CNA vs 
Cowbell: How Do They Compare for Management Liability Insurance?
CNA: CNA says Epack 3 lets agents design a modular mix for management-liability exposures. Scope: Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US management/professional liability Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control. Cowbell: Zurich's own page names the four Select Plus modules as 'Private Management and Company Liability,' 'Employment Practices and Third-Party Discrimination Liability,' 'Fiduciary Liability,' and 'Crime Insurance' -- broader labels than the plain 'D&O' and 'EPL' shorthand Cowbell's FAQ uses -- and says a buyer can combine up to four of these modules into one policy. Scope: Zurich page 'Protect your small to midsize business with Zurich's Select Plus Management Liability solutions' section. 4,7
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. 1,2,3
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. 5,6,7
What Is Management Liability Insurance?
Management liability packages can combine D&O and employment-practices coverage for leader and workplace claims, while benefit-plan protection may be a separate part. Shared limits can let a claim in one part reduce what is available for another, so compare the limits across the quote. 9,10,11,12,13,14
Key Differences in Management Liability Insurance
Coverage and package structure
CNA: CNA says Epack 3 lets agents design a modular mix for management-liability exposures. Scope: Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US management/professional liability Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control.. Cowbell: Zurich's own page names the four Select Plus modules as 'Private Management and Company Liability,' 'Employment Practices and Third-Party Discrimination Liability,' 'Fiduciary Liability,' and 'Crime Insurance' -- broader labels than the plain 'D&O' and 'EPL' shorthand Cowbell's FAQ uses -- and says a buyer can combine up to four of these modules into one policy. Scope: Zurich page 'Protect your small to midsize business with Zurich's Select Plus Management Liability solutions' section.. This is a pair-specific comparison of coverage claims; check both details against the proposed terms. 4 7
Application and placement: second documented difference
CNA: CNA directs agents to Agent Center for applications. Scope: Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US management/professional liability Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control.. Cowbell: Access is limited to appointed wholesalers of Zurich Excess & Surplus (E&S): a wholesaler already appointed by Zurich E&S can reach the product through the Cowbell platform via API, and is directed to contact a Cowbell or Zurich representative to set that up. The product is not sold directly to businesses. Scope: FAQ 'How can I access the Zurich Select Plus management liability product through Cowbell?'.. This is a pair-specific comparison of application claims; check both details against the proposed terms. 4 8
What to Confirm in Management Liability Insurance Quotes
CNA and Cowbell Review Scores for 2026
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
CNA Review Score
Review Score
1 rated source
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.[1][5]
Read CNA reviewsCowbell Review Score
Review Score
1 rated source
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.[8]
Read Cowbell reviewsCNA vs Cowbell Management Liability Insurance Compared
CNA vs Cowbell: Management Liability Insurance: documented features by provider
| Criteria | CNA Management Liability / Epack 3 | Cowbell / Zurich Select Plus Management Liability |
|---|---|---|
| Role in This Line | Confirm in your quote. | Cowbell is the distribution platform, not the insurer: it gives Zurich-appointed E&S wholesalers API access to Zurich's Select Plus management liability product, a modular suite Zurich already sells to larger companies, sized down for small and midsize private businesses. Zurich's own page confirms Select Plus is 'Zurich Insurance, in collaboration with Cowbell,' offered as a 'proprietary form,' with identical FAQ wording to Cowbell's page. 8,7Company-reported. Cowbell intro paragraph and FAQ; Zurich intro and 'Delivering speed from quoting to policy issuance' section. |
| Issuing Insurer | Confirm in your quote. | Both Cowbell and Zurich say the product is offered on Zurich admitted paper and backed by 'the reputable Zurich Claims service.' Neither page names the specific underwriting Zurich subsidiary or policy-issuing entity; Zurich's site footer copyright reads 'Zurich American Insurance Company,' but that is a general site-wide notice, not a stated policy-issuer confirmation for Select Plus specifically. 8,7Company-reported. Management liability page intro; Zurich page intro and footer. |
| Who It’s For | CNA discusses exposures for public/private companies, nonprofits and smaller businesses. 4Company-reported. Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US management/professional liability Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control. | Cowbell says the product targets SME private companies with under 250 employees and under $50M in assets, and lists target industries including specialty chemicals, technology, energy/utilities, construction, manufacturing, hospitality, retail, and integrated freight & logistics. 8Company-reported. FAQ 'What size accounts are targeted?' and 'Target industries' list. |
