Cowbell vs HUB International Crime Insurance

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. ^4,3Company-reported. Management liability page intro and module list; Zurich page module-name section.

HUB brokers commercial crime insurance rather than underwriting the coverage itself. ⁸Company-reported. Crime insurance product page as read 2026-09-23; the page does not name an issuing insurer.

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. ^4,3Company-reported. Management liability page intro; Zurich page intro and footer.

The crime insurance page does not name an issuing insurer; HUB places crime coverage with carriers that vary by client and placement. ⁸Not found in reviewed sources. Checked the crime insurance product page on 2026-09-23; no carrier is disclosed there.

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. ⁴Company-reported. FAQ 'What size accounts are targeted?' and Target industries list.

HUB says crime coverage is available for private, public and not-for-profit organizations. ⁸Company-reported. Product-page organization-type list; not a published underwriting appetite by size or industry.

Cowbell describes crime coverage as protecting against losses resulting from criminal acts such as theft, fraud, and embezzlement committed by employees or third parties. ⁴Company-reported. FAQ 'What is the difference between management liability and D&O?'.

HUB lists crime coverage types it arranges as employee theft, vendor theft, forgery, asset misappropriation, computer fraud and funds transfer fraud. ⁸Company-reported. Product-page coverage list; the issued policy and its exclusions control an actual claim.

HUB cites industry statistics that organizations lose about 5% of revenue to fraud each year, that fraud often takes about 18 months to detect, and that more than 23% of fraud cases result in losses of $1 million or more, to frame the need for crime coverage. ⁸Company-reported. Product-page statistics are company-cited figures, not independently verified by Spot, and are general fraud statistics rather than HUB-specific claims data.

Neither the Cowbell page nor Zurich's own Select Plus page, both read in full, publishes crime-coverage limit or retention amounts. ^4,3Not publicly disclosed. Cowbell page and Zurich page, both read on 2026-09-23.

Published policy limits, deductibles or premium information for HUB-placed crime coverage were not found on the product page. ⁸Not publicly disclosed. Checked the crime insurance product page on 2026-09-23; limits are set on the quote and declarations.

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. ^4,3Not publicly disclosed. Management liability page and Zurich page, both read on 2026-09-23.

Not described in the reviewed sources.

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. ⁴Company-reported. FAQ 'How can I access the Zurich Select Plus management liability product through Cowbell?'.

HUB directs prospects to connect with a broker through its business-insurance contact page; no online quote flow is described. ⁸Company-reported. Product-page call to action as read 2026-09-23.