Cowbell vs Nationwide: How Do They Compare for Fiduciary Liability Insurance?

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. ^4,3Company-reported. Management liability page intro and module list; Zurich page module-name section.

Nationwide describes offering fiduciary for the audience stated on the cited product page. ⁸Company-reported. fiduciary marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement.

Cowbell and Zurich both say the Select Plus modules, including fiduciary liability, 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. ^4,3Company-reported. Management liability page intro; Zurich page intro and footer.

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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. ⁴Company-reported. FAQ 'What size accounts are targeted?' and Target industries list.

Commercial organizations considering management-liability products; plan eligibility is policy-specific. ⁸Company-reported. fiduciary marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement.

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. ⁴Company-reported. FAQ 'What is the difference between management liability and D&O?'.

The cited product page describes fiduciary liability as a named commercial-liability product; the overview does not specify plan-specific coverage grants. Marketing description only; actual coverage, exclusions, conditions, limits, and availability depend on the issued policy and jurisdiction. ⁸Company-reported. fiduciary marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement.

Neither the Cowbell page nor Zurich's own Select Plus page, both read in full, publishes fiduciary-liability 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. ⁸Not publicly disclosed. Only the cited marketing page was reviewed for published limit and retention information; no policy-form entitlement is inferred.

Both Cowbell and Zurich describe the Select Plus product generally as backed by 'the reputable Zurich Claims service'; neither reviewed page describes a fiduciary-specific service such as plan-compliance consulting. ^4,3Not publicly disclosed. Management liability page intro; Zurich page intro, both read on 2026-09-23.

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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. ⁴Company-reported. FAQ 'How can I access the Zurich Select Plus management liability product through Cowbell?'.

The page directs prospective customers to contact an agent or request a quote. The page does not establish a quote, bind, or coverage-effective timeline. ⁸Company-reported. fiduciary marketed by nationwide; scope is limited to the cited official product overview and described audience. This is not a policy form or a universal eligibility statement.