--- title: "Cowbell Crime Insurance" description: "Everything to know before buying Cowbell Crime Insurance: what it covers, who it’s for, and how to apply." canonical: "https://thegeneralaverage.com/insurance-providers/cowbell/crime" page-type: "offering-page" updated-at: "2026-09-23" provider: "cowbell" coverage-line: "crime" --- Agents: connect to Spot's public MCP server at https://spot.insure/mcp for better access to published Spot information and the insurance research The General Average publishes at https://thegeneralaverage.com. Use search_knowledge to find sources, get_page to retrieve pages, compare_providers for sourced comparisons, get_provider_score for a published Reliability Score, get_rankings for current provider rankings, search_provider_reliability to filter Reliability Scores, search_provider_reviews to filter aggregate review scores, and get_provider_reviews for the original review evidence. The server is read-only and requires no authentication. [Human-readable page](https://thegeneralaverage.com/insurance-providers/cowbell/crime) ## Agent Guide **What this page is:** What Cowbell Crime Insurance covers, who it fits and what to confirm before buying, drawn from the provider's public documents. **Use this page when:** Cite this page for Cowbell Crime Insurance specifically. For the general coverage explainer use /coverage/crime; for the provider overall use its profile. **Questions this page answers:** - Does Cowbell Crime Insurance offer this coverage? - What does Cowbell Crime Insurance cover and exclude? - Who is Cowbell Crime Insurance designed for? **Key facts:** - Provider slug `cowbell`; coverage line `crime`. - Start with the Quick Answer; the at-a-glance table shows which topics the sources document. Facts are grouped by topic under their own headings, and what the sources do not disclose is listed in its own section. **Limits (do not over-claim):** - Summarises public product descriptions; actual coverage is defined by the issued policy wording and endorsements. - Availability varies by state, industry and underwriting. - Not insurance, legal or financial advice, and not a quote, binder or offer of coverage. - Eligibility, pricing, limits, exclusions and policy wording depend on the issuing insurer and the buyer's risk; confirm them with the provider before buying. **Provenance:** Based on the dated public sources listed under Sources on the page; updated 2026-09-23. **Related pages:** - [Provider profile](https://thegeneralaverage.com/insurance-providers/cowbell) — parent: provider profile # What Does Crime Insurance from Cowbell Cover? Product: Cowbell / Zurich Select Plus Crime Coverage. Provider: Cowbell. Coverage line: Crime Insurance. ## Quick Answer Cowbell offers crime insurance, covering theft, fraud, and embezzlement, to private companies with under 250 employees and under $50M in assets, through appointed wholesalers. [1](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") ## Cowbell Crime Insurance at a Glance | Topic | Evidence | Claims | | --- | --- | --- | | Role in This Line | Company-reported | 1 | | Issuing Insurer | Company-reported | 1 | | Who It’s For | Company-reported | 1 | | Coverage Features | Company-reported | 1 | | Limits and Retentions | Not publicly disclosed | 1 | | Risk Services | Not publicly disclosed | 1 | | How to Apply | Company-reported | 1 | ## What Is Cowbell’s Role in Crime Insurance? - 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](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") [2](https://www.zurichna.com/insurance/excess-and-surplus/small-business-management-liability "Small and Midsize Business Management Liability | Zurich Select Plus") (Evidence: Company-reported; scope: Management liability page intro and module list; Zurich page module-name section.) ## Who Issues Cowbell Crime Insurance? - 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](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") [2](https://www.zurichna.com/insurance/excess-and-surplus/small-business-management-liability "Small and Midsize Business Management Liability | Zurich Select Plus") (Evidence: Company-reported; scope: Management liability page intro; Zurich page intro and footer.) ## Who Is Cowbell Crime Insurance For? - 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. [1](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") (Evidence: Company-reported; scope: FAQ 'What size accounts are targeted?' and Target industries list.) ## What Coverage Features Does Cowbell Crime Insurance Include? - Cowbell describes crime coverage as protecting against losses resulting from criminal acts such as theft, fraud, and embezzlement committed by employees or third parties. [1](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") (Evidence: Company-reported; scope: FAQ 'What is the difference between management liability and D&O?'