---
title: "Cowbell vs HUB International Crime Insurance"
description: "Cowbell’s Zurich crime module is API-only for smaller private companies; HUB brokers crime for private, public and not-for-profit organizations."
canonical: "https://spot.insure/compare/cowbell-vs-hub-international/crime"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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

# Cowbell vs HUB International Crime Insurance

Cowbell’s Zurich crime module is API-only for smaller private companies; HUB brokers crime for private, public and not-for-profit organizations.

## Research Scope and Use

Use this comparison to evaluate Cowbell and HUB International for Crime Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

Cowbell distributes Zurich’s Select Plus crime module on admitted paper through appointed E&S wholesalers, targeting private companies under 250 employees and $50 million in assets. HUB brokers commercial crime for private, public and not-for-profit organizations and lists employee theft, vendor theft, forgery, asset misappropriation, computer fraud and funds-transfer fraud. [4](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") [3](https://www.zurichna.com/insurance/excess-and-surplus/small-business-management-liability "Small and Midsize Business Management Liability | Zurich Select Plus") [8](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers")

## What Is Cowbell Insurance?

Cowbell is a specialty-insurance platform and agency focused on cyber risk for small and midsize businesses. Its U.S. catalogue also includes combined Technology E&O and cyber products and a Zurich management-liability offering distributed through appointed wholesalers. [1](https://cowbell.insure/ "Cowbell") [2](https://cowbell.insure/wp-content/uploads/pdfs/CB-US-PrimeTech-Overview-1.pdf "Prime Tech Product Overview") [3](https://www.zurichna.com/insurance/excess-and-surplus/small-business-management-liability "Small and Midsize Business Management Liability | Zurich Select Plus")

[Cowbell profile](https://spot.insure/insurance-providers/cowbell)

## What Is HUB International?

HUB International is a North American insurance brokerage that arranges business insurance, employee benefits and related risk services through local offices and specialist practices. Smaller commercial accounts may be sent to Insureon for an online quote; other programs are handled by HUB advisors, with policy terms set by the insurers they use. [5](https://www.hubinternational.com/about-us/ "About Us") [6](https://www.hubinternational.com/contact-us/ "Contact Us") [7](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies")

[HUB International profile](https://spot.insure/insurance-providers/hub-international)

## What Is Crime Insurance?

Crime insurance addresses business losses from specified theft and fraud risks, such as robbery, forgery and embezzlement. [9](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide")

## Key Differences in Crime Insurance

### 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. [4](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") [3](https://www.zurichna.com/insurance/excess-and-surplus/small-business-management-liability "Small and Midsize Business Management Liability | Zurich Select Plus") [8](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. [4](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") [8](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. [4](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") [8](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers")

## What to Confirm in Crime Insurance Quotes

- Confirm wholesaler appointment and Zurich issuing entity for Cowbell. [4](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") [3](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. [8](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers")
- Check public-company or nonprofit status against Cowbell’s private-company target. [4](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. [4](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") [8](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers")

## Offering Details

| Criteria | Cowbell / Zurich Select Plus Crime Coverage | HUB International Crime Insurance Brokerage |
| --- | --- | --- |
| 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. [4](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") [3](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. [8](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..) |
| 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](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") [3](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; 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. [8](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers") (Evidence: Not found in reviewed sources; scope: Checked the crime insurance product page on 2026-09-23; no carrier is disclosed there..) |
| 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. [4](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. [8](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..) |
| 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. [4](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. [8](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. [8](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 Spot, and are general fraud statistics rather than HUB-specific claims data..) |
| Limits and Retentions | Neither the Cowbell page nor Zurich's own Select Plus page, both read in full, publishes crime-coverage limit or retention amounts. [4](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") [3](https://www.zurichna.com/insurance/excess-and-surplus/small-business-management-liability "Small and Midsize Business Management Liability | Zurich Select Plus") (Evidence: Not publicly disclosed; scope: 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. [8](https://www.hubinternational.com/products/business-insurance/crime-insurance/ "Crime Insurance Brokers") (Evidence: Not publicly disclosed; scope: Checked the crime insurance product page on 2026-09-23; limits are set on the quote and declarations..) |
| Risk Services | 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](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") [3](https://www.zurichna.com/insurance/excess-and-surplus/small-business-management-liability "Small and Midsize Business Management Liability | Zurich Select Plus") (Evidence: Not publicly disclosed; scope: Management liability page and Zurich page, both read on 2026-09-23..) | Not described in the reviewed sources. |
| 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. [4](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. [8](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..) |

