---
title: "Cowbell vs Gallagher: Crime Insurance"
description: "Cowbell fits private companies under 250 employees and $50 million in assets that can work through a wholesaler; Gallagher can assess both small-business needs and larger accounts using peer-based limit analysis."
canonical: "https://spot.insure/compare/cowbell-vs-gallagher/crime"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "cowbell-vs-gallagher"
provider-a: "cowbell"
provider-b: "gallagher"
coverage-line: "crime"
---

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[Human-readable page](https://spot.insure/compare/cowbell-vs-gallagher/crime)

## Agent Guide

**What this page is:** Focused comparison of Cowbell and Gallagher 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 Cowbell versus Gallagher. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide.

**Questions this page answers:**
- Cowbell vs Gallagher for Crime Insurance: how do they differ?
- Which is better for Crime Insurance, Cowbell or Gallagher?
- What does Cowbell or Gallagher publish about Crime Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Crime Insurance. Providers: Cowbell and Gallagher.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- 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; last updated 2026-09-25.

**Related pages:**
- [Cowbell vs Gallagher](https://spot.insure/compare/cowbell-vs-gallagher) — all coverage lines for this pair
- [Crime Insurance guide](https://spot.insure/coverage/crime) — how this coverage works
- [Cowbell profile](https://spot.insure/insurance-providers/cowbell) — provider profile
- [Gallagher profile](https://spot.insure/insurance-providers/gallagher) — provider profile

# Cowbell vs Gallagher: How Do They Compare for Crime Insurance?

Gallagher arranges crime with outside carriers, sending small businesses to an advisor form and using peer analysis for limits on larger accounts; Cowbell's crime module, underwritten by Zurich, is open only to appointed wholesalers and targets companies under 250 employees.

Cowbell targets private companies under 250 employees and $50 million in assets through appointed wholesalers; Gallagher supports small businesses and larger accounts with peer-based limit analysis.

## Cowbell vs Gallagher Crime Insurance Summary

Cowbell fits private companies under 250 employees and $50 million in assets that can work through a wholesaler; Gallagher can assess both small-business needs and larger accounts using peer-based limit analysis. [1](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") [2](https://www.zurichna.com/insurance/excess-and-surplus/small-business-management-liability "Small and Midsize Business Management Liability | Zurich Select Plus") [3](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") [4](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")

## What Are the Key Differences Between Cowbell and Gallagher Crime Insurance?

If your business is larger than Cowbell’s stated size target, Gallagher describes a separate large-account practice and a peer-based way to set limits. Cowbell requires an appointed Zurich wholesaler, while Gallagher’s small-business team starts with an advisor form. [4](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [1](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") [3](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime")

### Who Underwrites Versus Who Places

Cowbell operates the platform for Zurich’s Select Plus crime module; Zurich underwrites that module. Gallagher Small Business arranges Fidelity and Crime with outside carriers for small-business clients, and Gallagher’s Executive and Financial Risk practice places the same coverage for larger accounts. Gallagher does not underwrite. [1](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") [2](https://www.zurichna.com/insurance/excess-and-surplus/small-business-management-liability "Small and Midsize Business Management Liability | Zurich Select Plus") [3](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") [4](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")

A Cowbell quote is Zurich’s module on paper Cowbell and Zurich describe as Zurich admitted. A Gallagher quote is a placement with a carrier Gallagher’s reviewed pages do not name. [2](https://www.zurichna.com/insurance/excess-and-surplus/small-business-management-liability "Small and Midsize Business Management Liability | Zurich Select Plus") [3](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime")

### How You Reach a Quote

Cowbell’s crime module is available only to appointed Zurich E&S wholesalers through the Cowbell API. Gallagher’s small-business crime page routes you to a Connect With An Advisor form. [1](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") [3](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime")

You cannot buy the Cowbell module yourself. You start Gallagher small-business crime by sending that advisor form. [1](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") [3](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime")

### Limits on Larger Gallagher Accounts

For larger accounts Gallagher says it sets crime limits using peer analysis and an exposure index from the Surety Association of America and the American Institute of Accountants. Neither the Cowbell page nor Zurich’s Select Plus page publishes crime limit or retention amounts. [4](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [1](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") [2](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 Cowbell and Gallagher Crime Insurance Quotes?

