--- title: "Cowbell vs USI Insurance Services: Management Liability Insurance" description: "You can email USI yourself to start its ExecuSafe management package for small and midsize businesses. Cowbell’s Zurich Select Plus is only sold through appointed wholesale brokers, and only to private companies under 250 employees and $50 million in assets." canonical: "https://spot.insure/compare/cowbell-vs-usi/management-liability" page-type: "line-comparison" updated-at: "2026-09-25" comparison-pair: "cowbell-vs-usi" provider-a: "cowbell" provider-b: "usi" coverage-line: "management-liability" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and insurance research. Use search_knowledge to find sources, get_page to retrieve pages, check_driving_insurance for source-backed rideshare and delivery requirements by state or province, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://spot.insure/compare/cowbell-vs-usi/management-liability) ## Agent Guide **What this page is:** Focused comparison of Cowbell and USI Insurance Services for Management Liability 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 Management Liability Insurance questions about Cowbell versus USI Insurance Services. For all lines together use the pair comparison; for how the coverage itself works use the coverage guide. **Questions this page answers:** - Cowbell vs USI Insurance Services for Management Liability Insurance: how do they differ? - Which is better for Management Liability Insurance, Cowbell or USI Insurance Services? - What does Cowbell or USI Insurance Services publish about Management Liability Insurance (limits, eligibility, claims, add-ons)? **Key facts:** - Line: Management Liability Insurance. Providers: Cowbell and USI Insurance Services. - 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 USI Insurance Services](https://spot.insure/compare/cowbell-vs-usi) — all coverage lines for this pair - [Management Liability Insurance guide](https://spot.insure/coverage/management-liability) — how this coverage works - [Cowbell profile](https://spot.insure/insurance-providers/cowbell) — provider profile - [USI Insurance Services profile](https://spot.insure/insurance-providers/usi) — provider profile # Cowbell vs USI Insurance Services: How Do They Compare for Management Liability Insurance? USI Insurance Services directs small and mid-sized businesses to email about ExecuSafe; Cowbell's Zurich Select Plus is not sold directly to businesses and targets private companies under 250 employees through appointed wholesalers. Business owners can contact USI directly by email for its ExecuSafe management package, while Cowbell’s Zurich Select Plus is only reachable through appointed wholesale brokers for private firms under 250 employees. ## Cowbell vs USI Insurance Services Management Liability Insurance Summary You can email USI yourself to start its ExecuSafe management package for small and midsize businesses. Cowbell’s Zurich Select Plus is only sold through appointed wholesale brokers, and only to private companies under 250 employees and $50 million in assets. [3](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") [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") ## What Are the Key Differences Between Cowbell and USI Insurance Services Management Liability Insurance? ### Direct Email Contact vs Wholesale Brokers Only USI directs small and midsize businesses to an ExecuSafe email contact, and applies ExecuSafe as an endorsement package when it places your management liability program. Cowbell’s Select Plus is only available to wholesale brokers appointed by Zurich, through Cowbell’s platform; you cannot buy it directly, so your own agent has to go through one. Choose USI if you are a business owner who wants to start the conversation yourself; choose Cowbell if your broker has Zurich wholesale access and you are a private company under 250 employees and $50 million in assets. [3](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") [1](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") ### Hard Size Caps vs No Published Threshold Cowbell targets private companies with fewer than 250 employees and under $50 million in assets. USI targets small and midsize businesses without publishing numbers. Past either Cowbell cap, USI is the option here. [1](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") [3](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") ### Named Zurich Product vs Unnamed Insurer Both cover D&O, employment practices, fiduciary and crime. Select Plus is a named Zurich product that combines private company liability, employment practices and third-party discrimination, fiduciary and crime in one state-regulated policy. USI doesn’t name the insurer behind ExecuSafe, and neither publishes limits or retentions. [2](https://www.zurichna.com/insurance/excess-and-surplus/small-business-management-liability "Small and Midsize Business Management Liability | Zurich Select Plus") [1](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") [3](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") ## What Should You Confirm in Cowbell and USI Insurance Services Management Liability Insurance Quotes? - Ask your broker whether it is appointed for Select Plus, or email USI’s ExecuSafe contact directly. [1](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") [3](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") - Ask USI which insurer would issue your policy. [3](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") - Ask both which coverage parts would be bound and whether third-party discrimination is included. [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.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") - Get limits and retentions from both. [1](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") [3](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") ## Cowbell vs USI Insurance Services Management Liability Compared | Criteria | Cowbell / Zurich Select Plus Management Liability | USI ExecuSafe Management Liability Program | | --- | --- | --- | | Who It’s For | Cowbell says the product targets SME private companies with under 250 employees and under $50M in assets, and lists target industries including specialty chemicals, technology, energy/utilities, construction, manufacturing, hospitality, retail, and integrated freight & logistics. [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..) | USI targets small- and medium-sized businesses that it says often lack the time, resources or expertise to evaluate D&O and related management liability risks on their own. [3](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") (Evidence: Company-reported; scope: ExecuSafe article's stated audience..) | | How to Apply | Access is limited to appointed wholesalers of Zurich Excess & Surplus (E&S): a wholesaler already appointed by Zurich E&S can reach the product through the Cowbell platform via API, and is directed to contact a Cowbell or Zurich representative to set that up. The product is not sold directly to businesses. [1](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") (Evidence: Company-reported; scope: FAQ 'How can I access the Zurich Select Plus management liability product through Cowbell?'..) | USI directs small- and medium-sized businesses to email Select.Business@usi.com to discuss ExecuSafe and management liability risk generally. [3](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") (Evidence: Company-reported; scope: Contact instructions on the ExecuSafe article..) | | Coverage Features | Zurich's own page names the four Select Plus modules as 'Private Management and Company Liability,' 'Employment Practices and Third-Party Discrimination Liability,' 'Fiduciary Liability,' and 'Crime Insurance' -- broader labels than the plain 'D&O' and 'EPL' shorthand Cowbell's FAQ uses -- and says a buyer can combine up to four of these modules into one policy. [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: Zurich page 'Protect your small to midsize business with Zurich's Select Plus Management Liability solutions' section..)

