What Is Counterpart Insurance?
Counterpart describes a broker-focused platform for small businesses and lists management and professional liability programs. Buyers should compare the named profession, carrier, state, policy wording and any package component on the actual quote. 1,2
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 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. 9,10,11,12,13
Key Differences in Crime Insurance
Standalone Product Page and Management-Liability Module
Counterpart publishes a Commercial Crime page and says businesses reach the program through wholesale brokers. Cowbell describes crime as one module within Zurich’s Select Plus management-liability product, with Zurich underwriting and Cowbell operating the platform. A business buyer should clarify whether its broker can access that module and how crime fits with the other package parts; both routes as described involve an intermediary. 3 4 8
Published Scenario Breadth and Size Target
Counterpart lists employee theft, forgery, computer or system fraud, funds-transfer fraud, and social engineering. Cowbell describes employee or third-party theft, fraud, and embezzlement, while targeting private companies under 250 employees and under $50 million in assets. Counterpart’s record gives no crime-specific size threshold. Applicants should match their headcount and assets to Cowbell’s stated target and ask both providers for the actual covered-event wording. 3 8
What to Confirm in Crime Insurance Quotes
Counterpart 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.
Counterpart Review Score
Review Score
No reviews found
We found no independent customer rating of Counterpart, so it has no Review Score. Its Trustpilot page shows no reviews, and BBB has no matching business.[7][10]
Read Counterpart 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 reviewsCounterpart vs Cowbell Crime Insurance Compared
Counterpart vs Cowbell: Crime Insurance: documented features by provider
| Criteria | Counterpart Commercial Crime | Cowbell / Zurich Select Plus Crime Coverage |
|---|---|---|
| Role in This Line | Counterpart says its insurance is offered through Counterpart Insurance Services, Inc., which it describes as a producer and surplus-lines broker; its help center says businesses reach the program through a wholesale broker. 1,4Company-reported. Company-published distribution description; it does not identify the insurer for this crime 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. 8,7Company-reported. 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. 8,7Company-reported. Management liability page intro; Zurich page intro and footer. |
| Who It’s For | Counterpart presents its insurance products and risk-management services for small businesses. 3,1Company-reported. The general audience statement is not a crime-specific underwriting 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. 8Company-reported. FAQ 'What size accounts are targeted?' and Target industries list. |
| Coverage Features | Counterpart’s crime page lists employee theft, forgery, computer or system fraud, funds-transfer fraud and social-engineering scenarios. 3Company-reported. These are marketing examples, not a complete insuring agreement; the actual policy defines covered loss and conditions. Counterpart separately lists funds-transfer fraud and social-engineering as crime examples. 3Company-reported. The examples do not define authentication conditions, sublimits, exclusions or how a claim would be adjusted. | Cowbell describes crime coverage as protecting against losses resulting from criminal acts such as theft, fraud, and embezzlement committed by employees or third parties. 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, both read in full, publishes crime-coverage limit or retention amounts. 8,7Not publicly disclosed. 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. 8,7Not publicly disclosed. Management liability page and Zurich page, both read on 2026-09-23. |
| How to Apply | 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. 8Company-reported. FAQ 'How can I access the Zurich Select Plus management liability product through Cowbell?'. |
Related Pages for Counterpart vs Cowbell Crime Insurance
Crime Insurance Pages for Counterpart and Cowbell
Other Coverage Lines Compared for Counterpart vs Cowbell
Other Crime Insurance Provider Comparisons
Sources for Counterpart vs Cowbell Crime Insurance
Sources About Counterpart
- Counterpart | Agentic Insurance™. Counterpart, Inc.; Current homepage: Quote Online CTA; brokers/small-business audiences; product list; performance claims; legal/footer qualifications, rendered lines 2–52, 55–70, 98–100, 282–287. Accessed 2026-09-29.
- About Counterpart. Counterpart, Inc.; Carrier disclosure and Our Story; underwriters named at line 13; company focus lines 22–36. Financial-strength note says ratings are as of 2024-02-26. Accessed 2026-09-29.
- Commercial Crime Insurance. Counterpart, Inc.; Retained provider source: product page lists employee theft, forgery, computer/system fraud, funds-transfer and social-engineering examples; prior access 2026-09-28. Direct reopen failed in this session. Accessed 2026-09-28.
- How can I get insurance through Counterpart? Counterpart Knowledge Center; Retained source: article describes wholesale-broker referral route; prior access 2026-09-28. 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 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.
- Management liability coverage for small & medium enterprises. 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
- Commercial Insurance Guide. California Department of Insurance; Crime. Accessed 2026-09-16.
- Crime Non-Financial Applications and Forms. Travelers; Opening paragraph; Sample Policy Forms. Accessed 2026-09-16.
- Crime Terms and Conditions. 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.
- Commercial Crime Coverage Application. 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.
