Liberty Mutual vs 
Newfront: How Do They Compare for Crime Insurance?
What Is Liberty Mutual Business Insurance?
Liberty Mutual spans small-commercial, commercial, specialty, surety, and reinsurance businesses. The insurer and distribution route depend on the product, so check the offer and policy before you compare terms. 1,2
What Is Newfront?
Newfront suits growing and enterprise businesses seeking specialist insurance and benefits teams plus Navigator policy tools; small firms wanting an instant direct quote should compare online carriers. Its Partner Management tool is included in client service agreements. 4,5,6,7
What Is Crime Insurance?
Crime insurance can help reimburse specified business losses from theft and fraud, including employee theft and forgery. Compare those protections separately and ask whether a payment sent after an impersonation scam is covered. 9,10,11,12,13
Key Differences in Crime Insurance
Underwriting and Package Structure
Liberty Mutual includes crime inside ProShield, a package policy combining management-liability coverages. Newfront says it brokers Executive Risk placements and lists “Fidelity and Crime” as a coverage, rather than underwriting the risk itself. A buyer can compare a carrier’s packaged policy with a broker-built placement by asking Newfront which insurer and crime form it proposes and Liberty Mutual how ProShield coordinates its lines. 3 8
Crime Detail and Claims Help
Liberty Mutual names employee dishonesty, embezzlement, safe burglary, and computer fraud as ProShield crime examples. Newfront’s overview groups fidelity and crime together but does not separately describe those crime insuring agreements; it says its Executive Risk practice provides integrated claims and coverage negotiation. If claims advocacy matters, ask Newfront how that support applies to a crime loss and compare the answer with Liberty Mutual’s policy claim process. 3 8 8
Account and Renewal Workflow
Newfront describes 24/7 dashboard access to policies, certificates, and billing, with renewal submissions using pre-populated historical data. Liberty Mutual’s ProShield material emphasizes the combined policy structure and does not describe a comparable account workflow. That may matter if you want ongoing digital access to documents; compare how each team handles certificates and renewal data for the proposed crime policy. 8 3
What to Confirm in Crime Insurance Quotes
- Ask Newfront for the issuing insurer, proposed crime form, and a schedule of covered events such as employee theft, computer fraud, and funds-transfer fraud. 8 8
- Ask Liberty Mutual how ProShield’s crime limit relates to its other management-liability coverage and what claim support is available. 3
- Ask Newfront whether its integrated claims negotiation applies to crime claims and who coordinates directly with the carrier. 8
Review Scores
These averages can combine ratings for different products, locations, and customer groups, including approximate BBB grade conversions. Read each review for the sources, scope, and calculation.
Liberty Mutual
Review Score
2 rated sources
Customers give Liberty Mutual 4.2 out of 5 on Trustpilot from 3,836 reviews, but that page mixes auto, home and life customers with business ones. For business insurance specifically, NerdWallet gives 3.0 out of 5 and reports more complaints than expected.[4][1]
Read Liberty Mutual reviewsNewfront
Review Score
1 rated source
Newfront has too little firmwide customer feedback for a reliable review verdict. An individual agent’s BBB grade does not establish the wider company’s service quality.[6]
Read Newfront reviewsOffering Details
Liberty Mutual vs Newfront: Crime Insurance: documented features by provider
| Criteria | Liberty Mutual ProShield Crime coverage | Newfront Fidelity and Crime Insurance |
|---|---|---|
| Role in This Line | Liberty Mutual includes crime coverage in its ProShield management-liability package for private and not-for-profit organizations. 3Company-reported. Liberty Mutual’s cited product or program overview documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents. | 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. 8Company-reported. Executive Risk offering page; crime and fidelity are listed together, not as separately described products. |
| Issuing Insurer | Confirm in your quote. | The reviewed Executive Risk page does not name the insurer or insurers that would issue a crime policy placed through Newfront. 8Not publicly disclosed. Executive Risk page as read on 2026-09-23; carrier depends on the specific placement. |
| Who It’s For | The source scopes ProShield to private and not-for-profit organizations; a specific organization’s eligibility is not established. 3Company-reported. Liberty Mutual’s cited product or program overview documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents. | 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. 8Company-reported. Here for the Long Run section; figures describe the executive-risk practice broadly, not crime coverage specifically. |
