---
title: "Cowbell vs Zurich U.S.: Crime Insurance"
description: "Cowbell distributes Zurich Select Plus crime only through appointed wholesalers; Zurich also offers commercial crime as standalone or packaged coverage."
canonical: "https://spot.insure/compare/cowbell-vs-zurich/crime"
page-type: "line-comparison"
updated-at: "2026-09-30"
comparison-pair: "cowbell-vs-zurich"
provider-a: "cowbell"
provider-b: "zurich"
coverage-line: "crime"
---

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, compare_providers for sourced comparisons, get_provider_score for a published Spot Score, get_rankings for current provider rankings, search_provider_reliability to filter Spot 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-zurich/crime)

## Agent Guide

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

**Questions this page answers:**
- Cowbell vs Zurich U.S. for Crime Insurance: how do they differ?
- Which is better for Crime Insurance, Cowbell or Zurich U.S.?
- What does Cowbell or Zurich U.S. publish about Crime Insurance (limits, eligibility, claims, add-ons)?
- What should I confirm in a quote for Crime Insurance from Cowbell or Zurich U.S.?

**Key facts:**
- Line: Crime Insurance. Providers: Cowbell and Zurich U.S..
- Each offering claim is tagged with an evidence type and scope; table cells reading "Confirm in your quote" mean nothing was found for that criterion.
- Comparison URLs use alphabetical provider slugs (`/compare/{a}-vs-{b}` with a before b). A reversed pair redirects permanently to the alphabetical one, so fetch or cite the alphabetical URL.

**Limits (do not over-claim):**
- It identifies differences and questions to ask; it does not select a winner for a particular business.
- "Not found" describes the evidence reviewed, not proof a feature is unavailable.
- 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 in the Sources section; last updated 2026-09-30. Editorial policy: /editorial-policy.

**Related pages:**
- [Cowbell vs Zurich U.S.](https://spot.insure/compare/cowbell-vs-zurich) — parent: all coverage lines for this pair
- [Crime Insurance guide](https://spot.insure/coverage/crime) — coverage explainer for this line
- [Cowbell profile](https://spot.insure/insurance-providers/cowbell) — provider profile (evidence)
- [Zurich U.S. profile](https://spot.insure/insurance-providers/zurich) — provider profile (evidence)
- [Cowbell vs Zurich U.S. Cyber Insurance](https://spot.insure/compare/cowbell-vs-zurich/cyber) — sibling comparison (other line, or other pair for this line)
- [Cowbell vs Zurich U.S. D&O Insurance](https://spot.insure/compare/cowbell-vs-zurich/directors-officers) — sibling comparison (other line, or other pair for this line)
- [Cowbell vs Zurich U.S. Employment Practices Liability Insurance](https://spot.insure/compare/cowbell-vs-zurich/employment-practices) — sibling comparison (other line, or other pair for this line)
- [Cowbell vs Zurich U.S. Fiduciary Liability Insurance](https://spot.insure/compare/cowbell-vs-zurich/fiduciary) — sibling comparison (other line, or other pair for this line)
- [Cowbell vs Zurich U.S. Tech E&O Insurance](https://spot.insure/compare/cowbell-vs-zurich/technology-errors-omissions) — sibling comparison (other line, or other pair for this line)
- [AIG vs Cowbell Crime Insurance](https://spot.insure/compare/aig-vs-cowbell/crime) — sibling comparison (other line, or other pair for this line)
- [AIG vs Zurich U.S. Crime Insurance](https://spot.insure/compare/aig-vs-zurich/crime) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Cowbell Crime Insurance](https://spot.insure/compare/alliance-risk-vs-cowbell/crime) — sibling comparison (other line, or other pair for this line)
- [Alliance Risk vs Zurich U.S. Crime Insurance](https://spot.insure/compare/alliance-risk-vs-zurich/crime) — sibling comparison (other line, or other pair for this line)
- [Aon vs Cowbell Crime Insurance](https://spot.insure/compare/aon-vs-cowbell/crime) — sibling comparison (other line, or other pair for this line)
- [Aon vs Zurich U.S. Crime Insurance](https://spot.insure/compare/aon-vs-zurich/crime) — sibling comparison (other line, or other pair for this line)

# Cowbell vs Zurich U.S.: How Do They Compare for Crime Insurance?

Cowbell distributes Zurich Select Plus crime only through appointed wholesalers; Zurich also offers commercial crime as standalone or packaged coverage.