Cowbell describes management liability as a modular umbrella covering four lines within the Select Plus product: private company D&O, employment practices liability, fiduciary liability, and crime, each addressing a different category of management or employee risk. [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?'..) | USI describes ExecuSafe as addressing a company's D&O and management liability risks together, and separately lists D&O, employment practices liability, fiduciary liability, crime, and errors and omissions/professional liability as coverages its Business Services practice places. [3](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") [4](https://www.usi.com/property-casualty/business-services/ "Business Services") (Evidence: Company-reported; scope: Combines the ExecuSafe article's framing with the Business Services catalogue; actual insuring agreements and exclusions are set by the issued policy..) | | Role in This Line | Cowbell is the distribution platform, not the insurer: it gives Zurich-appointed E&S wholesalers API access to Zurich's Select Plus management liability product, a modular suite Zurich already sells to larger companies, sized down for small and midsize private businesses. Zurich's own page confirms Select Plus is 'Zurich Insurance, in collaboration with Cowbell,' offered as a 'proprietary form,' with identical FAQ wording to Cowbell's page. [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: Cowbell intro paragraph and FAQ; Zurich intro and 'Delivering speed from quoting to policy issuance' section..) | USI brokers management liability as a bundle rather than underwriting it, packaging D&O, employment practices liability, fiduciary liability and crime coverage under its ExecuSafe endorsement program. [3](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") (Evidence: Company-reported; scope: ExecuSafe article..) | | Risk Services | Cowbell says the product is backed by Zurich's claims service, and frames the offering's advantage as faster quoting and issuance through Cowbell's technology platform compared with Zurich's standard process, rather than describing separate risk-control services. [1](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") (Evidence: Company-reported; scope: Page intro and FAQ 'What makes the Zurich Select Plus offering through Cowbell unique?'..) | USI says it works with businesses to identify D&O and related management liability risks, review any existing policies for coverage gaps, and secure coverage through ExecuSafe, on top of its Business Services practice's general claim advocacy and risk-control offerings. [3](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/ "Protect Your Company and Personal Assets From Management Liability Risks") [4](https://www.usi.com/property-casualty/business-services/ "Business Services") (Evidence: Company-reported; scope: ExecuSafe article's "How USI Can Help" section and Business Services practice description..) | ## About Cowbell and USI Insurance Services and Management Liability - [Cowbell company profile](https://spot.insure/insurance-providers/cowbell) · [Cowbell customer reviews](https://spot.insure/insurance-providers/cowbell/reviews) - [USI Insurance Services company profile](https://spot.insure/insurance-providers/usi) · [USI Insurance Services customer reviews](https://spot.insure/insurance-providers/usi/reviews) - [What Is Management Liability Insurance?](https://spot.insure/coverage/management-liability) ## Related Pages for Cowbell vs USI Insurance Services - [Cowbell vs USI Insurance Services](https://spot.insure/compare/cowbell-vs-usi): all coverage lines, business roles, service and claims. - [What Is Management Liability Insurance?](https://spot.insure/coverage/management-liability): Management liability packages can combine D&O, employment-practices and fiduciary coverage, but each part can insure different people, claims and limits. - [Cowbell Management Liability Insurance](https://spot.insure/insurance-providers/cowbell/management-liability) - [USI Insurance Services Management Liability Insurance](https://spot.insure/insurance-providers/usi/management-liability) ## Sources for Cowbell vs USI Insurance Services ### Sources About Cowbell 1. [Management liability coverage for small & medium enterprises](https://cowbell.insure/mgmt-liability/). Cowbell; Intro paragraph on the Zurich collaboration; FAQ: access, account size, what makes the offering unique, difference between management liability and D&O, why a company needs it, most common claim type; Target industries list. 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: 'Zurich Insurance, in collaboration with Cowbell, offers the "Zurich Select Plus" proprietary form'; 'Delivering speed from quoting to policy issuance' section; module names (Private Management and Company Liability, Employment Practices and Third-Party Discrimination Liability, Fiduciary Liability, Crime Insurance); Targeted industries list; FAQ (identical to the Cowbell page's FAQ); footer copyright. Accessed 2026-09-23. ### Sources About USI Insurance Services 3. [Protect Your Company and Personal Assets From Management Liability Risks](https://www.usi.com/executive-insights/executive-series-articles/supplemental/emerging-business/q3-2023/protect-against-management-liability-risks/). USI Insurance Services; How USI Can Help: Identify D&O risks; Review existing management liability policies (if any)...(including employment practices liability, fiduciary liability, and crime); Secure appropriate coverage through our ExecuSafe program.. Accessed 2026-09-23. 4. [Business Services](https://www.usi.com/property-casualty/business-services/). USI Insurance Services; USI advises clients...and provides solutions for...Directors & Officers Liability, Employment Practices Liability, Crime, Fiduciary Liability, Errors & Omissions/Professional Liability.... 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-usi/management-liability.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://spot.insure/llms.txt)