Cowbell vs 
Heffernan Insurance Brokers: How Do They Compare for Crime Insurance?
Heffernan Insurance Brokers arranges third-party-theft crime inside home care and hospice packages and offers a free rate quote; Cowbell's crime module targets companies under 250 employees and $50M in assets and is open only to appointed Zurich E&S wholesalers.
Cowbell fits private companies under 250 employees and $50 million in assets that can access an appointed wholesaler; Heffernan’s documented crime cover is limited to home-care, home-health and hospice packages. 1,2,3
What Are the Key Differences Between Cowbell and Heffernan Insurance Brokers Crime Insurance?
Cowbell’s crime module targets private firms under published employee and asset caps but requires an appointed wholesaler. 3 1
Select Plus Module Versus Home-Care Package Line
Cowbell’s crime coverage is a module in Zurich’s Select Plus management-liability product, with Zurich underwriting and Cowbell operating the platform. Heffernan arranges crime as “Crime – Third Party Theft” inside insurance packages for home care, home health and hospice businesses, and the reviewed sources do not describe a general commercial crime offering outside that home-care context. 1 2 3
Buyer Types
Cowbell aims the module at private companies with under 250 employees and under $50 million in assets. Heffernan markets the home-care crime listing to home health providers, hospices, staffing agencies and registries, infusion therapy providers and personal care assistants, and says those programs cover all states and agency sizes. 1 3
Access, Paper and Nearby Coverages
Appointed Zurich E&S wholesalers buy Cowbell’s module through the API; it is not sold direct. Heffernan tells home-care businesses to start at least 30 days before working with clients and to request a free rate quote because rates vary by state. Cowbell and Zurich say Select Plus crime sits on Zurich admitted paper. Heffernan’s home-care page does not name an issuer and lists an Employee Dishonesty Bond separately from Crime – Third Party Theft, next to workers’ compensation, liability and cyber. Cowbell’s FAQ defines crime as theft, fraud and embezzlement by employees or third parties. 1 2 3
What Should You Confirm in Cowbell and Heffernan Insurance Brokers Crime Insurance Quotes?
- If you are not a home-care, home-health or hospice operation, ask Heffernan whether crime is available outside that package. 3
- Confirm the appointed Zurich E&S wholesaler and Zurich issuing entity on a Cowbell quote. 1 2
- Ask Heffernan how Crime – Third Party Theft and the Employee Dishonesty Bond interact on one policy. 3
- Check Cowbell’s employee and asset targets against your numbers. 1
Cowbell vs Heffernan Insurance Brokers Crime Insurance Compared
Cowbell vs Heffernan Insurance Brokers: Crime Insurance: documented features by provider
| Criteria | Cowbell / Zurich Select Plus Crime Coverage | Heffernan Home Care 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. 1Company-reported. FAQ 'What size accounts are targeted?' and Target industries list. | Heffernan markets this crime coverage to home health care and in-home health care providers, hospices, staffing agencies and registries, infusion therapy providers and personal care assistants, and says its home care programs cover all states and agency sizes. 3Company-reported. Home Care Business Insurance page's client-type and coverage-area descriptions; 'all states' is a company statement, not independently verified state-by-state licensing. |
| 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. 1Company-reported. FAQ 'How can I access the Zurich Select Plus management liability product through Cowbell?'. | Heffernan tells home care businesses to begin the insurance application process at least 30 days before working with clients and to contact Heffernan for a free rate quote, since rates vary by state. 3Company-reported. Home Care Business Insurance page's cost-and-timing section. |
| 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. 1Company-reported. FAQ 'What is the difference between management liability and D&O?'. | Heffernan lists 'Crime – Third Party Theft' and a separate 'Employee Dishonesty Bond' among the coverages in its home care package, alongside workers' compensation, general and professional liability, and cyber and identity theft coverage. 3Company-reported. Home Care Business Insurance page's coverage list; specific insuring agreements, exclusions and endorsements for the crime coverage are not published there. |
| 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. 1,2Company-reported. Management liability page intro and module list; Zurich page module-name section. | Heffernan arranges crime coverage, listed on its site as 'Crime – Third Party Theft,' as part of the insurance packages it builds for home care, home health and hospice businesses. This record only documents crime coverage in that home-care context; the reviewed sources do not describe a general commercial crime offering outside home care. 3Company-reported. Home Care Business Insurance page's coverage list. |
