What Does Management Liability Insurance from Cowbell Cover?

Cowbell is the distribution platform, not the insurer: it gives Zurich-appointed E&S wholesalers API access to Zurich's Select Plus management liability product, a modular suite Zurich already sells to larger companies, sized down for small and midsize private businesses. Zurich's own page confirms Select Plus is 'Zurich Insurance, in collaboration with Cowbell,' offered as a 'proprietary form,' with identical FAQ wording to Cowbell's page. ^1,2Company-reportedCowbell intro paragraph and FAQ; Zurich intro and 'Delivering speed from quoting to policy issuance' section.

Both Cowbell and Zurich say the product is offered on Zurich admitted paper and backed by 'the reputable Zurich Claims service.' Neither page names the specific underwriting Zurich subsidiary or policy-issuing entity; Zurich's site footer copyright reads 'Zurich American Insurance Company,' but that is a general site-wide notice, not a stated policy-issuer confirmation for Select Plus specifically. ^1,2Company-reportedManagement liability page intro; Zurich page intro and footer.

Cowbell says the product targets SME private companies with under 250 employees and under $50M in assets, and lists target industries including specialty chemicals, technology, energy/utilities, construction, manufacturing, hospitality, retail, and integrated freight & logistics. ¹Company-reportedFAQ 'What size accounts are targeted?' and 'Target industries' list.

Zurich's own page names the four Select Plus modules as 'Private Management and Company Liability,' 'Employment Practices and Third-Party Discrimination Liability,' 'Fiduciary Liability,' and 'Crime Insurance' -- broader labels than the plain 'D&O' and 'EPL' shorthand Cowbell's FAQ uses -- and says a buyer can combine up to four of these modules into one policy. ²Company-reportedZurich page 'Protect your small to midsize business with Zurich's Select Plus Management Liability solutions' section.

Cowbell describes management liability as a modular umbrella covering four lines within the Select Plus product: private company D&O, employment practices liability, fiduciary liability, and crime, each addressing a different category of management or employee risk. ¹Company-reportedFAQ 'What is the difference between management liability and D&O?'.

Neither the Cowbell page nor Zurich's own Select Plus page publishes limit or retention amounts for the modules; both were read in full and neither discloses a figure. ^1,2Not publicly disclosedCowbell page and Zurich page, both read on 2026-09-23.

Cowbell says the product is backed by Zurich's claims service, and frames the offering's advantage as faster quoting and issuance through Cowbell's technology platform compared with Zurich's standard process, rather than describing separate risk-control services. ¹Company-reportedPage intro and FAQ 'What makes the Zurich Select Plus offering through Cowbell unique?'.

Access is limited to appointed wholesalers of Zurich Excess & Surplus (E&S): a wholesaler already appointed by Zurich E&S can reach the product through the Cowbell platform via API, and is directed to contact a Cowbell or Zurich representative to set that up. The product is not sold directly to businesses. ¹Company-reportedFAQ 'How can I access the Zurich Select Plus management liability product through Cowbell?'.

Cowbell says the most common management liability claims fall under employment practices liability, citing discrimination, wrongful termination, harassment, and retaliation as the most frequent claim types. ¹Company-reportedFAQ 'What is the most common management liability claim?'; describes claim frequency, not Cowbell's own claims-handling process.