## Research Scope and Use

Use this comparison to evaluate Cowbell and Zurich U.S. for Crime Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

Cowbell’s crime module sits in Zurich’s Select Plus management-liability product for private companies under 250 employees and $50 million in assets. Zurich offers standalone or package crime coverage. [4](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") [3](https://www.zurichna.com/insurance/excess-and-surplus/small-business-management-liability "Small and Midsize Business Management Liability | Zurich Select Plus") [7](https://www.zurichna.com/insurance/management-liability/crime-insurance "Commercial Crime & Fidelity Insurance Coverage | Zurich U.S.")

## What Is Cowbell Insurance?

Cowbell suits small and midsize businesses seeking cyber options by company size, with technology E&O and Zurich management-liability options also available; firms needing broad commercial coverage should compare a full-service broker. Some security services cost extra. [1](https://cowbell.insure/ "Cowbell") [2](https://cowbell.insure/wp-content/uploads/pdfs/CB-US-PrimeTech-Overview-1.pdf "Prime Tech Product Overview") [3](https://www.zurichna.com/insurance/excess-and-surplus/small-business-management-liability "Small and Midsize Business Management Liability | Zurich Select Plus")

[Cowbell profile](https://spot.insure/insurance-providers/cowbell)

## Zurich U.S. Business Insurance: Products, Access, and Claims

Zurich U.S. serves Middle Market businesses and large or national accounts with commercial property-casualty and specialty insurance. Buyers can explore product lines and work through an agent or broker; the insurer named on a quote or policy identifies which Zurich company underwrites that coverage. [5](https://www.zurichna.com/about "About Us | Zurich U.S. | Commercial Insurance") [6](https://www.zurichna.com/brokers "Agents and Brokers | Zurich U.S.")

[Zurich U.S. profile](https://spot.insure/insurance-providers/zurich)

## What Is Crime Insurance?

Crime insurance can help reimburse specified business losses from theft and fraud, including employee theft and forgery. Compare those protections separately and ask whether a payment sent after an impersonation scam is covered. [8](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide") [9](https://www.travelers.com/business-insurance/professional-liability-insurance/apps-forms/crime-non-financial-institutions "Crime Non-Financial Applications and Forms") [10](https://asset.trvstatic.com/download/assets/cri-3001.pdf/98f30f1063c911eeb2f1deb19c93b21f "Crime Terms and Conditions") [11](https://www.chubb.com/us-en/business-insurance/social-engineering-fraud-coverage-for-crime-insurance.html "Social Engineering Fraud Insurance") [12](https://asset.trvstatic.com/download/assets/cri-1100w-ind.pdf/9aa2577663c911ee91291279531924d3 "Commercial Crime Coverage Application")

## Key Differences in Crime Insurance

### Select Plus access and standalone availability

Cowbell describes crime as one module in Zurich’s Select Plus management-liability product, with Zurich underwriting the module and Cowbell operating the platform. Access is limited to appointed Zurich E&S wholesalers through the platform API, not direct business purchase. Zurich’s broader crime materials also describe standalone policies and package solutions for public and private companies. A buyer should distinguish the Select Plus wholesale route from a separate Zurich crime placement and ask which route the broker is using. [4](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") [7](https://www.zurichna.com/insurance/management-liability/crime-insurance "Commercial Crime & Fidelity Insurance Coverage | Zurich U.S.")

