What Are the Key Differences Between Cowbell and Marsh McLennan Agency Crime Insurance?
What the Offering Describes
Cowbell describes crime as one module in Zurich’s Select Plus management-liability product, covering theft, fraud and embezzlement by employees or third parties. Marsh McLennan Agency names commercial crime and fidelity without describing the insured events. Buyers should ask whether Marsh McLennan Agency’s proposed form covers both employee and outsider acts and whether crime is part of a larger package. [3] [4]
Limits, Eligibility and Handling
Cowbell targets private companies with fewer than 250 employees and under $50 million in assets; it is accessed by appointed Zurich E&S wholesalers through the Cowbell API, not sold directly to businesses. Marsh McLennan Agency describes organizations seeking executive and professional liability solutions and routes them to an adviser. Confirm whether your business fits Cowbell’s thresholds and which Marsh McLennan Agency market would consider it. [3] [4]
Starting a Crime Placement
Cowbell and Zurich describe the modules as written on Zurich admitted paper, but do not identify the specific issuing entity for this crime module. Marsh McLennan Agency’s overview also does not identify the issuer. Request the declarations and claims contact from whichever broker places the policy. [3] [4]