Could you possibly have the 2nd cover redone with the top people in the same/similar pose, but visibly clothed?
That would seem to solve the issue of "does it look romance-y enough, but not too romance-y in a way that sets up the Gentle Reader to anticipate far more sexyfuntimes than are actually described inside?"
Also, a minor addition to the blurb (not necessarily a rewrite) mentioning the guy character who'll apparently be helping the heroine with her problem (or who just gets haplessly caught up in it all, North by Northwest-style, depending on what the story's actually like), would probably help with making clear that there are strong romantic elements in the plot alongside the suspense.
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