Cowbell vs USI Insurance Services 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.

USI brokers crime insurance, which covers losses from employee theft and related fraud, either as a standalone placement or as part of a management liability review under ExecuSafe. ^8,9Company-reported. Business Services catalogue and ExecuSafe article.

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.

Neither page names the insurer USI uses for crime placements. ⁸Not publicly disclosed. Pages as read on 2026-09-23.

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.

USI's Business Services practice, which lists crime coverage, says it targets building and maintenance, repair service, janitorial, staffing and printing companies, citing employee errors and misconduct as one of the risk exposures it addresses for them. ⁸Company-reported. Company description of client base.

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?'.

USI lists crime among the coverages it places for business-services clients, and its ExecuSafe review checks a client's existing crime coverage as part of a broader management liability review. ^8,9Company-reported. Catalogue listing plus the ExecuSafe review description; actual insuring agreements and exclusions are set by the issued policy.

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.

Neither page publishes crime coverage limit or retention figures. ⁸Not publicly disclosed. Pages as read on 2026-09-23.

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.

USI's Business Services practice says it offers classification and exposure reviews, claim advocacy and risk control across its coverage lines including crime, and its ExecuSafe process specifically checks existing crime coverage for gaps. ^8,9Company-reported. Combines the general Business Services service list with the ExecuSafe-specific review step.

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?'.

USI directs business-services inquiries to pcinquiries@usi.com or a local office, and ExecuSafe/management-liability inquiries to Select.Business@usi.com. ^8,9Company-reported. Contact instructions on each page.