---
title: "Cowbell vs Marsh McLennan Agency: Crime Insurance"
description: "Cowbell distributes Zurich-underwritten crime as a Select Plus module for smaller private companies; Marsh McLennan Agency identifies crime placement without publishing eligibility or terms."
canonical: "https://spot.insure/compare/cowbell-vs-marsh-mclennan-agency/crime"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "cowbell-vs-marsh-mclennan-agency"
provider-a: "cowbell"
provider-b: "marsh-mclennan-agency"
coverage-line: "crime"
---

Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication.

[Human-readable page](https://spot.insure/compare/cowbell-vs-marsh-mclennan-agency/crime)

## Agent Guide

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

**Questions this page answers:**
- Cowbell vs Marsh McLennan Agency for Crime Insurance: how do they differ?
- Which is better for Crime Insurance, Cowbell or Marsh McLennan Agency?
- What does Cowbell or Marsh McLennan Agency publish about Crime Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Crime Insurance from Cowbell or Marsh McLennan Agency?

**Key facts:**
- Line: Crime Insurance. Providers: Cowbell and Marsh McLennan Agency.
- Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- "Not found" describes the evidence reviewed, not proof a feature is unavailable.
- 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 in the Sources section; last updated 2026-09-30. Editorial policy: /editorial-policy.

**Related pages:**
- [Cowbell vs Marsh McLennan Agency](https://spot.insure/compare/cowbell-vs-marsh-mclennan-agency) — parent: all coverage lines for this pair
- [Crime Insurance guide](https://spot.insure/coverage/crime) — coverage explainer for this line
- [Cowbell profile](https://spot.insure/insurance-providers/cowbell) — provider profile (evidence)
- [Marsh McLennan Agency profile](https://spot.insure/insurance-providers/marsh-mclennan-agency) — provider profile (evidence)
- [Cowbell vs Marsh McLennan Agency Cyber Insurance](https://spot.insure/compare/cowbell-vs-marsh-mclennan-agency/cyber) — sibling comparison (other line, or other pair for this line)
- [Cowbell vs Marsh McLennan Agency Fiduciary Liability Insurance](https://spot.insure/compare/cowbell-vs-marsh-mclennan-agency/fiduciary) — sibling comparison (other line, or other pair for this line)
- [AIG vs Cowbell Crime Insurance](https://spot.insure/compare/aig-vs-cowbell/crime) — sibling comparison (other line, or other pair for this line)
- [AIG vs Marsh McLennan Agency Crime Insurance](https://spot.insure/compare/aig-vs-marsh-mclennan-agency/crime) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Cowbell Crime Insurance](https://spot.insure/compare/alliance-risk-vs-cowbell/crime) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Marsh McLennan Agency Crime Insurance](https://spot.insure/compare/alliance-risk-vs-marsh-mclennan-agency/crime) — sibling comparison (other line, or other pair for this line)
- [Aon vs Cowbell Crime Insurance](https://spot.insure/compare/aon-vs-cowbell/crime) — sibling comparison (other line, or other pair for this line)
- [Aon vs Marsh McLennan Agency Crime Insurance](https://spot.insure/compare/aon-vs-marsh-mclennan-agency/crime) — sibling comparison (other line, or other pair for this line)

# Cowbell vs Marsh McLennan Agency: How Do They Compare for Crime Insurance?

Cowbell distributes Zurich-underwritten crime as a Select Plus module for smaller private companies; Marsh McLennan Agency identifies crime placement without publishing eligibility or terms.

## Research Scope and Use

Use this comparison to evaluate Cowbell and Marsh McLennan Agency 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-underwritten crime as a Select Plus module for smaller private companies; Marsh McLennan Agency identifies crime placement without publishing eligibility or terms. [4](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") [7](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability | MMA")

## What Is Cowbell Insurance?

Cowbell suits small and midsize businesses seeking cyber options by company size, with technology E&O and Zurich management-liability options also available; firms needing broad commercial coverage should compare a full-service broker. Some security services cost extra. [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 Marsh McLennan Agency?

Marsh McLennan Agency provides business insurance and employee health and benefits, alongside retirement, wealth, and private-client services across the United States and Canada. Its US small-business page lists six common coverage types and directs buyers to request a personalized quote by phone; the insurer and terms for a specific placement must be confirmed in the proposal. [5](https://www.marshmma.com/us/mma/about-us.html "Who We Are") [6](https://www.marshmma.com/us/solutions/small-business.html "Small Business Insurance Solutions")

[Marsh McLennan Agency profile](https://spot.insure/insurance-providers/marsh-mclennan-agency)

## What Is Crime Insurance?

Crime insurance can help reimburse specified business losses from theft and fraud, including employee theft and forgery. Compare those protections separately and ask whether a payment sent after an impersonation scam is covered. [8](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [9](https://www.travelers.com/business-insurance/professional-liability-insurance/apps-forms/crime-non-financial-institutions "Crime Non-Financial Applications and Forms") [10](https://asset.trvstatic.com/download/assets/cri-3001.pdf/98f30f1063c911eeb2f1deb19c93b21f "Crime Terms and Conditions") [11](https://www.chubb.com/us-en/business-insurance/social-engineering-fraud-coverage-for-crime-insurance.html "Social Engineering Fraud Insurance") [12](https://asset.trvstatic.com/download/assets/cri-1100w-ind.pdf/9aa2577663c911ee91291279531924d3 "Commercial Crime Coverage Application")

