---
title: "Cowbell vs HUB International: Fiduciary Liability Insurance"
description: "Cowbell’s Zurich Select Plus module targets private companies under 250 employees and $50 million in assets; HUB serves health and retirement plan sponsors and says D&O does not cover fiduciary exposure."
canonical: "https://spot.insure/compare/cowbell-vs-hub-international/fiduciary"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "cowbell-vs-hub-international"
provider-a: "cowbell"
provider-b: "hub-international"
coverage-line: "fiduciary"
---

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

## Agent Guide

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

**Key facts:**
- Line: Fiduciary Liability 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
- [Fiduciary Liability Insurance guide](https://spot.insure/coverage/fiduciary) — 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 Fiduciary Liability Insurance?

Cowbell distributes Zurich-underwritten fiduciary coverage for eligible private companies, only through insurance brokers appointed by Zurich, not directly to businesses; HUB International brokers fiduciary policies for employers with retirement or health-care plans.

Cowbell limits its module to private firms under 250 employees and $50 million in assets; HUB brokers fiduciary for employers with health and retirement plans.

## Cowbell vs HUB International Fiduciary Liability Insurance Summary

Cowbell’s Zurich Select Plus module targets private companies under 250 employees and $50 million in assets; HUB serves health and retirement plan sponsors and says D&O does not cover fiduciary exposure. [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/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers")

## What Are the Key Differences Between Cowbell and HUB International Fiduciary Liability Insurance?

### Carrier Versus Broker

Cowbell distributes the Zurich Select Plus module for private companies. HUB arranges fiduciary coverage for employers sponsoring health-care or retirement plans; it says the exposure is separate from 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") [3](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers")

### Size and Plan-Sponsor Focus

Cowbell’s target is private companies below 250 employees and $50 million in assets. HUB’s product page speaks to employers that offer health-care or retirement plans and that may face claims from participants, the Department of Labor, or the Pension Benefit Guaranty Corporation—without a published headcount or asset cap. [1](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") [3](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers")

### What Each Describes as Covered

Cowbell’s definition is a single sentence: claims from breaches of fiduciary duties on benefit plans such as a 401(k) or health plan. HUB lists a longer set of claim examples, including administrator or mutual-fund mistakes, benefits denials, insufficient funding, poor investment selection, and incorrect plan termination, and states that D&O does not cover this exposure. [1](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") [3](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers")

### Buying Path

Appointed Zurich E&S wholesalers reach Cowbell’s module through an API; businesses do not apply on Cowbell’s site. HUB sends prospects to “Connect With a Broker” rather than an online bind flow. [1](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") [3](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers")

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

- Identify the issuing carrier on both quotes: Cowbell’s reviewed pages say Zurich admitted paper, and HUB’s page leaves the insurer to the placement. [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/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers")
- Ask whether Cowbell’s module is combined with other Select Plus parts, and whether HUB is placing a standalone fiduciary form or a management-liability package. [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/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers")
- Get dollar limits; HUB’s $1 million figure is a claim-cost example, not a published policy limit, and Cowbell does not publish limits. [3](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers") [1](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises")
- Ask HUB how its prevention video or broker advice would apply to your plan administration, since the page does not describe a formal plan-review service. [3](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers")

## Cowbell vs HUB International Fiduciary Liability Insurance Compared

| Criteria | Cowbell / Zurich Select Plus Fiduciary Liability | HUB International Fiduciary Liability Insurance Brokerage |
| --- | --- | --- |
| Who It’s For | Cowbell targets this fiduciary 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, such as manufacturing and technology. [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 targets fiduciary liability brokerage at employers offering health-care or retirement benefit plans who face potential litigation from plan participants, the Department of Labor or the Pension Benefit Guaranty Corporation. [3](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers") (Evidence: Company-reported; scope: Product-page target-audience description; not a published underwriting appetite..) |
| How to Apply | This fiduciary 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 fiduciary liability prospects to "Connect With a Broker" or "Contact a HUB broker" rather than an online quote or bind flow. [3](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers") (Evidence: Company-reported; scope: Product-page calls to action..) |
| Coverage Features | Cowbell describes fiduciary liability as protecting against claims arising from breaches of fiduciary duties related to employee benefit plans, such as a company's 401(k) or health plan. [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 fiduciary liability claim scenarios it covers as including a plan's insurer, mutual fund or third-party administrator making bad choices, plan administration errors or conflicts of interest, benefits denial, changes or reductions, bad advice or improper counsel, insufficient plan funding, poor investment selection and incorrect plan termination. [3](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers") (Evidence: Company-reported; scope: Product-page list of covered claim scenarios; the issued policy's insuring agreement and exclusions control an actual claim..)<br><br>HUB states that fiduciary liability exposure "is not covered by director's and officers' liability policies," positioning fiduciary liability as a separate line from D&O rather than a bundled coverage. [3](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers") (Evidence: Company-reported; scope: Product-page statement distinguishing fiduciary liability from D&O..) |
| Role in This Line | Fiduciary liability 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 'Fiduciary Liability' 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 fiduciary liability insurance for employers that sponsor health-care and retirement benefit plans, rather than underwriting the coverage itself. [3](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/ "Fiduciary Liability Insurance Brokers") (Evidence: Company-reported; scope: Fiduciary liability product page, read 2026-09-23. The page does not name an issuing insurer..) |

## About Cowbell and HUB International and Fiduciary Liability 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 Fiduciary Liability Insurance?](https://spot.insure/coverage/fiduciary)

## Related Pages for Cowbell vs HUB International Fiduciary Liability

- [Cowbell vs HUB International](https://spot.insure/compare/cowbell-vs-hub-international): all coverage lines, business roles, service and claims.
- [What Is Fiduciary Liability Insurance?](https://spot.insure/coverage/fiduciary): Fiduciary liability can protect your company and plan fiduciaries from covered claims about benefit-plan management; check who is insured and whether administration errors are included.
- [Cowbell Fiduciary Liability Insurance](https://spot.insure/insurance-providers/cowbell/fiduciary)
- [HUB International Fiduciary Liability Insurance](https://spot.insure/insurance-providers/hub-international/fiduciary)

## Sources for Cowbell vs HUB International Fiduciary Liability 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?' (Fiduciary Liability 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 'Fiduciary 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. [Fiduciary Liability Insurance Brokers](https://www.hubinternational.com/products/business-insurance/fiduciary-liability-insurance/). HUB International; Target audience: employers offering health-care and retirement benefit plans; list of covered claim scenarios; statement distinguishing fiduciary liability from D&O; $1 million defense-and-settlement-cost reference; "Prevent Fiduciary Liability Claims" video; Connect With a Broker / Contact a HUB broker calls to action. 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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