---
title: "Cowbell vs HUB International Management Liability Insurance"
description: "Cowbell platforms Zurich Select Plus for appointed wholesalers; HUB’s ProEx practice brokers a wider executive-liability catalogue with attorney claims support."
canonical: "https://spot.insure/compare/cowbell-vs-hub-international/management-liability"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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

# Cowbell vs HUB International Management Liability Insurance

Cowbell platforms Zurich Select Plus for appointed wholesalers; HUB’s ProEx practice brokers a wider executive-liability catalogue with attorney claims support.

## Research Scope and Use

Use this comparison to evaluate Cowbell and HUB International for Management Liability 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 gives Zurich-appointed E&S wholesalers API access to Select Plus on Zurich paper. HUB’s ProEx practice brokers executive liability—including Side-A excess D&O—and describes attorney-led claims support, without naming an insurer. [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/employment-practices-liability/ "HUB ProEx")

## 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 Management Liability Insurance?

Management liability brings together coverage options for risks associated with running an organization, such as directors and officers liability and employment practices liability. [9](https://content.naic.org/glossary-insurance-terms "Glossary of Insurance Terms") [10](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance") [11](https://www.chubb.com/us-en/business-insurance/forefront.html "The ForeFront Portfolio")

## Key Differences in Management Liability Insurance

### Named Zurich Form Versus Open-Market ProEx

Cowbell is the distribution platform for Zurich Select Plus, which both companies describe as Zurich admitted paper. HUB’s ProEx practice brokers executive liability rather than underwriting it, and its reviewed pages do not name the insurers that issue those policies. [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/employment-practices-liability/ "HUB ProEx")

### Wholesale API Versus Client-Facing Practice

Select Plus is reached only by wholesalers already appointed by Zurich E&S, through Cowbell’s API. HUB describes a client-facing ProEx account team and says the practice places more than $2 billion in premium. A business cannot buy Select Plus from Cowbell directly. [4](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") [8](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx")

### Four Zurich Modules Versus a Longer Executive List

Select Plus combines up to four modules: private management and company liability, employment practices and third-party discrimination, fiduciary and crime. HUB’s Executive Liability list also includes Side-A-only excess D&O, employed lawyers E&O, kidnap/ransom/extortion and workplace violence. [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/employment-practices-liability/ "HUB ProEx")

HUB describes a Claims & Legal Risks Group of attorneys for ProEx claims. Cowbell frames Select Plus around Zurich’s claims service and faster quoting through its technology, not a Cowbell attorney unit. Cowbell also states SME size caps (under 250 employees and $50 million in assets). [8](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [4](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises")

## What to Confirm in Management Liability Insurance Quotes

- Confirm whether your path to Select Plus is an appointed Zurich E&S wholesaler, versus a ProEx placement HUB would market more broadly. [4](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") [8](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx")
- Get HUB’s issuing insurer; Cowbell’s product is described as Zurich paper. [8](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [4](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises")
- Ask HUB about Side-A excess or kidnap/ransom if those exposures matter, and which Select Plus modules Cowbell’s wholesaler would bind. [8](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [3](https://www.zurichna.com/insurance/excess-and-surplus/small-business-management-liability "Small and Midsize Business Management Liability | Zurich Select Plus")
- Check Cowbell’s SME thresholds and HUB’s limits on the quote; neither page publishes dollar figures. [4](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") [8](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx")

