Cowbell vs Newfront: How Do They Compare for Crime Insurance?

Newfront brokers crime cover from a consultation request and says its Executive Risk practice serves private companies from seed round on; Cowbell's Zurich-underwritten module is for private companies under 250 employees and $50 million in assets, via wholesalers.

Cowbell fits smaller private companies within its employee and asset targets that can access a wholesaler; Newfront serves startups and public companies but leaves crime-specific agreements and limits unspecified. ^1,^2,³

What Are the Key Differences Between Cowbell and Newfront Crime Insurance?

Newfront describes Executive Risk work with private companies from seed through later rounds and more than 500 public companies. Its page groups crime with fidelity, so request crime-specific terms; Cowbell gives a clearer size target but requires a wholesale contact. ³ ¹

Named Module Versus Executive-Risk Placement

Cowbell’s crime offering is a named Select Plus module: Cowbell operates the platform and Zurich underwrites the module. Newfront brokers Fidelity and Crime as one Key Coverages entry in Executive Risk and negotiates placement rather than underwriting. ¹ ² ³

Coverage Language

Cowbell describes crime as protecting against theft, fraud and embezzlement by employees or third parties. Newfront lists Fidelity and Crime among Executive Risk coverages and does not separately describe crime-specific insuring agreements such as employee theft, computer fraud or funds-transfer fraud. ¹ ³

Until Newfront puts those agreements on a quote, you are comparing Cowbell’s published definition with a bundled line item. ¹ ³

How You Start

Appointed Zurich E&S wholesalers access Cowbell’s module through the platform API; it is not sold directly to businesses. You start a Newfront crime placement by requesting a consultation through the Executive Risk page. ¹ ³

What Should You Confirm in Cowbell and Newfront Crime Insurance Quotes?

Confirm Cowbell wholesaler appointment and whether you sit under 250 employees and $50 million in assets. ¹
Ask Newfront which carrier issues Fidelity and Crime and which insuring agreements are on the form. ³
Ask whether Newfront’s dashboard access and integrated claims negotiation apply to the crime placement. ³
Ask whether Newfront’s Executive Risk work from seed through public companies is the book placing your crime coverage. ³

Cowbell vs Newfront Crime Insurance Compared

Cowbell vs Newfront: Crime Insurance: documented features by provider

Criteria	Cowbell / Zurich Select Plus Crime Coverage	Newfront Fidelity and Crime Insurance
Who It’s 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. ¹Company-reported. FAQ 'What size accounts are targeted?' and Target industries list.	Newfront says its Executive Risk practice services private companies from seed round through every series of funding, and describes work with over 500 publicly traded companies, without a crime-specific eligibility threshold. ³Company-reported. Here for the Long Run section; figures describe the executive-risk practice broadly, not crime coverage specifically.
How to Apply	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-reported. FAQ 'How can I access the Zurich Select Plus management liability product through Cowbell?'.	You start a crime coverage placement by requesting a consultation through Newfront's Executive Risk page. ³Company-reported. Executive Risk page call-to-action; no online quoting or binding described.
Coverage Features	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-reported. FAQ 'What is the difference between management liability and D&O?'.	Newfront lists "Fidelity and Crime" among the Key Coverages of its Executive Risk program. The page does not separately describe crime-specific insuring agreements such as employee theft, computer fraud or funds-transfer fraud. ³Company-reported. Executive Risk page Key Coverages list; crime and fidelity are bundled in one line item.
Role in This Line	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-reported. Management liability page intro and module list; Zurich page module-name section.	Newfront brokers crime coverage as part of its Executive Risk practice, which it groups with fidelity coverage under one Key Coverages entry. It negotiates placement rather than underwriting the risk. ³Company-reported. Executive Risk offering page; crime and fidelity are listed together, not as separately described products.