Chubb vs Cowbell Fiduciary Liability Insurance

Chubb underwrites Fiduciary Liability insurance directly through ForeFront Portfolio 3.0, designed to protect a privately owned company, its fiduciaries and its benefit plans against personal liability for errors, omissions or breaches of fiduciary duty related to benefit plans. ⁴Company-reported. ForeFront Portfolio 3.0 Fiduciary Liability product page.

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. ^9,8Company-reported. Management liability page intro and module list; Zurich page module-name section.

Not described in the reviewed sources.

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. ^9,8Company-reported. Management liability page intro; Zurich page intro and footer.

Chubb says private-company underwriters located across the U.S. handle this product and are experienced in a broad spectrum of industries. ⁴Company-reported. Coverage Highlights, Benefits section.

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. ⁹Company-reported. FAQ 'What size accounts are targeted?' and Target industries list.

Chubb lists coverage responding to allegations including wrongful denial or improper change in benefits, error or omission in plan administration, improper advice or counsel, prohibited transactions, failure to administer a plan according to its documents, conflict of interest, and imprudent investment or selection/monitoring of third-party service providers. ⁴Company-reported. Coverage Highlights, Coverage Responds to allegations list; subject to the policy as issued.

Chubb says the policy insures the company, the company's executives and employees, and the company's employee benefits plan itself. ⁴Company-reported. Coverage Highlights list.

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. ⁹Company-reported. FAQ 'What is the difference between management liability and D&O?'.

The reviewed page does not publish specific policy limits or retentions for Fiduciary Liability coverage. ⁴Not found in reviewed sources. ForeFront Portfolio 3.0 Fiduciary Liability page as read on 2026-09-23.

Neither the Cowbell page nor Zurich's own Select Plus page, both read in full, publishes fiduciary-liability limit or retention amounts. ^9,8Not publicly disclosed. Cowbell page and Zurich page, both read on 2026-09-23.

Chubb says Fiduciary Liability policyholders have access to loss-prevention resources, and separately publishes Fiduciary Liability Insurance Loss Control Services materials within the ForeFront Portfolio. ^4,5Company-reported. Coverage Highlights Benefits section; ForeFront Portfolio hub page lists a separate Loss Control Services resource.

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. ^9,8Not publicly disclosed. Management liability page intro; Zurich page intro, both read on 2026-09-23.

Fiduciary Liability coverage is placed as part of the ForeFront Portfolio, which agents and brokers can quote and issue through Chubb Marketplace. ⁵Company-reported. ForeFront Portfolio hub page quoting section.

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. ⁹Company-reported. FAQ 'How can I access the Zurich Select Plus management liability product through Cowbell?'.