Cowbell vs USI Insurance Services: How Do They Compare for Crime Insurance?

USI Insurance Services brokers crime standalone or within its ExecuSafe management liability review; Cowbell's Zurich-underwritten crime module is for private companies under 250 employees and $50 million in assets, via appointed wholesalers.

Cowbell fits smaller private companies within its employee and asset caps that can work through an appointed wholesaler; USI names building, janitorial, staffing and similar trades and can review existing crime through ExecuSafe. ^1,^2,^3,⁴

What Are the Key Differences Between Cowbell and USI Insurance Services Crime Insurance?

If you operate a building, janitorial or staffing business, USI explicitly names those trades and offers an ExecuSafe review of existing crime terms. Cowbell’s published target is a private company under 250 employees and $50 million in assets, with wholesale access required. ³ ⁴ ¹

Zurich Module Versus Brokered Placement

Crime on Cowbell is a Select Plus module Zurich underwrites while Cowbell runs the platform. USI brokers crime covering employee theft and related fraud, either as a standalone placement or inside an ExecuSafe management-liability review. ¹ ² ³ ⁴

How You Buy

Appointed Zurich E&S wholesalers access Cowbell through the API; businesses cannot buy the module directly. USI directs business-services inquiries to a named inbox or a local office, and ExecuSafe inquiries to a separate Select Business inbox. ¹ ³ ⁴

What Should You Confirm in Cowbell and USI Insurance Services Crime Insurance Quotes?

Confirm Cowbell wholesaler appointment. ¹
Ask USI whether crime is a standalone placement or part of ExecuSafe. ⁴
Check Cowbell’s employee and asset targets and USI’s named trades against your company. ¹ ³
Ask how USI’s claim advocacy, described across Business Services lines, would apply to a crime loss. ³

Cowbell vs USI Insurance Services Crime Insurance Compared

Cowbell vs USI Insurance Services: Crime Insurance: documented features by provider

Criteria	Cowbell / Zurich Select Plus Crime Coverage	USI Crime Insurance Brokerage
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.	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. ³Company-reported. Company description of client base.
How to Apply	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. ¹Company-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. ^3,⁴Company-reported. Contact instructions on each page.
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?'.	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. ^3,⁴Company-reported. Catalogue listing plus the ExecuSafe review description; actual insuring agreements and exclusions are set by the issued policy.
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.	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. ^3,⁴Company-reported. Business Services catalogue and ExecuSafe article.