## Full Comparison

- [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 can help recover business losses from specified theft and fraud, including employee theft, forgery and payment fraud.
- [Cowbell vs HUB International Cyber Insurance](https://spot.insure/compare/cowbell-vs-hub-international/cyber)
- [Cowbell vs HUB International D&O Insurance](https://spot.insure/compare/cowbell-vs-hub-international/directors-officers)
- [Cowbell vs HUB International Employment Practices Liability Insurance](https://spot.insure/compare/cowbell-vs-hub-international/employment-practices)
- [Cowbell vs HUB International Fiduciary Liability Insurance](https://spot.insure/compare/cowbell-vs-hub-international/fiduciary)
- [Cowbell vs HUB International Management Liability Insurance](https://spot.insure/compare/cowbell-vs-hub-international/management-liability)
- [Cowbell vs HUB International Tech E&O Insurance](https://spot.insure/compare/cowbell-vs-hub-international/technology-errors-omissions)
- [Alliance Risk vs Cowbell Crime Insurance](https://spot.insure/compare/alliance-risk-vs-cowbell/crime)
- [Alliance Risk vs HUB International Crime Insurance](https://spot.insure/compare/alliance-risk-vs-hub-international/crime)
- [Beazley vs Cowbell Crime Insurance](https://spot.insure/compare/beazley-vs-cowbell/crime)
- [Beazley vs HUB International Crime Insurance](https://spot.insure/compare/beazley-vs-hub-international/crime)
- [CFC vs Cowbell Crime Insurance](https://spot.insure/compare/cfc-vs-cowbell/crime)
- [CFC vs HUB International Crime Insurance](https://spot.insure/compare/cfc-vs-hub-international/crime)

## Sources

### Cowbell

1. [Cowbell](https://cowbell.insure/). Cowbell; What We Do; Assess, Insure, Respond and Improve; U.S. navigation; footer legal disclosure. Accessed 2026-09-15.
2. [Prime Tech Product Overview](https://cowbell.insure/wp-content/uploads/pdfs/CB-US-PrimeTech-Overview-1.pdf). Cowbell; PDF pp. 1–4: non-admitted combined Technology E&O and cyber for technology businesses up to $1 billion; up to $5 million; surplus lines in 50 states; edition PRIME TECH US0001 1025. Accessed 2026-09-16.
3. [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.
4. [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.

### HUB International

5. [About Us](https://www.hubinternational.com/about-us/). HUB International; Opening description; 1998 formation of HUB International Limited; 2022 Insureon acquisition; headquarters and employee/office counts. Accessed 2026-09-16.
6. [Contact Us](https://www.hubinternational.com/contact-us/). HUB International; Business Solutions paths for Commercial Insurance Solutions versus Small Commercial Insurance Solutions via Insureon; office search. Accessed 2026-09-16.
7. [Insurance for Technology Companies](https://www.hubinternational.com/industries/technology-company-insurance/). HUB International; Technology Company Insurance & Risk Management: startup, software, hardware and digital-media introduction; Business Coverage and People Protection lists; technology-client count. Accessed 2026-09-16.
8. [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.

### Crime Insurance Guide

9. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Crime. Accessed 2026-09-16.

Updated 2026-09-23. 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)
- [Public page index](https://spot.insure/llms.txt)