Cowbell vs HUB International: How Do They Compare for Crime Insurance?

HUB International brokers crime for private, public and not-for-profit organizations through a broker contact page; Cowbell's crime module, underwritten by Zurich, targets companies under 250 employees and $50M in assets and is not sold directly to businesses.

Cowbell fits smaller private companies under 250 employees and $50 million in assets that can apply through a wholesaler; HUB serves private, public and nonprofit organizations and lists vendor theft, forgery and funds-transfer fraud. ^1,^2,³

What Are the Key Differences Between Cowbell and HUB International Crime Insurance?

If you are a public company or nonprofit, HUB explicitly names those buyer types, while Cowbell’s module targets private companies below its published employee and asset caps. Neither page publishes crime limits, so request the proposed limit before comparing. ³ ¹

Zurich-Underwritten Module Versus Brokered Placement

Cowbell’s crime offering is a Select Plus module Zurich underwrites on admitted paper while Cowbell runs the platform. HUB brokers commercial crime rather than underwriting it; its crime page does not name an issuing insurer, and carriers vary by client and placement. ¹ ² ³

Private-Company Caps Versus Organization Types

Cowbell targets private companies with under 250 employees and under $50 million in assets. HUB says crime coverage is available for private, public and not-for-profit organizations, without publishing a size or industry appetite. ¹ ³

Channel and Coverage Lists

Only appointed Zurich E&S wholesalers can access Cowbell’s module through the API. HUB directs prospects to connect with a broker through its business-insurance contact page and does not describe an online quote. Cowbell’s public definition is theft, fraud and embezzlement by employees or third parties. HUB lists employee theft, vendor theft, forgery, asset misappropriation, computer fraud and funds-transfer fraud, and cites industry figures that organizations lose about 5% of revenue to fraud each year. Neither pair of reviewed pages publishes crime limits. ¹ ³

What Should You Confirm in Cowbell and HUB International Crime Insurance Quotes?

Confirm wholesaler appointment and Zurich issuing entity for Cowbell. ¹ ²
Ask HUB which carrier is placing crime and whether vendor theft is on the form. ³
Check public-company or nonprofit status against Cowbell’s private-company target. ¹
Compare limit and retention on both quotes; public pages do not show them. ¹ ³

Cowbell vs HUB International Crime Insurance Compared

Cowbell vs HUB International: Crime Insurance: documented features by provider

Criteria	Cowbell / Zurich Select Plus Crime Coverage	HUB International Crime Insurance Brokerage
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.	HUB says crime coverage is available for private, public and not-for-profit organizations. ³Company-reported. Product-page organization-type list; not a published underwriting appetite by size or industry.
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?'.	HUB directs prospects to connect with a broker through its business-insurance contact page; no online quote flow is described. ³Company-reported. Product-page call to action as read 2026-09-23.
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?'.	HUB lists crime coverage types it arranges as employee theft, vendor theft, forgery, asset misappropriation, computer fraud and funds transfer fraud. ³Company-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. ³Company-reported. Product-page statistics are company-cited figures, not independently verified by us, and are general fraud statistics rather than HUB-specific claims data.
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.	HUB brokers commercial crime insurance rather than underwriting the coverage itself. ³Company-reported. Crime insurance product page as read 2026-09-23; the page does not name an issuing insurer.