--- title: "Cowbell Crime Insurance" description: "What Cowbell Crime Insurance covers, who it’s for, and how to apply, cited to public sources." canonical: "https://spot.insure/insurance-providers/cowbell/crime" page-type: "offering-page" updated-at: "2026-09-23" --- 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/insurance-providers/cowbell/crime) # 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](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: 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](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: 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. [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.) ## 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. [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?'.) ## Limits and Retentions - **Not publicly disclosed.** Neither the Cowbell page nor Zurich's own Select Plus page, both read in full, publishes crime-coverage limit or retention amounts. [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") (Scope: Cowbell page and Zurich page, both read on 2026-09-23.) ## 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](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") (Scope: Management 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. [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?'.) ## Cowbell Crime Insurance Compared - [Cowbell vs Alliance Risk](https://spot.insure/compare/alliance-risk-vs-cowbell/crime) - [Cowbell vs Beazley](https://spot.insure/compare/beazley-vs-cowbell/crime) - [Cowbell vs CFC](https://spot.insure/compare/cfc-vs-cowbell/crime) - [Cowbell vs Chubb](https://spot.insure/compare/chubb-vs-cowbell/crime) - [Cowbell vs Coalition](https://spot.insure/compare/coalition-vs-cowbell/crime) - [Cowbell vs Corgi](https://spot.insure/compare/corgi-vs-cowbell/crime) ## Other Cowbell Coverage Lines - [Cowbell Cyber Insurance](https://spot.insure/insurance-providers/cowbell/cyber) - [Cowbell D&O Insurance](https://spot.insure/insurance-providers/cowbell/directors-officers) - [Cowbell Employment Practices Liability Insurance](https://spot.insure/insurance-providers/cowbell/employment-practices) - [Cowbell Fiduciary Liability Insurance](https://spot.insure/insurance-providers/cowbell/fiduciary) - [Cowbell Management Liability Insurance](https://spot.insure/insurance-providers/cowbell/management-liability) - [Cowbell Tech E&O Insurance](https://spot.insure/insurance-providers/cowbell/technology-errors-omissions) ## Related - [Cowbell Profile](https://spot.insure/insurance-providers/cowbell) - [Cowbell Reliability](https://spot.insure/insurance-providers/cowbell/reliability) - [Cowbell Alternatives](https://spot.insure/insurance-providers/cowbell/alternatives) - [Coverage Guide: Crime](https://spot.insure/coverage/crime) ## Sources 1. [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. 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 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. Updated 2026-09-23. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [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/insurance-providers/cowbell/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)