## Offering Details

| Criteria | Cowbell / Zurich Select Plus Management Liability | HUB ProEx Management Liability Insurance Brokerage |
| --- | --- | --- |
| Role in This Line | Cowbell is the distribution platform, not the insurer: it gives Zurich-appointed E&S wholesalers API access to Zurich's Select Plus management liability product, a modular suite Zurich already sells to larger companies, sized down for small and midsize private businesses. Zurich's own page confirms Select Plus is 'Zurich Insurance, in collaboration with Cowbell,' offered as a 'proprietary form,' with identical FAQ wording to Cowbell's page. [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: Cowbell intro paragraph and FAQ; Zurich intro and 'Delivering speed from quoting to policy issuance' section..) | HUB brokers management liability coverage through its ProEx Professional & Executive Risk practice, packaging lines such as D&O, employment practices liability and fiduciary liability under an Executive Liability umbrella rather than underwriting any of them itself. [8](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Company-reported; scope: ProEx page coverage list, read 2026-09-23; the page does not name an issuing insurer for any listed line..) |
| Issuing Insurer | Both Cowbell and Zurich say the product is offered on Zurich admitted paper and backed by 'the reputable Zurich Claims service.' Neither page names the specific underwriting Zurich subsidiary or policy-issuing entity; Zurich's site footer copyright reads 'Zurich American Insurance Company,' but that is a general site-wide notice, not a stated policy-issuer confirmation for Select Plus specifically. [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..) | HUB says ProEx places more than $2 billion in premium, which it says improves carrier negotiations, but does not name the insurers that issue management liability policies through the practice. [8](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Company-reported; scope: ProEx page market-leverage statement; the carrier for a specific placement depends on the quote..) |
| Who It’s For | Cowbell says the product targets SME private companies with under 250 employees and under $50M in assets, and lists target industries including specialty chemicals, technology, energy/utilities, construction, manufacturing, hospitality, retail, and integrated freight & logistics. [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..) | Not described in the reviewed sources. |
| Coverage Features | Zurich's own page names the four Select Plus modules as 'Private Management and Company Liability,' 'Employment Practices and Third-Party Discrimination Liability,' 'Fiduciary Liability,' and 'Crime Insurance' -- broader labels than the plain 'D&O' and 'EPL' shorthand Cowbell's FAQ uses -- and says a buyer can combine up to four of these modules into one policy. [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: Zurich page 'Protect your small to midsize business with Zurich's Select Plus Management Liability solutions' section..)<br><br>Cowbell describes management liability as a modular umbrella covering four lines within the Select Plus product: private company D&O, employment practices liability, fiduciary liability, and crime, each addressing a different category of management or employee risk. [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's ProEx Executive Liability coverages include directors and officers liability (D&O), side-A-only excess D&O, employment practices liability, fiduciary liability, employed lawyers errors and omissions, crime and fidelity coverage, kidnap, ransom and extortion insurance, and workplace violence coverage. [8](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Company-reported; scope: ProEx page coverage list; the page describes the practice's catalogue, not the insuring agreements or exclusions of any one issued policy..)<br><br>HUB's technology-industry page separately groups crime, D&O, employment practices liability, fiduciary liability and transactional or warranty insurance under "Management Liability" as coverages it arranges for technology clients, largely overlapping with the ProEx Executive Liability list. [7](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") (Evidence: Company-reported; scope: Technology-industry page People Protection and Management Liability lists; a marketing grouping, not a single bundled policy..) |
| Limits and Retentions | Neither the Cowbell page nor Zurich's own Select Plus page publishes limit or retention amounts for the modules; both were read in full and neither discloses a figure. [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 management liability policy limits or retentions were not found on the reviewed pages. [8](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") [7](https://www.hubinternational.com/industries/technology-company-insurance/ "Insurance for Technology Companies") (Evidence: Not publicly disclosed; scope: Checked the ProEx page and technology-industry page on 2026-09-23; limits are set on the quote and declarations..) |
| Risk Services | Cowbell says the product is backed by Zurich's claims service, and frames the offering's advantage as faster quoting and issuance through Cowbell's technology platform compared with Zurich's standard process, rather than describing separate risk-control services. [4](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") (Evidence: Company-reported; scope: Page intro and FAQ 'What makes the Zurich Select Plus offering through Cowbell unique?'..) | HUB says ProEx provides an inclusive service model with analytics, litigation support and risk management across client sizes, a "boundaryless" account team of local, national and international specialists, and D&O modeling that incorporates ESG risk analysis alongside white papers, webinars and events on emerging exposures. [8](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Company-reported; scope: ProEx page service-model and analytics sections..) |
| How to Apply | Access is limited to appointed wholesalers of Zurich Excess & Surplus (E&S): a wholesaler already appointed by Zurich E&S can reach the product through the Cowbell platform via API, and is directed to contact a Cowbell or Zurich representative to set that up. The product 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?'..) | Not described in the reviewed sources. |
| Claims Support | Cowbell says the most common management liability claims fall under employment practices liability, citing discrimination, wrongful termination, harassment, and retaliation as the most frequent claim types. [4](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") (Evidence: Company-reported; scope: FAQ 'What is the most common management liability claim?'; describes claim frequency, not Cowbell's own claims-handling process..) | HUB describes a Claims & Legal Risks Group of attorneys who specialize in ProEx coverages, handling policy-wording review and claim recovery for management liability claims. [8](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/ "HUB ProEx") (Evidence: Company-reported; scope: ProEx page claims and legal support section..) |

