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. 1,2,3
Read the Cowbell Employment Practices Liability Insurance page
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. 5,6
Read the Marsh McLennan Agency profile
Read the Marsh McLennan Agency Employment Practices Liability Insurance page
What Is Employment Practices Liability Insurance?
EPLI can help pay covered defense costs and losses when applicants or workers allege discrimination, harassment, wrongful termination or other workplace wrongdoing. If you employ people, check the claim definition, defense costs and prior acts. 8,9,10
What Are the Key Differences Between Cowbell and Marsh McLennan Agency Employment Practices Liability Insurance?
Claim categories in the product descriptions
Cowbell describes EPL as covering discrimination, wrongful termination, harassment and other employment-related issues. Marsh McLennan Agency names discrimination, harassment and failure to provide equal employment opportunity, with defense costs and damages. The lists overlap on discrimination and harassment but give a buyer different examples to test; ask how the proposed form defines each allegation and which defense expenses are included. 4 7
Retaliation and protected activity
Cowbell says retaliation for a legally protected activity, such as filing a complaint or whistleblowing, is among the EPL allegations it identifies as frequent. MMA’s selected claim names employment discrimination, harassment and equal-opportunity matters and describes defense costs and damages. For an employee complaint followed by an adverse employment action, ask each provider to map both allegations to the policy definitions, reporting trigger and any applicable retention. These examples do not determine how a specific claim will be covered. 4 7
What Should You Confirm in Cowbell and Marsh McLennan Agency Employment Practices Liability Insurance Quotes?
Cowbell and Marsh McLennan Agency Review Scores for 2026
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
Cowbell Review Score
Review Score
1 rated source
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.[8]
Read Cowbell reviewsMarsh McLennan Agency Review Score
Review Score
2 rated sources
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.[8][9][1]
Read Marsh McLennan Agency reviewsCowbell vs Marsh McLennan Agency Employment Practices Liability Compared
Cowbell vs Marsh McLennan Agency: Employment Practices Liability Insurance: documented features by provider
| Criteria | Cowbell / Zurich Select Plus Employment Practices Liability | Marsh McLennan Agency employment practices (official overview) |
|---|---|---|
| Role in This Line | Employment practices liability (EPL) is one module within Cowbell's distribution of Zurich's Select Plus management liability product; Cowbell operates the platform, Zurich underwrites. Zurich's own page names this module 'Employment Practices and Third-Party Discrimination Liability,' broader than the plain 'EPL' shorthand Cowbell's FAQ uses. 4,3Company-reported. Management liability page intro and module list; Zurich page module-name section. | Marsh McLennan Agency describes arranging employment practices for the audience stated on the cited product page. 7Company-reported. employment practices 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 EPL, 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 EPL module. 4,3Company-reported. Management liability page intro; Zurich page intro and footer. | Confirm in your quote. |
| Who It’s For | Cowbell targets this EPL module at private companies with under 250 employees and under $50M in assets, across industries such as retail, hospitality, and manufacturing. 4Company-reported. FAQ 'What size accounts are targeted?' and Target industries list. | Employers and organizations seeking executive liability solutions; claim and policy conditions remain form-specific. 7Company-reported. employment practices 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 EPL as covering claims related to employment practices, including discrimination, wrongful termination, harassment, and other employment-related issues. 4Company-reported. FAQ 'What is the difference between management liability and D&O?'. Cowbell says EPL claims are the most common type of management liability claim overall, most frequently alleging discrimination, wrongful termination, harassment, or retaliation for a legally protected activity such as filing a complaint or whistleblowing. 4Company-reported. FAQ 'What is the most common management liability claim?'. | The cited product page describes EPL for employment-related claims such as discrimination, harassment, or failure to provide equal employment opportunity, including described defense costs and damages. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. 7Company-reported. employment practices 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 EPL limit or retention amounts. 4,3Not publicly disclosed. 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. 7Not publicly disclosed. Only the cited marketing page was reviewed for published limit and retention information; no policy-form entitlement is inferred. |
| How to Apply | This EPL module is accessed only by appointed Zurich E&S wholesalers through the Cowbell platform's API; it is not sold directly to businesses. 4Company-reported. 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. 7Company-reported. employment practices 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. |
Related Pages for Cowbell vs Marsh McLennan Agency
Employment Practices Liability Pages for Cowbell and Marsh McLennan Agency
Other Coverage Lines Compared for Cowbell vs Marsh McLennan Agency
Other Employment Practices Liability Insurance Provider Comparisons
Sources for Cowbell vs Marsh McLennan Agency
Sources About Cowbell
- Cowbell. Cowbell; What We Do; Assess, Insure, Respond and Improve; U.S. navigation; footer legal disclosure. Accessed 2026-09-15.
- Prime Tech Product Overview. 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.
- Small and Midsize Business Management Liability | Zurich Select Plus. Zurich North America; Intro on the Zurich/Cowbell collaboration; module name 'Employment Practices and Third-Party Discrimination Liability'; FAQ 'What is the difference between management liability and D&O?' and 'What is the most common management liability claim?' (identical to Cowbell's page); Targeted industries list; footer copyright. Accessed 2026-09-23.
- Management liability coverage for small & medium enterprises. Cowbell; FAQ 'What is the difference between management liability and D&O?' (EPL definition); FAQ 'What is the most common management liability claim?' (EPL claim types); Target industries list. Accessed 2026-09-23.
Sources About Marsh McLennan Agency
- Who We Are. 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.
- Small Business Insurance Solutions. 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.
- Executive and Professional Liability | MMA. Marsh McLennan Agency; Employment Practices Liability section; example employment claims, defense costs, and damages. Accessed 2026-09-30.
Sources for the Employment Practices Liability Insurance Guide
- Employment Practices Liability Insurance. Insurance Information Institute; Opening; What EPLI covers; Steps to limit employment liability risk. Accessed 2026-09-16.
- Employment Practices Liability Coverage. Travelers; I.A/II.A p.1; III.A.4–6 p.7; II.F Employment Claim, PDF p.2; I.B p.1; II.U–V p.5; II.L p.3; III.A.9 and A.13, pp.7–8; III.B.2 p.8; IV.A Settlement, PDF pp.8–9. Accessed 2026-09-16.
- Liability Coverage Terms and Conditions. Travelers; III.F–H p.6; III.O pp.8–9; III.F p.6; III.B–D, PDF pp.3–5; III.E–F, PDF pp.5–6. Accessed 2026-09-16.
