What Are the Key Differences Between Cowbell and USI Insurance Services Crime Insurance?
If you operate a building, janitorial or staffing business, USI explicitly names those trades and offers an ExecuSafe review of existing crime terms. Cowbell’s published target is a private company under 250 employees and $50 million in assets, with wholesale access required. [7] [8] [3]
Zurich Module Versus Brokered Placement
Crime on Cowbell is a Select Plus module Zurich underwrites while Cowbell runs the platform. USI brokers crime covering employee theft and related fraud, either as a standalone placement or inside an ExecuSafe management-liability review. [3] [9] [7] [8]
How You Buy
Appointed Zurich E&S wholesalers access Cowbell through the API; businesses cannot buy the module directly. USI directs business-services inquiries to a named inbox or a local office, and ExecuSafe inquiries to a separate Select Business inbox. [3] [7] [8]
What Should You Confirm in Cowbell and USI Insurance Services Crime Insurance Quotes?
- Confirm Cowbell wholesaler appointment. [3]
- Ask USI whether crime is a standalone placement or part of ExecuSafe. [8]
- Check Cowbell’s employee and asset targets and USI’s named trades against your company. [3] [7]
- Ask how USI’s claim advocacy, described across Business Services lines, would apply to a crime loss. [7]