---
title: "Gallagher vs Newfront Crime Insurance"
description: "Gallagher places small-business fidelity and crime and a separate large-account desk; Newfront groups fidelity and crime inside Executive Risk for funded companies."
canonical: "https://spot.insure/compare/gallagher-vs-newfront/crime"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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[Human-readable page](https://spot.insure/compare/gallagher-vs-newfront/crime)

# Gallagher vs Newfront Crime Insurance

Gallagher places small-business fidelity and crime and a separate large-account desk; Newfront groups fidelity and crime inside Executive Risk for funded companies.

## Research Scope and Use

Use this comparison to evaluate Gallagher and Newfront for Crime Insurance against the same documented criteria. It identifies differences and questions to confirm; it does not select a winner for a particular business. Offering claims are what each provider publishes about this line unless marked otherwise. “Not found” describes the evidence reviewed, not proof that a feature is unavailable. Confirm the insurer, policy wording, limits, retentions, exclusions and cost in an actual quote.

## Summary

Gallagher Small Business arranges fidelity and crime for small-business clients, while its Executive and Financial Risk practice places larger accounts and describes a peer-index method for limits. Newfront brokers crime inside Executive Risk, grouped with fidelity, for private companies from seed through later funding and for publicly traded companies, with a dashboard for policies and certificates. [6](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [11](https://www.newfront.com/executive-risk "Executive Risk")

## What Is Gallagher?

Gallagher is a business-insurance broker and risk-management consultancy. Its technology practice serves startups through global enterprises, alongside a separate small-business offering for IT professionals and an executive-risk practice covering D&O and transaction-related coverages. Woodruff Sawyer is now part of Gallagher. [1](https://www.ajg.com/industries/technology-insurance/ "Technology Insurance") [2](https://www.gallaghersmallbusiness.com/technology-services/ "Insurance for Technology & IT Businesses") [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [4](https://www.gallaghersmallbusiness.com/legal-information/ "Legal Information") [5](https://www.ajg.com/merger-partners/woodruff-sawyer-is-now-gallagher/ "Woodruff Sawyer Is Now Gallagher")

[Gallagher profile](https://spot.insure/insurance-providers/gallagher)

## What Is Newfront?

Newfront is a business-insurance and employee-benefits brokerage that combines specialist teams with online policy-management tools. It is now part of WTW. [7](https://www.newfront.com/business-insurance "Business Insurance") [8](https://www.newfront.com/total-rewards "Employee Benefits") [9](https://www.newfront.com/navigator "Newfront Navigator") [10](https://investors.wtwco.com/news-releases/news-release-details/wtw-completes-acquisition-newfront "WTW Completes Acquisition Of Newfront")

[Newfront profile](https://spot.insure/insurance-providers/newfront)

## What Is Crime Insurance?

Crime insurance addresses business losses from specified theft and fraud risks, such as robbery, forgery and embezzlement. [12](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide")

## Key Differences in Crime Insurance

### Size Split Versus One Executive Risk Practice

Gallagher Small Business arranges fidelity and crime with outside carriers for small-business clients; a separate group Executive and Financial Risk practice places the same coverage for larger accounts, and Gallagher does not underwrite either policy. Newfront brokers crime as part of Executive Risk, listing fidelity and crime together as one Key Coverages entry, and negotiates placement rather than underwriting. Neither Gallagher page nor Newfront’s Executive Risk page names the insurer. [6](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [11](https://www.newfront.com/executive-risk "Executive Risk")

### Who the Practice Is Built For

Gallagher recommends fidelity and crime for small businesses exposed to funds-transfer fraud, computer fraud, employee fraud or destruction of personal property. Newfront says Executive Risk 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. [6](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") [11](https://www.newfront.com/executive-risk "Executive Risk")

