, cancellations, loss runs, certificates, and billing are triaged from the inbox and handled, with replies drafted and sent only on confirmation.
First notice of loss is captured and enriched with policy context, triaged for blockers, and answered with a drafted diary note, a matched coverage letter, and reserve and vendor recommendations.
Renewal readiness is assessed ahead of time, and a standing task watches for policies nearing expiry and runs the review automatically, well before the deadline.
OMNI runs large models where they shine, and a fleet of small, purpose-built ones for everything else: scoring every answer, checking its grounding, and reading the insurance domain.
The same Small Language Models (SLMs) that govern OMNI's agents also rate the AI risk of the businesses we insure.
AI agents handle every inbound email: any broker, any line, any region. Nothing waits in a queue.
Every email carries a named user's identity and permissions, and nothing is sent until every step is scored. Dedicated pipelines cover all products across the US, UK, and Australia, including multilingual workflows.
Any event, any date, any schedule can trigger an OMNI Task. What runs isn't a script: it's a reasoning agent.
Submission Specialist
Cyber UW Assistant
Cyber Claims Advisor
Pulse, analyticsAny event, wired to any AI specialist, delivered on any channel, and every task carries a named user's identity and permissions.
Every interaction, scored on dozens of signals, by judges that are themselves checked against human experts.
Each judge is validated against a golden set labeled by human experts. The ones that agree earn more weight; the ones that drift are discounted, and the discount is shown.
A hallucinated or incorrect answer gets nothing, no matter how fluent it sounds. And safety is never traded against quality: breaches hit a separate hard stop of their own.
Minutes saved, times answer quality, times the role's rate. Output-only and capped, so it's the honest number, not the flattering one.
AI making high-autonomy, consequential decisions is a risk class of its own.
AI Cowbell Factors score it continuously, across three dimensions.
Autonomy level, decision criticality, reach, reversibility, and the human-in-the-loop gates in place. Higher autonomy over higher-stakes decisions raises exposure.
Governance posture, model documentation, evaluation and red-team cadence, framework maturity, monitoring depth, and the organizational controls that reduce realized risk.
AI Risk
Exposure × Vulnerability,Hallucination rate, accuracy drift, bias and judgment failures, adversarial exposure including injection and jailbreak, data and IP leakage, and dependency security from upstream model providers.
Three dimensions, one benchmarked score: AI Exposure CF × AI Vulnerability CF, discounted by AI Assurance CF.
Scored continuously by the same model fleet that governs OMNI's own AI agents, re-scored on every change.
OMNI is open at both ends. Every scored interaction can stream to the observability stack, tools connect through governed MCP, and OMNI's own intelligence is callable from Claude, ChatGPT, and any MCP host. Inspectable end to end.
Bellwether measures how deeply AI is actually used across the company, starting with OMNI.
And because adoption is measured, it reads as an underwriting signal.
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