Aon vs Cowbell: How Do They Compare for Crime Insurance?

Aon presents Crime as a line its Professional Services Practice helps arrange or advise on for professional-service firms. Aon is describing a global brokerage and advisory service, not issuing the underlying policy. The producing legal entity and carrier for any particular placement are not named on this page. ³Company-reported. Aon’s global professional-services practice page. This establishes a marketed brokerage/advisory offering, not policy issuance or account-specific placement.

Crime coverage is one module within Cowbell's distribution of Zurich's Select Plus management liability product; Cowbell operates the platform, Zurich underwrites the module. Zurich's own page lists 'Crime Insurance' as one of the four modules a buyer can combine. ^7,6Company-reported. Management liability page intro and module list; Zurich page module-name section.

The reviewed practice page does not name the insurer or producing legal entity for a specific placement. Ask for both on the quote and binder. ³Not found in reviewed sources. Aon’s global practice page as reviewed 2026-09-30; no state-specific placement schedule or buyer quote was reviewed. This does not establish that Aon cannot arrange a placement.

Cowbell and Zurich both say the Select Plus modules, including crime, are written on Zurich admitted paper. Zurich's site footer names 'Zurich American Insurance Company' in its copyright notice, but neither page states that entity is the specific policy issuer for this module. ^7,6Company-reported. Management liability page intro; Zurich page intro and footer.

Aon identifies law, accounting and consulting firms as the audience for its global Professional Services Practice. That audience scope does not establish eligibility for every firm or other business. ³Company-reported. Audience described for Aon’s global professional-services practice. It does not establish U.S. state availability or underwriting eligibility for a placement.

Cowbell targets this crime module at private companies with under 250 employees and under $50M in assets, across the same target industries listed for the broader Select Plus product. ⁷Company-reported. FAQ 'What size accounts are targeted?' and Target industries list.

Aon lists Crime as a coverage area within its professional-services practice. The page does not describe covered dishonest acts, insured property, policy conditions or bond forms. ³Company-reported. Aon’s marketing description of the brokerage/coverage area. The page is not the insurer’s policy form and does not establish an insured's entitlement to coverage.

Cowbell describes crime coverage as protecting against losses resulting from criminal acts such as theft, fraud, and embezzlement committed by employees or third parties. ⁷Company-reported. FAQ 'What is the difference between management liability and D&O?'.

The reviewed page does not state a buyer-specific limit, retention, deductible or other placement terms. Confirm these in the quote, bond or issued policy. ³Not publicly disclosed. Aon’s global practice page as reviewed 2026-09-30; no quote, bond form or issued policy was reviewed.

Neither the Cowbell page nor Zurich's own Select Plus page, both read in full, publishes crime-coverage limit or retention amounts. ^7,6Not publicly disclosed. Cowbell page and Zurich page, both read on 2026-09-23.

Aon says its professional-services advisors use industry knowledge, insights, data and tools to support risk-management and human-capital decisions. This is a company-described advisory service, not a claim outcome or policy benefit. ³Company-reported. Company-reported advisory services on Aon’s global practice page; account-specific service scope is not stated.

Neither reviewed page describes crime-specific risk-control services such as employee-dishonesty prevention programs; both describe the Select Plus product's claims backing only at the whole-product level. ^7,6Not publicly disclosed. Management liability page and Zurich page, both read on 2026-09-23.

Confirm in your quote.

This crime module is accessed only by appointed Zurich E&S wholesalers through the Cowbell platform's API; it is not sold directly to businesses. ⁷Company-reported. FAQ 'How can I access the Zurich Select Plus management liability product through Cowbell?'.