| Coverage Features | CNA’s portfolio combines D&O, EPL, fiduciary, fidelity/crime and kidnap/ransom/extortion coverages. 4Company-reported. Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US management/professional liability Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control. CNA says Epack 3 lets agents design a modular mix for management-liability exposures. 4Company-reported. Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US management/professional liability Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control. | Zurich's own page names the four Select Plus modules as 'Private Management and Company Liability,' 'Employment Practices and Third-Party Discrimination Liability,' 'Fiduciary Liability,' and 'Crime Insurance' -- broader labels than the plain 'D&O' and 'EPL' shorthand Cowbell's FAQ uses -- and says a buyer can combine up to four of these modules into one policy. 7Company-reported. Zurich page 'Protect your small to midsize business with Zurich's Select Plus Management Liability solutions' section. Cowbell describes management liability as a modular umbrella covering four lines within the Select Plus product: private company D&O, employment practices liability, fiduciary liability, and crime, each addressing a different category of management or employee risk. 8Company-reported. 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 publishes limit or retention amounts for the modules; both were read in full and neither discloses a figure. 8,7Not publicly disclosed. Cowbell page and Zurich page, both read on 2026-09-23. |
| Risk Services | Confirm in your quote. | Cowbell says the product is backed by Zurich's claims service, and frames the offering's advantage as faster quoting and issuance through Cowbell's technology platform compared with Zurich's standard process, rather than describing separate risk-control services. 8Company-reported. Page intro and FAQ 'What makes the Zurich Select Plus offering through Cowbell unique?'. |
| How to Apply | CNA directs agents to Agent Center for applications. 4Company-reported. Entity: CNA brand; issuing CNA subsidiary may vary by product/state Product: United States commercial insurance Jurisdiction: United States Research source scope: US management/professional liability Claim limitation: Company-reported; policy wording, underwriting and jurisdiction-specific availability control. | Access is limited to appointed wholesalers of Zurich Excess & Surplus (E&S): a wholesaler already appointed by Zurich E&S can reach the product through the Cowbell platform via API, and is directed to contact a Cowbell or Zurich representative to set that up. The product is not sold directly to businesses. 8Company-reported. FAQ 'How can I access the Zurich Select Plus management liability product through Cowbell?'. |
| Claims Support | Confirm in your quote. | Cowbell says the most common management liability claims fall under employment practices liability, citing discrimination, wrongful termination, harassment, and retaliation as the most frequent claim types. 8Company-reported. FAQ 'What is the most common management liability claim?'; describes claim frequency, not Cowbell's own claims-handling process. |
Related Pages for CNA vs Cowbell Management Liability Insurance
Management Liability Insurance Pages for CNA and Cowbell
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Other Management Liability Insurance Provider Comparisons
Sources for CNA vs Cowbell Management Liability Insurance
Sources About CNA
- Insurance for Small Businesses. 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.
- CNA Connect Small Businessowners Policy (BOP) | CNA Insurance. CNA; CNA Connect; coverages, product range, services. Accessed 2026-09-28.
- General Disclaimer. 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.
- Management Liability Insurance and Professional Liability | CNA Insurance. CNA; Management liability overview, coverages, Epack 3. Accessed 2026-09-28.
Sources About Cowbell
- Cowbell. Cowbell; What We Do; Assess, Insure, Respond and Improve; U.S. navigation; footer legal disclosure. Accessed 2026-09-15.
- Prime Tech Product Overview. 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.
- Small and Midsize Business Management Liability | Zurich Select Plus. Zurich North America; Intro: 'Zurich Insurance, in collaboration with Cowbell, offers the "Zurich Select Plus" proprietary form'; 'Delivering speed from quoting to policy issuance' section; module names (Private Management and Company Liability, Employment Practices and Third-Party Discrimination Liability, Fiduciary Liability, Crime Insurance); Targeted industries list; FAQ (identical to the Cowbell page's FAQ); footer copyright. Accessed 2026-09-23.
- Management liability coverage for small & medium enterprises. Cowbell; Intro paragraph on the Zurich collaboration; FAQ: access, account size, what makes the offering unique, difference between management liability and D&O, why a company needs it, most common claim type; Target industries list. Accessed 2026-09-23.
Sources for the Management Liability Insurance Guide
- Glossary of Insurance Terms. National Association of Insurance Commissioners; Directors & Officers Liability; Employment Practices Liability Coverage; introductory scope note. Accessed 2026-09-16.
- Management Liability Insurance. The Hartford; What Is Management Liability Insurance?; Who Does Management Liability Insurance Protect. Accessed 2026-09-16.
- The ForeFront Portfolio. Chubb; Introduction; optional coverage parts; private, not-for-profit and healthcare portfolios. Accessed 2026-09-16.
- Private Company Directors and Officers Liability Coverage. Travelers Casualty and Surety Company of America; I p.1; III pp.2–3; IV pp.4–6; VI pp.6–8. Accessed 2026-09-16.
- Liability Coverage Terms and Conditions. Travelers Casualty and Surety Company of America; III.B p.3; III.C pp.4–5; III.D–G pp.5–6. Accessed 2026-09-16.
- Private Company Directors and Officers Liability Coverage Application. Travelers Casualty and Surety Company of America; I–II pp.1–2; III–IV pp.2–3; V–VIII pp.3–4. Accessed 2026-09-16.
