Claims Counsel

Cowbell is signalling a new era in cyber insurance by harnessing technology and data to provide small and medium-sized enterprises (SMEs) with advanced warning of cyber risk exposures bundled with cyber insurance coverage adaptable to the threats of today and tomorrow. Championing adaptive insurance, Cowbell follows policyholders’ cyber risk exposures as they evolve through continuous risk assessment and continuous underwriting. In its unique AI-based approach to risk selection and pricing, Cowbell’s underwriting platform, powered by Cowbell Factors, compresses the insurance process from submission to issue to less than 5 minutes.

Founded in 2019 and based in the San Francisco Bay Area, Cowbell has rapidly grown, now operating across the U.S., Canada, U.K., and India. This growth was recently bolstered by a successful Series C fundraising round of $60 million from Zurich Insurance. This investment not only underscores the confidence in Cowbell’s mission but also accelerates our capacity to revolutionize cyber insurance on a global scale. With the backing of over 25 prominent reinsurance partners, Cowbell is poised to redefine how SMEs navigate the evolving landscape of cyber threats.

Cowbell Cyber is hiring a Claims Counsel to join our Claims team. You will be responsible for adjusting cyber claims and providing outstanding customer service to our clients, brokers, insureds and claimants.

What You Will Do

• Perform tasks such as coverage analysis and letter writing; investigation; incident response; evaluation; reserve adequacy and timeliness; diary maintenance; management of defense and coverage counsel; reinsurance reporting; and claim disposition.
• Proactively manage claims and litigation effectively while delivering outstanding customer service.
• Provide regular communication with customers, brokers, cross functional departments.
• Claim presentations, both written and oral; obtain authority and/or formulate appropriate action plans on difficult claims.
• Market claim services and coordinate and participate in presentations to customers.

What Cowbell Needs From You

• Minimum of 2-5 years of claims handling experience; 1 year Cyber experience required.
• JD required
• Must obtain and retain required adjuster licenses
• Strong skills in coverage, claim evaluation and negotiation
• Exceptional organizational and presentation skills
• Experience working in a collaborative team environment and across work groups
• Professional Liability Experience is a plus

Cowbell Cyber does not permit the use of AI tools during any stage of our interview process. By submitting your application, you agree to complete all assessments and interviews without the use of generative AI assistance.

Our US Benefits include (but are not limited to):

• Flexible PTO policy, 13 paid holidays in the US
• Company subsidized medical, dental, and vision insurance (90% for employee and eligible dependents)
• Flexible Spending Accounts or Health Savings Accounts, depending on your selected health insurance
• Stock options in a rapidly scaling startup
• 401(k) program with employer matching
• Company paid basic Life, AD&D, STD & LTD and Voluntary benefits
• 16 weeks paid Parental Leave for all new parents
• Winner of Inc. Magazine’s Annual List of Best Workplaces for 2022 & 2023 & 2025

Work Location:

• This is a fully remote position, but we are currently only hiring candidates located in the following states: AL, AR, AZ, CA, CO, CT, DE, FL, GA, ID, IL, IA, KY, KS, MD, MA, MI, MN, MO, MS, NC, NE, NJ, NV, NY, OH, OK, OR, PA, SC, TN, TX, UT, VA, VT, WA, DC, WI

Pay Transparency:

The annual base salary range for this position based in the United States is listed below. T his salary range is an estimate , and the actual salary may vary based on Cowbell’s compensation practices, job related skills, depth of experience, relevant certifications and trainings, in addition to geographic location . Based on the factors above, Cowbell utilizes the full width of the range.

Annual Estimated base salary range for this role: $100,000k-$160,000k
+Bonus and Equity

Equal Employment Opportunity:

We are committed to equal opportunity in the terms and conditions of employment for all employees and job applicants without regard to race, color, religion, sex, sexual orientation, age, gender identity or gender expression, national origin, disability, or veteran status.

Cowbell is a leading innovator in cyber insurance, dedicated to empowering businesses to always deliver their intended outcomes as the cyber threat landscape evolves. Guided by our core values of TRUE—Transparency, Resiliency, Urgency, and Empowerment—we are on a mission to be the gold standard for businesses to understand, manage, and transfer cyber risk.

At Cowbell, we foster a collaborative and dynamic work environment where every employee is empowered to contribute and grow. We pride ourselves on our commitment to transparency and resilience, ensuring that we not only meet but exceed industry standards.

We are proud to be an equal opportunity employer, promoting a diverse and inclusive workplace where all voices are heard and valued. Our employees enjoy competitive compensation, comprehensive benefits, and continuous opportunities for professional development.

Cowbell is an E-Verify employer. E-Verify is a web-based system that allows an employer to determine an employee's eligibility to work in the US using information reported on an employee's Form I-9. The E-Verify system confirms eligibility with both the Social Security Administration (SSA) and Department of Homeland Security (DHS). For more information, please go to the USCIS E-Verify website.

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Cowbell Cyber does not permit the use of AI tools during any stage of our interview process. By submitting your application, you agree to complete all assessments and interviews without the use of generative AI assistance.