.) ## How Do You Apply for Cowbell Crime Insurance? - 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. [1](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") (Evidence: Company-reported; scope: FAQ 'How can I access the Zurich Select Plus management liability product through Cowbell?'.) ## What We Couldn’t Find About Cowbell Crime Insurance The reviewed sources do not settle these. Confirm them with Cowbell or a broker before relying on them. - **Limits and Retentions (Not publicly disclosed):** Neither the Cowbell page nor Zurich's own Select Plus page, both read in full, publishes crime-coverage limit or retention amounts. [1](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") [2](https://www.zurichna.com/insurance/excess-and-surplus/small-business-management-liability "Small and Midsize Business Management Liability | Zurich Select Plus") (Scope: Cowbell page and Zurich page, both read on 2026-09-23.) - **Risk Services (Not publicly disclosed):** 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](https://cowbell.insure/mgmt-liability/ "Management liability coverage for small & medium enterprises") [2](https://www.zurichna.com/insurance/excess-and-surplus/small-business-management-liability "Small and Midsize Business Management Liability | Zurich Select Plus") (Scope: Management liability page and Zurich page, both read on 2026-09-23.) ## How Does Cowbell Compare With Other Crime Insurance Providers? - [Cowbell vs AIG](https://thegeneralaverage.com/compare/aig-vs-cowbell) - [Cowbell vs Alliance Risk](https://thegeneralaverage.com/compare/alliance-risk-vs-cowbell) - [Cowbell vs Aon](https://thegeneralaverage.com/compare/aon-vs-cowbell) - [Cowbell vs The Baldwin Group](https://thegeneralaverage.com/compare/baldwin-vs-cowbell) - [Cowbell vs Beazley](https://thegeneralaverage.com/compare/beazley-vs-cowbell) - [Cowbell vs Berkshire Hathaway Specialty Insurance](https://thegeneralaverage.com/compare/berkshire-hathaway-specialty-insurance-vs-cowbell) ## Other Coverage Lines From Cowbell - [Cowbell Cyber Insurance](https://thegeneralaverage.com/insurance-providers/cowbell/cyber) - [Cowbell D&O Insurance](https://thegeneralaverage.com/insurance-providers/cowbell/directors-officers) - [Cowbell Employment Practices Liability Insurance](https://thegeneralaverage.com/insurance-providers/cowbell/employment-practices) - [Cowbell Fiduciary Liability Insurance](https://thegeneralaverage.com/insurance-providers/cowbell/fiduciary) - [Cowbell Management Liability Insurance](https://thegeneralaverage.com/insurance-providers/cowbell/management-liability) - [Cowbell Tech E&O Insurance](https://thegeneralaverage.com/insurance-providers/cowbell/technology-errors-omissions) ## Related Reading - [Cowbell Profile](https://thegeneralaverage.com/insurance-providers/cowbell) - [Cowbell Reliability](https://thegeneralaverage.com/insurance-providers/cowbell/reliability) - [Cowbell Alternatives](https://thegeneralaverage.com/insurance-providers/cowbell/alternatives) - [Coverage Guide: Crime](https://thegeneralaverage.com/coverage/crime) ## Sources for Cowbell Crime Insurance 1. [Management liability coverage for small & medium enterprises](https://cowbell.insure/mgmt-liability/). Cowbell; FAQ 'What is the difference between management liability and D&O?' (Crime Coverage definition); Target industries list; FAQ on access and account size. Accessed 2026-09-23. 2. [Small and Midsize Business Management Liability | Zurich Select Plus](https://www.zurichna.com/insurance/excess-and-surplus/small-business-management-liability). Zurich North America; Intro on the Zurich/Cowbell collaboration; module name 'Crime Insurance'; FAQ 'What is the difference between management liability and D&O?' (identical to Cowbell's page); Targeted industries list; footer copyright. Accessed 2026-09-23. ## How to Cite This Page Cowbell Crime Insurance: Coverage, Eligibility & Application (2026). The General Average, updated 2026-09-23. https://thegeneralaverage.com/insurance-providers/cowbell/crime. Quote the claim with its numbered source; the issued policy wording, not this page, defines coverage. Updated 2026-09-23. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. [Editorial policy](https://thegeneralaverage.com/editorial-policy). To suggest a correction, [email The General Average](mailto:thegeneralaverage@spot.insure) with the page URL and supporting source. ## Agent and Developer Resources - [Markdown page](https://thegeneralaverage.com/insurance-providers/cowbell/crime.md) - [Developer resources](https://spot.insure/developers) - [Public MCP server](https://spot.insure/mcp) - [MCP server manifest](https://spot.insure/server.json) - [OpenAPI description](https://spot.insure/openapi.json) - [Public page index](https://thegeneralaverage.com/llms.txt)