Coverdash vs Cowbell Crime Insurance

Coverdash arranges commercial crime coverage as a broker rather than an insurer, placing coverage with a carrier under its standard brokerage terms. ^3,4Company-reported. General brokerage terms applied to the crime page; not specific to any one carrier or state.

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

The commercial crime page does not name the insurer that issues the policy. ⁴Not publicly disclosed. Reviewed commercial crime page as of 2026-09-23; the page describes coverage without naming a specific carrier.

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

Coverdash markets commercial crime coverage to any business that handles money, payroll or valuable inventory. ⁴Company-reported. Product-page eligibility description; actual acceptance depends on underwriting.

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

Coverdash describes commercial crime coverage as protecting against employee theft of money, property or assets, forged checks and counterfeit currency, fraudulent funds-transfer instructions, and losses when an employee is tricked by social engineering into sending funds to a bad actor. ⁴Company-reported. Product-page coverage cards; the issued policy and declarations control actual wording, limits and exclusions.

Coverdash's coverage hub lists commercial crime separately from cyber insurance, even though both can respond to funds-transfer fraud and social-engineering losses; the two pages do not state how overlapping claims are coordinated between policies. ⁴Not found in reviewed sources. Comparison of the cyber and crime-coverage product pages; overlap-resolution language was not found on either page.

Cowbell describes crime coverage as protecting against losses resulting from criminal acts such as theft, fraud, and embezzlement committed by employees or third parties. ⁹Company-reported. FAQ 'What is the difference between management liability and D&O?'.

The commercial crime page does not publish specific limit, retention or deductible amounts. ⁴Not publicly disclosed. Reviewed commercial crime page as of 2026-09-23; figures are quote-specific and not shown on the public product page.

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

Not described in the reviewed sources.

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

Coverdash describes a fully digital quote-to-purchase process for commercial crime coverage, with the option to add other coverages alongside it. ⁴Company-reported. Product-page company information and cross-sell section.

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