Baldwin vs Techinsurance: Fidelity Bonds

The Baldwin Group lists commercial fidelity options for professional-services clients. TechInsurance arranges fidelity bonds online and describes covered dishonesty and fraud.

Van Ness Partners presents a practical comparison of source materials relevant to financial crime exposures.Research updated 2026-09-30

What Are the Key Differences Between The Baldwin Group and TechInsurance Fidelity Bonds?

Bond type and covered losses

TechInsurance describes first-party bonds for a business’s own losses and third-party bonds protecting clients, and lists employee dishonesty, janitorial, business-service and ERISA forms. Baldwin lists crime/fidelity bonds for professional-services firms but does not identify bond variants. Ask Baldwin which form fits your contract or client requirement and compare the employee definition with TechInsurance’s options. [2] [3]

Application and underwriting factors

TechInsurance offers a short online quote application and says bond amount, industry, number of employees with sensitive-data access and credit can affect cost. Baldwin describes tailored brokerage advice without publishing application or cost factors. Buyers can use TechInsurance’s route to begin a quote; ask Baldwin what records its surety markets need and who will issue the bond. [2] [3]

What Should You Confirm in The Baldwin Group and TechInsurance Fidelity Bonds Quotes?

  • Does TechInsurance quote the required first- or third-party form and identify its surety? What underwriting records and cost drivers would Baldwin’s market require?

Crime coverage

The Baldwin Group

  • role: The source describes The Baldwin Group’s brokerage or advisory role for Commercial Fidelity Bond. It does not identify Baldwin as the risk-bearing insurer for a particular placement. The cited company page describes its brokerage/advisory role and does not name the issuer for a buyer-specific placement.company-reportedSource ↗
  • eligibility: Baldwin lists professional-services firms among the commercial sectors for which it can arrange crime/fidelity-bond options. The page does not establish a bond applicant’s eligibility or identify a surety. This is the audience or client context named on Baldwin’s page, not an underwriting decision or guarantee of product availability.company-reportedSource ↗
  • coverage: Baldwin lists a commercial crime/fidelity bond as an option for professional-services clients. It does not describe a specific bond form, protected obligee, covered employee conduct or bond amount. The statement reports Baldwin’s marketed coverage or advisory description only. No individual quote, binder, policy form, schedule or endorsement was reviewed; policy entitlement and terms remain unknown.company-reportedSource ↗
  • services: Baldwin describes market navigation and tailored risk and insurance advice for accountants, architects, engineers, financial advisers, lawyers, consultants and surveyors. These are company-described brokerage and risk-advisory services; account-specific service commitments and third-party terms are not established.company-reportedSource ↗
  • limits: The reviewed source does not state a buyer-specific limit, retention, deductible or coverage schedule. Confirm the quote and issued policy or bond. No buyer quote, binder, policy or bond form was available in the reviewed public sources.not-disclosedSource ↗

TechInsurance

  • role: TechInsurance arranges fidelity bonds, describing them as a type of commercial crime insurance and a type of surety bond, distinct from a traditional insurance policy in that the bonding company can seek repayment from the employee responsible for a dishonest act. Fidelity bonds product page.company-reportedSource ↗
  • insurer: The reviewed page does not name a specific surety or insurer for a standard fidelity bond, though it says an ERISA fidelity bond specifically must be purchased from a surety company authorized by the U.S. Department of the Treasury. Fidelity bonds product page as read on 2026-09-23.company-reportedSource ↗
  • coverage: TechInsurance says fidelity bonds cover employee fraud, theft, forgery and embezzlement against the business or its clients, and distinguishes first-party bonds (protecting the business itself) from third-party bonds (protecting clients), plus employee dishonesty, business service, janitorial and ERISA bond variants. Fidelity bonds product page; general policy description, not a specific bond form.company-reportedSource ↗
  • eligibility: TechInsurance targets fidelity bonds at businesses whose employees handle sensitive financial information or access client property unsupervised, naming web hosting, project management, cleaning, healthcare and security-guard companies as example segments. Fidelity bonds product page, Who should get fidelity bonds? section.company-reportedSource ↗
  • limits: TechInsurance says fidelity bond costs vary widely and are typically calculated based on the total bond amount, with underwriting factors including bond type and size, industry risk, number of employees with sensitive-data access, and credit score; it does not publish a median premium for this line as it does for some other policies. Fidelity bonds product page, How much do fidelity bonds cost? section.company-reportedSource ↗
  • application: You request fidelity bond quotes online through a short application; TechInsurance says its licensed agents can help add fidelity bonds to a broader coverage package. Fidelity bonds product page.company-reportedSource ↗

TechInsurance names employee fraud, theft, forgery and embezzlement, plus several bond variants and an online quote route; The Baldwin Group identifies a commercial bond option but not its covered acts or obligee.

Sources consulted

  1. 01
    Glossary of Insurance Terms

    National Association of Insurance Commissioners · Fidelity; Surety Bond · accessed 2026-09-16

  2. 02
    Fidelity Bonds – Quotes Online

    TechInsurance · What do fidelity bonds cover? (fraud, theft, forgery, embezzlement, employee benefits theft/ERISA); What is the difference between first-party and third-party fidelity bonds?; What are the different kinds of fidelity bonds?; How much do fidelity bonds cost?; What is the difference between commercial crime insurance and a fidelity bond? · accessed 2026-09-23

  3. 03
    Professional Liability Insurance & Services

    The Baldwin Group · Professional-services customer population lines 35–64; coverage snapshot lines 68–84 lists property, general/professional liability, cyber, workers’ compensation, D&O, fiduciary, crime/fidelity bond, EPL, and IP liability; Employee benefits lines 93–95; accessed 2026-09-29. · accessed 2026-09-30

  4. 04
    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

  5. 05
    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

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