--- title: "Cowbell D&O Insurance" description: "What Cowbell D&O Insurance covers, who it’s for, and how to apply, cited to public sources." canonical: "https://spot.insure/insurance-providers/cowbell/directors-officers" 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/directors-officers) # 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](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 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](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 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. [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 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. [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 D&O 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 - 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. [1](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") (Evidence: Company-reported; scope: 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. [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 D&O Insurance Compared - [Cowbell vs Alliance Risk](https://spot.insure/compare/alliance-risk-vs-cowbell/directors-officers) - [Cowbell vs Amelia Risk](https://spot.insure/compare/amelia-risk-vs-cowbell/directors-officers) - [Cowbell vs Beazley](https://spot.insure/compare/beazley-vs-cowbell/directors-officers) - [Cowbell vs CFC](https://spot.insure/compare/cfc-vs-cowbell/directors-officers) - [Cowbell vs Chubb](https://spot.insure/compare/chubb-vs-cowbell/directors-officers) - [Cowbell vs Coalition](https://spot.insure/compare/coalition-vs-cowbell/directors-officers) ## Other Cowbell Coverage Lines - [Cowbell Crime Insurance](https://spot.insure/insurance-providers/cowbell/crime) - [Cowbell Cyber Insurance](https://spot.insure/insurance-providers/cowbell/cyber) - [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: Directors and officers](https://spot.insure/coverage/directors-officers) ## 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?' (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. 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 '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. Updated 2026-09-23. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. 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