What Are the Key Differences Between Cowbell and Newfront Crime Insurance?
Newfront describes Executive Risk work with private companies from seed through later rounds and more than 500 public companies. Its page groups crime with fidelity, so request crime-specific terms; Cowbell gives a clearer size target but requires a wholesale contact. [4] [3]
Named Module Versus Executive-Risk Placement
Cowbell’s crime offering is a named Select Plus module: Cowbell operates the platform and Zurich underwrites the module. Newfront brokers Fidelity and Crime as one Key Coverages entry in Executive Risk and negotiates placement rather than underwriting. [3] [8] [4]
Coverage Language
Cowbell describes crime as protecting against theft, fraud and embezzlement by employees or third parties. Newfront lists Fidelity and Crime among Executive Risk coverages and does not separately describe crime-specific insuring agreements such as employee theft, computer fraud or funds-transfer fraud. [3] [4]
Until Newfront puts those agreements on a quote, you are comparing Cowbell’s published definition with a bundled line item. [3] [4]
How You Start
Appointed Zurich E&S wholesalers access Cowbell’s module through the platform API; it is not sold directly to businesses. You start a Newfront crime placement by requesting a consultation through the Executive Risk page. [3] [4]
What Should You Confirm in Cowbell and Newfront Crime Insurance Quotes?
- Confirm Cowbell wholesaler appointment and whether you sit under 250 employees and $50 million in assets. [3]
- Ask Newfront which carrier issues Fidelity and Crime and which insuring agreements are on the form. [4]
- Ask whether Newfront’s dashboard access and integrated claims negotiation apply to the crime placement. [4]
- Ask whether Newfront’s Executive Risk work from seed through public companies is the book placing your crime coverage. [4]