---
title: "Lockton vs Newfront Crime Insurance"
description: "Lockton itemizes crime and fidelity claim types and an in-team claims practice; Newfront groups fidelity and crime under Executive Risk with dashboard and claims negotiation."
canonical: "https://spot.insure/compare/lockton-vs-newfront/crime"
page-type: "line-comparison"
updated-at: "2026-09-23"
---

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

# Lockton vs Newfront Crime Insurance

Lockton itemizes crime and fidelity claim types and an in-team claims practice; Newfront groups fidelity and crime under Executive Risk with dashboard and claims negotiation.

## Research Scope and Use

Use this comparison to evaluate Lockton 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

Lockton places Crime and Fidelity as a brokered program, lists social-engineering impersonation among claim types, and says its Professional & Executive Risk Claims team handles those claims. Newfront brokers crime inside Executive Risk, grouped with fidelity, for private companies from seed through later funding and for publicly traded companies. [4](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance") [9](https://www.newfront.com/executive-risk "Executive Risk")

## What Is Lockton?

Lockton is a privately held insurance brokerage that arranges commercial risk, employee benefits and retirement programs. US pages describe a technology practice and intermediary placement with insurers, not Lockton as the policy’s insurer. [1](https://global.lockton.com/us/en "Lockton United States") [2](https://global.lockton.com/us/en/technology "Technology") [3](https://global.lockton.com/us/en/terms-of-business "US Terms of Business")

[Lockton profile](https://spot.insure/insurance-providers/lockton)

## 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. [5](https://www.newfront.com/business-insurance "Business Insurance") [6](https://www.newfront.com/total-rewards "Employee Benefits") [7](https://www.newfront.com/navigator "Newfront Navigator") [8](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. [10](https://www.insurance.ca.gov/01-consumers/105-type/95-guides/09-comm/commercialguide.cfm "Commercial Insurance Guide")

## Key Differences in Crime Insurance

### Itemized Crime and Fidelity Versus a Combined Label

Lockton places Crime and Fidelity as a brokered program, not a policy it underwrites, and lists employee theft, forgery or alteration of negotiable instruments, theft on or off premises, computer fraud, counterfeit currency, and social-engineering impersonation fraud. Newfront brokers crime as part of Executive Risk, grouped with fidelity under one Key Coverages entry, and its Executive Risk page does not separately describe crime-specific insuring agreements such as employee theft, computer fraud or funds-transfer fraud. Neither page names the insurer. [4](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance") [9](https://www.newfront.com/executive-risk "Executive Risk")

### Claims Counsel in the Broking Team Versus Integrated Negotiation

Lockton says its Professional & Executive Risk Claims team integrates insurance and claims counsel within the broking team rather than treating claims advocacy as a separate profit center. Newfront says it provides integrated claims and coverage negotiation for Executive Risk lines, which would apply to a crime claim, and that clients get 24/7 dashboard access to policies, certificates and billing with renewals using pre-populated historical data. [4](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance") [9](https://www.newfront.com/executive-risk "Executive Risk")

### Who Each Practice Names as a Buyer

Lockton says crime coverage is relevant to nonprofit, private and public organizations of any sector and calls out small businesses as particularly exposed because they often lack fraud-prevention and auditing resources. 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. [4](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance") [9](https://www.newfront.com/executive-risk "Executive Risk")

## What to Confirm in Crime Insurance Quotes

- Ask Newfront which agreements sit under Fidelity and Crime compared with Lockton’s listed claim types. [9](https://www.newfront.com/executive-risk "Executive Risk") [4](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance")
- If you are a financial institution, ask Lockton whether a financial institution bond is required. [4](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance")
- Compare how each firm would handle a crime claim: Lockton’s Professional & Executive Risk Claims team versus Newfront’s integrated claims negotiation. [4](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance") [9](https://www.newfront.com/executive-risk "Executive Risk")
- Get the writing company and limits from both. [4](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance") [9](https://www.newfront.com/executive-risk "Executive Risk")

