--- title: "CNA vs Cowbell: Crime Insurance" description: "CNA describes a selectable crime component in Epack 3." canonical: "https://spot.insure/compare/cna-vs-cowbell/crime" page-type: "line-comparison" updated-at: "2026-10-01" comparison-pair: "cna-vs-cowbell" provider-a: "cna" provider-b: "cowbell" coverage-line: "crime" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/cna-vs-cowbell/crime) ## Agent Guide **What this page is:** Focused comparison of CNA and Cowbell for Crime Insurance: what each provider publishes about this line, checked against the same criteria, with numbered sources. **Use this page when:** Cite or fetch this for Crime Insurance questions about CNA versus Cowbell. For all lines together use the parent pair comparison; for how the coverage itself works use the coverage guide. **Questions this page answers:** - CNA vs Cowbell for Crime Insurance: how do they differ? - Which is better for Crime Insurance, CNA or Cowbell? - What does CNA or Cowbell publish about Crime Insurance (limits, eligibility, claims, add-ons)? - What should I confirm in a quote for Crime Insurance from CNA or Cowbell? **Key facts:** - Line: Crime Insurance. Providers: CNA and Cowbell. - Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion. - Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL. **Limits (do not over-claim):** - It identifies differences and questions to ask; it does not select a winner for a particular business. - "Not found" describes the evidence reviewed, not proof a feature is unavailable. - Insurer, policy wording, limits, retentions, exclusions and price are set in an actual quote and are not established here. **Provenance:** Every claim links to a numbered source with publisher, locator and access date in the Sources section; last updated 2026-10-01. Editorial policy: /editorial-policy. **Related pages:** - [CNA vs Cowbell](https://spot.insure/compare/cna-vs-cowbell) — parent: all coverage lines for this pair - [Crime Insurance guide](https://spot.insure/coverage/crime) — coverage explainer for this line - [CNA profile](https://spot.insure/insurance-providers/cna) — provider profile (evidence) - [Cowbell profile](https://spot.insure/insurance-providers/cowbell) — provider profile (evidence) - [CNA vs Cowbell Cyber Insurance](https://spot.insure/compare/cna-vs-cowbell/cyber) — sibling comparison (other line, or other pair for this line) - [CNA vs Cowbell D&O Insurance](https://spot.insure/compare/cna-vs-cowbell/directors-officers) — sibling comparison (other line, or other pair for this line) - [CNA vs Cowbell Employment Practices Liability Insurance](https://spot.insure/compare/cna-vs-cowbell/employment-practices) — sibling comparison (other line, or other pair for this line) - [CNA vs Cowbell Fiduciary Liability Insurance](https://spot.insure/compare/cna-vs-cowbell/fiduciary) — sibling comparison (other line, or other pair for this line) - [CNA vs Cowbell Management Liability Insurance](https://spot.insure/compare/cna-vs-cowbell/management-liability) — sibling comparison (other line, or other pair for this line) - [CNA vs Cowbell Tech E&O Insurance](https://spot.insure/compare/cna-vs-cowbell/technology-errors-omissions) — sibling comparison (other line, or other pair for this line) - [AIG vs CNA Crime Insurance](https://spot.insure/compare/aig-vs-cna/crime) — sibling comparison (other line, or other pair for this line) - [AIG vs Cowbell Crime Insurance](https://spot.insure/compare/aig-vs-cowbell/crime) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs CNA Crime Insurance](https://spot.insure/compare/alliance-risk-vs-cna/crime) — sibling comparison (other line, or other pair for this line) - [Alliance Risk vs Cowbell Crime Insurance](https://spot.insure/compare/alliance-risk-vs-cowbell/crime) — sibling comparison (other line, or other pair for this line) - [Aon vs CNA Crime Insurance](https://spot.insure/compare/aon-vs-cna/crime) — sibling comparison (other line, or other pair for this line) - [Aon vs Cowbell Crime Insurance](https://spot.insure/compare/aon-vs-cowbell/crime) — sibling comparison (other line, or other pair for this line) # CNA vs Cowbell: How Do They Compare for Crime Insurance? CNA describes a selectable crime component in Epack 3. ## How to Use the CNA vs Cowbell Crime Insurance Comparison Use this comparison to evaluate CNA