---
title: "Cowbell vs The Hartford: Crime Insurance"
description: "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."
canonical: "https://spot.insure/compare/cowbell-vs-the-hartford/crime"
page-type: "line-comparison"
updated-at: "2026-09-25"
comparison-pair: "cowbell-vs-the-hartford"
provider-a: "cowbell"
provider-b: "the-hartford"
coverage-line: "crime"
---

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[Human-readable page](https://spot.insure/compare/cowbell-vs-the-hartford/crime)

## Agent Guide

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

**Questions this page answers:**
- Cowbell vs The Hartford for Crime Insurance: how do they differ?
- Which is better for Crime Insurance, Cowbell or The Hartford?
- What does Cowbell or The Hartford publish about Crime Insurance (limits, eligibility, claims, add-ons)?

**Key facts:**
- Line: Crime Insurance. Providers: Cowbell and The Hartford.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}/{line}` with a before b). A reversed pair redirects permanently to the alphabetical one.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- 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; last updated 2026-09-25.

**Related pages:**
- [Cowbell vs The Hartford](https://spot.insure/compare/cowbell-vs-the-hartford) — all coverage lines for this pair
- [Crime Insurance guide](https://spot.insure/coverage/crime) — how this coverage works
- [Cowbell profile](https://spot.insure/insurance-providers/cowbell) — provider profile
- [The Hartford profile](https://spot.insure/insurance-providers/the-hartford) — provider profile

# 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 targets smaller private companies through appointed wholesalers; The Hartford lists crime for private, public and nonprofit companies in Private Choice Premier and for financial institutions.

## Cowbell vs The Hartford Crime Insurance Summary

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](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") [2](https://www.zurichna.com/insurance/excess-and-surplus/small-business-management-liability "Small and Midsize Business Management Liability | Zurich Select Plus") [3](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote")

## 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](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") [1](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises")

### 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](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") [2](https://www.zurichna.com/insurance/excess-and-surplus/small-business-management-liability "Small and Midsize Business Management Liability | Zurich Select Plus") [3](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote")

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](https://www.zurichna.com/insurance/excess-and-surplus/small-business-management-liability "Small and Midsize Business Management Liability | Zurich Select Plus") [3](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote")

### 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](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") [3](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote")

## 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](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote")
- Confirm Cowbell access through an appointed Zurich E&S wholesaler and your employee and asset figures. [1](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises")
- Match employee theft, forgery and robbery on the bound forms to each company’s public description. [3](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") [1](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises")

## Cowbell vs The Hartford Crime Insurance Compared

| 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. [1](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..) | The Hartford's crime coverage is available to nonprofit organizations, publicly traded companies and privately-held companies as part of its management-liability lineup. [3](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") (Evidence: Company-reported; scope: 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. [1](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 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. [3](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") (Evidence: Company-reported; scope: 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](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") [2](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..) | 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. [3](https://www.thehartford.com/management-liability-insurance "Management Liability Insurance | Get a Quote") (Evidence: Company-reported; scope: Management liability product page as read 2026-09-23..) |

## About Cowbell and The Hartford and Crime Insurance

- [Cowbell company profile](https://spot.insure/insurance-providers/cowbell) · [Cowbell customer reviews](https://spot.insure/insurance-providers/cowbell/reviews)
- [The Hartford company profile](https://spot.insure/insurance-providers/the-hartford) · [The Hartford customer reviews](https://spot.insure/insurance-providers/the-hartford/reviews)
- [What Is Crime Insurance?](https://spot.insure/coverage/crime)

## Related Pages for Cowbell vs The Hartford Crime Insurance

- [Cowbell vs The Hartford](https://spot.insure/compare/cowbell-vs-the-hartford): 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 Crime Insurance](https://spot.insure/insurance-providers/cowbell/crime)
- [The Hartford Crime Insurance](https://spot.insure/insurance-providers/the-hartford/crime)

## Sources for Cowbell vs The Hartford Crime Insurance

### Sources About Cowbell

1. [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.
2. [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.

### Sources About The Hartford

3. [Management Liability Insurance | Get a Quote](https://www.thehartford.com/management-liability-insurance). The Hartford; Crime Insurance section; Who Does Management Liability Insurance Protect?; Management and Professional Liability Insurance for Financial Institutions (Bond and commercial crime (fidelity)). Accessed 2026-09-23.

Updated 2026-09-25. 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.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/cowbell-vs-the-hartford/crime.md)
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