The Baldwin Group vs Cowbell: How Do They Compare for Fiduciary Liability Insurance?

The source describes The Baldwin Group’s brokerage or advisory role for Fiduciary Liability. It does not identify Baldwin as the risk-bearing insurer for a particular placement. ^3,4Company-reported. The cited company page describes its brokerage/advisory role and does not name the issuer for a buyer-specific placement.

Fiduciary liability 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 'Fiduciary Liability' as one of the four modules a buyer can combine. ^8,7Company-reported. Management liability page intro and module list; Zurich page module-name section.

Confirm in your quote.

Cowbell and Zurich both say the Select Plus modules, including fiduciary liability, 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. ^8,7Company-reported. Management liability page intro; Zurich page intro and footer.

Baldwin identifies employee-benefit plan sponsors and fiduciaries within its professional and real-estate management-liability discussions. The pages do not state a policy eligibility schedule. ^3,4Company-reported. This is the audience or client context named on Baldwin’s page, not an underwriting decision or guarantee of product availability.

Cowbell targets this fiduciary 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, such as manufacturing and technology. ⁸Company-reported. FAQ 'What size accounts are targeted?' and Target industries list.

Baldwin describes fiduciary insurance as addressing claims against plan sponsors and fiduciaries alleging violations in plan or asset management, and lists fiduciary liability among real-estate management risks. Actual terms are policy-specific. ^3,4Company-reported. The statement reports Baldwin’s marketed coverage or advisory description only. No individual quote, binder, policy form, schedule or endorsement was reviewed; policy entitlement and terms remain unknown.

Cowbell describes fiduciary liability as protecting against claims arising from breaches of fiduciary duties related to employee benefit plans, such as a company's 401(k) or health plan. ⁸Company-reported. FAQ 'What is the difference between management liability and D&O?'.

The reviewed source does not state a buyer-specific limit, retention, deductible or coverage schedule. Confirm the quote and issued policy or bond. ^3,4Not publicly disclosed. No buyer quote, binder, policy or bond form was available in the reviewed public sources.

Neither the Cowbell page nor Zurich's own Select Plus page, both read in full, publishes fiduciary-liability limit or retention amounts. ^8,7Not publicly disclosed. Cowbell page and Zurich page, both read on 2026-09-23.

Baldwin describes management-liability program advice and risk assessment for its clients. The public pages do not state account-specific plan review, insurer or claims service terms. ^3,4Company-reported. These are company-described brokerage and risk-advisory services; account-specific service commitments and third-party terms are not established.

Both Cowbell and Zurich describe the Select Plus product generally as backed by 'the reputable Zurich Claims service'; neither reviewed page describes a fiduciary-specific service such as plan-compliance consulting. ^8,7Not publicly disclosed. Management liability page intro; Zurich page intro, both read on 2026-09-23.

Confirm in your quote.

This fiduciary module is accessed only by appointed Zurich E&S wholesalers through the Cowbell platform's API; it is not sold directly to businesses. ⁸Company-reported. FAQ 'How can I access the Zurich Select Plus management liability product through Cowbell?'.