## Offering Details

| Criteria | Lockton Crime and Fidelity Insurance Brokerage | Newfront Fidelity and Crime Insurance |
| --- | --- | --- |
| Role in This Line | Lockton places Crime and Fidelity insurance to protect businesses against financial losses from theft, fraud, forgery and embezzlement by employees or third parties; it describes this as a brokered program, not a policy Lockton underwrites. [4](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance") (Evidence: Company-reported; scope: Crime and Fidelity product page as read 2026-09-23..) | 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. [9](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 | The page does not name the insurers Lockton places crime and fidelity coverage with. [4](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance") (Evidence: Not publicly disclosed; scope: Crime and Fidelity page checked 2026-09-23..) | The reviewed Executive Risk page does not name the insurer or insurers that would issue a crime policy placed through Newfront. [9](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 | Lockton says crime coverage is relevant to nonprofit, private and public organizations of any sector, and calls out small businesses as particularly exposed because they often lack fraud-prevention and auditing resources. It also notes financial institutions are frequently required to carry a financial institution bond, distinct from general crime coverage. [4](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance") (Evidence: Company-reported; scope: Crime and Fidelity product page as read 2026-09-23..) | 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. [9](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 | Lockton lists the claim types a crime and fidelity program is meant to address: employee theft, forgery or alteration of negotiable instruments, theft on or off premises, computer fraud, counterfeit currency, and social engineering (impersonation) fraud involving customers, vendors or employees. [4](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance") (Evidence: Company-reported; scope: Product page as read 2026-09-23; a capability/claim-type list, not a specimen policy..) | 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. [9](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 | Not described in the reviewed sources. | Newfront's Executive Risk page does not publish limits or retentions for crime coverage. [9](https://www.newfront.com/executive-risk "Executive Risk") (Evidence: Not publicly disclosed; scope: Executive Risk page as read on 2026-09-23..) |
| Risk Services | Not described in the reviewed sources. | 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. [9](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 | Not described in the reviewed sources. | You start a crime coverage placement by requesting a consultation through Newfront's Executive Risk page. [9](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 | Lockton says its Professional & Executive Risk Claims team, which integrates insurance and claims counsel within the broking team rather than treating claims advocacy as a separate profit center, handles Crime and Fidelity claims. [4](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance "Crime and Fidelity Insurance") (Evidence: Company-reported; scope: Product page as read 2026-09-23. Describes Lockton's advocacy role, not an insurer's claim-paying obligation..) | Newfront says it provides "integrated claims and coverage negotiation" for its Executive Risk lines, which would apply to a crime claim. [9](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

- [Lockton vs Newfront](https://spot.insure/compare/lockton-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.
- [Lockton vs Newfront Cargo and Transit Insurance](https://spot.insure/compare/lockton-vs-newfront/cargo-transit)
- [Lockton vs Newfront Commercial Property Insurance](https://spot.insure/compare/lockton-vs-newfront/commercial-property)
- [Lockton vs Newfront Cyber Insurance](https://spot.insure/compare/lockton-vs-newfront/cyber)
- [Lockton vs Newfront D&O Insurance](https://spot.insure/compare/lockton-vs-newfront/directors-officers)
- [Lockton vs Newfront Employee Health Benefits](https://spot.insure/compare/lockton-vs-newfront/employee-health-benefits)
- [Lockton vs Newfront Employment Practices Liability Insurance](https://spot.insure/compare/lockton-vs-newfront/employment-practices)
- [Lockton vs Newfront Fiduciary Liability Insurance](https://spot.insure/compare/lockton-vs-newfront/fiduciary)
- [Lockton vs Newfront General Liability Insurance](https://spot.insure/compare/lockton-vs-newfront/general-liability)
- [Lockton vs Newfront Product Liability Insurance](https://spot.insure/compare/lockton-vs-newfront/product-liability)
- [Lockton vs Newfront Representations and Warranties Insurance](https://spot.insure/compare/lockton-vs-newfront/representations-warranties)
- [Lockton vs Newfront Surety Bonds](https://spot.insure/compare/lockton-vs-newfront/surety-bonds)
- [Lockton vs Newfront Workers’ Compensation Insurance](https://spot.insure/compare/lockton-vs-newfront/workers-compensation)
- [Alliance Risk vs Lockton Crime Insurance](https://spot.insure/compare/alliance-risk-vs-lockton/crime)
- [Alliance Risk vs Newfront Crime Insurance](https://spot.insure/compare/alliance-risk-vs-newfront/crime)
- [Beazley vs Lockton Crime Insurance](https://spot.insure/compare/beazley-vs-lockton/crime)
- [Beazley vs Newfront Crime Insurance](https://spot.insure/compare/beazley-vs-newfront/crime)
- [CFC vs Lockton Crime Insurance](https://spot.insure/compare/cfc-vs-lockton/crime)
- [CFC vs Newfront Crime Insurance](https://spot.insure/compare/cfc-vs-newfront/crime)

## Sources

### Lockton

1. [Lockton United States](https://global.lockton.com/us/en). Lockton; Opening description of independent insurance brokerage for risk, benefits and retirement; Ask an Expert link to contact-us. Accessed 2026-09-16.
2. [Technology](https://global.lockton.com/us/en/technology). Lockton; Industry introduction; cyber liability heading; dedicated technology team; listed services including claims advocacy, contract review, directors and officers liability, and international program design; 24/7 service model. Accessed 2026-09-16.
3. [US Terms of Business](https://global.lockton.com/us/en/terms-of-business). Lockton; Opening entity definition; Surplus Lines; Use of a Particular Insurer; Compensation Disclosure; servicing, claims handling and renewal language in Confidentiality section; Intermediaries. Accessed 2026-09-16.
4. [Crime and Fidelity Insurance](https://global.lockton.com/us/en/products-services/crime-and-fidelity-insurance). Lockton; What is Crime and Fidelity Insurance?; Who needs to purchase Crime and Fidelity Insurance?; Types of Crime and Fidelity claims; Claims management. Accessed 2026-09-23.

### Newfront

5. [Business Insurance](https://www.newfront.com/business-insurance). Newfront; Purpose-Built Team; Full Transparency; Streamlined Program Management. Accessed 2026-09-15.
6. [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.
7. [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.
8. [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.
9. [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

10. [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.

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