Cowbell vs The Hartford: How Do They Compare for Crime Insurance?

Cowbell distributes Zurich's crime module for private companies under 250 employees and $50 million in assets, through appointed wholesalers; The Hartford includes crime as one of five Private Choice Premier options for nonprofits, public and private companies.

Cowbell fits private companies below 250 employees and $50 million in assets that can reach an appointed wholesaler; The Hartford names public companies, nonprofits and financial institutions among its crime buyers. ^1,^2,³

What Are the Key Differences Between Cowbell and The Hartford Crime Insurance?

The Hartford names public companies and nonprofits, categories outside Cowbell’s stated private-company target; it also describes a separate bond and commercial-crime track for financial institutions. Cowbell’s crime coverage is a module in Select Plus. ³ ¹

Two Management-Liability Packages

Cowbell distributes Zurich’s Select Plus product, where crime is one of four modules Zurich underwrites. The Hartford’s crime insurance is one of five options in Private Choice Premier and is also offered as bond and commercial crime (fidelity) within its financial-institutions product track. ¹ ² ³

Cowbell and Zurich say Select Plus modules including crime sit on Zurich admitted paper. The Hartford describes crime inside those two Hartford product tracks. ² ³

How Each Describes the Perils

Cowbell’s FAQ describes theft, fraud and embezzlement by employees or third parties. The Hartford says crime insurance helps cover business-related crimes like employee theft, forgery or robbery, giving as an example an employee stealing money from a cash register. ¹ ³

What Should You Confirm in Cowbell and The Hartford Crime Insurance Quotes?

Ask The Hartford whether crime is inside Private Choice Premier or the financial-institutions fidelity track. ³
Confirm Cowbell access through an appointed Zurich E&S wholesaler and your employee and asset figures. ¹
Match employee theft, forgery and robbery on the bound forms to each company’s public description. ³ ¹

Cowbell vs The Hartford Crime Insurance Compared

Cowbell vs The Hartford: Crime Insurance: documented features by provider

Criteria	Cowbell / Zurich Select Plus Crime Coverage	The Hartford Crime Insurance
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. ¹Company-reported. FAQ 'What size accounts are targeted?' and Target industries list.	The Hartford's crime coverage is available to nonprofit organizations, publicly traded companies and privately-held companies as part of its management-liability lineup. ³Company-reported. Management liability product page as read 2026-09-23.
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. ¹Company-reported. FAQ 'What is the difference between management liability and D&O?'.	The Hartford says crime insurance helps cover business-related crimes like employee theft, forgery or robbery, giving as an example an employee stealing money from a cash register. ³Company-reported. Management liability product page as read 2026-09-23. General coverage description; the issued policy controls.
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. ^1,²Company-reported. Management liability page intro and module list; Zurich page module-name section.	The Hartford's crime insurance is one of five options in its Private Choice Premier management-liability package, and is offered separately as bond and commercial crime (fidelity) coverage within its financial-institutions product track. ³Company-reported. Management liability product page as read 2026-09-23.