Coverdash vs Cowbell Fiduciary Liability Insurance

Coverdash arranges fiduciary liability quotes from its panel of insurers rather than underwriting the policy itself; you request a quote on its fiduciary page and it places coverage on your behalf. ⁴Company-reported. Coverdash's fiduciary liability product page, read together with the provider record's brokerage role. Does not identify which insurer would actually issue a given quote.

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. ^8,7Company-reported. Management liability page intro and module list; Zurich page module-name section.

The fiduciary liability page does not name an issuing insurer for the policy. Coverdash markets a panel of carriers generally, but not which one underwrites a particular fiduciary quote. ⁴Not publicly disclosed. Checked the fiduciary liability product page on 2026-09-23; no insurer is disclosed there.

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. ^8,7Company-reported. Management liability page intro; Zurich page intro and footer.

Coverdash markets fiduciary liability to anyone who manages or advises an employee benefit plan, such as a 401(k), health plan or pension, saying that role carries personal fiduciary liability under ERISA. ⁴Company-reported. Who it's for section and FAQ answer to 'Who is considered a fiduciary?'.

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. ⁸Company-reported. FAQ 'What size accounts are targeted?' and Target industries list.

Coverdash describes the fiduciary policy as covering claims of breach of duty to plan participants, plan administration errors such as enrollment or advising mistakes, and claims over poor selection or monitoring of plan investment options, plus legal defense costs. ⁴Company-reported. Types of Coverage cards on the product page; exclusions and defense-cost structure are not described and would appear on the issued policy.

Coverdash distinguishes fiduciary liability from an ERISA fidelity bond: the bond protects the plan itself from theft and is legally required, while fiduciary liability protects the individual fiduciaries from lawsuits and is optional, though recommended. ⁴Company-reported. FAQ answer to 'Isn't this the same as an ERISA bond?'.

Coverdash says fiduciary liability is often packaged with D&O and EPLI in a management liability policy, but is also available standalone. ⁴Company-reported. FAQ answer to 'Is it included in management liability?'.

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. ⁸Company-reported. FAQ 'What is the difference between management liability and D&O?'.

The fiduciary liability page does not publish limit, retention or deductible amounts for the policy. ⁴Not publicly disclosed. Checked the fiduciary liability product page on 2026-09-23; limits and retentions are not shown there and would appear on a quote.

Neither the Cowbell page nor Zurich's own Select Plus page, both read in full, publishes fiduciary-liability limit or retention amounts. ^8,7Not publicly disclosed. Cowbell page and Zurich page, both read on 2026-09-23.

Not described in the reviewed sources.

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. ^8,7Not publicly disclosed. Management liability page intro; Zurich page intro, both read on 2026-09-23.

Not described in the reviewed sources.

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. ⁸Company-reported. FAQ 'How can I access the Zurich Select Plus management liability product through Cowbell?'.