Insurtech Cowbell, a Provider of Cyber Insurance for SMEs, Appoints Stephen Moss to Key Role

Cowbell, a provider of cyber insurance for small and medium-sized enterprises (SMEs), announced that insurance industry veteran Stephen Moss has been appointed to its Board of Directors.

Moss brings three decades of industry experience and “is currently Group Head of Financial Lines and Cyber at Zurich Insurance Group (Zurich).”

Jack Kudale, Founder and CEO at Cowbell shared:

“Over the past several months, Stephen and I worked closely together on our Series C financing round with Zurich as the lead investor and a strategic partner. Stephen’s deep expertise in financial lines, unique perspective on the cyber landscape, and his confidence in Cowbell’s differentiated approach will be instrumental as we continue to advance global SME cyber adoption. I look forward to working with him as we scale operations.”

Moss joined Zurich in 2017 “as Head of Specialties in the UK and has almost 30 years of experience in the insurance industry.”

As Group Head of Financial Lines and Cyber at the company, he is “responsible for Professional Indemnity, D&O, Financial Institutions, Mergers & Acquisitions, Cyber and Legal Indemnities.”

Throughout his career, Moss has held “various senior underwriting and broking roles, including Casualty Portfolio Underwriting Director, and Underwriting Director for Financial Risks. He is based in the UK.”

Stephen Moss said:

“From the beginning, Cowbell has effectively deployed AI and technology to manage and underwrite cyber risk. Their strong focus on innovation and customer needs has been key to their success. The management has an impressive track record, and I am excited to join them on this journey.”

This appointment comes on the heels of Cowbell “securing a $60M Series C funding round, by Zurich Insurance Group.”

As covered, Cowbell is a firm focused on Adaptive Cyber Insurance, leading the way in providing small and medium-sized enterprises (SMEs) with “coverage adaptable to today’s and tomorrow’s threats and the advanced warning of cyber risk exposures.”

With its unique AI-based approach in risk selection and pricing, Cowbell’s continuous underwriting platform, “powered by Cowbell Factors, compresses the insurance process from submission to issue in less than 5 minutes.”

Backed by 25 prominent global (re)insurance partners, Cowbell serves SMEs “across 50 U.S. states, the District of Columbia, and the United Kingdom, assessing businesses with revenues up to $1B globally.”

Founded in 2019, Cowbell is based “in the San Francisco Bay Area and has employees across the U.S., Canada, India, and the U.K.”



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Disclosure Quest

Reg A - Form 1-A Filings Beta

Beta. Initial Form 1-A only. Target raise is the stated Amount to be Raised, totaled. Compared with the same dates one year earlier.

YTD: Jan 1, 2026 - Oct 26, 2026 vs Jan 1, 2025 - Oct 26, 2025

Share this graph
Number of Filings131Prior 126 +4.0%
Target Raise, Total$3.40BPrior $3.54B -3.9%
This YTDYear priorChange
Filings 131 126 +4.0%
Target raise $3.40B $3.54B -3.9%

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Source: DisclosureQuest. Initial Form 1-A only.

Created by Crowded Media Group

This display counts initial Form 1-A filings only. It does not represent subsequent filings, including Form 1-A/A amendments or Form 1-A POS post-qualification updates filed by the issuer. Amounts are the stated Amount to be Raised on the initial filing, not capital raised and not amounts revised in later filings.

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