Cowbell D&O Insurance
Cowbell / Zurich Select Plus Private Company D&O
Private Company D&O is one module within Cowbell's distribution of Zurich's Select Plus management liability product; Cowbell gives Zurich-appointed E&S wholesalers platform access, and Zurich underwrites the module. Zurich's own page labels this module 'Private Management and Company Liability' rather than plain 'D&O.' 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 D&O, are offered 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 D&O module. 1,2Company-reported. Management liability page intro; Zurich page intro and footer.
Who It’s For
Cowbell targets this D&O module at private companies with under 250 employees and under $50M in assets, in industries such as technology, construction, manufacturing, hospitality, and retail. 1Company-reported. FAQ 'What size accounts are targeted?' and Target industries list.
Coverage Features
Cowbell describes D&O liability as protecting the personal assets of directors and officers and the company's financial assets against claims alleging wrongful acts in their capacity as directors and officers. 1Company-reported. FAQ 'What is the difference between management liability and D&O?'.
Limits and Retentions
Risk Services
Cowbell frames D&O coverage as a way to help attract and retain directors and officers by giving them personal-asset protection, and says the product covers legal fees, settlements, and other defense costs for the company and its management. 1Company-reported. FAQ 'Why does my company need management liability coverage?'.
How to Apply
This D&O 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 D&O 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?' (D&O definition); FAQ 'Why does my company need management liability coverage?' (Protection for Directors and Officers, Legal Expense Coverage, Attracting and Retaining Talent bullets); Target industries list. Accessed 2026-09-23.
- Small and Midsize Business Management Liability | Zurich Select Plus. Zurich North America; Intro on the Zurich/Cowbell collaboration; module name 'Private Management and Company Liability'; 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.