### Company size and coverage detail

Cowbell targets its module to private companies under 250 employees and under $50 million in assets, and describes protection against employee or third-party theft, fraud and embezzlement. Zurich describes employee theft and forgery, computer fraud and funds-transfer fraud in its crime materials. Buyers should ask how Cowbell’s module defines each event and whether its eligibility fits the company; Zurich’s detailed terms should be confirmed in the proposed standalone or packaged form. [4](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") [7](https://www.zurichna.com/insurance/management-liability/crime-insurance "Commercial Crime & Fidelity Insurance Coverage | Zurich U.S.")

## What to Confirm in Crime Insurance Quotes

- Ask the wholesaler whether Select Plus is the intended route and identify its crime limit and fraud agreements. [4](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises")
- Ask Zurich which issuing entity, form, limits and electronic-transfer definitions apply. [7](https://www.zurichna.com/insurance/management-liability/crime-insurance "Commercial Crime & Fidelity Insurance Coverage | Zurich U.S.")

## Offering Details

| Criteria | Cowbell / Zurich Select Plus Crime Coverage | Zurich Commercial Crime Insurance |
| --- | --- | --- |
| 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. [4](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") [3](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..) | Confirm in your quote. |
| Issuing Insurer | 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](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") [3](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; Zurich page intro and footer..) | Confirm in your quote. |
| 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. [4](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..) | Zurich offers commercial crime insurance as standalone policies and as package solutions for public and private companies. [7](https://www.zurichna.com/insurance/management-liability/crime-insurance "Commercial Crime & Fidelity Insurance Coverage | Zurich U.S.") (Evidence: Company-reported; scope: Zurich U.S. brand; issuer varies by product/state; Commercial Crime Insurance; United States. Product structure and company class only; terms, underwriting and availability vary..) |
| 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. [4](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?'..) | Zurich describes employee-theft coverage for direct loss or damage to money, securities or property caused by employee theft or forgery. [7](https://www.zurichna.com/insurance/management-liability/crime-insurance "Commercial Crime & Fidelity Insurance Coverage | Zurich U.S.") (Evidence: Company-reported; scope: Zurich U.S. brand; issuer varies by product/state; Commercial Crime Insurance; United States. Summary only; form definitions, exclusions, limits and conditions control..)<br><br>Zurich describes computer-fraud losses as loss of or damage to money, securities or property resulting directly from computer use to fraudulently cause a transfer originating from the insured’s business or banking premises. It separately describes Funds Transfer Fraud as direct loss of money or securities from fraudulent instructions to a financial institution to transfer funds from the insured’s transfer account. Policy forms govern. [7](https://www.zurichna.com/insurance/management-liability/crime-insurance "Commercial Crime & Fidelity Insurance Coverage | Zurich U.S.") (Evidence: Company-reported; scope: Zurich U.S. brand; issuer varies by product/state; Commercial Crime Insurance; United States. These are the page’s summary descriptions, not policy definitions. Actual definitions, causation requirements, exclusions and limits are in policy forms..) |
| Limits and Retentions | Neither the Cowbell page nor Zurich's own Select Plus page, both read in full, publishes crime-coverage limit or retention amounts. [4](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") [3](https://www.zurichna.com/insurance/excess-and-surplus/small-business-management-liability "Small and Midsize Business Management Liability | Zurich Select Plus") (Evidence: Not publicly disclosed; scope: Cowbell page and Zurich page, both read on 2026-09-23..) | Confirm in your quote. |
| Risk Services | 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](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") [3](https://www.zurichna.com/insurance/excess-and-surplus/small-business-management-liability "Small and Midsize Business Management Liability | Zurich Select Plus") (Evidence: Not publicly disclosed; scope: Management liability page and Zurich page, both read on 2026-09-23..) | Zurich Resilience Solutions offers crime-risk assessment services intended to identify vulnerabilities, followed by specialist recommendations for crime resilience. [7](https://www.zurichna.com/insurance/management-liability/crime-insurance "Commercial Crime & Fidelity Insurance Coverage | Zurich U.S.") (Evidence: Company-reported; scope: Zurich U.S. brand; exact risk-service provider/issuer relationship not mapped; Commercial Crime Insurance risk-assessment service; United States. Company-described service; no guarantee of loss prevention and no insured coverage grant..) |
| 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. [4](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?'..) | Confirm in your quote. |

