What Does D&O Insurance from Cowbell Cover?

Private Company D&O is one module within Cowbell's distribution of Zurich's Select Plus management liability product; Cowbell gives Zurich-appointed E&S wholesalers platform access, and Zurich underwrites the module. Zurich's own page labels this module 'Private Management and Company Liability' rather than plain 'D&O.' ^1,2Company-reportedManagement liability page intro and module list; Zurich page module-name section.

Cowbell and Zurich both say the Select Plus modules, including D&O, are offered 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 D&O module. ^1,2Company-reportedManagement liability page intro; Zurich page intro and footer.

Cowbell targets this D&O module at private companies with under 250 employees and under $50M in assets, in industries such as technology, construction, manufacturing, hospitality, and retail. ¹Company-reportedFAQ 'What size accounts are targeted?' and Target industries list.

Cowbell describes D&O liability as protecting the personal assets of directors and officers and the company's financial assets against claims alleging wrongful acts in their capacity as directors and officers. 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 D&O limit or retention amounts. ^1,2Not publicly disclosedCowbell page and Zurich page, both read on 2026-09-23.

Cowbell frames D&O coverage as a way to help attract and retain directors and officers by giving them personal-asset protection, and says the product covers legal fees, settlements, and other defense costs for the company and its management. ¹Company-reportedFAQ 'Why does my company need management liability coverage?'.

This D&O 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?'.