---
title: "Cowbell vs HUB International: Crime Insurance"
description: "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."
canonical: "https://spot.insure/compare/cowbell-vs-hub-international/crime"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "cowbell-vs-hub-international"
provider-a: "cowbell"
provider-b: "hub-international"
coverage-line: "crime"
---

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

## Agent Guide

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

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

**Key facts:**
- Line: Crime Insurance. Providers: Cowbell and HUB International.
- 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 HUB International](https://spot.insure/compare/cowbell-vs-hub-international) — 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
- [HUB International profile](https://spot.insure/insurance-providers/hub-international) — provider profile

# 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 targets private companies under 250 employees and $50 million in assets through appointed wholesalers; HUB serves private, public and nonprofit organizations and lists vendor theft and funds-transfer fraud.

## Cowbell vs HUB International Crime Insurance Summary

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](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.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers")

## 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](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers") [1](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises")

### 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](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.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers")

### 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](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") [3](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers")

### 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](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") [3](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers")

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

- Confirm wholesaler appointment and Zurich issuing entity for Cowbell. [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")
- Ask HUB which carrier is placing crime and whether vendor theft is on the form. [3](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers")
- Check public-company or nonprofit status against Cowbell’s private-company target. [1](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises")
- Compare limit and retention on both quotes; public pages do not show them. [1](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") [3](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers")

## Cowbell vs HUB International Crime Insurance Compared

| 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. [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..) | HUB says crime coverage is available for private, public and not-for-profit organizations. [3](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers") (Evidence: Company-reported; scope: 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. [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?'..) | HUB directs prospects to connect with a broker through its business-insurance contact page; no online quote flow is described. [3](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers") (Evidence: Company-reported; scope: 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. [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?'..) | HUB lists crime coverage types it arranges as employee theft, vendor theft, forgery, asset misappropriation, computer fraud and funds transfer fraud. [3](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers") (Evidence: Company-reported; scope: Product-page coverage list; the issued policy and its exclusions control an actual claim..)<br><br>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. [3](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers") (Evidence: Company-reported; scope: 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](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..) | HUB brokers commercial crime insurance rather than underwriting the coverage itself. [3](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers") (Evidence: Company-reported; scope: Crime insurance product page as read 2026-09-23; the page does not name an issuing insurer..) |

## About Cowbell and HUB International and Crime Insurance

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

## Related Pages for Cowbell vs HUB International Crime Insurance

- [Cowbell vs HUB International](https://spot.insure/compare/cowbell-vs-hub-international): 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)
- [HUB International Crime Insurance](https://spot.insure/insurance-providers/hub-international/crime)

## Sources for Cowbell vs HUB International 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 HUB International

3. [Crime Insurance Brokers](https://www.hubinternational.com/products/business-insurance/crime-insurance/). HUB International; Fraud-loss statistics; coverage types: employee theft, vendor theft, forgery, asset misappropriation, computer fraud, funds transfer fraud; organization types: private, public, not-for-profit; Connect With a Broker. 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-hub-international/crime.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
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