What Does Fiduciary Liability Insurance from Cowbell Cover?
Cowbell offers fiduciary liability insurance, covering breaches of duty tied to employee benefit plans like 401(k)s, to private companies with under 250 employees and under $50M in assets.
Cowbell / Zurich Select Plus Fiduciary Liability · Updated
What Is Cowbell’s Role in Fiduciary Liability Insurance?
Fiduciary liability 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 'Fiduciary Liability' as one of the four modules a buyer can combine. 1,2
Company-reported.Management liability page intro and module list; Zurich page module-name section.
Who Issues Cowbell Fiduciary Liability Insurance?
Cowbell and Zurich both say the Select Plus modules, including fiduciary liability, 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. 1,2
Company-reported.Management liability page intro; Zurich page intro and footer.
Who Is Cowbell Fiduciary Liability Insurance For?
Cowbell targets this fiduciary 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, such as manufacturing and technology. 1
Company-reported.FAQ 'What size accounts are targeted?' and Target industries list.
Coverage Features of Cowbell Fiduciary Liability Insurance
Cowbell describes fiduciary liability as protecting against claims arising from breaches of fiduciary duties related to employee benefit plans, such as a company's 401(k) or health plan. 1
Company-reported.FAQ 'What is the difference between management liability and D&O?'.
Cowbell Fiduciary Liability Insurance Limits and Retentions
What Risk Services Come With Cowbell Fiduciary Liability Insurance?
Both Cowbell and Zurich describe the Select Plus product generally as backed by 'the reputable Zurich Claims service'; neither reviewed page describes a fiduciary-specific service such as plan-compliance consulting. 1,2
Not publicly disclosed.Management liability page intro; Zurich page intro, both read on 2026-09-23.
How Do You Apply for Cowbell Fiduciary Liability Insurance?
This fiduciary module is accessed only by appointed Zurich E&S wholesalers through the Cowbell platform's API; it is not sold directly to businesses. 1
Company-reported.FAQ 'How can I access the Zurich Select Plus management liability product through Cowbell?'.
Cowbell Fiduciary Liability Insurance Compared With Other Providers
Other Coverage Lines Documented for Cowbell
Sources for Cowbell Fiduciary Liability Insurance
- Management liability coverage for small & medium enterprises. Cowbell; FAQ 'What is the difference between management liability and D&O?' (Fiduciary Liability definition); Target industries list; FAQ on access and account size. Accessed 2026-09-23.
- Small and Midsize Business Management Liability | Zurich Select Plus. Zurich North America; Intro on the Zurich/Cowbell collaboration; module name 'Fiduciary Liability'; 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.