Cowbell vs RiskCube Crime Insurance

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

RiskCube brokers commercial crime coverage as one of the lines in its startup insurance catalogue, comparing carrier options rather than underwriting the policy itself. ⁸Company-reported. Catalogue coverage-type list and lead paragraph; RiskCube did not publish a separate commercial crime landing page as of 2026-09-23.

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. ^4,3Company-reported. Management liability page intro; Zurich page intro and footer.

RiskCube's disclosures say it is not an insurance carrier and that its insurance products, including commercial crime, are underwritten and issued by third-party carriers it does not name. ⁷Company-reported. Company-wide entity and licensing disclosure; no carrier is identified for commercial crime specifically.

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

RiskCube calls commercial crime coverage "essential for startups handling client funds, payment data, or operating with a distributed team." ⁸Company-reported. Catalogue Commercial Crime card.

Cowbell describes crime coverage as protecting against losses resulting from criminal acts such as theft, fraud, and embezzlement committed by employees or third parties. ⁴Company-reported. FAQ 'What is the difference between management liability and D&O?'.

RiskCube describes commercial crime coverage as protecting a startup against financial losses caused by employee theft, fraud, forgery and social-engineering attacks. ⁸Company-reported. Catalogue Commercial Crime card summary.

Neither the Cowbell page nor Zurich's own Select Plus page, both read in full, publishes crime-coverage limit or retention amounts. ^4,3Not publicly disclosed. Cowbell page and Zurich page, both read on 2026-09-23.

RiskCube's catalogue does not publish specific limit or retention amounts for commercial crime. ⁸Not publicly disclosed. Catalogue as read on 2026-09-23; a dedicated commercial crime page was not available to check for a limits table.

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. ^4,3Not publicly disclosed. Management liability page and Zurich page, both read on 2026-09-23.

The reviewed catalogue page does not describe risk-control or other services specific to commercial crime, such as fidelity-fraud prevention programs. ⁸Not found in reviewed sources. Catalogue as read on 2026-09-23; a dedicated commercial crime page was not available.

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

RiskCube describes a roughly 10-minute digital intake followed by its AI agents and licensed brokers comparing top-rated carriers, aiming for vendor-ready proof of coverage in about 24 hours across the coverage types in its catalogue, including commercial crime. ⁸Company-reported. Catalogue process section; the timing is a general claim about the catalogue's application flow, not commercial-crime-specific.

Not described in the reviewed sources.

The reviewed catalogue page does not describe claims handling specific to commercial crime. ⁸Not found in reviewed sources. Catalogue as read on 2026-09-23; a dedicated commercial crime page was not available.