## Full Comparison

- [Cowbell vs Zurich U.S.](https://spot.insure/compare/cowbell-vs-zurich): 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 vs Zurich U.S. Cyber Insurance](https://spot.insure/compare/cowbell-vs-zurich/cyber)
- [Cowbell vs Zurich U.S. D&O Insurance](https://spot.insure/compare/cowbell-vs-zurich/directors-officers)
- [Cowbell vs Zurich U.S. Employment Practices Liability Insurance](https://spot.insure/compare/cowbell-vs-zurich/employment-practices)
- [Cowbell vs Zurich U.S. Fiduciary Liability Insurance](https://spot.insure/compare/cowbell-vs-zurich/fiduciary)
- [Cowbell vs Zurich U.S. Tech E&O Insurance](https://spot.insure/compare/cowbell-vs-zurich/technology-errors-omissions)
- [AIG vs Cowbell Crime Insurance](https://spot.insure/compare/aig-vs-cowbell/crime)
- [AIG vs Zurich U.S. Crime Insurance](https://spot.insure/compare/aig-vs-zurich/crime)
- [Alliance Risk vs Cowbell Crime Insurance](https://spot.insure/compare/alliance-risk-vs-cowbell/crime)
- [Alliance Risk vs Zurich U.S. Crime Insurance](https://spot.insure/compare/alliance-risk-vs-zurich/crime)
- [Aon vs Cowbell Crime Insurance](https://spot.insure/compare/aon-vs-cowbell/crime)
- [Aon vs Zurich U.S. Crime Insurance](https://spot.insure/compare/aon-vs-zurich/crime)

## Sources

### Cowbell

1. [Cowbell](https://cowbell.insure/). Cowbell; What We Do; Assess, Insure, Respond and Improve; U.S. navigation; footer legal disclosure. Accessed 2026-09-15.
2. [Prime Tech Product Overview](https://cowbell.insure/wp-content/uploads/pdfs/CB-US-PrimeTech-Overview-1.pdf). Cowbell; PDF pp. 1–4: non-admitted combined Technology E&O and cyber for technology businesses up to $1 billion; up to $5 million; surplus lines in 50 states; edition PRIME TECH US0001 1025. Accessed 2026-09-16.
3. [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.
4. [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.

### Zurich U.S.

5. [About Us | Zurich U.S. | Commercial Insurance](https://www.zurichna.com/about). Zurich U.S.; About Zurich U.S.; customer and industry description; FAQ on U.S. product focus. Accessed 2026-09-28.
6. [Agents and Brokers | Zurich U.S.](https://www.zurichna.com/brokers). Zurich U.S.; Agent/broker route and locator. Accessed 2026-09-28.
7. [Commercial Crime & Fidelity Insurance Coverage | Zurich U.S.](https://www.zurichna.com/insurance/management-liability/crime-insurance). Zurich U.S.; Crime product, standalone/package availability, loss examples, risk assessment services. Accessed 2026-09-28.