### Limit Method, Dashboard and Claims Help

For larger accounts, Gallagher’s limit-setting method includes peer analysis using third-party databases and a Surety Association of America exposure index; neither Gallagher page publishes specific crime limits. Newfront’s Executive Risk page also does not publish crime limits or retentions. Newfront says clients get 24/7 access to policies, certificates and billing through a connected dashboard, that renewals use pre-populated historical data, and that it provides integrated claims and coverage negotiation for Executive Risk lines, including a crime claim. Gallagher’s small-business crime page routes buyers to a Connect With An Advisor form. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") [6](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") [11](https://www.newfront.com/executive-risk "Executive Risk")

## What to Confirm in Crime Insurance Quotes

- Ask Gallagher which desk is placing you and whether peer-index work will set the limit. [6](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance")
- Ask Newfront which insuring agreements sit under the combined Fidelity and Crime label. [11](https://www.newfront.com/executive-risk "Executive Risk")
- Confirm dashboard access and how Newfront will handle a crime claim versus Gallagher’s advisor-led path. [11](https://www.newfront.com/executive-risk "Executive Risk") [6](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime")
- Get the writing company from both. [6](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") [11](https://www.newfront.com/executive-risk "Executive Risk")

## Offering Details

| Criteria | Gallagher Small Business Fidelity and Crime Insurance | Newfront Fidelity and Crime Insurance |
| --- | --- | --- |
| Role in This Line | Gallagher Small Business arranges Fidelity and Crime coverage with outside carriers for small-business clients; its group-level Executive and Financial Risk practice separately places the same coverage for larger accounts. Gallagher does not underwrite either policy. [6](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: Small-business crime product page and the group-level executive-risk practice page..) | 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. [11](https://www.newfront.com/executive-risk "Executive Risk") (Evidence: Company-reported; scope: Executive Risk offering page; crime and fidelity are listed together, not as separately described products..) |
| Issuing Insurer | Neither the small-business crime page nor the executive-risk practice page names the insurer that would issue a given client's crime policy. [6](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Not publicly disclosed; scope: Checked both pages on 2026-09-23..) | The reviewed Executive Risk page does not name the insurer or insurers that would issue a crime policy placed through Newfront. [11](https://www.newfront.com/executive-risk "Executive Risk") (Evidence: Not publicly disclosed; scope: Executive Risk page as read on 2026-09-23; carrier depends on the specific placement..) |
| Who It’s For | Gallagher recommends this coverage for small businesses exposed to funds-transfer fraud, computer fraud, employee fraud, or destruction of personal property. [6](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") (Evidence: Company-reported; scope: Small-business crime product page "Do you need Fidelity and Crime insurance?" list; actual acceptance depends on underwriting..) | 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. [11](https://www.newfront.com/executive-risk "Executive Risk") (Evidence: Company-reported; scope: Here for the Long Run section; figures describe the executive-risk practice broadly, not crime coverage specifically..) |
| Coverage Features | Gallagher describes Fidelity and Crime insurance as covering losses from fraudulent or dishonest acts, including credit card forgery, computer fraud, funds-transfer fraud, employee fraud, theft and destruction of property. [6](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") (Evidence: Company-reported; scope: Small-business crime product page; a coverage description, not a specific policy's insuring agreement or exclusions..) | 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. [11](https://www.newfront.com/executive-risk "Executive Risk") (Evidence: Company-reported; scope: Executive Risk page Key Coverages list; crime and fidelity are bundled in one line item..) |
| Limits and Retentions | Neither page publishes specific crime coverage limits or premium ranges. [6](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Not publicly disclosed; scope: Checked both pages on 2026-09-23..) | Newfront's Executive Risk page does not publish limits or retentions for crime coverage. [11](https://www.newfront.com/executive-risk "Executive Risk") (Evidence: Not publicly disclosed; scope: Executive Risk page as read on 2026-09-23..) |
| Risk Services | For larger accounts, Gallagher says its methodology for setting crime coverage limits includes peer analysis using third-party databases and an exposure index developed by the Surety Association of America with the American Institute of Accountants. [3](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/ "Executive and Financial Risk Insurance") (Evidence: Company-reported; scope: Group-level executive-risk practice page; not confirmed as applied to the small-business product..) | 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. [11](https://www.newfront.com/executive-risk "Executive Risk") (Evidence: Company-reported; scope: Industry-Leading Technology section; described across Executive Risk lines, not crime-specific..) |
| How to Apply | The small-business crime page routes buyers to a Connect With An Advisor form asking for company details, business description, other coverage interests, employee count and annual revenue. [6](https://www.gallaghersmallbusiness.com/insurance-products/crime/ "Crime") (Evidence: Company-reported; scope: Product page inquiry form, inspected without submission..) | You start a crime coverage placement by requesting a consultation through Newfront's Executive Risk page. [11](https://www.newfront.com/executive-risk "Executive Risk") (Evidence: Company-reported; scope: Executive Risk page call-to-action; no online quoting or binding described..) |
| Claims Support | 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. [11](https://www.newfront.com/executive-risk "Executive Risk") (Evidence: Company-reported; scope: The Newfront Difference section; described across Executive Risk lines, not a crime-specific claims workflow..) |