and Cowbell for Crime Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote. ## CNA vs Cowbell Crime Insurance Summary CNA describes a selectable crime component in Epack 3; Cowbell places crime as a module of Zurich Select Plus management liability for private companies under 250 employees and $50 million in assets. [4](https://www.cna.com/products/management-liability "Management Liability Insurance and Professional Liability") [8](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") [7](https://www.zurichna.com/insurance/excess-and-surplus/small-business-management-liability "Small and Midsize Business Management Liability | Zurich Select Plus") ## CNA Small Business Insurance: Products, Agents and Service CNA directs small-business buyers to independent agents and describes CNA Connect as a businessowners policy for more than 600 small-business classes. Issuer and availability vary by policy and state, so confirm both in a quote. [1](https://www.cna.com/solutions/small-business "Insurance for Small Businesses") [2](https://www.cna.com/products/cna-connect "CNA Connect Small Businessowners Policy (BOP) | CNA Insurance") [3](https://www.cna.com/cnadisclaimer/generaldisclaimer "General Disclaimer") [CNA profile](https://spot.insure/insurance-providers/cna) ## What Is Cowbell Insurance? Cowbell suits small and midsize businesses seeking cyber options by company size, with technology E&O and Zurich management-liability options also available; firms needing broad commercial coverage should compare a full-service broker. Some security services cost extra. [5](https://cowbell.insure/ "Cowbell") [6](https://cowbell.insure/wp-content/uploads/pdfs/CB-US-PrimeTech-Overview-1.pdf "Prime Tech Product Overview") [7](https://www.zurichna.com/insurance/excess-and-surplus/small-business-management-liability "Small and Midsize Business Management Liability | Zurich Select Plus") [Cowbell profile](https://spot.insure/insurance-providers/cowbell) ## What Is Crime Insurance? Crime insurance can help reimburse specified business losses from theft and fraud, including employee theft and forgery. Compare those protections separately and ask whether a payment sent after an impersonation scam is covered. [9](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [10](https://www.travelers.com/business-insurance/professional-liability-insurance/apps-forms/crime-non-financial-institutions "Crime Non-Financial Applications and Forms") [11](https://asset.trvstatic.com/download/assets/cri-3001.pdf/98f30f1063c911eeb2f1deb19c93b21f "Crime Terms and Conditions") [12](https://www.chubb.com/us-en/business-insurance/social-engineering-fraud-coverage-for-crime-insurance.html "Social Engineering Fraud Insurance") [13](https://asset.trvstatic.com/download/assets/cri-1100w-ind.pdf/9aa2577663c911ee91291279531924d3 "Commercial Crime Coverage Application") ## What Are the Key Differences Between CNA and Cowbell Crime Insurance? ### Offering Structure and Distribution Cowbell’s record describes a narrower stated segment and an intermediary route: appointed Zurich E&S wholesalers access the crime module through Cowbell’s platform API, rather than selling it directly to businesses. CNA’s listed audience includes private and public companies and not-for-profits, with agents directed to Agent Center. The two descriptions therefore raise different placement and eligibility questions; neither line page supplies enough information to determine an applicant’s acceptance. [4](https://www.cna.com/products/management-liability "Management Liability Insurance and Professional Liability") [8](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") ### Coverage Detail and Buyer Fit On coverage detail, Cowbell describes losses from criminal acts such as theft, fraud and embezzlement by employees or third parties. CNA confirms a crime offering in Management Liability but does not list comparable triggers in the reviewed claim. Cowbell also says the Cowbell and Zurich Select Plus pages do not publish crime limits or describe crime-specific risk services, so a side-by-side limit conclusion is not supported. [4](https://www.cna.com/products/management-liability "Management Liability Insurance and Professional Liability") [8](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") [7](https://www.zurichna.com/insurance/excess-and-surplus/small-business-management-liability "Small and Midsize Business Management Liability | Zurich Select Plus") ## What Should You Confirm in CNA and Cowbell Crime Insurance Quotes? - Ask the Cowbell wholesaler whether your company meets Select Plus thresholds and which Zurich entity appears on the declarations; ask CNA which policy parts and insurer apply. [4](https://www.cna.com/products/management-liability "Management Liability Insurance and Professional Liability") [8](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") - Request the crime forms and compare employee, third-party and funds-transfer wording, limits, retentions and any discovery provisions. [4](https://www.cna.com/products/management-liability "Management Liability Insurance and Professional Liability") [8](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") ## CNA vs Cowbell Crime Insurance Compared | Criteria | CNA Management Liability Crime Coverage | Cowbell / Zurich Select Plus Crime Coverage | | --- | --- | --- | | Role in This Line | CNA describes Epack 3 as a modular policy with a selected mix of management-liability parts rather than one mandatory bundle. [4](https://www.cna.com/products/management-liability "Management Liability Insurance and Professional Liability") (Evidence: Company-reported; scope: The page does not establish which components a buyer can select for a specific risk or whether the crime coverage is offered standalone..) | 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. [8](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") [7](https://www.zurichna.com/insurance/excess-and-surplus/small-business-management-liability "Small and Midsize Business Management Liability | Zurich Select Plus") (Evidence: Company-reported; scope: Management liability page intro and module list; Zurich page module-name section..) | | Issuing Insurer | Confirm in your quote. | 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. [8](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") [7](https://www.zurichna.com/insurance/excess-and-surplus/small-business-management-liability "Small and Midsize Business Management Liability | Zurich Select Plus") (Evidence: Company-reported; scope: Management liability page intro; Zurich page intro and footer..) | | Who It’s For | CNA describes management-liability risks for private and public companies and not-for-profit organizations. [4](https://www.cna.com/products/management-liability "Management Liability Insurance and Professional Liability") (Evidence: Company-reported; scope: This is broad segment context, not a crime-specific acceptance rule..) | 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. [8](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") (Evidence: Company-reported; scope: FAQ 'What size accounts are targeted?' and Target industries list..) | | Coverage Features | CNA currently lists Crime among its Management Liability coverages and says Epack 3 can flexibly combine crime with selected management-liability exposures. [4](https://www.cna.com/products/management-liability "Management Liability Insurance and Professional Liability") (Evidence: Company-reported; scope: The product page establishes a marketed option, not that all component lines must be purchased together..) | Cowbell describes crime coverage as protecting against losses resulting from criminal acts such as theft, fraud, and embezzlement committed by employees or third parties. [8](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") (Evidence: Company-reported; scope: FAQ 'What is the difference between management liability and D&O?'..) | | Limits and Retentions | Confirm in your quote. | Neither the Cowbell page nor Zurich's own Select Plus page, both read in full, publishes crime-coverage limit or retention amounts. [8](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") [7](https://www.zurichna.com/insurance/excess-and-surplus/small-business-management-liability "Small and Midsize Business Management Liability | Zurich Select Plus") (Evidence: Not publicly disclosed; scope: Cowbell page and Zurich page, both read on 2026-09-23..) | | Risk Services | Confirm in your quote. | 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. [8](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") [7](https://www.zurichna.com/insurance/excess-and-surplus/small-business-management-liability "Small and Midsize Business Management Liability | Zurich Select Plus") (Evidence: Not publicly disclosed; scope: Management liability page and Zurich page, both read on 2026-09-23..) | | How to Apply | CNA directs agents seeking an application to its Agent Center. [4](https://www.cna.com/products/management-liability "Management Liability Insurance and Professional Liability") (Evidence: Company-reported; scope: The page does not state that a business can apply directly or identify all documents required for crime coverage..) | 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. [8](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") (Evidence: Company-reported; scope: FAQ 'How can I access the Zurich Select Plus management liability product through Cowbell?'..) | ## Related Pages for CNA vs Cowbell Crime Insurance - [CNA vs Cowbell](https://spot.insure/compare/cna-vs-cowbell): all coverage lines, business roles, service and claims. - [What Is Crime Insurance?](https://spot.insure/coverage/crime): Crime insurance addresses specified theft and fraud losses; employee theft, forgery, funds-transfer fraud and impersonation payments can have separate terms. - [CNA vs Cowbell Cyber Insurance](https://spot.insure/compare/cna-vs-cowbell/cyber) - [CNA vs Cowbell D&O Insurance](https://spot.insure/compare/cna-vs-cowbell/directors-officers) - [CNA vs Cowbell Employment Practices Liability Insurance](https://spot.insure/compare/cna-vs-cowbell/employment-practices) - [CNA vs Cowbell Fiduciary Liability Insurance](https://spot.insure/compare/cna-vs-cowbell/fiduciary) - [CNA vs Cowbell Management Liability Insurance](https://spot.insure/compare/cna-vs-cowbell/management-liability) - [CNA vs Cowbell Tech E&O Insurance](https://spot.insure/compare/cna-vs-cowbell/technology-errors-omissions) - [AIG vs CNA Crime Insurance](https://spot.insure/compare/aig-vs-cna/crime) - [AIG vs Cowbell Crime Insurance](https://spot.insure/compare/aig-vs-cowbell/crime) - [Alliance Risk vs CNA Crime Insurance](https://spot.insure/compare/alliance-risk-vs-cna/crime) - [Alliance Risk vs Cowbell Crime Insurance](https://spot.insure/compare/alliance-risk-vs-cowbell/crime) - [Aon vs CNA Crime Insurance](https://spot.insure/compare/aon-vs-cna/crime) - [Aon vs Cowbell Crime Insurance](https://spot.insure/compare/aon-vs-cowbell/crime) ## Sources for CNA vs Cowbell Crime Insurance ### Sources About CNA 1. [Insurance for Small Businesses](https://www.cna.com/solutions/small-business). CNA; Insurance for Small Businesses, lines 38-50 and 65-67 (CNA Central and agent route); lines 79-106 (product and stated appetite lists); page footer line 132 (CNA registered service mark).. Accessed 2026-09-28. 2. [CNA Connect Small Businessowners Policy (BOP) | CNA Insurance](https://www.cna.com/products/cna-connect). CNA; CNA Connect; coverages, product range, services. Accessed 2026-09-28. 3. [General Disclaimer](https://www.cna.com/cnadisclaimer/generaldisclaimer). CNA; General Disclaimer paragraphs 1 and 5 (HTML lines 24 and 28): CNA describes Continental Casualty Company and its relevant affiliates; references to CNA may include one or more CCC affiliates; each particular policy/product/service is the responsibility only of the specific CNA company that issues or supplies it. Footer line 57 identifies CNA Financial Corporation as trademark registrant. Re-read 2026-09-29.. Accessed 2026-09-29. 4. [Management Liability Insurance and Professional Liability](https://www.cna.com/products/management-liability). CNA; Current U.S. page: management liability names crime and kidnap/ransom/extortion; lists management product coverages and Epack 3 modular structure, application channel and caveats. Retrieved 2026-09-30.. Accessed 2026-09-30. ### Sources About Cowbell 5. [Cowbell](https://cowbell.insure/). Cowbell; What We Do; Assess, Insure, Respond and Improve; U.S. navigation; footer legal disclosure. Accessed 2026-09-15. 6. [Prime Tech Product Overview](https://cowbell.insure/wp-content/uploads/pdfs/CB-US-PrimeTech-Overview-1.pdf). Cowbell; PDF pp. 1–4: non-admitted combined Technology E&O and cyber for technology businesses up to $1 billion; up to $5 million; surplus lines in 50 states; edition PRIME TECH US0001 1025. Accessed 2026-09-16. 