### Crime Insurance Guide

8. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Crime. Accessed 2026-09-16.
9. [Crime Non-Financial Applications and Forms](https://www.travelers.com/business-insurance/professional-liability-insurance/apps-forms/crime-non-financial-institutions). Travelers; Opening paragraph; Sample Policy Forms. Accessed 2026-09-16.
10. [Crime Terms and Conditions](https://asset.trvstatic.com/download/assets/cri-3001.pdf/98f30f1063c911eeb2f1deb19c93b21f). The Travelers Companies, Inc.; I.A–G, printed/PDF pages 1–4; III.RR, printed/PDF p.13; V.B.1–2, printed/PDF pp.18–20; Consideration, printed/PDF p.1; III.P p.8; V.A.3 pp.16–17; V.A.4 p.17; V.B.3 p.20; I.A.3 p.1; III.C p.7; III.S pp.8–9; III.II and III.KK p.12; III.QQ p.13; V.A.5 pp.17–18 (printed/PDF pages); IV.J–O, printed/PDF pages 14–15. Accessed 2026-09-16.
11. [Social Engineering Fraud Insurance](https://www.chubb.com/us-en/business-insurance/social-engineering-fraud-coverage-for-crime-insurance.html). Chubb; Opening; coverage highlights. Accessed 2026-09-16.
12. [Commercial Crime Coverage Application](https://asset.trvstatic.com/download/assets/cri-1100w-ind.pdf/9aa2577663c911ee91291279531924d3). Travelers Casualty and Surety Company of America; I–III pages 1–2; IX–XI pages 3–4; V–VII, printed/PDF pages 2–3. Accessed 2026-09-16.

Updated 2026-09-30. 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.

## Cowbell Reviews

Review Score: 2.0 / 10 from 1 rated source, equally weighted.

Cowbell has one public rating we could find: 1.0 out of 5 on SourceForge from three reviews in 2023. That's too few and too old to say much.

- SourceForge: SourceForge rating 1.0 (out of 5); 3 reviews. SourceForge software directory listing for Cowbell Cyber. Three small-business reviewers describe the cyber insurance product. Small sample, all from 2023. Period: reviews dated Jan to Jul 2023. Checked 2026-09-29. [Cowbell Cyber Reviews](https://sourceforge.net/software/product/Cowbell-Cyber/)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/cowbell/reviews).

## Zurich U.S. Reviews

Review Score: not enough ratings.

The available Zurich review evidence is mixed and comes from distinct populations: a car-rental-business editorial rating, broad global and U.S. review-platform snapshots, and a BBB business-profile grade. These are not a representative measure of every Zurich commercial policy or claim.

- NerdWallet: editorial rating 4.5 (5). U.S. commercial rental-fleet insurance publisher review; editorial evaluation, not a consumer average or all-line Zurich result. Period: Page updated July 10, 2026. Checked 2026-09-29. [Best Insurance Companies for Car Rental Businesses](https://www.nerdwallet.com/business/insurance/learn/car-rental-business-insurance)
- Trustpilot: TrustScore 1.2 (5); 748 reviews. Global Zurich Insurance Group profile; mixed countries and products, not U.S. commercial-policyholder satisfaction. Period: Snapshot 2026-09-29. Checked 2026-09-29. [Zurich Insurance Reviews](https://www.trustpilot.com/review/www.zurich.com)
- ConsumerAffairs: customer rating 1.0 (5); 72 reviews. U.S. Zurich North America/Property & Casualty profile; mixed products and customer populations, not line-specific commercial results. Period: Snapshot 2026-09-29. Checked 2026-09-29. [Zurich Property & Casualty Insurance Reviews from Real Customers](https://www.consumeraffairs.com/insurance/zurich-north-america-insurance.html)
- BBB: customer review rating 1.14 (5); 116 reviews. Customer-submitted reviews on the Zurich American Insurance Company profile; not a line-specific or representative policyholder survey. Period: Snapshot 2026-09-29. Checked 2026-09-29. [Zurich American Insurance Company Customer Reviews](https://www.bbb.org/us/tx/dallas/profile/insurance-companies/zurich-american-insurance-company-0875-90008903/customer-reviews)

Reviewed 2026-09-29. [Read the sourced review](https://spot.insure/insurance-providers/zurich/reviews).

## Agent and Developer Resources

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