---
title: "Cowbell vs HUB International: D&O Insurance"
description: "HUB's ProEx practice brokers D&O for private, nonprofit and public companies, and its attorneys help from reviewing policy wording to recovering on a claim. Cowbell's private-company D&O is a Zurich-underwritten module that businesses can't buy directly; only appointed wholesalers reach it."
canonical: "https://spot.insure/compare/cowbell-vs-hub-international/directors-officers"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "cowbell-vs-hub-international"
provider-a: "cowbell"
provider-b: "hub-international"
coverage-line: "directors-officers"
---

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

## Agent Guide

**What this page is:** Focused comparison of Cowbell and HUB International for D&O 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 D&O 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 D&O Insurance: how do they differ?
- Which is better for D&O Insurance, Cowbell or HUB International?
- What does Cowbell or HUB International publish about D&O Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: D&O 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
- [D&O Insurance guide](https://spot.insure/coverage/directors-officers) — 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 D&O Insurance?

Cowbell routes its D&O for private companies under 250 employees module only through Zurich-appointed wholesalers; HUB International brokers for private, public, and nonprofit organizations and offers a specialist claims support group.

HUB is a broker you can call for private, nonprofit or public-company D&O, with attorneys who help on claims, while Cowbell's Zurich D&O module is only reachable through an appointed wholesaler.

## Cowbell vs HUB International D&O Insurance Summary

HUB's ProEx practice brokers D&O for private, nonprofit and public companies, and its attorneys help from reviewing policy wording to recovering on a claim. Cowbell's private-company D&O is a Zurich-underwritten module that businesses can't buy directly; only appointed wholesalers reach it. [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/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") [4](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx")

## What Are the Key Differences Between Cowbell and HUB International D&O Insurance?

### Broker You Call vs Module Your Broker Must Reach

You reach HUB through its "Connect With a Broker" page, and its ProEx Professional & Executive Risk practice shops your D&O with insurers it describes only as "top-rated." [3](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") [4](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") Cowbell's module is part of Zurich's Select Plus product; Cowbell provides platform access to Zurich-appointed wholesalers, so you'd need a broker who works with one. [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") Choose HUB if you're public, a nonprofit, or want a broker with claims attorneys; ask your broker about Cowbell's module if you're a private company under 250 employees and $50 million in assets in technology, construction, manufacturing, hospitality or retail. [3](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") [1](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises")

### Claims Attorneys vs Standard Coverage Description

HUB's ProEx practice adds analytics, litigation support and risk-management services, and its Claims & Legal Risks Group is a team of attorneys. [4](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") Cowbell describes D&O covering legal fees, settlements and defense costs, pitched as a way to attract and retain directors, and doesn't describe dedicated claims help beyond the policy. [1](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises")

## What Should You Confirm in Cowbell and HUB International D&O Insurance Quotes?

- Ask HUB which insurer would issue your policy. [4](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx")
- Check your headcount and assets against Cowbell's targets before your broker applies. [1](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises")
- Ask how HUB's claims attorneys would handle a D&O notice compared with Zurich's own claims process on a Cowbell module. [4](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [2](https://www.zurichna.com/insurance/excess-and-surplus/small-business-management-liability "Small and Midsize Business Management Liability | Zurich Select Plus")
- Get limits and retentions on both quotes; neither publishes them. [3](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") [1](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises")

