What Are the Key Differences Between Cowbell and The Hartford Crime Insurance?
The Hartford names public companies and nonprofits, categories outside Cowbell’s stated private-company target; it also describes a separate bond and commercial-crime track for financial institutions. Cowbell’s crime coverage is a module in Select Plus. [4] [3]
Two Management-Liability Packages
Cowbell distributes Zurich’s Select Plus product, where crime is one of four modules Zurich underwrites. The Hartford’s crime insurance is one of five options in Private Choice Premier and is also offered as bond and commercial crime (fidelity) within its financial-institutions product track. [3] [8] [4]
Cowbell and Zurich say Select Plus modules including crime sit on Zurich admitted paper. The Hartford describes crime inside those two Hartford product tracks. [8] [4]
How Each Describes the Perils
Cowbell’s FAQ describes theft, fraud and embezzlement by employees or third parties. The Hartford says crime insurance helps cover business-related crimes like employee theft, forgery or robbery, giving as an example an employee stealing money from a cash register. [3] [4]
What Should You Confirm in Cowbell and The Hartford Crime Insurance Quotes?
- Ask The Hartford whether crime is inside Private Choice Premier or the financial-institutions fidelity track. [4]
- Confirm Cowbell access through an appointed Zurich E&S wholesaler and your employee and asset figures. [3]
- Match employee theft, forgery and robbery on the bound forms to each company’s public description. [4] [3]