Cowbell Crime Insurance
Cowbell / Zurich Select Plus Crime Coverage
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.
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. 1,2Company-reported. Management liability page intro; Zurich page intro and footer.
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.
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?'.
Limits and Retentions
Risk Services
Not publicly disclosed. 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. 1,2Management liability page and Zurich page, both read on 2026-09-23.
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?'.
Cowbell Crime Insurance Compared
Other Cowbell Coverage Lines
Sources
- Management liability coverage for small & medium enterprises. 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.
- Small and Midsize Business Management Liability | Zurich Select Plus. 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.
