Cowbell, an AI-native cyber and specialty insurance provider for small and medium-sized enterprises (SMEs), has rolled out Risk Advisor, a personalised AI agent designed to give each of its policyholders an evidence-based roadmap for lowering their cyber risk.

The new agents sit within OMNI, the InsurTech’s AI-native Decision Intelligence System, and convert the risk data Cowbell gathers on an ongoing basis into a ranked list of steps a business can take to improve its cyber resilience. Policyholders can access their Risk Advisor via the Cowbell Platform or the Cowbell OMNI mobile app. Each agent is tailored to the individual business’s security posture and policy details, drawing together Cowbell Factors, Spotlights, security findings, inside-out connector data and live threat intelligence to pinpoint the most pressing issues, explain their significance and suggest practical responses.

Many firms hold large volumes of security data but lack the time or specialist knowledge to make sense of it. Risk Advisor aims to close that gap by showing which factors are shaping a risk score, which findings and Spotlights deserve attention first, what a given vulnerability means for the organisation, and which measures best suit its particular systems and exposures.

For businesses using AI, the tool interprets three dedicated AI Cowbell Factors: AI Exposure, covering observability; AI Vulnerability, covering autonomy; and AI Assurance, covering governance. It sets out the signals behind each and ranks the steps needed to strengthen the organisation’s AI risk posture.

Recommendations are ordered according to urgency and the scale of risk reduction they could deliver.

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