What Are the Key Differences Between CNA and Cowbell Crime Insurance?
Offering Structure and Distribution
Cowbell’s record describes a narrower stated segment and an intermediary route: appointed Zurich E&S wholesalers access the crime module through Cowbell’s platform API, rather than selling it directly to businesses. CNA’s listed audience includes private and public companies and not-for-profits, with agents directed to Agent Center. The two descriptions therefore raise different placement and eligibility questions; neither line page supplies enough information to determine an applicant’s acceptance. [3] [4]
Coverage Detail and Buyer Fit
On coverage detail, Cowbell describes losses from criminal acts such as theft, fraud and embezzlement by employees or third parties. CNA confirms a crime offering in Management Liability but does not list comparable triggers in the reviewed claim. Cowbell also says the Cowbell and Zurich Select Plus pages do not publish crime limits or describe crime-specific risk services, so a side-by-side limit conclusion is not supported. [3] [4] [8]
What Should You Confirm in CNA and Cowbell Crime Insurance Quotes?
- Ask the Cowbell wholesaler whether your company meets Select Plus thresholds and which Zurich entity appears on the declarations; ask CNA which policy parts and insurer apply. [3] [4]
- Request the crime forms and compare employee, third-party and funds-transfer wording, limits, retentions and any discovery provisions. [3] [4]