Cowbell vs Newfront 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. ^4,3Company-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. ⁹Company-reported. Executive Risk offering page; crime and fidelity are listed together, not as separately described products.

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. ^4,3Company-reported. Management liability page intro; Zurich page intro and footer.

The reviewed Executive Risk page does not name the insurer or insurers that would issue a crime policy placed through Newfront. ⁹Not publicly disclosed. Executive Risk page as read on 2026-09-23; carrier depends on the specific placement.

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. ⁴Company-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. ⁹Company-reported. Here for the Long Run section; figures describe the executive-risk practice broadly, not crime coverage specifically.

Cowbell describes crime coverage as protecting against losses resulting from criminal acts such as theft, fraud, and embezzlement committed by employees or third parties. ⁴Company-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. ⁹Company-reported. Executive Risk page Key Coverages list; crime and fidelity are bundled in one line item.

Neither the Cowbell page nor Zurich's own Select Plus page, both read in full, publishes crime-coverage limit or retention amounts. ^4,3Not publicly disclosed. Cowbell page and Zurich page, both read on 2026-09-23.

Newfront's Executive Risk page does not publish limits or retentions for crime coverage. ⁹Not publicly disclosed. Executive Risk page as read on 2026-09-23.

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. ^4,3Not publicly disclosed. Management liability page and Zurich page, both read on 2026-09-23.

Newfront says clients get 24/7 access to their insurance program, including policies, certificates of insurance and billing, through its connected dashboard, and that renewal submissions use pre-populated historical data. ⁹Company-reported. Industry-Leading Technology section; described across Executive Risk lines, not crime-specific.

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. ⁴Company-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. ⁹Company-reported. Executive Risk page call-to-action; no online quoting or binding described.

Not described in the reviewed sources.

Newfront says it provides "integrated claims and coverage negotiation" for its Executive Risk lines, which would apply to a crime claim. ⁹Company-reported. The Newfront Difference section; described across Executive Risk lines, not a crime-specific claims workflow.