Cowbell announced Cowbell AI Liability Insurance on November 10, 2026, a standalone policy for U.S. small and midsized businesses deploying AI agents across customer service, payments, and core operations. It combines coverage for a business’s own losses with protection against third-party claims. Availability is scheduled to begin on January 1, 2027, exclusively through wholesale brokers. The policy is built around an “AI Incident” trigger and is designed for agents that act on a business’s…