## Key Differences in Crime Insurance

### What the Offering Describes

Cowbell describes crime as one module in Zurich’s Select Plus management-liability product, covering theft, fraud and embezzlement by employees or third parties. Marsh McLennan Agency names commercial crime and fidelity without describing the insured events. Buyers should ask whether Marsh McLennan Agency’s proposed form covers both employee and outsider acts and whether crime is part of a larger package. [4](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") [7](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability | MMA")

### Limits, Eligibility and Handling

Cowbell targets private companies with fewer than 250 employees and under $50 million in assets; it is accessed by appointed Zurich E&S wholesalers through the Cowbell API, not sold directly to businesses. Marsh McLennan Agency describes organizations seeking executive and professional liability solutions and routes them to an adviser. Confirm whether your business fits Cowbell’s thresholds and which Marsh McLennan Agency market would consider it. [4](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") [7](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability | MMA")

### Starting a Crime Placement

Cowbell and Zurich describe the modules as written on Zurich admitted paper, but do not identify the specific issuing entity for this crime module. Marsh McLennan Agency’s overview also does not identify the issuer. Request the declarations and claims contact from whichever broker places the policy. [4](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") [7](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability | MMA")

## What to Confirm in Crime Insurance Quotes

- Does your company meet Cowbell’s under-250-employee and under-$50-million-asset target, and can your appointed wholesaler access the module? Ask Marsh McLennan Agency for the proposed carrier, package structure and crime form. [4](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") [7](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability | MMA")

## Offering Details

| Criteria | Cowbell / Zurich Select Plus Crime Coverage | Marsh McLennan Agency crime (official overview) |
| --- | --- | --- |
| 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..) | Marsh McLennan Agency describes arranging crime for the audience stated on the cited product page. [7](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability | MMA") (Evidence: Company-reported; scope: crime marketed by marsh-mclennan-agency; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement..) |
| 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..) | Confirm in your quote. |
| 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..) | Organizations seeking executive and professional liability solutions; the page describes a dedicated practice group. [7](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability | MMA") (Evidence: Company-reported; scope: crime marketed by marsh-mclennan-agency; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement..) |
| 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?'..) | The cited product page describes commercial crime/fidelity as a named executive and professional liability product; the overview does not specify insured events or terms. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. [7](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability | MMA") (Evidence: Company-reported; scope: crime marketed by marsh-mclennan-agency; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement..) |
| 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..) | The cited overview does not set a universal limit or retention for this line. Ask for the proposed policy form, limits, retentions, exclusions, and conditions in the quote. [7](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability | MMA") (Evidence: Not publicly disclosed; scope: Only the cited marketing page was reviewed for published limit and retention information; no policy-form entitlement is inferred..) |
| 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..) | Confirm in your quote. |
| 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?'..) | The page invites organizations to contact a Marsh McLennan Agency adviser or specialist to discuss placement. The page does not establish a quote, bind, or coverage-effective timeline. [7](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html "Executive and Professional Liability | MMA") (Evidence: Company-reported; scope: crime marketed by marsh-mclennan-agency; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement..) |

## Full Comparison

- [Cowbell vs Marsh McLennan Agency](https://spot.insure/compare/cowbell-vs-marsh-mclennan-agency): 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 vs Marsh McLennan Agency Cyber Insurance](https://spot.insure/compare/cowbell-vs-marsh-mclennan-agency/cyber)
- [Cowbell vs Marsh McLennan Agency Fiduciary Liability Insurance](https://spot.insure/compare/cowbell-vs-marsh-mclennan-agency/fiduciary)
- [AIG vs Cowbell Crime Insurance](https://spot.insure/compare/aig-vs-cowbell/crime)
- [AIG vs Marsh McLennan Agency Crime Insurance](https://spot.insure/compare/aig-vs-marsh-mclennan-agency/crime)
- [Alliance Risk vs Cowbell Crime Insurance](https://spot.insure/compare/alliance-risk-vs-cowbell/crime)
- [Alliance Risk vs Marsh McLennan Agency Crime Insurance](https://spot.insure/compare/alliance-risk-vs-marsh-mclennan-agency/crime)
- [Aon vs Cowbell Crime Insurance](https://spot.insure/compare/aon-vs-cowbell/crime)
- [Aon vs Marsh McLennan Agency Crime Insurance](https://spot.insure/compare/aon-vs-marsh-mclennan-agency/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.