## Full Comparison

- [Gallagher vs Newfront](https://spot.insure/compare/gallagher-vs-newfront): all coverage lines, business roles, service and claims.
- [What Is Crime Insurance?](https://spot.insure/coverage/crime): Crime insurance can help recover business losses from specified theft and fraud, including employee theft, forgery and payment fraud.
- [Gallagher vs Newfront Commercial Auto Insurance](https://spot.insure/compare/gallagher-vs-newfront/commercial-auto)
- [Gallagher vs Newfront Commercial Property Insurance](https://spot.insure/compare/gallagher-vs-newfront/commercial-property)
- [Gallagher vs Newfront Cyber Insurance](https://spot.insure/compare/gallagher-vs-newfront/cyber)
- [Gallagher vs Newfront D&O Insurance](https://spot.insure/compare/gallagher-vs-newfront/directors-officers)
- [Gallagher vs Newfront Employee Health Benefits](https://spot.insure/compare/gallagher-vs-newfront/employee-health-benefits)
- [Gallagher vs Newfront Employment Practices Liability Insurance](https://spot.insure/compare/gallagher-vs-newfront/employment-practices)
- [Gallagher vs Newfront Fidelity Bonds](https://spot.insure/compare/gallagher-vs-newfront/fidelity-bonds)
- [Gallagher vs Newfront Fiduciary Liability Insurance](https://spot.insure/compare/gallagher-vs-newfront/fiduciary)
- [Gallagher vs Newfront General Liability Insurance](https://spot.insure/compare/gallagher-vs-newfront/general-liability)
- [Gallagher vs Newfront Product Recall Insurance](https://spot.insure/compare/gallagher-vs-newfront/product-recall)
- [Gallagher vs Newfront Professional Liability (E&O) Insurance](https://spot.insure/compare/gallagher-vs-newfront/professional-errors-omissions)
- [Gallagher vs Newfront Representations and Warranties Insurance](https://spot.insure/compare/gallagher-vs-newfront/representations-warranties)
- [Gallagher vs Newfront Surety Bonds](https://spot.insure/compare/gallagher-vs-newfront/surety-bonds)
- [Gallagher vs Newfront Tech E&O Insurance](https://spot.insure/compare/gallagher-vs-newfront/technology-errors-omissions)
- [Gallagher vs Newfront Umbrella and Excess Liability Insurance](https://spot.insure/compare/gallagher-vs-newfront/umbrella-excess)
- [Gallagher vs Newfront Workers’ Compensation Insurance](https://spot.insure/compare/gallagher-vs-newfront/workers-compensation)
- [Alliance Risk vs Gallagher Crime Insurance](https://spot.insure/compare/alliance-risk-vs-gallagher/crime)
- [Alliance Risk vs Newfront Crime Insurance](https://spot.insure/compare/alliance-risk-vs-newfront/crime)
- [Beazley vs Gallagher Crime Insurance](https://spot.insure/compare/beazley-vs-gallagher/crime)
- [Beazley vs Newfront Crime Insurance](https://spot.insure/compare/beazley-vs-newfront/crime)
- [CFC vs Gallagher Crime Insurance](https://spot.insure/compare/cfc-vs-gallagher/crime)
- [CFC vs Newfront Crime Insurance](https://spot.insure/compare/cfc-vs-newfront/crime)