## Cowbell vs HUB International D&O Insurance Compared

| Criteria | Cowbell / Zurich Select Plus Private Company D&O | HUB International Directors and Officers Insurance Brokerage |
| --- | --- | --- |
| Who It’s For | Cowbell targets this D&O module at private companies with under 250 employees and under $50M in assets, in industries such as technology, construction, manufacturing, hospitality, and retail. [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 markets D&O brokerage to three segments: private companies with customer and supplier relationships, nonprofits with advisory boards or committees, and public companies with shareholders. [3](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") (Evidence: Company-reported; scope: D&O product page target-market description; not an underwriting appetite statement..) |
| How to Apply | This D&O 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 D&O prospects to "Connect With a Broker" rather than an online quote or bind flow. [3](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") (Evidence: Company-reported; scope: D&O product page call to action..) |
| Coverage Features | Cowbell describes D&O liability as protecting the personal assets of directors and officers and the company's financial assets against claims alleging wrongful acts in their capacity as directors and officers. [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 describes D&O coverage it arranges as addressing three areas: personal asset protection for monetary judgments and settlements from an alleged breach of duty, loyalty or care; defense in civil, criminal, judicial, administrative, regulatory or arbitration proceedings; and workplace and employment protection for breach-of-fiduciary-duty and employment-related suits. [3](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") (Evidence: Company-reported; scope: Product-page marketing description; the issued policy's insuring agreements, conditions and exclusions control an actual claim..)<br><br>HUB says D&O claims it sees can come from regulators, donors, clients or customers, suppliers, competitors, employees, shareholders and creditors. [3](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") (Evidence: Company-reported; scope: Product-page list of potential claim sources; not a guarantee of coverage for any specific claimant..) |
| Role in This Line | Private Company D&O is one module within Cowbell's distribution of Zurich's Select Plus management liability product; Cowbell gives Zurich-appointed E&S wholesalers platform access, and Zurich underwrites the module. Zurich's own page labels this module 'Private Management and Company Liability' rather than plain 'D&O.' [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 D&O liability coverage for private, nonprofit and public-company clients as part of its ProEx Professional & Executive Risk practice, rather than underwriting the policy itself. [3](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/ "Directors and Officers (D&O) Liability Insurance Broker") [4](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Company-reported; scope: D&O product page and ProEx coverage list, read 2026-09-23. Neither page names an issuing insurer..) |
| Risk Services | Cowbell frames D&O coverage as a way to help attract and retain directors and officers by giving them personal-asset protection, and says the product covers legal fees, settlements, and other defense costs for the company and its management. [1](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") (Evidence: Company-reported; scope: FAQ 'Why does my company need management liability coverage?'..) | HUB says its ProEx practice, which lists D&O among its Executive Liability coverages, provides analytics, litigation support and risk-management services to clients of all sizes, led by a named ProEx practice leader. [4](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Company-reported; scope: ProEx page team and services description; not specific to a single D&O engagement..) |

## About Cowbell and HUB International and D&O 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 Directors and Officers Insurance?](https://spot.insure/coverage/directors-officers)

## Related Pages for Cowbell vs HUB International D&O Insurance

- [Cowbell vs HUB International](https://spot.insure/compare/cowbell-vs-hub-international): all coverage lines, business roles, service and claims.
- [What Is Directors and Officers Insurance?](https://spot.insure/coverage/directors-officers): D&O insurance can protect leaders and, in some policies, the company from covered management claims; company coverage, defense costs and limits differ by quote.
- [Cowbell D&O Insurance](https://spot.insure/insurance-providers/cowbell/directors-officers)
- [HUB International D&O Insurance](https://spot.insure/insurance-providers/hub-international/directors-officers)

## Sources for Cowbell vs HUB International D&O 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?' (D&O definition); FAQ 'Why does my company need management liability coverage?' (Protection for Directors and Officers, Legal Expense Coverage, Attracting and Retaining Talent bullets); Target industries list. 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 'Private Management and Company Liability'; 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. [Directors and Officers (D&O) Liability Insurance Broker](https://www.hubinternational.com/products/business-insurance/directors-and-officers-insurance/). HUB International; Target segments: private companies, nonprofit organizations, public companies; Personal Asset Protection, Claims Protection, Workplace & Employment Protection; list of potential claimants; 2016 private-company D&O claim statistic; Connect With a Broker call to action. Accessed 2026-09-23.
4. [HUB ProEx](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/). HUB International; ProEx Coverages list including Directors & Officers Liability (D&O) and Side-A Only Excess D&O under Executive Liability; Claims & Legal Support section; ProEx premium volume statement. 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.

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