Cowbell Management Liability Insurance
Cowbell / Zurich Select Plus Management Liability
Cowbell is the distribution platform, not the insurer: it gives Zurich-appointed E&S wholesalers API access to Zurich's Select Plus management liability product, a modular suite Zurich already sells to larger companies, sized down for small and midsize private businesses. Zurich's own page confirms Select Plus is 'Zurich Insurance, in collaboration with Cowbell,' offered as a 'proprietary form,' with identical FAQ wording to Cowbell's page. 1,2Company-reported. Cowbell intro paragraph and FAQ; Zurich intro and 'Delivering speed from quoting to policy issuance' section.
Issuing Insurer
Both Cowbell and Zurich say the product is offered on Zurich admitted paper and backed by 'the reputable Zurich Claims service.' Neither page names the specific underwriting Zurich subsidiary or policy-issuing entity; Zurich's site footer copyright reads 'Zurich American Insurance Company,' but that is a general site-wide notice, not a stated policy-issuer confirmation for Select Plus specifically. 1,2Company-reported. Management liability page intro; Zurich page intro and footer.
Who It’s For
Cowbell says the product targets SME private companies with under 250 employees and under $50M in assets, and lists target industries including specialty chemicals, technology, energy/utilities, construction, manufacturing, hospitality, retail, and integrated freight & logistics. 1Company-reported. FAQ 'What size accounts are targeted?' and 'Target industries' list.
Coverage Features
Zurich's own page names the four Select Plus modules as 'Private Management and Company Liability,' 'Employment Practices and Third-Party Discrimination Liability,' 'Fiduciary Liability,' and 'Crime Insurance' -- broader labels than the plain 'D&O' and 'EPL' shorthand Cowbell's FAQ uses -- and says a buyer can combine up to four of these modules into one policy. 2Company-reported. Zurich page 'Protect your small to midsize business with Zurich's Select Plus Management Liability solutions' section.
Cowbell describes management liability as a modular umbrella covering four lines within the Select Plus product: private company D&O, employment practices liability, fiduciary liability, and crime, each addressing a different category of management or employee risk. 1Company-reported. FAQ 'What is the difference between management liability and D&O?'.
Limits and Retentions
Risk Services
Cowbell says the product is backed by Zurich's claims service, and frames the offering's advantage as faster quoting and issuance through Cowbell's technology platform compared with Zurich's standard process, rather than describing separate risk-control services. 1Company-reported. Page intro and FAQ 'What makes the Zurich Select Plus offering through Cowbell unique?'.
How to Apply
Access is limited to appointed wholesalers of Zurich Excess & Surplus (E&S): a wholesaler already appointed by Zurich E&S can reach the product through the Cowbell platform via API, and is directed to contact a Cowbell or Zurich representative to set that up. The product is not sold directly to businesses. 1Company-reported. FAQ 'How can I access the Zurich Select Plus management liability product through Cowbell?'.
Claims Support
Cowbell says the most common management liability claims fall under employment practices liability, citing discrimination, wrongful termination, harassment, and retaliation as the most frequent claim types. 1Company-reported. FAQ 'What is the most common management liability claim?'; describes claim frequency, not Cowbell's own claims-handling process.
Cowbell Management Liability Insurance Compared
Other Cowbell Coverage Lines
Sources
- Management liability coverage for small & medium enterprises. Cowbell; Intro paragraph on the Zurich collaboration; FAQ: access, account size, what makes the offering unique, difference between management liability and D&O, why a company needs it, most common claim type; Target industries list. Accessed 2026-09-23.
- Small and Midsize Business Management Liability | Zurich Select Plus. Zurich North America; Intro: 'Zurich Insurance, in collaboration with Cowbell, offers the "Zurich Select Plus" proprietary form'; 'Delivering speed from quoting to policy issuance' section; module names (Private Management and Company Liability, Employment Practices and Third-Party Discrimination Liability, Fiduciary Liability, Crime Insurance); Targeted industries list; FAQ (identical to the Cowbell page's FAQ); footer copyright. Accessed 2026-09-23.
