Overview › Agents
OMNI Agents, by Cowbell

An expert for
every function.

OMNI Agents bring AI-native decision intelligence into every insurance function. Purpose-built specialists support underwriting, claims, servicing, submissions, risk engineering, analytics, and more, while Moo Studio enables teams to build their own agents for unique workflows.

The whole picture

One system.
Three capabilities.

OMNI unifies intelligence, orchestration, and governance into one AI-native Decision Intelligence System.

IntelligenceDecisionon the live bookRiskCowbell Factors™ThreatCyber PulseAI AdoptionBellwether™
OrchestrationWorkflowsend to endRoutine workautomatedRoutingthe right agentDays to minutescompressed
GovernanceObservabilityevery decisionControlhuman-approvedAttributionto a personFrameworksNIST · ISO · EU AI Act

Grounded  ·  Agentic  ·  Accountable

Responsible AI · Transparency & Governance
AI agents at work
Triggers & task automation
A trigger fires, the AI agent works, the result arrives
Agentic email automation
Email to quote in minutes
OMNI Agents
Intelligence layer
Moo, fluent in insurance
Specialized agents
Underwriting · Claims · Submissions · Risk · Servicing · Analytics
Custom agents
Moo Studio, no-code custom agents
The Cowbell Platform
Vertically Integrated, Specialty Insurance Platform for SMEs
Policy AdminBroker PortalPolicyholderClaims TPACarriersReinsuranceMSSPsAggregatorsAPIs+ more
The data foundation
Global risk pool55M SMEs
Cowbell Factors™11 factors, patented
25+ SLM judgespurpose-built for insurance
Closed-Loop Ontologyself-validating and self-correcting

A grounded foundation, then AI agents, then work that runs itself, all inside one platform. AI-native by design. Every action is scored, traceable, and governed.

Meet the agents

Three kinds. One brain.

Intelligence layer
Moo
Understands insurance and answers from live business data. Read-only by design, the brain every specialized agent draws on.
Cyber underwriting
Cyber UW Assistant
Reviews a submission end to end, benchmarks security posture against Cowbell Factors, and recommends.
Management Liability
ML UW Assistant
Underwrites D&O, EPL, Crime and Fiduciary, weighing governance and litigation exposure.
Tech E&O
Tech E&O UW Assistant
Assesses technology errors and omissions and professional-liability risk.
Submissions
Submission Specialist
Reads inbound submissions, extracts key fields, and prepares a clean underwriting summary.
Claims
Cyber Claims Advisor
Triages a claim: collapses the context, highlights the risk, proposes next actions.
Servicing
Concierge
Runs servicing: payments, BOR changes, NOCs, certificates, and loss runs.
Risk engineering
Risk Engineering
Evaluates risk profiles and exposures, and turns findings into recommendations.
Analytics
Pulse
A live read on production health: volume, quotes, policies, and GWP, on demand.
Threat intelligence
Cyber Pulse Agent
Industry-level cyber risk benchmarks and threat activity, from Cowbell Risk Pool Intelligence. No individual account access.
Policyholder
Risk Insights Advisor
Your Cowbell Factors, explained plainly, and the highest-impact steps to take. Sees only your own account, never another.
Moo Studio
Custom Agents
A no-code builder. Describe the job in plain language and publish, with the same grounding and governance as the built-in agents.

Across Cyber, Tech E&O, and Management Liability. Multiple lines, one AI engine. Access is scoped by account type, so each user sees only their permitted agents, and it fails closed.

The hardest part · beneath Interpret

Closed-Loop Ontology.

An ontology is a living model of how the insurance business works: its policies, claims, submissions, relationships, and rules. OMNI builds that model directly from Cowbell's platform, including its systems, schemas, services, and live operational data, making it executable rather than simply descriptive. Because business rules are declared instead of hard-coded, new capabilities can be introduced through configuration rather than software releases. As the platform evolves, OMNI continuously validates its understanding against live operations, automatically incorporating routine changes while escalating material differences for human review.

Declared ontology setpoint Σ + − Remediation controller Live data infrastructure plant ontologyin use Drift monitor sensor drift correction measured against reality
Setpoint / referenceThe declared ontology
Plant / processLive schemas, indices & events that drift
SensorThe drift monitor, sampling reality
Error signalOntology − reality = drift events
ControllerAuto-fix additive drift · escalate breaking drift
Loop gainCascade scoring weights drift by blast radius

Additive drift is auto-corrected, breaking drift is escalated. It makes the knowledge more complete, never more wrong.

Memory

Memory that remembers
at every timescale.

OMNI structures memory across multiple timescales, preserving context from the latest conversation to the enduring model of the business. Rather than relying on a single running summary, each layer captures the context needed for its purpose, helping every interaction become more informed, consistent, and continuous.

Shortest-lived Durable · every agent
Working memoryshortest-lived
The last few turns, kept verbatim. Tone and exact phrasing survive, so the next reply feels continuous.
Episodic memorythe episode
Older turns compressed into named fields, not prose, so the agent acts on them directly.
Active goalEntitiesOpen questionDecisionsSummary
Procedural memoryknow-how
Learned know-how: the workflows, tool sequences, and playbooks the agent applies.
Long-term memoryacross sessions
Persists across sessions, so nothing starts cold. The foundation for personalization.
Personalized memoryper user
Style, tone, and preferences learned over time, scoped per user and governed.
Shared memoryacross the team
Team-level memory, kept separate from personal memory, so the organization compounds what it learns.
Semantic memory · the ontologydurable
The long-lived model of the business: every entity, relationship, lifecycle, and rule. Loaded once, shared by every agent, every turn.