What Are the Key Differences Between Cowbell and Zurich U.S. Crime Insurance?
Select Plus access and standalone availability
Cowbell describes crime as one module in Zurich’s Select Plus management-liability product, with Zurich underwriting the module and Cowbell operating the platform. Access is limited to appointed Zurich E&S wholesalers through the platform API, not direct business purchase. Zurich’s broader crime materials also describe standalone policies and package solutions for public and private companies. A buyer should distinguish the Select Plus wholesale route from a separate Zurich crime placement and ask which route the broker is using. [3] [8]
Company size and coverage detail
Cowbell targets its module to private companies under 250 employees and under $50 million in assets, and describes protection against employee or third-party theft, fraud and embezzlement. Zurich describes employee theft and forgery, computer fraud and funds-transfer fraud in its crime materials. Buyers should ask how Cowbell’s module defines each event and whether its eligibility fits the company; Zurich’s detailed terms should be confirmed in the proposed standalone or packaged form. [3] [8]