- Confirm the appointed Zurich E&S wholesaler for Cowbell. [1](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises")
- Ask Gallagher whether the quote is the small-business product or the executive-risk practice. [3](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") [4](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")
- If Gallagher uses its peer-analysis method, ask for the recommended limit. [4](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")
- Compare Cowbell’s theft, fraud and embezzlement description with Gallagher’s listed perils on the bound forms. [1](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") [3](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime")
- Check Cowbell’s under-250-employee and under-$50-million-asset target against your figures. [1](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises")

## Cowbell vs Gallagher Crime Insurance Compared

| Criteria | Cowbell / Zurich Select Plus Crime Coverage | Gallagher Small Business Fidelity and Crime Insurance |
| --- | --- | --- |
| Who It’s For | 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. [1](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..) | Gallagher recommends this coverage for small businesses exposed to funds-transfer fraud, computer fraud, employee fraud, or destruction of personal property. [3](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") (Evidence: Company-reported; scope: Small-business crime product page "Do you need Fidelity and Crime insurance?" list; actual acceptance depends on underwriting..) |
| How to Apply | 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. [1](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?'..) | The small-business crime page routes buyers to a Connect With An Advisor form asking for company details, business description, other coverage interests, employee count and annual revenue. [3](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") (Evidence: Company-reported; scope: Product page inquiry form, inspected without submission..) |
| Coverage Features | Cowbell describes crime coverage as protecting against losses resulting from criminal acts such as theft, fraud, and embezzlement committed by employees or third parties. [1](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?'..) | Gallagher describes Fidelity and Crime insurance as covering losses from fraudulent or dishonest acts, including credit card forgery, computer fraud, funds-transfer fraud, employee fraud, theft and destruction of property. [3](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") (Evidence: Company-reported; scope: Small-business crime product page; a coverage description, not a specific policy's insuring agreement or exclusions..) |
| Role in This Line | 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. [1](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") [2](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..) | Gallagher Small Business arranges Fidelity and Crime coverage with outside carriers for small-business clients; its group-level Executive and Financial Risk practice separately places the same coverage for larger accounts. Gallagher does not underwrite either policy. [3](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") [4](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: Small-business crime product page and the group-level executive-risk practice page..) |

## About Cowbell and Gallagher and Crime Insurance

- [Cowbell company profile](https://spot.insure/insurance-providers/cowbell) · [Cowbell customer reviews](https://spot.insure/insurance-providers/cowbell/reviews)
- [Gallagher company profile](https://spot.insure/insurance-providers/gallagher) · [Gallagher customer reviews](https://spot.insure/insurance-providers/gallagher/reviews)
- [What Is Crime Insurance?](https://spot.insure/coverage/crime)

## Related Pages for Cowbell vs Gallagher Crime Insurance

- [Cowbell vs Gallagher](https://spot.insure/compare/cowbell-vs-gallagher): 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.
- [Cowbell Crime Insurance](https://spot.insure/insurance-providers/cowbell/crime)
- [Gallagher Crime Insurance](https://spot.insure/insurance-providers/gallagher/crime)

## Sources for Cowbell vs Gallagher Crime Insurance

### Sources About Cowbell

1. [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.
2. [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.

### Sources About Gallagher

3. [Crime](https://www.gallaghersmallbusiness.com/insurance-products/crime/). Gallagher Small Business; Coverage Overview; Do you need Fidelity and Crime insurance?; Connect With An Advisor form. Accessed 2026-09-23.
4. [Executive and Financial Risk Insurance](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/). Gallagher; Employee Dishonesty (Crime) and Fidelity Bond insurance section. Accessed 2026-09-23.

Updated 2026-09-25. 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.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/cowbell-vs-gallagher/crime.md)
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- [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)