What Does Crime Insurance from Cowbell Cover?

Crime coverage is one module within Cowbell's distribution of Zurich's Select Plus management liability product; Cowbell operates the platform, Zurich underwrites the module. Zurich's own page lists 'Crime Insurance' as one of the four modules a buyer can combine. ^1,2Company-reportedManagement liability page intro and module list; Zurich page module-name section.

Cowbell and Zurich both say the Select Plus modules, including crime, are written on Zurich admitted paper. Zurich's site footer names 'Zurich American Insurance Company' in its copyright notice, but neither page states that entity is the specific policy issuer for this module. ^1,2Company-reportedManagement liability page intro; Zurich page intro and footer.

Cowbell targets this crime module at private companies with under 250 employees and under $50M in assets, across the same target industries listed for the broader Select Plus product. ¹Company-reportedFAQ 'What size accounts are targeted?' and Target industries list.

Cowbell describes crime coverage as protecting against losses resulting from criminal acts such as theft, fraud, and embezzlement committed by employees or third parties. ¹Company-reportedFAQ 'What is the difference between management liability and D&O?'.

Neither the Cowbell page nor Zurich's own Select Plus page, both read in full, publishes crime-coverage limit or retention amounts. ^1,2Not publicly disclosedCowbell page and Zurich page, both read on 2026-09-23.

Neither reviewed page describes crime-specific risk-control services such as employee-dishonesty prevention programs; both describe the Select Plus product's claims backing only at the whole-product level. ^1,2Not publicly disclosedManagement liability page and Zurich page, both read on 2026-09-23.

This crime module is accessed only by appointed Zurich E&S wholesalers through the Cowbell platform's API; it is not sold directly to businesses. ¹Company-reportedFAQ 'How can I access the Zurich Select Plus management liability product through Cowbell?'.