## Full Comparison

- [Cowbell vs HUB International](https://spot.insure/compare/cowbell-vs-hub-international): all coverage lines, business roles, service and claims.
- [What Is Management Liability Insurance?](https://spot.insure/coverage/management-liability): Management liability packages can combine D&O, employment practices and other protection for the risks of running your business.
- [Cowbell vs HUB International Crime Insurance](https://spot.insure/compare/cowbell-vs-hub-international/crime)
- [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 Tech E&O Insurance](https://spot.insure/compare/cowbell-vs-hub-international/technology-errors-omissions)
- [Alliance Risk vs Cowbell Management Liability Insurance](https://spot.insure/compare/alliance-risk-vs-cowbell/management-liability)
- [Alliance Risk vs HUB International Management Liability Insurance](https://spot.insure/compare/alliance-risk-vs-hub-international/management-liability)
- [Beazley vs Cowbell Management Liability Insurance](https://spot.insure/compare/beazley-vs-cowbell/management-liability)
- [Beazley vs HUB International Management Liability Insurance](https://spot.insure/compare/beazley-vs-hub-international/management-liability)
- [CFC vs Cowbell Management Liability Insurance](https://spot.insure/compare/cfc-vs-cowbell/management-liability)
- [CFC vs HUB International Management Liability Insurance](https://spot.insure/compare/cfc-vs-hub-international/management-liability)

## 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: 'Zurich Insurance, in collaboration with Cowbell, offers the "Zurich Select Plus" proprietary form'; 'Delivering speed from quoting to policy issuance' section; module names (Private Management and Company Liability, Employment Practices and Third-Party Discrimination Liability, Fiduciary Liability, Crime Insurance); Targeted industries list; FAQ (identical to the Cowbell page's FAQ); footer copyright. Accessed 2026-09-23.
4. [Management liability coverage for small & medium enterprises](https://cowbell.insure/mgmt-liability/). Cowbell; Intro paragraph on the Zurich collaboration; FAQ: access, account size, what makes the offering unique, difference between management liability and D&O, why a company needs it, most common claim type; Target industries list. 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; Management Liability list: crime, directors & officers liability, employment practices liability, fiduciary liability, transactional/warranty insurance. Accessed 2026-09-23.
8. [HUB ProEx](https://www.hubinternational.com/products/business-insurance/employment-practices-liability/). HUB International; Executive Liability coverage list: D&O, Side-A Only Excess D&O, Employment Practices Liability, Fiduciary Liability, Employed Lawyers E&O, Crime/Fidelity, Kidnap Ransom and Extortion, Workplace Violence; Inclusive Service Model, Boundaryless Account Team, Market Leverage and Claims & Legal Support sections; analytics and thought-leadership description. Accessed 2026-09-23.

### Management Liability Insurance Guide

9. [Glossary of Insurance Terms](https://content.naic.org/glossary-insurance-terms). National Association of Insurance Commissioners; Directors & Officers Liability; Employment Practices Liability Coverage; introductory scope note. Accessed 2026-09-16.
10. [Management Liability Insurance](https://www.thehartford.com/management-liability-insurance). The Hartford; What Is Management Liability Insurance?; Who Does Management Liability Insurance Protect. Accessed 2026-09-16.
11. [The ForeFront Portfolio](https://www.chubb.com/us-en/business-insurance/forefront.html). Chubb; Introduction; optional coverage parts; private, not-for-profit and healthcare portfolios. 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.

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