## Sources

### Gallagher

1. [Technology Insurance](https://www.ajg.com/industries/technology-insurance/). Gallagher; Introduction; Solutions and coverages for the technology industry: Technology errors and omissions including cyber, Intellectual property insurance, Product liability, Employee benefits; Data-driven insights; global network. Accessed 2026-09-16.
2. [Insurance for Technology & IT Businesses](https://www.gallaghersmallbusiness.com/technology-services/). Gallagher Small Business; Protection for IT Professionals & Their Technology-Based Businesses; recommended coverage menu, including Surety Bond Programs; Connect With An Advisor. Accessed 2026-09-16.
3. [Executive and Financial Risk Insurance](https://www.ajg.com/insurance/executive-and-financial-risk-insurance/). Gallagher; Employee Dishonesty (Crime) and Fidelity Bond insurance section. Accessed 2026-09-23.
4. [Legal Information](https://www.gallaghersmallbusiness.com/legal-information/). Gallagher Small Business; Producer identification immediately above Quick Links. Accessed 2026-09-16.
5. [Woodruff Sawyer Is Now Gallagher](https://www.ajg.com/merger-partners/woodruff-sawyer-is-now-gallagher/). Gallagher; Opening; Executive and Financial Risk consulting; Continued access to client portals; contact form. Accessed 2026-09-16.
6. [Crime](https://www.gallaghersmallbusiness.com/insurance-products/crime/). Gallagher Small Business; Coverage Overview; Do you need Fidelity and Crime insurance?; Connect With An Advisor form. Accessed 2026-09-23.

### Newfront

7. [Business Insurance](https://www.newfront.com/business-insurance). Newfront; Purpose-Built Team; Full Transparency; Streamlined Program Management. Accessed 2026-09-15.
8. [Employee Benefits](https://www.newfront.com/total-rewards). Newfront; Employee Benefits heading; Tailored Solutions; Comprehensive Expertise: Benefits, Global Benefits, Compensation and Retirement. Accessed 2026-09-16.
9. [Newfront Navigator](https://www.newfront.com/navigator). Newfront; Total Access. Real Confidence; Explore What You Can Do in Navigator; product demonstration image. Accessed 2026-09-15.
10. [WTW Completes Acquisition Of Newfront](https://investors.wtwco.com/news-releases/news-release-details/wtw-completes-acquisition-newfront). WTW; 27 January 2026 release; completion announcement and allocation of Business Insurance and Total Rewards to WTW segments. Accessed 2026-09-15.
11. [Executive Risk](https://www.newfront.com/executive-risk). Newfront; Key Coverages to Protect Your Business: Fidelity and Crime; Here for the Long Run: Private Companies and Public statistics; Industry-Leading Technology. Accessed 2026-09-23.

### Crime Insurance Guide

12. [Commercial Insurance Guide](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm). California Department of Insurance; Crime. Accessed 2026-09-16.

Updated 2026-09-23. Spot, a product of Tools for Enlightenment, publishes this research and works in the commercial insurance market. The comparison applies the same criteria to both providers. [Editorial policy](https://spot.insure/editorial-policy). To suggest a correction, [contact Spot](https://spot.insure/contact) with the page URL and supporting source.

## Agent and Developer Resources

- [Markdown page](https://spot.insure/compare/gallagher-vs-newfront/crime.md)
- [Developer resources](https://spot.insure/developers)
- [Public MCP server](https://spot.insure/mcp)
- [MCP server manifest](https://spot.insure/server.json)
- [OpenAPI description](https://spot.insure/openapi.json)
- [Public page index](https://spot.insure/llms.txt)