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. 1,2,3,4
Zurich U.S. Business Insurance: Products, Access, and Claims
Zurich U.S. serves Middle Market businesses and large or national accounts with commercial property-casualty and specialty insurance. Buyers can explore product lines and work through an agent or broker; the insurer named on a quote or policy identifies which Zurich company underwrites that coverage. 6,7
What Are Fidelity Bonds?
Fidelity coverage can reimburse certain losses when employees steal money or property they handle. If employees manage company funds, customer property or benefit-plan assets, identify each owner and compare the required protection for each interest. 9,10,11
Key Differences in Fidelity Bonds
Published terms and limits
Newfront lists “Fidelity and Crime” among its Executive Risk coverages but does not separately describe bond limits, covered positions, or insuring agreements. Zurich’s ERISA product gives more specific structure: Express has fraud-and-dishonesty limits up to $1 million, while Select provides higher limits and added flexibility for complex or multiple plans. Plan sponsors can ask Newfront for the exact policy form and compare it with Zurich’s published tracks, then check the bond amount required for each plan. 5 8
Program access and placement
Newfront brokers the placement through its Executive Risk practice, offers 24/7 dashboard access to policies and certificates, and begins with a consultation request. Zurich describes plan-based tracks but does not name a digital application route in the cited claims. A business that values centralized access can ask Newfront how a bond appears in its dashboard; a plan with multiple or complex arrangements can ask Zurich whether Select fits and what additional documents are required. 5 8
What to Confirm in Fidelity Bonds Quotes
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.
Newfront
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 reviewsZurich U.S.
Review Score
No reviews found
The available Zurich review evidence is mixed and comes from distinct populations: a car-rental-business editorial rating, broad global and U.S. review-platform snapshots, and a BBB business-profile grade. These are not a representative measure of every Zurich commercial policy or claim.[1][4][5][6][7]
Read Zurich U.S. reviewsOffering Details
Newfront vs Zurich U.S.: Fidelity Bonds: documented features by provider
| Criteria | Newfront Fidelity Bond Insurance | Zurich ERISA Fidelity Bond |
|---|---|---|
| Role in This Line | Newfront brokers fidelity bond coverage as part of its Executive Risk practice, which it groups with crime coverage under one Key Coverages entry. It negotiates placement rather than underwriting the risk. 5Company-reported. Executive Risk offering page; fidelity and crime are listed together, not as separately described products. | Confirm in your quote. |
| Issuing Insurer | The reviewed Executive Risk page does not name the insurer or insurers that would issue a fidelity bond placed through Newfront. 5Not publicly disclosed. Executive Risk page as read on 2026-09-23; carrier depends on the specific placement. | Confirm in your quote. |
| Who It’s For | 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 fidelity-specific eligibility threshold. 5Company-reported. Here for the Long Run section; figures describe the executive-risk practice broadly, not fidelity bonds specifically. | Zurich offers Express ERISA bonds for a single non-union plan with straightforward needs (fraud/dishonesty limits up to $1 million) and Select for multiple or complex plans with higher limits and optional coverages. 8Company-reported. Zurich American Insurance Company (ZAIC) is named as underwriter.; ERISA fidelity bonds; United States. Available for approved states; quoted limit and specific coverages depend on qualification. |
| Coverage Features | Newfront lists "Fidelity and Crime" among the Key Coverages of its Executive Risk program. The page does not separately describe fidelity-specific insuring agreements such as employee-dishonesty bond limits or covered positions. 5Company-reported. Executive Risk page Key Coverages list; fidelity and crime are bundled in one line item. | Zurich says its ERISA fidelity bond covers direct loss of money, securities or property caused by employee fraud or dishonest acts, and may include designated agents/independent contractors in its employee definition. 8Company-reported. Zurich American Insurance Company (ZAIC) is named as underwriter.; ERISA fidelity bonds; United States. Subject to definitions in the issued bond. |
| Limits and Retentions | Newfront's Executive Risk page does not publish limits or retentions for fidelity bond coverage. 5Not publicly disclosed. Executive Risk page as read on 2026-09-23. | The Express option offers fraud/dishonesty limits up to $1 million; Zurich says Select provides higher limits and added coverage flexibility for complex or multiple plans. 8Company-reported. Zurich American Insurance Company (ZAIC) is named as underwriter.; ERISA fidelity bonds; United States. No numerical Select maximum appears in the opened page. |
| Risk Services | 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. 5Company-reported. Industry-Leading Technology section; described across Executive Risk lines, not fidelity-specific. | Confirm in your quote. |
| How to Apply | You start a fidelity bond placement by requesting a consultation through Newfront's Executive Risk page. 5Company-reported. Executive Risk page call-to-action; no online quoting or binding described. | Confirm in your quote. |
| Claims Support | Newfront says it provides "integrated claims and coverage negotiation" for its Executive Risk lines, which would apply to a fidelity bond claim. 5Company-reported. The Newfront Difference section; described across Executive Risk lines, not a fidelity-specific claims workflow. | Confirm in your quote. |
Full Comparison
More Newfront vs Zurich U.S. Comparisons
Other Fidelity Bonds Comparisons
Sources
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.
Zurich U.S.
- About Us | Zurich U.S. | Commercial Insurance. Zurich U.S.; About Zurich U.S.; customer and industry description; FAQ on U.S. product focus. Accessed 2026-09-28.
- Agents and Brokers | Zurich U.S. Zurich U.S.; Agent/broker route and locator. Accessed 2026-09-28.
- ERISA Fidelity Bond | Zurich U.S. Insurance. Zurich U.S.; ERISA Fidelity Bond options, limits, eligibility, insurer, underwriting conditions. Accessed 2026-09-28.
Fidelity Bonds Guide
- Glossary of Insurance Terms. National Association of Insurance Commissioners; Fidelity; Surety Bond. Accessed 2026-09-16.
- Field Assistance Bulletin No. 2008-04: Guidance Regarding ERISA Fidelity Bonding Requirements. U.S. Department of Labor, Employee Benefits Security Administration; Q1–Q3 pp.2–3; Q2 pp.2–3. Accessed 2026-09-16.
- Crime Terms and Conditions. Travelers Casualty and Surety Company of America; I.A.1–3 p.1; III.S pp.8–9; V.B.1–2 pp.18–20; CRI consideration p.1; III.P p.8; V.A.3 pp.16–17; V.A.4 p.17; V.B.3 p.20; IV.L p.15. Accessed 2026-09-16.