### Marsh McLennan Agency

5. [Who We Are](https://www.marshmma.com/us/mma/about-us.html). Marsh McLennan Agency; Lines 193-195: ‘a business of Marsh’ and company-listed service lines across US and Canada. This does not establish the legal entity for an account, corporate ownership chart, or insurer role.. Accessed 2026-09-29.
6. [Small Business Insurance Solutions](https://www.marshmma.com/us/solutions/small-business.html). Marsh McLennan Agency; Lines 205-207: small-business audience and call invitation; lines 224-249 list six coverage categories and short descriptions; line 264 is an embedded form whose function is not stated. No form submitted.. Accessed 2026-09-29.
7. [Executive and Professional Liability | MMA](https://www.marshmma.com/us/solutions/executive-and-professional-liability.html). Marsh McLennan Agency; Policy suite lists commercial crime/fidelity among executive and professional liability offerings.. Accessed 2026-09-30.

### Crime Insurance Guide

8. [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.
9. [Crime Non-Financial Applications and Forms](https://www.travelers.com/business-insurance/professional-liability-insurance/apps-forms/crime-non-financial-institutions). Travelers; Opening paragraph; Sample Policy Forms. Accessed 2026-09-16.
10. [Crime Terms and Conditions](https://asset.trvstatic.com/download/assets/cri-3001.pdf/98f30f1063c911eeb2f1deb19c93b21f). The Travelers Companies, Inc.; I.A–G, printed/PDF pages 1–4; III.RR, printed/PDF p.13; V.B.1–2, printed/PDF pp.18–20; Consideration, printed/PDF p.1; III.P p.8; V.A.3 pp.16–17; V.A.4 p.17; V.B.3 p.20; I.A.3 p.1; III.C p.7; III.S pp.8–9; III.II and III.KK p.12; III.QQ p.13; V.A.5 pp.17–18 (printed/PDF pages); IV.J–O, printed/PDF pages 14–15. Accessed 2026-09-16.
11. [Social Engineering Fraud Insurance](https://www.chubb.com/us-en/business-insurance/social-engineering-fraud-coverage-for-crime-insurance.html). Chubb; Opening; coverage highlights. Accessed 2026-09-16.
12. [Commercial Crime Coverage Application](https://asset.trvstatic.com/download/assets/cri-1100w-ind.pdf/9aa2577663c911ee91291279531924d3). Travelers Casualty and Surety Company of America; I–III pages 1–2; IX–XI pages 3–4; V–VII, printed/PDF pages 2–3. Accessed 2026-09-16.

Updated 2026-09-30. 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.

## Cowbell Reviews

Review Score: 2.0 / 10 from 1 rated source, equally weighted.

Cowbell has one public rating we could find: 1.0 out of 5 on SourceForge from three reviews in 2023. That's too few and too old to say much.

- SourceForge: SourceForge rating 1.0 (out of 5); 3 reviews. SourceForge software directory listing for Cowbell Cyber. Three small-business reviewers describe the cyber insurance product. Small sample, all from 2023. Period: reviews dated Jan to Jul 2023. Checked 2026-09-29. [Cowbell Cyber Reviews](https://sourceforge.net/software/product/Cowbell-Cyber/)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/cowbell/reviews).

## Marsh McLennan Agency Reviews

Review Score: 8.2 / 10 from 2 rated sources, equally weighted.

There are almost no public customer reviews of Marsh McLennan Agency (MMA). Trustpilot shows 3.2 out of 5, but from a single review, and BBB shows an A grade with four complaints closed in three years.

- Trustpilot: TrustScore 3.2 (out of 5); 1 reviews. Trustpilot profile for marshmma.com, MMA's own domain. Unclaimed; MMA has not invited reviews. Period: checked 2026-09-29. Checked 2026-09-29. [marshmma.com Trustpilot profile](https://www.trustpilot.com/review/marshmma.com)
- Trustpilot: TrustScore (Marsh brand) 1.3 (out of 5); 115 reviews. Trustpilot page for marsh.com, the global Marsh brand (mostly individual and non-US customers). This is a different entity from MMA. Period: checked 2026-09-29. Checked 2026-09-29. [Marsh Reviews](https://www.trustpilot.com/review/www.marsh.com)
- BBB: BBB business grade A. BBB San Diego-area profile for Marsh & McLennan Agency LLC (accredited). MMA has separate BBB profiles per office; Dayton and Schaumburg both show A+. Checked 2026-09-29. [Marsh & McLennan Agency LLC (San Diego) BBB](https://www.bbb.org/us/ca/san-diego/profile/insurance-services-office/marsh-mclennan-agency-llc-1126-3000103)
- BBB: Complaints 4. Same San Diego-area profile; zero customer reviews. No client-count denominator. Period: closed in the last three years (checked 2026-09-29). Checked 2026-09-29. [Marsh & McLennan Agency LLC — BBB Complaints](https://www.bbb.org/us/ca/san-diego/profile/insurance-services-office/marsh-mclennan-agency-llc-1126-3000103/complaints); [Marsh & McLennan Agency LLC — BBB Reviews](https://www.bbb.org/us/ca/san-diego/profile/insurance-services-office/marsh-mclennan-agency-llc-1126-3000103/customer-reviews)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/marsh-mclennan-agency/reviews).

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/cowbell-vs-marsh-mclennan-agency/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)