7. [Small and Midsize Business Management Liability | Zurich Select Plus](https://www.zurichna.com/insurance/excess-and-surplus/small-business-management-liability). Zurich North America; Intro on the Zurich/Cowbell collaboration; module name 'Crime Insurance'; FAQ 'What is the difference between management liability and D&O?' (identical to Cowbell's page); Targeted industries list; footer copyright. Accessed 2026-09-23. 8. [Management liability coverage for small & medium enterprises](https://cowbell.insure/mgmt-liability/). Cowbell; FAQ 'What is the difference between management liability and D&O?' (Crime Coverage definition); Target industries list; FAQ on access and account size. Accessed 2026-09-23. ### Sources for the Crime Insurance Guide 9. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Crime. Accessed 2026-09-16. 10. [Crime Non-Financial Applications and Forms](https://www.travelers.com/business-insurance/professional-liability-insurance/apps-forms/crime-non-financial-institutions). Travelers; Opening paragraph; Sample Policy Forms. Accessed 2026-09-16. 11. [Crime Terms and Conditions](https://asset.trvstatic.com/download/assets/cri-3001.pdf/98f30f1063c911eeb2f1deb19c93b21f). The Travelers Companies, Inc.; I.A–G, printed/PDF pages 1–4; III.RR, printed/PDF p.13; V.B.1–2, printed/PDF pp.18–20; Consideration, printed/PDF p.1; III.P p.8; V.A.3 pp.16–17; V.A.4 p.17; V.B.3 p.20; I.A.3 p.1; III.C p.7; III.S pp.8–9; III.II and III.KK p.12; III.QQ p.13; V.A.5 pp.17–18 (printed/PDF pages); IV.J–O, printed/PDF pages 14–15. Accessed 2026-09-16. 12. [Social Engineering Fraud Insurance](https://www.chubb.com/us-en/business-insurance/social-engineering-fraud-coverage-for-crime-insurance.html). Chubb; Opening; coverage highlights. Accessed 2026-09-16. 13. [Commercial Crime Coverage Application](https://asset.trvstatic.com/download/assets/cri-1100w-ind.pdf/9aa2577663c911ee91291279531924d3). Travelers Casualty and Surety Company of America; I–III pages 1–2; IX–XI pages 3–4; V–VII, printed/PDF pages 2–3. Accessed 2026-09-16. Updated 2026-10-01. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source. ## CNA Review Scores for 2026 Review Score: 9.0 / 10 from 1 rated source, equally weighted. Customer feedback on CNA is mixed and hard to compare. NerdWallet gave it 4.5 out of 5 for manufacturers, while Trustpilot shows about 1.4 out of 5 from 49 mostly self-selected reviews. - NerdWallet: NerdWallet editorial rating for manufacturers 4.5/5 (Editorial rating). NerdWallet editorial assessment of CNA for U.S. manufacturers, not consumer average. Period: Published 2026-03-26. Checked 2026-09-29. [Best Insurance for Manufacturers in 2026](https://www.nerdwallet.com/business/insurance/learn/manufacturers) - Trustpilot: Displayed Trustpilot TrustScore 1.4/5 page text; 1.5/5 badge (TrustScore out of 5); 49 reviews. CNA.com profile, mixed business and consumer/LTC reports; self-selected, not representative commercial P&C sample. Period: 14 reviews in prior 12 months; 2026-09-29. Checked 2026-09-29. [CNA customer reviews](https://www.trustpilot.com/review/www.cna.com) - BBB: BBB customer-review average 1/5 (BBB star rating); 6 reviews. Long Term Care Insurance profile covering headquarters/corporate locations; not commercial P&C; six self-selected reviews. Period: Displayed 2026-09-29. Checked 2026-09-29. [CNA Financial Corporation customer reviews](https://www.bbb.org/us/il/chicago/profile/long-term-care-insurance/cna-financial-corporation-0683-90032439/customer-reviews) Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/cna/reviews). ## Cowbell Review Scores for 2026 Review Score: 2.0 / 10 from 1 rated source, equally weighted. Cowbell has one public rating we could find: 1.0 out of 5 on SourceForge from three reviews in 2023. That's too few and too old to say much. - SourceForge: SourceForge rating 1.0 (out of 5); 3 reviews. SourceForge software directory listing for Cowbell Cyber. Three small-business reviewers describe the cyber insurance product. Small sample, all from 2023. Period: reviews dated Jan to Jul 2023. Checked 2026-09-29. [Cowbell Cyber Reviews](https://sourceforge.net/software/product/Cowbell-Cyber/) Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/cowbell/reviews). ## Agent and Developer Resources - [Markdown page](https://spot.insure/compare/cna-vs-cowbell/crime.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)