| Coverage Features | The ProShield page lists employee dishonesty, embezzlement, safe burglary, computer fraud and other crime exposures, plus selected coverage enhancements; these are marketing summaries, not policy terms. 3Company-reported. Liberty Mutual’s cited product or program overview documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents. | 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. 8Company-reported. Executive Risk page Key Coverages list; crime and fidelity are bundled in one line item. |
| Limits and Retentions | The cited public overview does not establish the limits, deductibles, exclusions or form terms that would apply to a specific buyer. 3Not publicly disclosed. Ask for the quote and specimen or issued policy forms before treating a listed feature as covered. | Newfront's Executive Risk page does not publish limits or retentions for crime coverage. 8Not publicly disclosed. Executive Risk page as read on 2026-09-23. |
| Risk Services | Liberty Mutual describes ProShield as one package policy that combines multiple management-liability coverages and is designed to reduce the need for separate endorsements. 3Company-reported. Liberty Mutual’s cited product or program overview documents this description. It does not establish the issuing insurer for an individual quote, exact state or provincial availability, the policy form, complete exclusions, or terms offered to a particular buyer; confirm those in the quote and policy documents. | 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. 8Company-reported. Industry-Leading Technology section; described across Executive Risk lines, not crime-specific. |
| How to Apply | Confirm in your quote. | You start a crime coverage placement by requesting a consultation through Newfront's Executive Risk page. 8Company-reported. Executive Risk page call-to-action; no online quoting or binding described. |
| Claims Support | Confirm in your quote. | Newfront says it provides "integrated claims and coverage negotiation" for its Executive Risk lines, which would apply to a crime claim. 8Company-reported. The Newfront Difference section; described across Executive Risk lines, not a crime-specific claims workflow. |
Full Comparison
More Liberty Mutual vs Newfront Comparisons
Other Crime Insurance Comparisons
Sources
Liberty Mutual
- Company Profile. Liberty Mutual Group; Strategic business units paragraph: US Retail Markets (individuals/small businesses; small commercial; countrywide) and Global Risk Solutions (mid-size/large businesses; commercial, specialty, reinsurance, surety; worldwide). Accessed 2026-09-29.
- Commercial Insurance Solutions. Liberty Mutual Business Insurance; Commercial solutions index names commercial auto and fleet, cyber, environmental liability, equipment breakdown, excess and surplus, general liability, healthcare liability, inland marine, management liability, multinational, ocean marine, professional liability, property, reinsurance, surety, umbrella/excess and workers compensation. Disclosure says policy insurer is named when offered, may be an affiliate/subsidiary or surplus-lines insurer; states/jurisdictions and actual policy terms vary. Accessed 2026-09-29.
- ProShield. Liberty Mutual Business Insurance; Opening paragraphs identify package combining directors and officers, employment practices, fiduciary, and crime coverages; D&O and crime sections describe examples of exposures and selected coverage features. Examples are not policy terms. Accessed 2026-09-29.
Newfront
- Business Insurance. Newfront; Purpose-Built Team; Full Transparency; Streamlined Program Management. Accessed 2026-09-15.
- Employee Benefits. Newfront; Employee Benefits heading; Tailored Solutions; Comprehensive Expertise: Benefits, Global Benefits, Compensation and Retirement. Accessed 2026-09-16.
- WTW Completes Acquisition Of Newfront. WTW; 27 January 2026 release; completion announcement and allocation of Business Insurance and Total Rewards to WTW segments. Accessed 2026-09-15.
- 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
- Commercial Insurance Guide. California Department of Insurance; Crime. Accessed 2026-09-16.
- Crime Non-Financial Applications and Forms. Travelers; Opening paragraph; Sample Policy Forms. Accessed 2026-09-16.
- Crime Terms and Conditions. The Travelers Companies, Inc.; I.A–G, printed/PDF pages 1–4; III.RR, printed/PDF p.13; V.B.1–2, printed/PDF pp.18–20; Consideration, printed/PDF p.1; III.P p.8; V.A.3 pp.16–17; V.A.4 p.17; V.B.3 p.20; I.A.3 p.1; III.C p.7; III.S pp.8–9; III.II and III.KK p.12; III.QQ p.13; V.A.5 pp.17–18 (printed/PDF pages); IV.J–O, printed/PDF pages 14–15. Accessed 2026-09-16.
- Commercial Crime Coverage Application. Travelers Casualty and Surety Company of America; I–III pages 1–2; IX–XI pages 3–4; V–VII, printed/PDF pages 2–3. Accessed 2026-09-16.
