Request a Quote

post https://api.cowbellcyber.ai/api/quote/v1

Create a new Quote for a policyholder account. accountId, agencyId and other quote details are required. If accountId is missing, account details are required. If agencyId is missing, agency details are required. Cowbell’s recommendation is to call this endpoint at a minimum 15-20 seconds after calling the Register Account endpoint.

Body Params

accountId

string

Policy holder account Id. Account must be registered ahead of requesting quote

additionalInsureds

object

List of Additional Insureds

agencyId

string

ID of the Retail Agency to which the account belongs. Required if no accountId provided

agencyName

string

Agency Registered business name (not DBA). Required only if both account and agency are not already registered with Cowbell

agentEmail

string

required

Agent's email id

agentFirstName

string

required

Agent's first name

agentLastName

string

required

Agent's last name

agentPhone

string

Agent's phone number

businessIncomeCoverage

int64

required

Coverage for the losses and costs associated with the inability to conduct business due to a cyber incident or an extortion threat. Business income includes net income that would have been earned or incurred. Note that business interruptions due to system failure or voluntary shutdown are not covered.

claimHistory

int32

Past Claim History. 0=Never, 1=within last 12 months, 2=with last 2 years, 3=within last 3 years, 4=within last 4 years, 5=within 5years or more

computerFraudEndorsement

boolean

required

Coverage for the losses due to a fraudulent computer operation that causes money (or other property) to be transferred from an insured's account. This also covers losses incurred by a fraudulent instruction directing a financial institution to debit money from the insured's transfer account

daAgencyId

string

Digital Aggregator's provided Agency Id. Required only if both account and agency are not already registered with Cowbell

deductible

int32

required

Policy deductible

effectiveDate

date-time

required

Policy Effective Date

hardwareReplCostEndorsement

boolean

Coverage for the cost to replace computers or any associated devices or equipment operated by the insured that are unable to function as intended due to corruption or destruction of software or firmware, resulting from a cyber incident.

hardwareReplCostSubLimit

int64

Hardware Replacement Costs Endorsement Sub Limit. Required if Hardware Replacement Costs Endorsement is set to true

isAuthenticatingFundTransferRequests

boolean

Do policy holder employees authenticate funds transfer requests (e.g. by calling a customer to verify the request at a predetermined phone number)? Affirmative answer is required to be eligible for Social Engineering endorsement

isPreventingUnauthorizedWireTransfers

boolean

Do policy holder employees prevent unauthorized employees from initiating wire transfers? Affirmative answer is required to be eligible for Social Engineering endorsement

isSecurityOfficer

boolean

Does the policyholder agree to be the Designated Information Security Contact?

isSecurityTraining

boolean

Does policyholder provide mandatory information security training to all employees at least annually? If not, are they willing to implement it during the policy period?

isTriaExcluded

boolean

Exclusion of Certified Acts of Terrorism-TRIA.

isVerifyingBankAccounts

boolean

Do policy holder employees verify vendor/supplier bank accounts before adding to accounts payable systems. Affirmative answer is required to be eligible for Social Engineering endorsement

limit

int64

required

Policy Aggregate Limit

policyContactEmail

string

Policyholder Contact Email

policyContactFirstName

string

Policyholder Contact First Name

policyContactLastName

string

Policyholder Contact Last Name

policyContactPhone

string

required

Policyholder Contact Phone number

policyId

string

Digital Aggregator's provided Policy Id. Required only if trying to issue a Cowbell renewal quote

postBreachRemediationEndorsement

boolean

Coverage for labor costs incurred to resolve vulnerabilities or weaknesses in the insured’s computer system that are identified by an independent security firm after a cyber incident. Identified upgrades or improvements must reduce the probability or potential damage of a future incident to qualify.

postBreachRemediationSubLimit

int64

Post Breach remediation Coverage Endorsement Sub Limit. Required if Post Breach remediation Coverage Endorsement is set to true

ransomPaymentLimit

int64

required

Extortion Threats & Ransom Payment Endorsement Sub limit.

retroactivePeriod

int32

required

Policy Retro Active period in Years. Value 3 indicates Full Prior Acts.

socialEngDeductible

int32

Policy Social Engineering Endorsement Deductible. Required if socialEngEndorsement is set to true

socialEngEndorsement

boolean

required

Coverage for a loss resulting from a social engineering incident where the insured is intentionally misled to transfer money to a person, place or account directly from good faith reliance upon an instruction transmitted via email by an imposter. A documented verification procedure requirement needs to have been completed in order to be provided coverage

socialEngLimit

int64

Policy Social Engineering Endorsement Sub Limit. Required if socialEngEndorsement is set to true

telecomsFraudEndorsement

boolean

Coverage for the cost of unauthorized calls or unauthorized use of the insured’s telephone system’s bandwidth, including but not limited to phone bills.

telecomsFraudSubLimit

int64

Telecommunication Fraud Endorsement Sub Limit. Required if Telecommunication Fraud Endorsement is set to true

useCloudStorage

boolean

Does the policyholder have sensitive information stored on the cloud?

useEncryption

boolean

Does the policyholder encrypt all emails, mobile and computing devices containing sensitive information (e.g., PII, PHI, PCI) sent to external parties?

waitingPeriod

int32

required

Policy waiting period in hour

websiteMediaContentLiabilityEndorsement

boolean

description

websiteMediaContentLiabilitySubLimit

int64

Website Media Liability provides coverage for a loss and defense expenses from intellectual property infringement, other than patent infringement, related to media content on the company website or its social media accounts only.

Headers

X-Forwarded-Proto

string

X-Forwarded-Proto

Responses

400

Bad Request

401

Unauthorized

Language

URL


xxxxxxxxxx
15
1
curl --request POST \
2
     --url https://api.cowbellcyber.ai/api/quote/v1 \
3
     --header 'accept: application/json' \
4
     --header 'content-type: application/json' \
5
     --data '
6
{
7
  "computerFraudEndorsement": true,
8
  "deductible": 1000,
9
  "limit": 100000,
10
  "ransomPaymentLimit": 100000,
11
  "retroactivePeriod": 1,
12
  "socialEngEndorsement": true,
13
  "waitingPeriod": 12
14
}
15
'

Choose an example:

application/json

200Success